CITIBANK EASY PAY


No delay on your satisfaction

Why wait to indulge? The pleasure of shopping is instantaneous. Citibank Easy Pay Plan gives you the privilege of making purchases with 0% instalments, so you can seize the delight immediately - while easing the pressure on your expenses.

Benefits

0% interest

Enjoy interest-free monthly instalments for your purchases!

Flexible tenure

Choose your repayment period, from 3 months up to 36 months.*

Affordability

Applies to purchases from as low as RM500.

Widely available

Easy Pay is available at over 1000 merchant outlets nationwide!

* Tenure subject to the discretion of Citibank and its respective merchants.

How It Works

Look out for merchants which display the "Citibank 0% Easy Pay" sign.

Shop at these outlets and indicate that you would like to use your Easy Pay privilege.

Make the payment with your Citibank credit card.

The total price of your purchase will be divided by the tenure you have chosen.

Not a Citibank cardmember yet?

Merchant
 
Electrical (Appliance & Gadgets)
  • ACER SALES AND SERVICES SDN BHD
  • AES SALES & SERVICE SDN BHD
  • ALL IT HYPERMARKET SDN BHD
  • ALPHA-TECH DISTRIBUTION SDN BHD
  • AMARA BETA SDN BHD
  • ARAS ASAS SDN BHD
  • ARISTA XTREME NETWORK SDN BHD
  • AVER AWARDS SDN BHD
  • BAN HIN BEE SDN BHD
  • BAN HUAT ELECTRICAL SALES & SERVICES S/B
  • BEST DENKI MALAYSIA SDN BHD
  • BINTANG MAJU COMMERCIAL SDN BHD
  • BLOCKWEST SDN BHD
  • BM SALES & SERVICES SDN BHD
  • BRIGHTSTAR DISTRIBUTION SDN BHD
  • BUILD TECHNOLOGY SUPPLY SDN BHD
  • BYTES TRENDZ SDN BHD
  • CG COMPUTERS SDN BHD
  • CHANG SIN LETRIK SDN BHD
  • CHOP SENG HOCK (ALMA) SDN BHD
  • CHOP SENG HOCK (TG) SDN BHD
  • CHOP SENG HOCK ELECTRICAL SDN BHD
  • CHOP SENG HOCK(BM) SDN BHD
  • CHOP SENG HOCK(BW) SDN BHD
  • CHOP SENG HOCK(PG) SDN BHD
  • CONNECT STORE SDN BHD
  • DARSON ELECTRONICS SDN BHD
  • DELL ASIA PACIFIC SDN BHD
  • DESA HOME THEATRE SDN BHD
  • E AVENUES SDN BHD
  • E DIMENSION SDN BHD
  • EAST OCEAN E-IMAGING SDN BHD
  • ELECTROLUX HOME APPLIANCES SDN BHD
  • ELEKTRONIK KECK SENG SDN BHD
  • ENG WAH HOME CENTRE SDN BHD
  • EPICENTRE LIFESTYLE SDN BHD
  • ESH (M) SDN BHD
  • FOREVER ELECTRICAL SDN BHD
  • FOTO FLASH SDN BHD
  • FOTO MIAMI SDN BHD
  • FOTO SHANGRI-LA (M) SDN BHD
  • FOTOKEM (SP) SDN BHD
  • FOTOKEM SDN BHD
  • GADGET NETWORK SDN BHD
  • G-ORANGE HOMEMART SDN BHD
  • HAPPY HOUSEHOLD SDN BHD
  • HENG HENG TRADING CO.
  • HEWLETT-PACKARD (M) SDN BHD
  • HLK(CHAIN-STORE) SDN BHD
  • HOCK LOONG ELECTRICAL CORPORATION S/B
  • HOE HUAT ELECTRIC SDN BHD
  • HOE HUAT ELECTRICAL ENTERPRISE SDN BHD
  • HOME MART PLUS(M)SDN BHD
  • HOME NET ELECTRONIC SDN BHD
  • HUAT MING ENTERPRISE SDN BHD
  • HWA LIAN TRADING CO
  • I LIFE STYLE SDN BHD
  • I WINNERS SDN BHD
  • INGENS SDN BHD
  • JIM'S (D.I.Y) & LANDSCAPE SDN BHD
  • KEDAI LETRIK POLLY
  • KEDAI RADIO TONMOOI RETAIL SDN BHD
  • KEY COLOR PHOTO SDN BHD
  • KITCHMATE SDN BHD
  • LAM LOONG PHOTO HOUSE SDN BHD
  • MAC CITY SDN BHD
  • MACHINES SDN BHD
  • MEE TOO PHOTO(M)SDN BHD
  • NEW KIM SENGHIN ELECTRICAL
  • NOVAFIESTA SDN BHD
  • NYAN RADIO & ELECTRICAL SDN BHD
  • ONE E&E SDN BHD
  • ONE EIGHT ELECTRIC SDN BHD
  • ONKING CHAIN-STORE (M) SDN BHD
  • ORION ELECTRONIC SERVICE CENTRE
  • PERNIAGAAN ELEKTRIK SINAR RIA SDN BHD
  • PERNIAGAAN LETRIK KEMPAS JAYA SDN BHD
  • PKU TECHNOLOGY SDN BHD
  • SCIENCE ELECTRONICS SDN BHD
  • SENG ELECTRIC SALES & SERVICES
  • SENG HOCK ELECTRICAL SALES & SERVICES
  • SENG LECTRIC ENTERPRISE
  • SENHENG ELECTRIC (KL) SDN BHD
  • SERVEX (M) SDN BHD
  • SHONG LEE PHOTO (M) SDN BHD
  • SIN SIAH AUDIOVISON
  • SING KWANG ELECTRONIC CENTRE SDN BHD
  • SIONG HOW ELECTRICAL AND ELECTRONIC S/B
  • SONY (MALAYSIA) SDN BHD
  • ST CONNECTIONS SDN BHD
  • STAR ELECTRONICS SALES&SERVICES SDN BHD
  • STY ELECTRIC AUDIO TRADING
  • SUNCITY ELECTRONIC ENTERPRISE
  • SUPREME HOME APPLIANCES SDN BHD
  • SURIA JERAI ELECTRICAL SDN BHD
  • SYARIKAT ELEKTRIK SIANG SDN BHD
  • SYARIKAT HIAP HUAT LETRIK
  • SYARIKAT HOE HENG ELECTRONIC SDN BHD
  • SYARIKAT LETRIK WING HIN SDN BHD
  • TAN ELECTRONICS SDN BHD
  • THE HELLO STATION (M) SDN BHD
  • THE STUDIO MONT KIARA SDN BHD
  • THE STUDIO SDN BHD
  • THUNDERMATCH-TECHNOLOGY SDN BHD
  • TONGSIN ELECTRIC SALES & SERVICES
  • TOONG HENG ELECTRONICS SDN BHD
  • U AUDIO ELECTRIC SDN BHD
  • UNHUAT ELECTRONIC SDN BHD
  • V BEST MARKETING SDN BHD
  • VISIONARY SOLUTIONS SDN BHD
  • WAH LEE CHAIN-STORE SDN BHD
  • WELFON TELECOMMUNICATION SDN BHD
 
