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Repayment
options
Easy ways to make your monthly
credit card or lending account
repayments on time.
Repaying your card balance
Part of keeping your account in good condition is ensuring your repayments are made on time, each month.
Your Minimum Payment Due Date can be found on your statement, along with your Minimum Payment Due and any
overdue and overlimit amounts.
You can set up email, SMS or push notifications to alert you of an upcoming Payment due. Find out more here.
Easi-Pay is a service you can use to set up automatic payments of your Minimum Payment Due, by the Payment Due Date each month.
Set-up your Easi-Pay service by completing one of the steps below. Your request will be processed within 10 business days. Your next statement will be paid via Easi-Pay and you'll see 'Easi-Pay' appear on your statement.
1. Citi Online
- Sign on to Citi Online and select ‘Payments & Transfer’
- Select ‘Manage Scheduled Transfer’ from the left menu then ‘Add/ Manage Direct Debit’
- Click ‘Add new Easi-Pay and follow the prompts.
2. Easi-Pay Request Form
- Download and complete the Easi-Pay request form
- Scan or take a photo of your completed form
- Upload your form to citibank.com.au/upload
Important: it can take up to 3 business days for your Easi-Pay payment to be cleared from the bank account you have nominated to be debited.
To pay your credit card or lending account online or over the phone from a non-Citi account, use your account number as
your customer reference number and use the relevant BPAY Biller Code for your product.
Biller Codes
Credit Card:
49502
Ready Credit and Citi Personal Loan Plus
49528
Ready Credit (previously known as Personal Credit)
49726
Important: it can take up to 3 business days to process your BPAY® payment.
Use your statement at Australia Post to pay your credit card or lending account.
Cash deposit limit is $9,000 per day. This includes physical cash or use of a debit or credit card.
A $2.50 over-the-counter transaction fee applies.
Repaying instalment plans
Learn how you can make repayments to your instalment plan and key things to keep in mind.
Your instalment plan details will appear on your statement.
- Amount due: Monthly instalments will be included in your minimum payment due for your card.
- Instalment plan details: The details will appear on your monthly statement within the Fixed Payment Option (FPO) Summary section, under your transactions list. Information will include Commencement date, Plan Number, Instalment number, Annual percentage rate, Original amount, Monthly Instalment, Principal Component and Outstanding Balance.
How you will be charged
When you set up your instalment plan, you will be charged either an initial interest charge or a set up fee. This amount will be included in the minimum payment due on your next statement for the cycle in which you set up your instalment.
Each statement after that will show the instalment amount due for each month of the term.
Credit card statement guide > How to access your statements >
Paying your monthly instalment
To pay your monthly instalment (Fixed Payment Option or ‘FPO’), you just need to pay off the Minimum Payment Due for your account each month, as the monthly instalment repayment is included in this amount.
Making a payment that exceeds the minimum payment due
If you make a payment which exceeds the minimum payment due plus any overdue amount, the excess amount will be applied to pay the balance of your account, excluding the outstanding balance of your instalment plan (Fixed Payment Option). If the instalment is your only outstanding balance, then any additional payment will be allocated to it.
Order of payments
When you pay down your account, the money you pay will generally first be used to pay off any initial interest charges, monthly instalment, FPO fee and related interest. This means that the monthly instalment is paid before your other balance types even if they have a higher rate of interest (e.g. balance transfers, retail purchases or cash advances).
Making extra repayments
You can make additional payments towards your Citi Instalment Plan or pay off your instalment plan early, without early repayment fees. To do this, send us a secure message via Citi Online and then allow up to two working days for a confirmation. Once you have received confirmation, you can then make the additional repayment.
- Sign on to Citi Online
- Click ‘Services’ menu
- Select ‘My profile’
- Select ‘My messages’
- Send a message with your request includng your Instalment Plan number for which you would like the additional repayment applied to and extra amount you would like to pay.
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