Spend Big,
Pay in Parts
Citi instalment plans on Citi credit cards.
With a Citi instalment plan, you can turn your big expenses into monthly repayments at a fixed interest rate over a set term. Start a project or enjoy a new purchase today, but pay tomorrow.
Why choose a Citi instalment plan?
Predictability
Budget better with fixed monthly repayments on the amount you convert.
Flexibility
No early repayment fees. Pay the instalment plan back as quickly as you like, with no penalty.
Citi Quick Cash
Log into the Citi Mobile® App, swipe right and hit ‘Get started’ on the Citi Quick Cash feature
Choose how much cash you’d like to access and select your repayment period, if applicable
Agree to the important information and enter the details of your chosen account
Review, hit ‘Get cash now’ and you’re done
Download the Citi Mobile® App to get started
Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas.
Citi FlexiBill
Log into the Citi Mobile® App and navigate to your current balance
Hit ‘Convert to Instalments’, choose how much you’d like to convert and select your repayment period
Review the repayment schedule and agree to the important information
Review, hit ‘Confirm and convert now’ and “Done”
Download the Citi Mobile® App to get started
Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas.
Citi PayLite
Log into the Citi Mobile® App and navigate to your current balance
Select an eligible purchase and hit ‘Convert to Instalments’
Choose the repayment period and the accompanying monthly repayment amount that suits you
Review the repayment schedule, agree to the important information and you’re done
Download the Citi Mobile® App to get started
Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas.
Not Citi cardholder yet?
Become a Citi cardholder to take advantage of the benefits of a Citi instalment plan.
Frequently asked questions
Frequently asked questions
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Is the Citi instalment plan part of my existing credit limit?
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What are the minimum and maximum amounts I can request for Citi instalment plans?
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Can I have more than one Citi instalment plan?
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How do I make an instalment plan repayment?
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How does the instalment plan repayment appear on my statement?
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When will I be charged my first monthly instalment?
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Am I still eligible for an interest free period on purchases not in an instalment plan?
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What happens if I fail to make an initial interest charge and monthly repayment by the due date?
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Can I pay more than the instalment plan repayment?
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Can I change the term of my Citi instalment plan?
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Can I pay off my Citi instalment plan anytime?
Things you should know
Citi instalment plan is defined in the Credit Card Terms and Conditions and Other Important Information as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example - your account is not in default, suspended or closed). Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate (APR) applicable to your account.
A fee may apply to set up a Fixed Payment Option.
During the cycle in which a Fixed Payment Option is set up, you will be charged an initial interest charge which will be included in the Minimum Payment Due on your next statement (not applicable if the FPO APR is 0%). Subsequent statements will include an instalment for each month of the term.
While you have a Fixed Payment Option, payments will be applied to your initial interest charge or monthly instalment before all other balances, even if they attract a higher rate of interest.
If you fail to pay the minimum payment due or any other amount by its payment due date, we charge interest on any unpaid instalment, FPO fee or initial interest charge component (and any interest calculated on any of them, and any interest on that interest) from the day after the payment due date. It will be calculated using the daily retail rate and the daily calculation method until they are repaid in full. We may also cancel the Instalment Plan(s).
We will tell you if an instalment plan amount is overdue before we cancel the Instalment Plan(s). If your Instalment Plan is cancelled, the full outstanding balance of your instalment plan will revert to retail purchase interest rate (for Citi FlexiBill and Citi PayLite) and the cash advance rate (for Citi Quick Cash).
For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to distribute and assist to administer the products.
"Citi", "Citibank", "Citigroup", the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.