Health & Beauty Wellness
  • ADONIS BEAUTY CONSULTANTS SDN BHD
  • ADONIS FIRST ACADEMY OF COSMETHOLOGY SB
  • ALICE TOTAL HEALTH&BEAUTY SPECIALIST SB
  • AL-INSAAN SDN BHD
  • ALIVE ORGANIC SDN BHD
  • ARCHRIGHT MARKETING SDN BHD
  • ASIAN SKIN ESTHETICS SDN BHD
  • ASTERSPRING INTERNATIONAL SDN BHD
  • BBI BEYOND BEAUTY SDN BHD
  • BEAUCLEAR ENTERPRISE SDN BHD
  • BEAUFOODER (M) SDN BHD
  • BEAUTY FOREVER SDN BHD
  • BELLEZA THERAPIA SDN BHD
  • BODY PERFECT (BOULEVARD) SDN BHD
  • BODY PERFECT (KL) SDN BHD
  • BODY PERFECT (NORTHPOINT) SDN BHD
  • BODY PERFECT (SUNWAY) SDN BHD
  • BP DIAGNOSTIC CENTRE SDN BHD
  • CENOSIS (M) SDN BHD
  • CN BEAUTY SDN BHD
  • COSMETIQUE CLINIQUE SDN BHD
  • COWAY BASIC SDN BHD
  • CRES WELLNESS SDN BHD
  • CRYSTAL EVERBEST SDN BHD
  • CRYSTAL PALACE BEAUTY CENTRE SDN BHD
  • DORRA SLIMMING SDN BHD
  • EMMA LIZS SKIN CARE CENTRE
  • ESTHETIKA SLIMMING BEAUTY CENTRE (M) SB
  • EXERTAINMENT MALAYSIA SDN BHD
  • FACEVEIL BEAUTY SDN BHD
  • FITNESS CONCEPT SPECIALIST CHAIN SDN BHD
  • FITNESS GROWTH SDN BHD
  • FWG FRANCHISING SDN BHD
  • GINTELL (BORNEO) SDN BHD
  • GINTELL (M) SDN BHD
  • GINTELL IREST SDN BHD
  • GINTELL(M) SDN BHD
  • GLOW & GLAMOUR STUDIO SDN BH
  • GLOW & GLAMOUR STUDIO SDN BHD
  • HEALTHY WORLD LIFESTYLE SDN BHD
  • HOLISTIC HAIR CARE SDN BHD
  • HOLISTIC HAIR GROW SDN BHD
  • JEAN YIP SALON (M) SDN BHD
  • JIN SDN BHD
  • JOHNSON FITNESS (MALAYSIA) SDN BHD
  • JONSSON PROTEIN HEALTHY GROWTH SDN BHD
  • JOURDENESS COSMETIC CO SDN BHD
  • KALO COSMETIC SURGERY SDN BHD
  • KL FERTILITY & GYNAECOLOGY CENTRE S/B
  • KLINIK PAKAR KULIT KO SDN BHD
  • KO SKIN CENTRE SDN BHD
  • KUNZENSE BODYLINE SDN BHD
  • LEGEND LIFE SCIENCE SDN BHD
  • LONDON WEIGHT MANAGEMENT SDN BHD
  • MAYFAIR BODYLINE SDN BHD
  • MCU HOLDINGS SDN BHD
  • MENG BEAUTY & SLIMMING
  • NEW YORK SKIN SDN BHD
  • NSA JUICE PLUS (M) SDN BHD
  • OGAWA CARE SERVICES SDN BHD
  • OSIM (M) SDN BHD
  • OTO BODYCARE SDN BHD
  • OTO WELLNESS SDN BHD
  • PERFECT BEAUTY SDN BHD
  • PHILLIP WAIN (MALAYSIA) SDN BHD
  • REE'S SKIN FORMULATION SDN BHD
  • SAN WINS SDN BHD
  • SHAKURA PIGMENTATION BEAUTY SDN BHD
  • SKIN CULTURE SDN BHD
  • SKIN RENEW INTERNATIONAL (M) SDN BHD
  • SKIN RENEW MARKETING SDN BHD
  • SLIM FIT SPA BEAUTY SDN BHD
  • SLIMMING SANCTUARY SDN BHD
  • SLIMWORLD BEAUTY HOUSE SDN BHD
  • SPORTATHLON(MALAYSIA)SDN BHD
  • TAKASIMA HEALTH-MART SDN BHD
  • TANGIBLE AIM SDN BHD
  • TERIMEE INTL BEAUTY SLIMMING ACADEMY SB
  • TRUE FITNESS SDN BHD
  • TRUE FITNESS WORLD SDN BHD
  • TRUE HARMONY SDN BHD
  • TRUE HAVEN SDN BHD
  • TRUE YOGA SDN BHD
  • TRUEST SDN BHD
  • ULTIMATE IMPRESSION F&B CLNQ SDN BHD
  • VITAL SKIN COSMECEUTICAL & HEALTH SB
  • VITAZEN BEAUTY SDN BHD
  • WEI WEI BEAUTY & SLIMMING SPECIALIST SB
  • WEI WEI BEAUTY & SLIMMING(BM)SDN BHD
  • WEI WEI BEAUTY & SLIMMING(KL)SDN BHD
  • WEI WEI BEAUTY & SLIMMING(SG PETANI)SB
  • WELLNESS CONCEPT(M) SDN BHD
  • YUN NAM HAIR CARE SDN BHD
  • ZENTH BEAUTY SPA SDN BHD
 
