Citibank Ready Credit Personal Loan

Citibank Ready Credit combines revolving credit line flexibility with term loan discipline, offering up to HK$2,000,000 at promotional APRs from 4.5% for new customers. The standout feature is its instalment conversion: any revolving balance can be converted to a fixed monthly instalment plan at 0% handling fee. New customers receive a cash reward of up to HK$9,000 on approval, and existing card holders get pre-approved limits with same-day disbursement. The maximum tenor is 60 months.