Citibank Flexi Payment Plan

Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.

    • Up to 36 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

    How To Apply for Citibank Flexi Payment Plan

    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 Flexi Payment Plan 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 Citibank Flexi Payment Plan

    Things you might want to know

    Pay only half the interest rates!

    The Citibank FlexiPayment Plan allows for you to convert some of your favorite purchases under an easy payment plan. This way you get to make smaller and easier payments. 

    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 the FlexiPayment Plan 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 36 months. Likewise, the interest rate will range from 9.84% - 10.57% p.a.! That’s almost half of the regular interest rate.

    Make your payments in small installments 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.

    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 FlexiPayment Plan before it shows up in your monthly statement. Once it has been billed it can't be un-billed.

    Read More

    Apply online now for Citibank Flexi Payment Plan

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