Jewelry & Watches
  • COLLECTORS TIME GALLERY SDN BHD
  • CREATION ENTERPRISE
  • DE BEERS DIAMOND JEWELLERS SDN BHD
  • DE GEM JEWELS SDN BHD
  • DEGEM DIAMOND COLLECTION SDN BHD
  • DEGEM MASTERPIECE SDN BHD
  • DIAMOND & PLATINUM SDN BHD
  • GEMILLION JEWELLERY SDN BHD
  • HABIB JEWELS SDN BHD
  • HANG THAI WATCH SDN BHD
  • JEWELLERY CIRCLES SDN BHD
  • LAZO DIAMOND JEWELLERY SDN BHD
  • LAZO DIAMOND JWL & MANUFACTURING S/B
  • LITZ GOLDSMITH & JEWELLERY SDN BHD
  • LITZ JEWELERY SDN BHD
  • LOVE & CO SDN BHD
  • MIKIMOTO PEARL JEWELLERY (M) SDN BHD
  • MY DIAMOND SDN BHD
  • OE FINE JEWELLERY SDN BHD
  • POH KONG (KLANG) SDN BHD
  • POH KONG JEWELLERS (AMPANG POINT) S/B
  • POH KONG JEWELLERS (GOLD SEREMBAN) S/B
  • POH KONG JEWELLERS (PERMAS JAYA) S/B
  • POH KONG JEWELLERS (SHAH ALAM) SDN BHD
  • POH KONG JEWELLERS (SS2)SDN BHD
  • POH KONG JEWELLERS (SUBANG PARADE) SB
  • POH KONG JEWELLERS (THE MALL) SDN BHD
  • POH KONG JEWELLERS SDN BHD
  • POH KONG JEWELLERS(KLANG)SDN BHD
  • POH KONG JEWELLERS(KUANTAN)SDN BHD
  • POH KONG JEWELLERS(MALURI)SDN BHD
  • POH KONG JEWELLERS(MV)SDN BHD
  • PRECIOUS LANE SDN BHD
  • PRECIOUS LINE SDN BHD
  • PRUDENT LEGION SDN BHD
  • PUSAT EMAS WAH CHAN SDN BHD
  • PYT JEWELLER (M) SDN BHD
  • PYT JEWELLERS (AMPANG) SDN BHD
  • SINCERE WATCH SDN BHD
  • SJ JEWELLERY SDN BHD
  • SK JEWELLERY SDN BHD
  • SUEN JEWELLERS SDN BHD
  • TH JEWELRY SDN BHD
  • THE HOUR GLASS SDN BHD
  • TOMEI GOLD & JEWELLERY (MV) SDN BHD
  • TOMEI GOLD & JEWELLERY HOLDINGS (M) S/B
  • TOMEI GOLD & JEWELLERY HOLDINGS(M) S/B
  • TOMEI GOLD & JEWELLERY(MV) SDN BHD
  • TOMEI GOLD & JEWELLERY(MV)SDN BHD
  • TSE SUI LUEN JEWELLERY RETAILING SDN BHD
  • WAH CHAN 321LK DIAMOND SDN BHD
  • WAH CHAN CONSOLIDATED SDN BHD
  • WAH CHAN DEVELOPMENT SDN BHD
  • WAH CHAN GOLD & JEWELLERY CORP SB
  • WAH CHAN GOLD & JEWELLERY CORP SDN BHD
  • WATATIME (M) SDN BHD
  • WENG KWONG JEWELLERS
  • WIJAYA MULIA (M) SDN BHD
 
