Turn big purchases into small payments

Get what you love with ease

Turn big purchases into affordable instalments with zero processing fee.

Shop wherever you like

Works for purchases at any merchant RM50 and above on your Citi credit card.

Simple and hassle-free

Convert your purchases in a few taps on your Citi Mobile® App. No documents required.

Split your big purchases

Tap the calendar icon on the 'Transactions' page of your Citi Mobile® App to convert a single purchase over RM50 into affordable instalments

Split your big purchases Split your big purchases

Convert to instalments
From just RM213.33/month

Bundle multiple purchases

Tap on multiple purchases over RM50 on the 'Transactions' page of your Citi Mobile® App to bundle them together into one instalment plan

Bundle multiple purchases Bundle multiple purchases

for 24 months

Convert to instalments
From just RM213.33/month

for 24 months

How others are using Citi PayLite

Nothing beats seeing the happy smiles on the faces of our loved ones. Little Melvin celebrated his 1st birthday with friends and family thanks to Citi Paylite.
Home appliances
Home appliances
Home appliances often carry a hefty price tag. Stan split the bill for his washing machine with Citi PayLite.
Tech gadgets
Tech gadgets
New magical technologies are always coming out. Jon turned his gadget spree into affordable monthly payments with Citi PayLite.

Download Citi Mobile® App
to get Citi PayLite

Download on the App Store GET IT ON Google Play

You can also access Citibank Online here or contact Citi Phone

Frequently Asked Questions

How much do I need to pay for the first month?

You only need to pay first month's interest which will be pro-rated from the approval date to the next immediate statement cycle date.

Is there any processing fee for Citi PayLite?

There is no processing fee for Citi PayLite.

Do I need to use a particular Citi credit card or purchase from a selected merchant list to enjoy the Citi PayLite service?

No. There is no restriction to any particular Citi credit card or merchant list for you to enjoy the Citi PayLite service.

What if I want to fully settle the Citi PayLite instalment plan before its maturity?

Subject to Citibank's approval, you may at anytime cancel your Citi PayLite plan or opt for early settlement of the PayLite amount. Such cancellation or early termination requires an early termination penalty of 5% on the remaining outstanding principal under the Citi PayLite instalment plan.

Terms & Conditions

  1. Citi PayLite is a service that enables you to convert unbilled retail transactions at a specified interest rate.
  2. Your credit limit is subject to be reduced based on the Citi PayLite amount that has been approved. Available credit limit is based on current spend and may vary if you have spent or made payment toward outstanding balances.
  3. Your credit card account(s) or other facility or loan account(s) (if any) must be valid and in good standing (including not being overdue in payment), with the application subject to Citibank's approval.
  4. Upon cancellation or early settlement of the Citi PayLite amount, you must pay the total outstanding principal together with 5% settlement fee (or any prevailing early settlement fee) of the total outstanding principal.
  5. For the full Terms and Conditions, please click here.
  6. For the full Product Disclosure Sheet, please click here.