Above offer is subject to relevant terms and conditions.
To borrow or not to borrow? Borrow only if you can repay!

Remarks:

1. The Annualized Percentage Rate ("APR") is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
2. The APR 1.65% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 0.5% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
3. Customers apply for and successfully draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan ("the Loan") from China CITIC Bank International Limited (the "Bank") through eChannels (including inMotion Mobile App, Corporate Website, iBanking or specified link on promotional page) during the designated promotional period and satisfy the specified repayment tenor and loan amount shall be entitled to the following offers:
   1. Up to HK$16,800 Cash Rebate:
      From now until December 31, 2024, customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a repayment tenor of 24 months or above shall be entitled to the following Cash Rebate:

      Loan Amount (HK$)*	Cash Rebate (HK$)
      	Repayment tenor of 24 - 48 months	Repayment tenor of 60 - 72 months
      $50,000 - $199,999	$300	$800
      $200,000 - $499,999	$500	$1,500
      $500,000 - $999,999	$800	$2,000
      $1,000,000 - $1,499,999	$2,000	$5,000
      $1,500,000 or above	$4,000	$16,800

      Remarks: *If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.
   2. Early Bird Offer:
      From now until November 30, 2024, customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a specified repayment tenor shall be entitled to select ONE of the following Extra Early Bird Offers. An Early Bird Offer cannot be exchangeable once it is selected.
      1. Repayment Holiday for the first 3 installments (Not applicable to Debt Consolidation):
         Customers who successfully draw down the Loan with repayment tenor of 36 months or above shall enjoy to repayment holiday for the first 3 instalments; or
      2. Cash Rebate of up to an extra HK$2,000
         Customers who successfully draw down the Loan with a repayment tenor of 24 months or above shall enjoy the following Cash Rebate.

         Loan Amount (HK$)*	Extra Cash Rebate (HK$)
         	Repayment tenor of 24 months or above
         $50,000 - $199,999	$300
         $200,000 - $999,999	$500
         $1,000,000 or above	$2,000

         Remarks: * If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.
         For details, please refer to promotional Terms and Conditions.
4. Preliminary approval service only applies to Monday to Friday from 9:00 am to 11:45 pm, Saturday from 9:00 am to 9:45 pm, Sunday and public holidays from 12:00 noon to 8:45 pm. For loan applications that meet relevant approval requirements, applicants will be informed on the preliminary approval result as soon as 1 minute. The processing of loan application starts when all the required information is successfully input into the Bank's system, while the actual processing time required may vary for each individual case. Please note that the preliminary approval result is for reference only, and the Bank reserves the right to decide (in its sole and absolute discretion) whether to decline or approve any application for a Loan.
5. Same-day fund disbursement service only applies to our Bank's service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank. For fund disbursement for non-CNCBI bank account, settlement will depend on the handling of receiving financial institution.
6. This example is calculated based on loan amount of HK$19,000, an annual interest rate of 30% ( Annualized Percentage Rate (“APR”) 34.49% ) charged by general credit card and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the credit card outstanding balance or HK$250 (whichever is higher) over a 150-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3 installments and is rounded to the nearest dollar.
7. This example is calculated based on loan amount of HK$20,000, monthly flat rate 0.20% and loan tenor of 60 months, including a handling fee of 1% per annum (APR 6.89%). The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
8. The APR of this promotion ranges from 1.65% to 35.99%.

Key Facts Statement for $mart Plus Personal Installment Loan

Terms and Conditions for $mart Plus Personal Installment Loan and General Terms and Conditions

$mart Plus Personal Installment Loan (Tax Season Offer) - Promotional Terms and Conditions for up to HK$16,800 Cash Rebate and Early Bird Offer

FAQs for $mart Plus Personal Installment Loan