Home (Furniture & Appliances)
  • A NICE ENTERPRISE SDN BHD
  • ADT SERVICES (M) SDN BHD
  • AETIS SDN BHD
  • AINOFURNISHING SDN BHD
  • ALPHAMAX-INDUSTRIES SDN BHD
  • ANOGEN SDN BHD
  • ATLAS HIFI CORPORATION(M)SDN BHD
  • AZ KLANG HOME DECOR SDN BHD
  • BAGUS CURTAIN SDN BHD
  • BEST LIVING DESIGN SDN BHD
  • BRUNOMENZI SDN BHD
  • CAVENZI FURNITURE OUTLET
  • CELLINI DESIGN CENTER SDN BHD
  • CHAN CHING TRADING
  • CHAN FURNITURE(M)SDN BHD
  • CKE HOLDINGS SDN BHD
  • CLASSIC HOMENET DECORATION SDN BHD
  • COURTS (MALAYSIA) SDN BHD
  • D COR POINT DESIGN SDN BHD
  • DECOR POINT DESIGN SDN BHD
  • DELUX STAINLESS STEEL SDN BHD
  • D'LEGEND LCD & HIFI SDN BHD
  • E & E CREATIVE DESIGN SDN BHD
  • E & E FURNISHING CENTRE SDN BHD
  • ELITETRAX MARKETING SDN BHD
  • ERGOLAND ERGONOMIC LIFESTYLE SDN BHD
  • EXPRESS FURNISHING MARKETING CENTRE
  • FAGOR HOME APPLIANCES M SDN BHD
  • FERRAZ SDN BHD
  • FUJIHOME GLOBAL BERHAD
  • FUSION CREATIONS SDN BHD
  • GETHA LIFESTYLE ENTERPRISE
  • GINOVA MARKETING SDN BHD
  • GUCCA FURNITURE CONCEPT SDN BHD
  • H TRENDS BATHROOM CENTRE SDN BHD
  • HATCH HOME CONCEPT SDN BHD
  • HERMANN LIVING SDN BHD
  • HIWELL MARKETING SDN BHD
  • HOME LIVING DESIGN
  • HOUZ DEPOT SDN BHD
  • HUGO FURNITURE TRADING
  • HUP LEE HOME FURNISHING SDN BHD
  • IKANO PTE LTD
  • IN CUBE KITCHEN SDN BHD
  • INN HOME DESIGN SDN BHD
  • ITAZZO HOME STYLE SDN BHD
  • KHIN GUAN CORPORATION SDN BHD
  • KIAN CLASSIC DESIGN SDN BHD
  • KMM FURNITURE SDN BHD
  • KUBIQ SDN BHD
  • LAVINO FURNITURE SDN BHD
  • LAVINO HOME CENTRE SDN BHD
  • LAZIO SOFA SDN BHD
  • LEGEND HOME APPLIANCES SDN BHD
  • LIFESTYLE KITCHEN SDN BHD
  • LIONMAS FURNISHERS (M) SDN BHD
  • LITTLE WORLD FURNITURE
  • LUZINI (M) SDN BHD
  • MACY HOME FURNISHINGS SDN BHD
  • MATTRESSWORLD MARKETING(M)SDN BHD
  • MEKIO HOLDINGS SDN BHD
  • MILAN FURNITURE SDN BHD
  • MILANOHAUS SDN BHD
  • MIO CONCEPT SDN BHD
  • MIVA CREATION SDN BHD
  • MORINOX CONNECTION SDN BHD
  • NAKADA GROUP (M)SDN BHD
  • NOVEL HOME DESIGN SDN BHD
  • ONE U FURNITURE STORE SDN BHD
  • ORIENT BEAT SDN BHD
  • PEKAT TEKNOLOGI SDN BHD
  • PERABOT BAHAGIA SDN BHD
  • RED APPLE ENTERPRISE SDN BHD
  • ROTOL DOLPHIN (M) SDN BHD
  • ROZEL CORPORATION SDN BHD
  • RX DESIGN & RENOVATION
  • SCI CABINET INDUSTRY SDN BHD
  • SENZ MARKETING SDN BHD
  • SIGNATURE CABINET SDN BHD
  • SIGNATURE OBICORP SDN BHD
  • SLEEP PRO SDN BHD
  • SLEEP SUITE SDN BHD
  • SLEEP TO LIVE MARKETING SDN BHD
  • SLIDERDROBE SDN BHD
  • STL GALLERY SDN BHD
  • T & N FURNITURE SDN BHD
  • TAN BOON MING SDN BHD
  • TIAN DI TRADING SDN BHD
  • TS EXIM SDN BHD
  • VESS MARKETING SDN BHD
  • VIGICO MARKETING SDN BHD
  • VISION BEST SDN BHD
  • WINSCO DESIGN & DECOR SDN BHD
  • XAM-MAX ENTERPRISE SDN BHD
  • X-TRA FURNITURE SDN BHD
  • YOUTH LIVING FURNITURE SDN BHD
 
