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A Citi user enjoying flexible payments plan while shopping online


Get ahead by converting transactions at selected merchants into instalment payment plans, while still earning rewards.

Convert your transactions at selected merchants into an instalment plan.

Get What You Love Now

Stretch your dollar to pursue your desired lifestyle

Pay In Equal Instalments

Enjoy flexible payments at our selected merchants.

Earn Rewards

Be rewarded as you spend.

How to convert your transactions into an Instalment Payment Plan*

Perform transactions at selected merchants using your Citi Credit Card.
If eligible, you will receive an SMS sent to your mobile number registered with Citi.
Click on the offer link within the SMS. Please note that the offer has a limited validity period as indicated within the message.
On the offer page, select the repayment plan. Click on "View repayment schedule" to view the monthly payable amount.
Review the terms and conditions and click on ''Confirm and convert now" to proceed.


*The Instalment Payment Plan ("IPP") is solely offered and sponsored by Citi. Where Citi invites you to participate in the IPP in respect of a transaction at any particular merchant, such merchant has no agreement or affiliation with, and has not authorized or endorsed, Citi in relation to IPP. All queries relating to IPP should be directed to Citi.

*The instalments from the Instalment Payment Plan are billed to the Citibank credit card account monthly similar to a normal retail purchase and are subject to usual fees, interests and charges if you pay/ had paid less than the current balance indicated on your current or previous monthly statements of account on or before the payment due date.

*The Instalment Payment Plan ("IPP") is applicable for certain merchants on an invitation only basis (eligible customer will receive an SMS from the bank offering to convert the transaction into instalment plan). Citi is not obliged to offer the IPP to any cardmember and may offer it on any channel or such period as it deems fit.

*T&Cs apply

A happy Citi user enjoying with her friends, after converting her credit card purchases into instalments.

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Turn your credit card purchases into instalments with Citi PayLite

Enjoy Citi PayLite today for better financial flexibility

Learn More

  • Click here to view the Instalment Payment Plan Terms and Conditions

Important Note:

The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.