Split your purchases and earn extra rewards

Limited time offer

Successfully apply via Citi Mobile® App
to enjoy up to 2% unlimited rewards3



Promotion period from 1 July, 2020 to 30 September, 2020

Sign up tours at EGL website and choose to pay by installments

To enjoy up to
6 months interest rebate

Learn more

Turn big purchases into small payments

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 0.24%

Monthly flat rate as low as 0.24%4.

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!

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 6/12/18/24/30/36/42/48-month repayment periods are available.
  • 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 the program 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.
  • 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.
  • 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 transactions are not valid for this Program: balance transfer, interest-free hire purchase, “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
  • 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 and a minimum tenor of 12 months with an Eligible Card within the Promotional Period.

Terms and Conditions for Citi Credit Card "FlexiBill" Installment Program and Citi Credit Card "PayLite" Installment Program

  • Citi Credit Card "FlexiBill" Installment Program and Citi Credit Card "PayLite" Installment Program ("the Program") of Citibank (Hong Kong) Limited (“Citi” or “Citibank”) is only applicable to designated Citibank principal credit cardholders (each an "Eligible Cardholder") as stated in the terms and conditions set forth herein and as communicated to the Eligible Cardholder from time to time (whether in writing or orally by telephone or otherwise) (the "Terms and Conditions").
  • A request by Eligible Cardholder for a loan (“Loan”) under the Program will be deemed to be acceptance of the Terms and Conditions by the Eligible Cardholder. The Terms and Conditions shall be in addition and supplementary to and not in substitution or in derogation of Citi Credit Card Agreement or Citi Octopus Credit Card Agreement, whichever is applicable (each a "Cardholder Agreement") and all other applicable terms and conditions of Citi. The words and expressions used herein shall have the same meaning as in the relevant Cardholder Agreement unless the context otherwise requires. In case of any inconsistency between the Terms and Conditions and the relevant Cardholder Agreement, the Terms and Conditions shall prevail.
  • The Eligible Cardholder confirms that this application is not referred by a third party. Availability of the Program is subject to account status checking, available credit limit or loan limit (whichever applicable) at the time the request is received and the final acceptance by Citibank (Hong Kong) Limited ("Citibank") in its absolute discretion. Citibank has the right to revise the final approved Loan amount .
  • Eligible Cardholder must apply the Loan with a minimum amount of HK$200.
  • 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 transactions are not valid for this Program: balance transfer, interest-free hire purchase, “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 Loan will be deducted from the available credit limit or loan limit of the Account upon approval of the application. The credit limit or loan limit will be restored in accordance with your payment. In addition, if the Loan is deducted from the loan limit upon approval of the application, the Monthly Installment Amount (as defined below) shall be deducted from the available credit limit upon such approval until the full settlement of the Loan.
  • An initial fee ("Initial Fee") will be charged only once. It is calculated by multiplying
    i. the Loan;
    ii. the monthly flat rate from time to time applicable to the Eligible Cardholder ("Monthly Flat Rate");
    iii. the number of days from the transaction date to the first Statement date, and dividing the total by 30 days. The Initial Fee will be payable on the first Statement date.
  • A monthly fee ("Monthly Fee") will be charged monthly from the first Statement date until the full settlement of the Loan at the Monthly Flat Rate, and payable on each Statement date commencing on the second Statement date. Total Monthly Fee is calculated by multiplying (i) the Loan; (ii) the Monthly Flat Rate; (iii) the number of installments.
  • Eligible Cardholder shall repay the Loan by way of monthly installments (the "Monthly Installment Amount") from the second Statement date onwards. The Monthly Installment Amount is calculated by dividing the aggregate of the Loan and all the Monthly Fee by the relevant number of installments. The Annualized Percentage Rate ("APR") of the Loan is calculated in accordance with the method set out in the relevant guidelines issued by the industry associations and is based on a 365-day installment period using Net Present Value method. Citibank shall have the right at its discretion to apportion any installment payment between interest and principal in such manner as it shall desire.
  • Points, Octopus Cash, Cash Rebate or any other promotional offers (if applicable) will be awarded according to the monthly billed principal of the Loan, provided that any Loan in relation to any individual transaction made with Citibank banking account/ATM/Debit Card is not eligible for Points, Octopus Cash, Cash Rebate or any other promotional offers (if applicable).
  • Application cannot be cancelled, changed or reversed once submitted.
  • Without prejudice to other terms contained herein, if the entire Statement Balance stated in any monthly Statement is not received in full by the payment due date, a finance charge (at the prevailing rate) will be imposed on
    a. the Monthly Installment Amount (excluding the Monthly Fee and Initial Fee, if any) from the billing date until full payment is credited to the Account; and
    b. the unpaid balance and the new transactions in accordance with the Cardholder Agreement. Other fees and charges as set out in the Cardholder Agreement will continue to apply.
  • The minimum payment due of the Monthly Installment Amount shall comprise of
    i. 1.5% of current month's billed principal and unbilled principal of the Loan;
    ii. the Monthly Fee; and
    iii. the Initial Fee, if any.
  • Citibank shall have the right at its absolute discretion to request for full payment of the Loan on demand at any time. In the event of cancellation of the Account (or early repayment of the Loan in full) for whatever reason, the following will become immediately due and payable:
    a. the outstanding principal amount,
    b. an early cancellation fee equivalent to 4% of outstanding principal amount. The Eligible Cardholder shall give Citibank at least 7 working days’ notice in advance of the intention to make early repayment. Once given, such notice will not be revocable without Citibank’s prior consent in writing. All paid Monthly Fees and Initial Fee (if applicable) will not be refunded. Partial early repayment will not be accepted.
  • a. Nothing contained in this Program shall be construed as an obligation on Citibank to offer or continue to offer the Program.
    b. