Turn big purchases into small payments

Get what you love with ease

Turn big purchases into affordable instalments with low processing fees.

Shop whenever you like it

Get your desired purchases now by converting them into instalments.

Simple and hassle-free

Convert your purchases in a few taps on the Citi Mobile® App.

Convert each of your hotel bookings of S$400 or more into a Citi PayLite instalment loan and get a S$10 GrabFood voucher.

Convert at least S$5,000 of your retail purchases or statement balances into a Citi PayLite or Citi FlexiBill instalment loan to qualify for up to S$200 worth of GrabFood vouchers.

T&Cs apply. Not applicable for Citibank Ready Credit.

Learn more

How it works

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Log in to the Citi Mobile® App.

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Tap on "Pay later".

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Tap on "Transactions".

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Choose the transactions that you want to convert.

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Tap on "Confirm and convert now" after verifying the details.

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You have successfully converted your transaction(s) into instalments.

Calculate your monthly instalments*

*The monthly repayment amounts as stated below are for illustrative purposes only. Please note that your actual monthly repayment amounts will vary depending on your loan tenure and the actual interest rate offered to you.

How much would you like to convert?
Click on the pointer below to edit the amount.

S$250

S$250

S$50,000

Est. S$41.67/month
for 6 months
Service Fee (charged upfront): S$5

(Service Fee is charged at 2% (EIR 9.78% p.a.))

Download the Citi Mobile® App to get Citi PayLite

Download on the App Store GET IT ON Google Play

Frequently Asked Questions

What is Citi PayLite?

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

How to apply?

- Existing Citi cardholders

Existing Citi cardholders may apply for Citi PayLite by logging on to Citi Mobile® App, Citibank Online or via SMS sent to your registered mobile number.


- 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.

Is there a minimum amount and/or tenure to take up Citi PayLite?

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.

Do I need to use a particular Citi credit card or purchase from a selected merchant(s) to apply for the Citi PayLite Program?

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

How do I know my application has been approved?

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 the SMS sent to your registered mobile number, we will send a success SMS to inform you that your application has been approved.


Alternatively, you may look out for a confirmation letter sent to your registered mailing address or refer to your next Citi credit card statement of account to know if the Program has been approved or not.

How do I know how much to pay for the monthly instalment?

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 mailing address in our records which will set out the repayment schedule as well as details of your loan under the Citi PayLite program.


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

How will my repayment behavior (for this Program and outstanding balances from my previous monthly statements) incur additional finance charges to my Citi Credit Card / Citibank Ready Credit account?

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 credit card 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 Citi Ready Credit 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

Terms & Conditions

Click here to view Citi PayLite/ Citi FlexiBill Terms and Conditions

Click here to view Citi PayLite/ Citi FlexiBill Terms and Conditions (Revision 8 July 2021)