Split your bill and earn extra rewards

 Citi FlexiBill - Citi Mobile® App special offer


Enjoy free cash flow by settling your statement balance with flexible installments in your hand!


Limited Time Offers

Offer 1^: Enjoy up to 2% unlimited rewards 2,3

Apply successfully for Citi Flexibill via Citi Mobile® App.


Offer 2: Win a PS5 in a lucky draw

Register via Citi Mobile® App’s Get More and apply successfully for the Citi Quick Cash,
Citi FlexiBill or Citi PayLite Program.


Promotion Period: Available till December 31, 2021
Terms and Conditions apply.


^The promotion is only applicable to customers with monthly flat rate 0.12% or above.

Big months paid your way4

Ease your mind

Convert your statement into installments equally every month.

Get in control

Choose your repayment plan for up to 48 months5.

As low as 0.24%

Monthly flat rate as low as 0.24%6*.

Simple and hassle-free

Convert your purchase instantly with your Citi Mobile® App, no documents required.


Settle your statement balance by installments

Logon to Citi Mobile® App, select credit card and click “Statement amount”, click “Convert to installments” to settle statement by installments.

A smartphone showcasing how to convert credit card statement amount to installment payment on Citi Mobile app

Convert to installments
From just HK$213.33/month

(The screenshots serve as a reference only)

Convert to installments
From just HK$213.33/month

(The screenshots serve as a reference only)

How do you use installment payment?

A mother dropping her son to school, having paid the fees with Citi Flexibill
Education
Back-to-school expenses can easily add up. Sam starts his daughter off on the right foot with Citi FlexiBill.
A woman enjoyong in a car, having paid for her holidays with Citi Flexibill
Holidays
A US road trip has always been on Jen's bucket list. With Citi FlexiBill, she made it happen.
Using Citi Flexibill to pay for seasonal shopping
Seasonal buys
Christmas cheer comes with a lot of festive spending. Kevin uses Citi FlexiBill to spread the season's bills over time.

Download and Log in to the Citi Mobile® App

To borrow or not to borrow? Borrow only if you can repay!

*The installments from the Citi Credit Card “FlexiBill” Installment Program and Citi Credit Card “PayLite” Installment Program are billed to the Citi Credit Card account monthly similar to a normal retail purchase and are subject to usual finance charge if you pay/ had paid less than the statement balance indicated on your current or previous monthly statements of account on or before the payment due date. For details, please refer to Terms and Conditions for Citi Credit Card "FlexiBill" Installment Program and Citi Credit Card "PayLite" Installment Program.

Remarks:

  • Application via the web will not be processed if no verification has been done by Citibank (Hong Kong) Limited. Customers will be contacted within 3 working days counting from the day of when the customer first submitted the online application form stipulated in this promotional webpage.
  • Cardholders who successfully apply for an Eligible “FlexiBill” or “PayLite” Installment Loan with an Eligible Card during the Promotional Period (“Participants”) will be entitled to (i) HK$50 Wellcome Supermarket Cash Coupon (“Cash Coupon”) for a booked amount from HK$3,000 to HK$4,999.99 in a single application (ii) HK$50 Cash Coupon for each HK$5,000 booked in a single application. If the participants successfully apply for an Eligible “FlexiBill” or “PayLite” Installment Loan with an Eligible Card through Citi Mobile® App, the participants will be entitled to additional HK$50 Cash Coupon for each HK$5,000 booked in a single application.
  • Eligible “FlexiBill” and “PayLite” Installment Loan only includes the first 8,000 “PayLite” Installment Loan in relation to any individual transaction made by Citibank banking account/ATM/Debit Card and “FlexiBill” and “PayLite” Installment Loan in relation to the Credit Card current statement balance or a portion of the current statement balance or any individual transaction with approved loan amount of HK$3,000 or above, the monthly flat rate of 0.12% or above and a minimum tenor of 12 months with an Eligible Card within the Promotional Period, and does not include Citi Credit Card “PayLite” Installment Plan for iPhone for Life.
  • a) Application of the Program in relation to any individual transaction made by Citibank Credit Card must be made 3 business days after the transaction is made or posted to the Citi Credit Card account (the "Account"), whichever is later, and must be made 2 business days before the billing date of the transaction, or
    b) Application of the Program in relation to the current Statement Balance or a portion of the current Statement Balance of Citibank Credit Card must be made 2 business days before the Payment Due Date of the current Statement.
    c) Application of the Program in relation to any individual transaction made with Citibank banking account/ATM/Debit Card must be made within 3 days of the relevant transaction.
    The following credit card transactions are not valid for this Program: balance transfer, Merchant Installment Plan , “Quick Cash” Installment Program, auto-pay, cash advance, casino chips, traveler's checks, all fees and charges (e.g. annual fee, finance charges, late charge), and any transaction that has been subject to cancellation, charge-back, returned. The following Citibank banking account/ATM/Debit Card transactions are not valid for this Program: Purchasing insurance or investment products, gambling, loan and card payments, down payments for auto and home purchases, fund transfer to other accounts under your Citibank banking account.
  • Options of 6/12/18/24/30/36/42/48-month repayment periods are available for “FlexiBill” Installment Loan.
  • The quoted Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.24% is 5.40%; An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0376 to check for individualized Monthly Flat Rate.

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