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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)
Have you already used your personal loan amount but still need extra cash to fulfill your need? If yes, then Citibank is here to help you. You can opt for a Citibank top up loan and get the extra cash that you want. To get the extra amount, you will not have to submit your documents again. You will even be able to select a repayment term post getting the top-up loan. This way, you won’t have to face any challenge while repaying the increased loan amount, as you will be offered a flexible repayment period of 6 to 60 months. So, if you need an extra amount besides the personal loan amount, contact us to get the process started.
Top reasons for getting a Top-up Loan
- Option to increase original loan amount
The requirement for cash, even after getting credited with your personal loan amount, can arise due to various reasons. During such a situation, you can rely on Citibank to increase your original loan amount. All you need to do is place a request for a top-up loan and get it credited easily. - No documents are requireda
When you apply for a fresh loan, you are required to submit various documents. The documents are reviewed by the bank and accordingly, your loan application gets accepted and processed. However, if you want a top-up loan to increase your loan amount, you will not have to submit any documents. - New flexible repayment period of 6 to 60 months
With a Citi top-up loan, you will be provided with a flexible repayment period. The repayment period can last between 6 to 60 months. As a result, even after you increase your original loan amount with a top-up loan amount, you won’t have to face any difficulty in repaying it. - HK$0 handling fee
Banks charge a handling fee whenever a new loan is approved and credited to your account. The fee is charged as a part of the services offered by the bank. However, when you apply for a top-up loan, Citi will process and approve your request without charging any extra handling fee.
- Option to increase original loan amount
The requirement for cash, even after getting credited with your personal loan amount, can arise due to various reasons. During such a situation, you can rely on Citibank to increase your original loan amount. All you need to do is place a request for a top-up loan and get it credited easily. - No documents are requireda
When you apply for a fresh loan, you are required to submit various documents. The documents are reviewed by the bank and accordingly, your loan application gets accepted and processed. However, if you want a top-up loan to increase your loan amount, you will not have to submit any documents. - New flexible repayment period of 6 to 60 months
With a Citi top-up loan, you will be provided with a flexible repayment period. The repayment period can last between 6 to 60 months. As a result, even after you increase your original loan amount with a top-up loan amount, you won’t have to face any difficulty in repaying it. - HK$0 handling fee
Banks charge a handling fee whenever a new loan is approved and credited to your account. The fee is charged as a part of the services offered by the bank. However, when you apply for a top-up loan, Citi will process and approve your request without charging any extra handling fee.
LOYALTY BONUS OFFER
Top up your existing Citibank Personal Loan now with up to
HK$1,000 reward!
HK$1,000 reward!
Remarks: a.Citibank (Hong Kong) Limited ("Citibank") reserves the right to accept the relevant proof.
Terms and Conditions:Terms and Conditions:
Terms and Conditions of Top-up Offer (“Top-up Offer”)
- The Top-Up Offer promotion period is from Jan 7, 2026 to Apr 30, 2026, both dates inclusive (“Promotion Period”).
- Customers who successfully apply for Top-up Loan within the Promotion Period and draw down on or before May 14, 2026 with a specific loan amount
and repayment period 12 months or above (“Eligible Customers”) will be eligible for cash coupon or cash rebate (“Reward”). Only applicable to customers
who hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“The Bank”) at the time of application.
Loan Amount (HK$) Top-up Offer (HK$) HK$400,000 or above HK$1,000 HK$100,000 to HK$399,999 HK$500 - The Cash Rebate will be credited to your Citi Credit Card account (for Principal Cardholder only) on or before Jun 30, 2026 without further notice
when your credit card account is valid and in good standing during the Promotion Period. If Eligible Customers do not have any Citi Credit Card
account, the Cash Rebate will be credited to your Citibank account if you have selected Citibank account as the loan repayment account. If you
have more than one of the following Citi Credit Card, the Cash Rebate will be credited to the Citi Credit Card Principal Cardholder account
according to the following sequence maintained in the Bank record:
a. Citi Ultima Card
b. Citi Prestige Card
c. Citi PremierMiles Card
d. Citi Cash Back Card
e. Citi Rewards Card
f. Citi Rewards UnionPay Card
g. Citi Plus®Credit Card
h. Citi Octopus Card
i. Citi HKTVmall Card
j. Citi The Club Credit Card
k. Citi Clear Card
Otherwise, a cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ Hong Kong correspondence address according to The Bank’s record on or before Jun 30, 2026. - 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/premium reward/cash rebate 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.
- Citibank Personal Loan account of Eligible Customers 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 have made early settlement of /cancelled Citi Personal Loan accounts after the Rewards are awarded, The Bank reserves the right to charge:
- a) the full amount of the Reward (if applicable); AND
- b) 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.
- The Top-up Offer is not applicable for staff who employed under Citibank (Hong Kong) Limited (CHKL) and Citigroup.
- Top-up Loan is the product of Citi Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
- 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.