Shopping
  • ADVANCE VISION EYE SPECIALIST CENTRE
  • BENTLEY MUSIC SDN BHD
  • DS MULTIPLE TRADING
  • ECART SERVICES MALAYSIA SDN BHD
  • EKO IDEAS SDN BHD
  • FEMME FATALE SDN BHD
  • FJ BENJAMIN LIFESTYLE SDN BHD
  • FOCUS POINT VISION CARE GROUP SDN BHD
  • IMYBAGS DOT COM SDN BHD
  • LO HONG KA SDN BHD
  • LST LUXE SDN BHD
  • LVMH WATCH & JEWELLERY MALAYSIA SDN BHD
  • MELIUM SDN BHD
  • MOSTWELL SDN BHD
  • MTJ DEVELOPMENT SDN BHD
  • MUJI (MALAYSIA) SDN BHD
  • PYO TRAVEL (MY) SDN BHD
  • REEBONZ LIFESTYLE SDN BHD
  • ROBINSON AND CO M SDN BHD
  • SAMSONITE (MALAYSIA) SDN BHD
  • SAMSONITE (MALAYSIA)SDN BHD
  • SHEA VENTURE SDN BHD
  • TANGS DEPARTMENT STORE (TRADING) SB
  • TEIK SENN(MALAYSIA) SDN BHD
  • THE COFFEE BEAN & TEA LEAF(M)SDN BHD
  • THE CONCEPT EXHIBITION (M) SDN BHD
  • TRUEGOLF ACADEMY SDN BHD
  • UPTOWN ALLIANCE (M) SDN BHD
  • VISTA LASER EYE CENTER SDN BHD
  • WOFS.COM SDN BHD
  • YAMAHA MUSIC (M) SDN BHD
  • AEON BIG (M) SDN BHD
  • AEON CO.(M) BHD
  • ALKALIFE SDN BHD
  • AMC ALLIED METAL CRAFT CORPORATION SB
  • AMWAY(MALAYSIA)SDN BHD
  • AOG MARKETING (M) SDN BHD
  • BIOWILD SDN BHD
  • CELCOM MOBILE SDN BHD
  • CNI ENTERPRISE (M) SDN BHD
  • CNI GLOBAL (M) SDN BHD
  • COWAY (M) SDN BHD
  • DIGI TELECOMMUNICATIONS SDN BHD
  • ELEGAN PESONA SDN BHD
  • ELKEN SDN BHD
  • EVERPRO SDN BHD
  • EXTRA EXCEL (M) SDN BHD
  • GCH RETAIL (MALAYSIA) SDN BHD
  • HAI-O MARKETING SDN BHD
  • HEALTHY HOMES MARKETING (M) SDN BHD
  • IJM PROPERTIES SDN BHD
  • INFINITUS INTERNATIONAL(M) SDN BHD
  • MANDA'RINA SDN BHD
  • MAXIS COLLECTIONS SDN BHD
  • MJ DEPARTMENT STORES SDN BHD
  • NAGAMAS RETAILS (M) SDN BHD
  • NATURAL HEALTH FARM MARKETING (M) SB
  • NATURAL HEALTH FARM MARKETING(M)SB
  • NATURALLY PLUS MALAYSIA SDN BHD
  • NATURE ENVIRONMENT PRODUCTS SDN BHD
  • NESH MARKETING SDN BHD
  • NU SKIN (M) SDN BHD
  • PRO-AQUA MALAYSIA SDN BHD
  • PRUDENTIAL ASSURANCE (M) BHD
  • SEIKETSU ENTERPRISE SDN BHD
  • SUNSHINE WHOLESALE MART SDN BHD
  • TDST SDN BHD
  • TESCO STORES (MALAYSIA) SDN BHD
  • TIENS HEALTH DEVELOPMENT(M)SDN BHD
  • TRUE MIX SDN BHD
  • TUPPERWARE BRANDS MALAYSIA SDN BHD
  • U.E.S.HEALTH FARM SDN BHD
 
