Easily to turn your big purchases into small payments.

Turn big purchases into small payments

Get what you wish

Convert spending transactions from VND 3 million into monthly installments on Citi Mobile® App.

No documents required.

No waiting for approval.

Shop whatever you like

The installment program applies to transactions marked on Citi Mobile® App or converted via SMS notification to the phone number registered with the bank.

Peace of Mind

Flexible choices of installment tenors that suit your needs, including 3, 6, 9 or 12 months with the corresponding conversion fee (*).

(*) Each tenure has a different applicable processing fee.

Easy instalments, instantly

via Citi Mobile®App

Easy installments, instantly on your finger tips
Transaction with icon (on Citi Mobile® App) or icon (on website via the link from SMS) mean it's available to convert into monthly installment plan with applicable processing fee.
Easy instalments, instantly

via the link from SMS

Frequently Asked Questions

Who is eligible to enjoy the Citi PayLite service?

Citi PayLite is offered to Citibank primary Vietnamese Credit Card holder(s).

What happens to my earned rewards?

When a transaction is converted to Citi PayLite instalment plan, any Citi Miles, Reward Points and/or Cash Back earned from that transaction will be reverted from your reward account.

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

On your next immediate statement after successfull conversion, you will need to pay applicable proccesing fee for the choosen tenor together with the first installment.

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

Subject to Citibank's approval, you may at any time cancel your Citi PayLite plan or elect for early settlement of the Citi PayLite amount. Upon such cancellation or early termination, the Citi PayLite plan's outstanding principal is charged back to your credit card balance. Early termination penalty is not applicable for Citi PayLite program.

Is there any eligible criteria for a transaction to be qualified for Citi PayLite program?

Transaction valued from VND 3,000,000 which has been debited to the card account and not yet billed in your card statement.

Not applicable for Cash Advance, cash transactions, dispute transactions, reverted transactions, transactions which is converted or eligible for other instalment programs from Citibank, Annual Fee, Joining Fee and other fees stated in Citibank Credit Card Term and Conditions.

What if I do not see any icon as mentioned above or my request is failed?

The icon appears next to any eligible transaction listed on "Last transaction" list. If your transaction is "Pending", it is not yet debited to your card account.

If transaction is no longer "Pending" but you still do not see any icon , or your submitted request is failed, please call CitiPhone for assistance.

Which applicable tenors and how much do I pay for conversion fee when I join Citi PayLite ?

The eligible tenors from 3, 6, 9 or 12 months which corresponding processing fee as below details:
Tenors Conversion fee
3 months 3.50% of transaction amount
6 months 4.50% of transaction amount
9 months 6.00% of transaction amount
12 months 7.50% of transaction amount
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