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Pay in instalments

If you are eligible for an instalment plan offer, you can see the offer when you log in to the Citi Mobile^® App or go to 'My offers' when you log in to Citi Online.

You can also get in touch with us on 1800 114 391 to see if there is an instalment plan offer available for you.

If you're eligible for an instalment plan offer, you can apply in a few easy steps via the Citi Mobile^® App.

You can also log in to Citi Online and go to 'My offers' to see if there is an instalment plan offer available for you. Or simply call us on 1800 114 391 to apply.

To make a change to your instalment plan, call us on 13 24 84 (or, if you’re overseas, +61 2 8225 0615). We’re here to help.

Yes, you can have more than one Cash Instalment Plan (Quick Cash) and Transaction Instalment Plan (PayLite) on your card as long as the total amount of all the plans do not exceed your credit limit. For Statement Instalment Plan (FlexiBill), you can only set up one plan per statement period.

Yes, the instalment plan uses part of your existing credit limit. Every time you make a repayment, the amount paid becomes available again as part of your credit limit, which is subject to the interest rate you pay on your credit card balance at the time.

• For both Cash Instalment Plan (Quick Cash) and Statement Instalment Plan (FlexiBill), the minimum is $500.
• For Transaction Instalment Plan (PayLite), the minimum is $50.
• For Cash Instalment Plan (Quick Cash) the maximum amount is 90% of your available credit.

Your instalment plan repayment appears on your monthly statement and is included in your minimum payment due. You pay it in the same way you pay your monthly statement.

View this guide to learn how to read your monthly statement and where to track your instalment plan repayments.

The instalment plan will appear as a 'Fixed Payment Option' on your statement which will include a summary of your progress.

During the cycle in which the instalment plan is set up, you will be charged an initial interest charge which will be included in the minimum payment due on your next statement. Each statement after that will show an instalment due for each month of the term.

A fee may apply to set up an instalment plan. It will form part of the minimum payment due and will be shown on your statement for the cycle in which you set up your instalment.

View this guide to learn how to read your monthly statement and where to track your instalment plan repayments.

During the cycle in which the instalment plan 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 your instalment plan annual percentage rate (APR) is 0%. Subsequent statements will include an instalment for each month of the term.

You can find information about your instalments and payment due dates on your account statement via Citi Online or the Citi Mobile^® App.

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).

Yes, you may. If you’d like to make an additional repayment on your instalment plan, please contact us beforehand, by sending a secure message (details below) - allowing up to 2 business days for us to process your request. Once you receive a confirmation from us, you can make an additional repayment to your instalment plan.

To send a secure message, please sign in to your Citi online account, then click on Services > My Profile > My Messages. In your message, please include the amount you’d like to pay, as well as details of the relevant instalment plan. Alternatively, call us on 13 24 84 (or, if you’re overseas, +61 2 8225 0615).

The only exception to this is if the instalment plan is your only outstanding balance. In this case, then your additional repayment will be allocated to it automatically and there is no need to contact us.

Yes, you can pay off your instalment plan anytime, without early repayment fees. To arrange this, you can send a secure message. Please sign into your Citi Online account, then click on Services > My Profile > My Messages. In your message, please include the amount you’d like to pay, as well as details of the relevant Citi Instalment Plan. Alternatively, call us on 13 24 84 (or, if you’re overseas, +61 2 8225 0615).

You may still be eligible for interest free days if you pay the closing balance on your statement by the payment due date each month (excluding any instalment plan balance which isn’t due for payment by that payment due date).

Please note that interest free days is not available on cash advances or balance transfers.

Yes, you may be able to change it to a shorter or longer term. To make a change, please contact us or call us on 13 24 84.

You can cancel your instalment plan at any time with no cancellation fees by calling us on 13 24 84.

When a cancellation is processed, the full outstanding balance of your instalment plan will revert to the standard Annual Percentage Rate for:

1. Retail Purchases for Statement Instalment Plan (FlexiBill) and Transaction Instalment Plan (PayLite).

2. Cash Advances for Cash Instalment Plan (Quick Cash).

You can learn more about this in the Credit Card Terms and Conditions and Other Important Information.