Services
  • AIA BERHAD
  • AO SYNERGY HOLDINGS SDN BHD
  • AUTO MOBILE GARAGE SDN BHD
  • CENTRE OF DESIGN EXCELLENCE SDN BHD
  • COMMERCE CLEARING HOUSE(M) SDN BHD
  • COMPREHENSIVE AUTO RESTORATION SERV SB
  • DCR MARKETING SDN BHD
  • DCR RESOURCES SDN BHD
  • ENVICO ENTERPRISE SDN BHD
  • FERUNI CERAMICHE SDN BHD
  • HSC SPECIALISTS CENTER(CHERAS)SDN BHD
  • IDEALLEX SDN BHD
  • IHM RISK MANAGEMENT SDN BHD
  • IPROPERTY.COM MALAYSIA SDN BHD
  • JCMS PROREWARDS SDN BHD
  • KANEBO COSMETICS MALAYSIA SDN BHD
  • KS COSMETICS SDN BHD
  • MAA TAKAFUL BERHAD
  • MAXLY LANDSCAPE SDN BHD
  • MY FUTUREWORLD SDN BHD
  • NN PEST CONTROL SDN BHD
  • OPTIMAX EYE SPECIALIST CENTRE SDN BHD
  • PDA JUNCTION (M) SDN BHD
  • PERODUA SALES SDN BHD
  • QUILL AUTOMOBILES SDN BHD
  • RENTOKIL INITIAL (M) SDN BHD
  • RF WARDROBE SDN BHD
  • RIDPEST SDN BHD
  • RP TRADING (KL) SDN BHD
  • RP TRADING (PENANG) SDN BHD
  • RP TRADING SDN BHD
  • SB SALES & MARKETING SDN BHD
  • SPARK MANSHOP SDN BHD
  • UMW TOYOTA MOTOR SDN BHD
  • VOLVO MALAYSIA SDN BHD
  • VR SOLUTION SALES & SERVICES
  • VR SOLUTION SDN BHD
  • VWA SALES & SERVICES
  • WAXSON CAR CARE SDN BHD
  • WB WARDROBE SDN BHD
  • XIAO EN BEREAVEMENT CARE SDN BHD
  • XIAO EN MEMORIAL PARK BHD
  • YAMAKOSHI MURA SDN BHD
  • YTL COMMUNICATION SDN BHD
  • ADAM KHOO LEARNING TECHNOLOGIES GROUP SB
  • ADVENTIST HOSPITAL & CLINIC SVS(M)
  • CHILDREN'S STUDIO SDN BHD
  • CHONG DENTAL SURGERY
  • EDIFIVE GROUP SDN BHD
  • GLENEAGLES HOSPITAL(KL)SDN BHD
  • HASALI DENTAL SDN BHD
  • HOPE CHILDREN SDN BHD
  • IHEAL MEDICAL SERVICES SDN BHD
  • INTI INSTRUMENTS (M) SDN BHD
  • INTI INTERNATIONAL COLLEGE KUALA LUMPUR
  • INTI INTERNATIONAL COLLEGE PENANG S/B
  • INTI INTERNATIONAL EDUCATION SDN BHD
  • INTI KINABALU SDN BHD
  • KASTURI MANAGEMENT CONSULTANCY S/B
  • KDU COLLEGE(PG)SDN BHD
  • KDU UNIVERSITY COLLEGE SDN BHD
  • KLINIK PERGIGIAN MY
  • LIFE CARE DIAGNOSTIC MEDICAL CENTRE S/B
  • MEDICAL WELLNESS SDN BHD
  • MEDTRONIC INTERNATIONAL LTD
  • MJ LIFE ENTERPRISES SDN BHD
  • O2 KLINIK SDN BHD
  • PANTAI MEDICAL CENTRE SDN BHD
  • PATHLAB HEALTH MANAGEMENT (M) SDN BHD
  • PATHOLOGY & CLINICAL LAB (M) SDN BHD
  • PJ COLLEGE OF ART & DESIGN SDN BHD
  • PRINCE COURT MEDICAL CENTRE SDN BHD
  • PUSAT HEMODIALISIS MAWAR
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Instalment Products, Cash Advance and Balance Transfer Terms and Conditions

