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Do you have credit cards or personal loans with other banks? Let Citi simplify banking for you.

Simplify your finances and gain more control by consolidating up to 5 credit cards and/or loan accounts with Citibank Personal Loans.

Better cash flow management from one account
Better cash flow management from one account
Competitive interest rates for immediate savings
Competitive interest rates for immediate savings
Up to 60 months loan tenure
Up to 60 months loan tenure
Easy application process with minimal documentation
Easy application process with minimal documentation

Cash Out Option

Take an additional cash loan if you need a little more help.

Loan Calculator

Step 01
Tell us your current outstanding balances and monthly repayments
on your credit card(s) and/or personal loan(s).
You may add up to 5 accounts.

Step 02
Select the tenure of your loan.
Your Debt Consolidation Plan

Current total monthly payment


All calculations are for illustrative purposes only and will differ on a case-to-case basis.

principal loan amount

Minimum of RM5,000.

New customers are entitled to a loan amount of up to RM120,000.

Existing customers are entitled to a loan amount of up to RM150,000.

(Please refer to the footnote below for definitions of new and existing customers)
Loan repayment tenure options

24, 36, 48 or 60 months.

Debt consolidation prescribed rates

Prescribed rates will be at an effective interest rate range of 11.90% - 12.90% per annum.

For your ease of comparison, the equivalent flat interest rate is approximately 6.4% - 7.2% per annum.

loan multiplier
  • Loan of up to 10X your gross monthly income.
(Tenure: 60 months)
Monthly Repayments
Effective interest rate of
11.90% per annum
Total Repayment
Final loan approval, amount and rate are subject to Citibank's credit assessment and review.
1. Existing customers are individuals who are holding an existing active credit card and/or existing active Ready Credit with Citibank for more than 24 months.
2. New customers are individuals who do not fall in the above category of existing customers.
1-time Stamp Duty
(Ad Valorem) #
0.5% of approved loan amount.
Early Settlement Fee # RM200 or 3% of outstanding balance, whichever higher, if loan is settled within first 2 years or before reaching half the tenure, whichever earlier.
Late Payment Charge
(in addition to prescribed rate) #
1% p.a. charged daily on past due amount.
Note: Effective 1 June 2018, the standard-rated Goods and Services Tax (GST) will be revised from 6% to 0%. Except for items marked with # (exempt supplies), the fees and charges below are inclusive of 0% GST.
You are eligible to apply if you meet the following criteria.
  • Minimum age of 21 up to a maximum of 60 years old at the time of the loan maturity.
  • Minimum annual income requirement is RM48,000.
  • Malaysian citizen or P.R. working in Malaysia.
  • Holding any bank's credit card / home loan / personal loan / car loan / overdraft for more than 24 months.
Minimum Annual Income RM48,000 p.a.
Documents Required Photocopy of MyKad (both sides)
Latest EPF Statement
Latest 2 months' Salary Slip
Any of the following documents where applicable:
  • Latest BE Form with Tax Receipt
  • 3 months' Bank Statements
  • Latest EA Form (date within the last 12 months)
Minimum Annual Income RM48,000 p.a.
Documents Required Photocopy of MyKad (both sides)
Photocopy of Business Registration
Latest Form B with Tax Receipt
6 months' Bank Statements
Additional documents for Citibank Debt Consolidation:
Latest redemption statement or latest closure quotation of
personal loan and/or latest credit card statement
Citibank Debt Consolidation is a fixed rate unsecured personal term loan to refinance your existing unsecured debts such as personal loans and credit cards at other financial institutions.
Latest redemption statement or latest closure quotation of personal loan and/or the latest credit card statement from the other financial institutions that you wish to consolidate with Citi.
Partial settlement of the respective facilities that you intend to consolidate are not accepted, hence your application will be rejected.
In the event there is an excess payment to your facilities with the other financial institution resulting from your approved Citibank Debt Consolidation application, you are solely responsible to request for a refund from the respective financial institution.
Under the Citibank Debt Consolidation program, only the funds from the cash option (if you have opted for it) will be disbursed to your current or savings account nominated by you in the application form. The remaining balance of the approved amount which are to be used for consolidating your facilities granted by other financial institutions will be disbursed directly to those respective facilities via GIRO transfer, as per account details provided in the redemption statement/latest closure quotation of personal loan/latest credit card statement provided by you.
Click here for Citibank Instalment Loans Terms and Conditions.
Click here for Citibank Personal Loans Product Disclosure Sheet.