Get extra cash for as low as 4.85% p.a.
Capitalize on your existing deposits and investments to enjoy additional liquidity with Citibank Portfolio Power. The Citibank Portfolio Power provides you with more options to pledge from with your Citibank Portfolio*, so that you won't lose out on your savings or investments, to get the cash you need when the opportunities arise.
APPLY NOW
Benefits
| Accessibility |
- Easy access to immediate cash by pledging any of the following as collateral:
- Your Citibank Time Deposits (local or foreign currency)
- Your unit trust investments, Market Linked Investments and Retail Bonds with and acceptable to Citibank Berhad. Minimum income documents required
|
| Convenience |
- A credit facility that accepts multiple collateral types
|
| Flexibility |
- Increase your liquidity to supplement your personal working capital
- Meet unexpected cash needs without liquidating your existing portfolio
- Consolidate higher interest bearing debts and save on interest
|
| Affordability |
- Low interest rate for a limited time only
| Overdraft** |
Time Loan |
|
Citigold customer:
First year : BR+1.65% p.a.
Thereafter : BR+3.15% p.a.
|
Citigold customer:
BR+1.15% p.a.
|
|
Citibank Personal Banking customer:
First year : BR+1.90% p.a.
Thereafter : BR+3.15% p.a.
|
Citibank Personal Banking customer:
BR+1.65% p.a.
|
|
| Secure |
- Credit balance is eligible for protection by PIDM.
Click here for more details on PIDM protection.
|
How It Works
Eligible Collaterals
- Citibank Time Deposits (local or foreign currency)
- Unit trust investments
- Market Linked Investments
- Retail Bonds
|
 |
Enhanced Liquidity
- Immediate access to cash
- Personal working capital
- Enhanced personal spending
- Investment opportunities
|
Features
Structure your Portfolio Power as either an Overdraft or a Time Loan, or both, to suit your financial needs:
| Option1: Overdraft**
|
Option2: Time Loan
|
- Overdraft line starting at RM10,000
- Flexible repayment
- Cheque book
- Low interest charges, and charged only when funds are used
|
- High loan amount starting from RM50,000
- Low interest charges
- Flexible repayment tenure up to 12 months
|
Requirements
- Aged between 21 and 70 years old
- Income document requirements
| Salaried Employee:
|
Self Employed:
|
- Income Tax Returns - latest BE or EA form with supported tax payments
- Letter from employer or last 3 months' salary slips
- EPF statement
|
- Income Tax Returns - latest BE or EA form with supported tax payments
- Business registration, Form 24 & 49 and audited financial statements
- 6 months bank statements
- Director's fees supported by letter from Company
- Interest from any time deposits or fixed deposits, with supported certificates or bank statements
- Rental income receipts with supported rental agreement, title or S&P to show ownership of property
|
How To Apply
Apply for a Portfolio Power
* Citibank Portfolio refers to Citibank Time Deposits (local currency or foreign currency), unit trust investments, Market Linked Investments and Retail Bonds with and acceptable to Citibank Berhad.
** For an overdraft credit line of more than RM500,000, there is a 1% commitment fee for the unutilised amount.
Terms and conditions:
- Minimum credit line is RM10,000 for Overdraft and RM50,000 for Time Loan.
- The featured rate is available for a limited time only, and is not valid with any other promotion.