Effective from 1 October 2012 to 22 October 2012, the Terms and Conditions for Citibank Instalment Products, Cash Advance and Balance Transfer are updated compliant to the Bank Negara Guidelines.

For further information, please visit our Citibank website at www.citibank.com.my

OR

For more specific Terms and Conditions; please refer to the links below:

* The terms and conditions have changed on 1 September 2012 and will be effective by 22 October 2012.

Citibank EasyPay (EP) - Terms and Conditions

The word "Card" means any credit cards issued by Citibank Berhad (Company No. 297089-M) and the word "Cardmember" means the holder of a Card participating in the Citibank EasyPay or EP (defined below). These terms and conditions will apply in conjunction with the provisions set out in the Citibank Card Terms and Conditions with necessary changes having been made, having substituted new terms and with respective differences taken into consideration but where there is any inconsistency between the two, these terms and conditions will prevail to the extent it applies to Citibank EasyPay or EP (defined below). All expressions here will have the same meanings as set out in the Citibank Card Terms and Conditions except where the context otherwise requires or where expressly stated to the contrary.

"Citibank EasyPay" or "EP" means an instalment plan available for Cardmembers who make purchases of goods and/or services ("the EP Purchase") using the Card from selected and approved EP merchants, to pay for such purchase whether wholly or partly by such instalments.

Cardmembers agree to the following terms and conditions:

