Enjoy better financial flexibility

Ease your mind

Convert your credit card statement balance into affordable monthly installments

Instant approval and hassle-free

Convert in a few taps on the Citi Mobile® App with no documents required and no hidden fees

Keep earned Points/Miles

No points/Miles lost upon conversion

How it works on Citi Mobile® App

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Select the card that you would like to convert its statement and click on the "Installment" tab.

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Tap "Convert to installments" to get started.

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Enter the amount you would like to convert and select the repayment plan that works for you.

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Tap "Confirm and convert now" to complete your request.

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View repayment schedule.

Installment calculator

How much would you like to convert?

VND 10,000,000

VND 10,000,000

VND 900,000,000

Please slide to select your preferable repayment tenure (months) and estimated rate of interest





Your monthly installment due is

VND 879,158.87

Disclaimer: The calculation is simplified for illustration purpose only.
The applicable conversion amount, repayment tenure and interest rate are subject to change at the time of application.

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Frequently Asked Questions

How do I convert my statement via Citi Mobile® App?

Log in to Citi Mobile® App and choose the card that you would like to convert its statement. Click on the "Statement amount" tab, then click on "Convert to installments" button to start.

How much is the interest rate for this feature?

The applicable rate of interest is subject to your Citi FlexiBill submission/ conversion time. Interest rate is calculated on reducing balance based on the assumption that there are 365 days per year.

Can I convert my full statement into installments?

The eligible amount for conversion is your statement balance after the Minimum Payment, any cash transactions, any dispute transactions, any reverted transactions, any transactions which are converted or eligible for other installment programs from Citibank, Annual Fee, Joining Fee and other fees stated in Citibank Credit Card Term and Conditions have been deducted.

What if I want to fully settle the Citi FlexiBill installment plan before its maturity?

Subject to Citibank’s approval, you may at any time cancel your Citi FlexiBill plan or elect for early settlement of the Citi FlexiBill amount. Upon such cancellation or early termination, the Citi FlexiBill plan's unbilled outstanding principal is included back to your credit card balance and will be charged with your current Citibank Credit Card interest rate starting from the termination date. There is a pre termination fee of 3% applied on the Citi FlexiBill plan's outstanding principal.