Citi PayLite

Enjoy more freedom when you transfer your retail purchases to Citi PayLite, convert your credit card purchases into affordable monthly instalments.

    • Up to 60 months
    • Unrestricted selection of merchant
    • No early termination fee
  • Instalment PeriodInterest RateMinimum Amount
    6 months10.57% p.a. and no one-time upfront handling feeRM500
    12 months9.96% p.a. and no one-time upfront handling feeRM500
    18 months9.84% p.a. and no one-time upfront handling feeRM500
    24 months9.85% p.a. and no one-time upfront handling feeRM500
    30 months9.91% p.a. and no one-time upfront handling feeRM500
    36 months9.99% p.a. and no one-time upfront handling feeRM500
    48 months9.99% p.a. and no one-time upfront handling feeRM500
    60 months9.99% p.a. and no one-time upfront handling feeRM500

    How To Apply for Citi PayLite

    Get help with making your expensive shopping habits affordable

    Make a purchase of at least RM500 with your Citibank credit card anywhere around the world and manage your finances better.

    1. Select the purchase you wish to convert to Citi PayLite and decide on the repayment tenure.
    2. Call 03 2383 0000 (Kuala Lumpur), 04 296 0000 (Penang), 07 268 0000 (Johor Bahru) or 1800 82 1010 (Sabah & Sarawak) anytime, any day to convert your transactions.
    3. And you're done! Your first instalment will be shown in your next credit card statement.

    Frequently Asked Questions about Citi PayLite

    Things you might want to know

    The Citibank PayLite allows for you to convert some of your favorite Citibank credit card purchases into affordable monthly instalments with zero processing fee. All you need to do is to convert your purchases on your Citi Mobile App. No documents are required.

    Tell me more

    Okay, so for an average person, the interest rate charged to a credit card bill is 18% p.a. which, let’s admit it, is a lot of money on the side.

    With Citi PayLite, you can both choose a tenure that works for you and reduced interest rate based on your expenditure.

    So, pick a repayment period, from a minimum of 6 months up to a period of 60 months. Likewise, the interest rate will be up to 10.57% p.a. instead of 18% p.a.(depending on the effective interest rate and tenure being applied for).

    Make your payments in small instalments to avoid that pinch you’d feel if you blew through your savings.


    Speaking of blowing through your savings. Remember to make all your payments on time, or you will have to pay an interest of 18% above a possible late payment fee.

    The minimum amount you need to spend to be eligible for this plan is RM500 in either a single receipt or accumulated retail transactions. Remember to bundle them together into one instalment plan on your Citi Mobile App.

    How do I apply?

    Simply drop a call to Citibank and tell them which purchases you’d like to be converted under the plan. Then pick a tenure that you’re comfortable with.

    Keep in mind that you should notify the bank of the purchases you'd like to convert under the Citi PayLite before it shows up in your monthly statement. Once it has been billed it can't be un-billed.

    Terms and conditions apply.

    Product Disclosure Sheet

    Read More

    Apply online now for Citi PayLite

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