Split your purchases and earn extra rewards

 Citi PayLite - Citi Mobile® App special offer


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



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.

Turn big purchases into small payments6

Get what you love with ease

Turn big purchases into affordable installments.

Shop wherever you like

Works for purchases at any merchant HK$200 and above on your Citi credit card.

As low as 0.11%

Monthly flat rate as low as 0.11%7*.

Simple and hassle-free

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


Split your big purchases

Logon to Citi Mobile® App, select credit card and click “Transaction”,
click on “ Split your big purchases< “ icon to settle transactions by installments.
Then click “Convert to installments” to confirm.

Split your big purchases Split your big purchases

Convert to installments
From just HK$213.33/month

(The screenshots serve as a reference only)

Bundle multiple purchases

Logon to Citi Mobile® App, select credit card and click “Transaction”,
click on “ Bundle multiple purchases “ icon to select multiple transactions for installment.
Then click “Convert to installments” to confirm.

Bundle multiple purchases Bundle multiple purchases

Convert to installments
HK$213.33/month (for 24 months)

(The screenshots serve as a reference only)

Convert to installments
From just HK$213.33/month

(The screenshots serve as a reference only)

Convert to installments
HK$213.33/month (for 24 months)

(The screenshots serve as a reference only)

How do you use?

Luxury goods
Luxury gifts
On their wedding anniversary, he buys his wife a dream gift with affordable Citi PayLite installments.
Home appliances
Home appliances
The washing machine has not been able to function properly recently. She split the bill for his washing machine with Citi PayLite.
Tech gadgets
Tech gadgets
Many people are using gadgets now. He bought a new tablet to his father with Citi PayLite, so that he can keep up with the pace of technology.

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.
  • Options of 3/6/12/18/24/30/36/42/48-month repayment periods are available for “PayLite” Installment Loan.
  • The Promotion is only applicable to selected cardholders who are offered Citi Credit Card “PayLite” Installment Program with a loan tenor option of 3 months by Citibank (Hong Kong) Limited ("Citibank") and only includes the “PayLite” Installment Loan which is applied for (i) through online or mobile device via designated link, (ii) Citibank Online or (iii) via Citi Mobile® App in relation to any individual transaction with approved loan amount of HK$200 or above and a tenor of 3 months within the Promotional Period. Customers are required to pay the Monthly Fee and Initial Fee as stated in the monthly statement. Cardholders will be entitled to a cash rebate of the total Monthly Fee and Initial Fee charged, the cash rebate will be credited to the cardholder’s card account on or before June 30, 2022.
  • 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.
  • The quoted Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.11% is 2.46% ; 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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