CITI PAYLITE

Remarks:

• Application via the web will not be processed if no verification has been done by Citibank (Hong Kong) Limited. Customers will be contacted within 3 working days counting from the day of when the customer first submitted the online application form stipulated in this promotional webpage.
• Options of 3/6/12/18/24/30/36/42/48-month repayment periods are available for “PayLite” Installment Loan.
• The promotional period is from October 1, 2024 to December 31, 2024 (both dates inclusive) (“Promotional Period”). Eligible “FlexiBill” and “PayLite” Installment Loan refers to approved “PayLite” Installment Loans in relation to any individual transaction made by Citibank banking account/ATM/Debit Card and “FlexiBill” and “PayLite” Installment Loan in relation to the Credit Card current statement balance or a portion of the current statement balance or any individual transaction with approved loan amount of HK$5,000 or above and a minimum tenor of 24 months with an Eligible Card within the Promotional Period, and does not include Citi Credit Card “PayLite” Installment Plan for iPhone for Life.
• Selected Cardholders who apply successfully for an Eligible Loan (as defined in Clause 3) with an Eligible Card during the Promotional Period (“Participants”) and become the first 1,000 Participants who accumulate higher Eligible loan amount will be entitled to a designated amount of Wellcome Supermarket Shopping Voucher (“Shopping Voucher”). The higher accumulated Eligible loan amount, the higher Shopping Voucher amount will be entitled:
  
  

  Participant Ranking (According to accumulated Eligible loan amount. The higher accumulated Eligible loan amount, the higher ranking of Participants)	Shopping Voucher Amount (HK$)
  1st	10,000
  2nd	8,000
  3rd	5,000
  4th-10th	1,500
  11th-30th	800
  31st-100th	500
  101st-500th	150
  501st-1000th	50



• Selected Cardholders will be entitled to one lucky draw chance for every HK$5,000 Eligible loan booking approved (as defined in Clause 3) and successfully drawn down during the Promotion Period. Prizes are as below:
  
  

  	Quota	Wellcome Supermarket Shopping Voucher (“Shopping Voucher”) Amount (HK$)
  1st Prize	1	5,000
  2nd Prize	1	3,000
  3rd Prize	1	2,000
  4th Prize	7	800
  5th Prize	20	500
  6th Prize	70	200
  7th Prize	400	100
  8th Prize	500	50



• a) Application of the Program in relation to any individual transaction made by Citibank Credit Card must be made 3 business days after the transaction is made or posted to the Citi Credit Card account (the "Account"), whichever is later, and must be made 2 business days before the billing date of the transaction, or
  b) Application of the Program in relation to the current Statement Balance or a portion of the current Statement Balance of Citibank Credit Card must be made 2 business days before the Payment Due Date of the current Statement.
  c) Application of the Program in relation to any individual transaction made with Citibank banking account/ATM/Debit Card must be made within 3 days of the relevant transaction.
  The following credit card transactions are not valid for this Program: balance transfer, Merchant Installment Plan, “Quick Cash” Installment Program, auto-pay, cash advance, casino chips, traveler's checks, all fees and charges (e.g. annual fee, finance charges, late charge), and any transaction that has been subject to cancellation, charge-back, returned. The following Citibank banking account/ATM/Debit Card transactions are not valid for this Program: Purchasing insurance or investment products, gambling, loan and card payments, down payments for auto and home purchases, fund transfer to other accounts under your Citibank banking account.
• The quoted Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.18% is 4.04%. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. 
• The quoted APR in this page is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0362 to check for individualized Monthly Flat Rate.