No processing fees for 3-month Citi PayLite instalment loans converted under Citi PayLite Bundle
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Citi PayLite® Bundle
Manage big purchases without hassle or charges.
With Citi PayLite® Bundle, pay off your retail purchases in 3-month
instalment payments at no processing fees#
Please note that Citi PayLite Bundle is currently available for eligible Citi Cash Back+ Mastercard cardmembers only.
No Processing Fees
Auto Conversion
Up to 3 eligible retail transactions (min. of S$500 each) will be automatically converted into 3-month instalment payments for every Bundle Period
Earn Cash Back
Continue to earn 1.6% cash back on your eligible retail transaction on your Citi Cash Back+ Mastercard, where applicable**
Download the Citi Mobile® App to apply for Citi PayLite Bundle
Frequently Asked Questions on Citi PayLite Bundle
GENERAL
Citi PayLite Bundle refers to the program under which the Bank will convert your first three (3) eligible retail transactions of minimum S$500 each in every Bundle Period to three (3) Citi PayLite instalment loans. Each such Citi PayLite instalment loan has a tenure of three (3) months. Only eligible basic/main/primary Citi Cash Back+ Mastercard cardmembers may apply for Citi PayLite Bundle. The Citi PayLite Bundle and the Citi PayLite instalment loans converted under the Citi PayLite Bundle are subject to the Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions.
The conversion will be done by the Bank on an ongoing basis until the Citi PayLite Bundle is terminated/cancelled in accordance with the Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions.
Bundle Period refers to the monthly period starting from the day after your Statement Date to your next Statement Date. However, for the first Bundle Period, it will commence from the day after the Application Approval Date to your next Statement Date.
Example: Assume your Statement Cycle is 8th of every month. You applied for the Citi PayLite Bundle Program successfully on 21-Mar. In this case, your first Bundle Period will be 22-Mar to 8-Apr followed by 9-Apr to 8-May for the second Bundle Period so on and so forth provided you did not cancel the Citi PayLite Bundle Program.
You may refer to Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions for more illustrations.
Only eligible basic/main/primary Citi Cash Back+ Mastercard cardmembers can apply for Citi PayLite Bundle Program.
You may apply/cancel your Citi PayLite Bundle via the Citi Mobile® App or such other methods which we may allow from time to time. There are no cancellation fees.
However, please note that cancellation of your Citi PayLite Bundle does not cancel the Citi PayLite instalment loans converted under the Citi PayLite Bundle. Please refer below on how to cancel the Citi PayLite instalment loans converted under the Citi PayLite Bundle.
No. Only your first three (3) eligible retail transactions of minimum S$500 each in every Bundle Period will be converted to three (3) Citi PayLite instalment loans. The specific criteria for an eligible retail transaction may be found in the Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions.
Please call Citiphone Banking (+65 6225 5225) between 8am to 8pm for the cancellation of any or all Citi PayLite instalment loans under this Program. If we acknowledge your request to cancel, there will be a minimum of 3 working days for the Citi PayLite instalment loan(s) cancellation to take effect. The full outstanding amount will be reflected in your subsequent monthly Citi credit card statement of account. You will be required to settle the amount in full by the payment due date, failing which you will be charged with the relevant late fees and interest charges in connection with the late repayment of your outstanding owed on your credit card account(s).
The icon will appear beside your Citi PayLite Bundle when you have requested to cancel the Citi PayLite Bundle and you have one or more converted eligible retail transaction(s) for the Bundle Period prior to the Cancellation Approval Date. It indicates that your Cancellation Effective Date is upcoming and the Cancellation Effective Date will be one (1) day after the end of the current Bundle Period. If you did not request to cancel the Citi PayLite Bundle, please contact Citiphone Banking (+65 6225 5225) as soon as you can.
The cash back that you have earned on your retail transaction charged to your relevant Citi credit card under the terms of the rewards program applicable to your Citi credit card will not be affected by the Citi PayLite Bundle. Please refer to the respective cardmember’s agreement for the terms governing your rewards program. However, please note that there will be no additional cash back accorded under the Citi PayLite Bundle.
You are unable to select the transaction(s) to be converted under the Citi PayLite Bundle Program. However, you may want to apply for Citi PayLite whereby you can choose the transaction(s) that you would like to convert. Click here to find out more about Citi PayLite.
Please note that it will be subject to Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions.
You may still receive SMSes, push notifications or other forms of communication from us with regards to Citi PayLite Program even if you have applied for Citi PayLite Bundle Program. However, you can ignore the SMS or Push Notification if you do not want this Eligible retail transaction to be converted under the Citi PayLite Program. If you agree to proceed to convert an Eligible retail transaction under Citi PayLite Program which may impose an upfront service fee or interest charges, the Eligible retail transaction will be converted under Citi PayLite Program and not be converted under Citi PayLite Bundle Program. You are advised to review the details of the instalment (e.g. monthly instalment, fee, tenure, EIR etc) before confirming. Please call Citiphone Banking (+65 6225 5225) if you have any queries.
INSTALMENTS
“0 of 3” means that the 1st instalment of your 3-month Citi PayLite instalment loan has not been billed. Once the 1st instalment has been billed, you will see “1 of 3” and so on and so forth for the subsequent months’ instalments.
If you choose to fully repay your Citi PayLite instalment loan early, you will have to call in Citiphone Banking to cancel your Citi PayLite instalment loan. There will be no cancellation fee applied. However, please note that the Citi PayLite instalment loans cannot be pre-paid partially.
There are no additional fees and/or charges for this Citi PayLite Bundle or Citi PayLite instalment loans under this Program, ONLY if we receive (or had received) payment in full of the current balance stated on your monthly statement of account by the payment due date every month until you have paid all instalments.
However, if we did not receive the full payment of the current balance as indicated in your previous monthly statement of account, the billed monthly instalment due in current statement, and any unpaid portion of any previous monthly instalment(s) in your current statement of account is subject to daily interest at (i) S$3.00 per month, or (ii) the Retail Interest Rate as set out in the statement of account, whichever is greater. This daily interest on the Citi PayLite instalment loan will be charged from one day after statement date till:
a) one day before the payment date of the Citi PayLite instalment, if you pay the full current balance on or before the payment due date OR
b) the date you pay the full current balance after the payment due date.
In addition, if we do not receive the full payment of the minimum amount due by the payment due date, you must also pay a monthly late payment charge at a rate(s) determined by us and notified to you from time to time and your credit records will reflect payment delinquency. The above is subject to the terms of our Citi Cardmember's Agreement governing your Citi Credit Card account. The prevailing interest rate can be found at the back of your monthly statement of account.
Please note that the instalment loan will take more than the scheduled term to pay off in full if only minimum amount due is paid on your Credit Card.
Important Note:
The promotions, products and services mentioned in the referenced document are not offered to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.
Terms & Conditions
#Click here to view Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions. Only eligible Citi Cash Back+ Mastercard cardmembers can apply for Citi PayLite Bundle Program.
**The earning of Cash Back on any transaction is subject to the terms of the relevant Citibank Credit Cardmember’s Agreement. Please note that no additional Cash Back will be earned under Citi PayLite Bundle.
*Welcome offer eligible for new Citi Cardmembers only with a minimum qualifying spend of S$800 in the first 2 months, capped at S$4,000 qualifying spend. Promotion valid till 28 February 2026. Click here to view the Citi Cash Back+ Card 8% Cash Back Welcome Gift Promotion Terms and Conditions.
Don't have a Citi Cash Back+ Card yet? Apply now and get 8%
cash back (up to S$320 cash back)*.
*T&Cs apply. Applicable for new Citi Cardmembers.
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