  1. Citibank EasyPay is open to Citibank principal and supplementary Cardmembers.
  2. Only Cardmembers with good standing or whose Card Accounts are not in default or in breach of the Citibank Card Terms and Conditions or are in over limit are eligible to apply for the EP.
  3. Citibank EasyPay or EP is only applicable for purchase made by Cardmembers using the Card from selected and approved merchants by Citibank, also known as "EP Merchants". For the avoidance of doubt, EP Merchants may subject purchases to terms and conditions governing the EP Merchant's offers.
  4. The Cardmember authorizes and consents to Citibank to disclosing, information pertaining to the Cardmember's Card Accounts with Citibank to EP Merchants for the purposes of facilitating the processing of EP Purchases
  5. Subject to any variation or changes, the Cardmember must meet the minimum amount of RM500.00 made on an EP Purchase to qualify for Citibank EasyPay or EP. Citibank reserves to vary or change the minimum amount as it deems fit, with notice.
  6. EP Purchases will be considered a utilization of the Cardmember's available credit limit under the Cardmember's Card Account. The Cardmember's credit limit will be reduced by the amount of the EP Purchase and as each instalment under EP is paid by the Cardmember, the amount equivalent to such instalment paid will in turn, be restored to the Cardmember's credit limit.
  7. However, Cardmembers should understand that Citibank EasyPay or EP instalment plan:
      a. Is NOT available to selected Citibank Credit Cards; and
      b. Will NOT earn Reward Points and/ or cash rebates if used EP purchases on selected Citibank Credit cards
    Cardmembers are urged to understand the features of their Card and refer to the specific terms and conditions governing the use of their Credit Cards or call Citiphone at 03-2383 0000 to enquire.
  8. The Cardmember must choose a tenure of monthly instalment plan ("the EP Instalment Period") under EP during which time the EP Purchase amount and interest, if any ("EP Interest") must be paid by way of monthly instalments ("the EP Monthly Instalment"). The EP Instalment Period must be a minimum of 3 months up to 36 months or other such periods as Citibank may allow the Cardmember to choose from the date of the EP Purchase. The Cardmember is not at liberty to change the EP instalment Period or the EP Monthly Instalment unless Citibank determines otherwise.
  9. The Cardmember agrees that Citibank reserves the right, as it deems fit, to vary or change EP interest at such rate and/or the method in which the EP is calculated and the Cardmember as Citibank may deem fit for the EP Instalment Period with notice. Variation of the EP Interest may be effected by either varying the amount of any EP Monthly Instalments or varying the number of the outstanding EP Monthly Instalments. Cititbank will notify the Cardmember of the EP Interest rate (if any) and the amount of EP Interest payable. The Cardmember will be notified on the effective date of such variation or changes in the manner prescribed under the Citibank Card Terms and Conditions or by posting on the Bank's website at www.citibank.com.my ("Website") or any other manner the Bank deems fit.
  10. For the avoidance of doubt, any notification of variation or change of EP Interest, amount of any EP Monthly Instalments or number and amount of outstanding EP Monthly Instalments will be applicable to the Cardmember.
  11. The EP Monthly Instalment is computed as the sum of the EP Purchase and EP Interest if applicable divided by the number of months in the EP Instalment Period. Each EP Monthly Instalment will be treated as a normal purchase transaction on the Cardmember's Card Account and is reflected in the Cardmember's next monthly Statement of Account subsequent to such purchase and in each subsequent monthly Statement of Account until all of the EP Monthly Instalment for each EP Purchase has been fully repaid.
  12. For the avoidance of any doubt, payment of the EP Monthly Instalment is separate from the Specified Minimum Payment (as defined in the Citibank Card Terms and Conditions) required to be paid by the Cardmember. As such, each EP Monthly Instalment is to be paid in full, in addition to the Specified Minimum Payment due as reflected in the Cardmember's monthly Statement of Account by the Payment Due Date (as defined in the Citibank Card Terms and Conditions).
  13. During the EP Instalment Period, if Citibank is compelled to impose additional costs to sustain the EP by reason of a) any change in law or regulations which give rise to new or additional taxes, higher reserve requirement or similar aces or b) a significant change in the monetary situation or economic environment or c) for any other reason beyond the control of Citibank, the Cardmember agrees to bear such additional cost for maintaining EP and authorizes Citibank to bill the Cardmember for such additional cost and correspondingly adjust the EP Monthly Instalment before the expiry of the EP Instalment Period.
  14. In the event of any delay or failure to pay any EP Monthly Instalment in full on the Payment Due Date specified in the Cardmember's monthly statement ("Instalment Default Payment Event"), the Bank may levy finance charges in accordance with the Citibank Card Terms and Conditions ("Finance Charge") on the EP Monthly instalment amount which is outstanding. Any unpaid EP Interest outstanding on the Payment Due Date specified in the Statement of Account may be capitalized on each Payment Due Date and subject to the Finance Charge until full repayment of the outstanding amounts. Notwithstanding and in addition to the above, in the event of three (3) or more consecutive Instalment Default Payment Events, all monies due and owing under the EP, comprising of the total of the outstanding EP Monthly Instalments and total of any unbilled principal of EP Purchase, together with the applicable Finance Charge and balance of all other monies due and owing under the EP will be due and payable by the Cardmember.
  15. The EP is valid only up till the EP Instalment Period or any other extended date(s) as Citibank may, as it deems fit specify. For the avoidance of any doubt:
    1. Nothing contained here will be construed as an obligation on Citibank to extend the EP;
    2. Citibank reserves the right to vary or change these Terms and Conditions with prior notice by way of posting on the Website, or in any other manner deemed suitable by Citibank. The Cardmembers agree to access the Website regularly to view these Terms and Conditions and to ensure that they are kept-up to-date with any changes to these Terms and Conditions. Citibank also reserves the right to replace wholly or in part the EP by another scheme, whether similar or not, or to withdraw in altogether with prior notice;
    3. the Cardmember is obligated to resolve all disputes or differences on the merchantable quality, quantity or fitness for any purpose of the Cardmember's EP Purchases directly with the EP Merchants. Citibank will not be liable for any inadequate, defective or damaged goods or other disputes between the EP Merchant and the Cardmember. Regardless of the existence or otherwise of any dispute, the Cardmember irrevocably authorize Citibank to continue to debit and charge the EP Monthly Instalments to the Cardhodler's Card Account; and
    4. Citibank will not be responsible for and disclaims all liability to any actions, claims, damages, costs, charges and expenses which a Cardmember may suffer, sustain or incur by reason of the Cardmember's enrollment in EP.
  16. Any of the expressions contained in these Terms and Conditions may be described in a different manner in the Cardmember's Statement of Account and such descriptions will not be construed against Citibank as having a different meaning stated here.
  17. Any term and condition applicable here which is illegal, prohibited or unenforceable under any law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or unenforceability without invalidating the remaining provisions.
  18. These terms and conditions will be governed by and interpreted in accordance with the laws of Malaysia.