Personal Line of Credit

China CITIC Bank International Personal Line of Credit provides you with a standby credit line, accommodating with your need of flexible finance management and convenient cash withdrawal. With this standby credit line, it would be easier to have your dreams come true and to grasp every wealth building opportunity !

Preferential interest rate only on outstanding amount

Preferential annual interest rate will be charged only on the outstanding amount on daily basis with no interest imposed for the unused line.

* P refers to the Hong Kong Dollar Prime Lending Rate as quoted by China CITIC Bank International limited from time to time.
# "Preferential customers" include professionals, designated customers with a monthly income of HK$30,000 or above, etc. For details, please refer to "Promotional Terms and Conditions for Personal Line of Credit".

Remark: The interest rate that a customer is entitled to is subject to the Bank’s evaluation of the customer's financial status and credit check results. The Bank reserves the right of final approval of the credit limit and its respective interest rate upon receipt of all relevant documents from the customer. In the event of any disputes, the decision of the Bank shall be final.

First-year annual fee waiver

Standby revolving credit

Credit limit as high as HK$600,000 or 5 times of your monthly salary (whichever is lower) ; credit limit will be restored automatically after each repayment.

Cash withdrawal at your convenience without any extra charges

Simply withdraw cash through JETCO ATMs or by cheque, or transfer cash through i-banking or phone banking anytime anywhere.

Flexible repayment

Minimum monthly repayment of only 3% of the outstanding balance (minimum HK$50).

Enquiry Hotline: 2287 6767 (press 3-5-1)
Business Hours: Mondays to Fridays (9a.m. to 8p.m.) Saturdays (9a.m. to 6p.m.)

Promotional Terms and Conditions for Personal Line of Credit

Terms and Conditions for Personal Line of Credit and General Terms and Conditions