Topping-up your existing personal loan gives you fast and easy access to extra cash whenever you need it. (Click HERE for Personal Loan Key Fact Statement)
HK$1,500 in cash coupons!
Remarks: a.Citibank (Hong Kong) Limited ("Citibank") reserves the right to accept the relevant proof.
Terms and Conditions:Terms and Conditions:
Terms and Conditions of Top-up Offer
- The promotion period ("Promotion Period") of Top-up Offer is from October 1, 2019 to December 31, 2019, both dates inclusive.
- Customers who successfully apply for Top-up Loan offered by Citibank (Hong Kong) Limited (“The Bank”) via the specific link in the SMS sent out by the Bank or Top-up Loan Application Hotline within the Promotion Period and draw down on or before January 15, 2020 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Top-up Offer (“Top-up Offer”) as stated below.
Loan Amount (HK$) Top-up Offer (HK$) HK$200,000 or above HK$1,500 cash coupon
- A cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ correspondence address according to The Bank’s record on or before March 31, 2020.
- Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon reward without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank accepts no liability in respect of the quality of the products and services provided by the supplier involved in this promotion. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
- Each Eligible Customer can enjoy the Top-up Offer once during the Promotion Period.
- Eligible Customers’ Citi Personal Loan account must be valid and in good condition without any late payment or early repayment, otherwise The Bank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to The Bank full amount of the reward under this promotion.
- If Eligible Customers are found to have made early settlement of/ cancel Citi Personal Loan, the Bank reserves the right to debit:
- the full amount of the cash coupons reward (if applicable); AND
- the early repayment fee for his/ her Citi Personal Loan (which is based on a rate on the entire principal amount of the Personal Loan as set out in the drawdown letter).
- The Top-up Offer cannot be used in conjunction with any other promotional offers.
- Top-up Loan is the product of Citi Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
- APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
- The Bank reserves the right to amend these Terms and Conditions at any time without prior notice.
- In case of disputes, the decision of The Bank shall be final and conclusive.
- In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.