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

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.

Apply via Citi Mobile® App to enjoy easy conversions

You may also

Apply via Citi Mobile® App to enjoy easy conversion
Get Citi PayLite today for better financial flexibility

Learn more

How it works

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Login to the Citi Mobile® App.

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Select your Credit Card. Tap on "See all" to apply for Citi PayLite.

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Select a transaction with a blue icon.

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Tap on "Next". You have the option to also select more than 1 transaction to convert.

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Select the repayment plan.

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Tap on "Confirm and convert now" after you have verified the details.

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

Calculate your monthly instalments

How much would you like to convert?




Available repayment plans*

Est. $83.33/month
for 6 months
Processing Fees: $15

Upfront fee of 3% (EIR 14.82% p.a.)

Est. $41.67/month
for 12 months
Processing Fees: $25

Upfront fee of 5% (EIR 11.36% p.a.)

*Additional Notes: Figures are for illustrative purpose. You may login to Citibank Online or the Citi Mobile® App to find out about the Citi PayLite offer (instalment amount, one-time service fee & applicable EIR) available for you.

How others are using Citi PayLite

Citi PayLite - Buy Jewellery now and pay later in Instalments
Buy yourself that necklace you've been wanting today and pay later with affordable Citi PayLite instalments.
Citi PayLite - Buy home appliances now and pay later in Instalments
Home appliances
Need a new washing machine? Buy it today and pay for it with easy Citi PayLite instalments.
Citi PayLite - Buy tech gadgets now and pay later in Instalments
Tech gadgets
Get the latest gadgets and pay for them with affordable monthly Citi PayLite instalments.

Download 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 12 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.

Terms & Conditions

Click here to view Citi PayLite Terms and Conditions.