Citi PayLite is a feature exclusively for Citi credit cardholders to convert their unbilled retail transactions into instalment payments.
A fee may be applicable.

- Existing Citi cardholders

Existing Citi cardholders may apply for Citi PayLite by logging on to Citi Mobile^® App, Citibank Online or via Push Notification.

- New to Citi customers

If you wish to apply for Citi PayLite, you will need to apply for a Citi Credit Card first before contacting us to book a Citi PayLite. To find out more about the type of credit cards you can apply, click here.

Citi PayLite can be taken with just a minimum amount of S$50 over the tenure of up to 36 months or such other amount and/or period that Citi may decide.

No. There is no restriction to any particular Citi personal credit card or merchant list for you to apply for the Citi PayLite Program.

If you have applied on the Citi Mobile^® App or via Citibank Online, you will be able to know instantly whether your application is approved or not at the end of the session. Please note that approval of the Program is subject to our discretion.

If you have applied via Push Notification, we will send a success SMS/Push Notification to inform you that your application has been approved.

Alternatively, you may look out for a confirmation letter sent to your registered mailing/ email address or refer to your next Citi credit card statement of account to know if the Program has been approved or not. If you are enrolled for electronic advices, you may look out for the confirmation letter by logging in via Citibank Online using your login ID and password to download the confirmation letter under e-Advices.

Where you have applied for Citi PayLite online, the repayment schedule will be shown to you during the application process. Once your application is approved, we will also send a confirmation letter to your registered mailing/email address in our records which will set out the repayment schedule as well as details of your loan under the Citi PayLite program. If you are enrolled for electronic advices, you may log in via Citibank Online using your login ID and password to download the confirmation letter under e-Advices.

Your Citi credit card monthly statement of account will also display the monthly instalment amount payable.

The instalments from this Program are billed to the Citi Credit Card (CC)/Citibank Ready Credit (RC) account monthly similar to a normal retail purchase.

If you pay or had paid less than the total amount due indicated on your CC current or previous monthly statements of account on or before the payment due date OR did not pay the full minimum payment amount within 30 days from the relevant payment due date indicated on the RC account, the instalments will be subject to the usual finance charges (fees or APR interest).

Please note that this Program will take more than the scheduled term to pay off in full if only minimum amount due is paid on your CC and less than minimum amount is paid on your RC account.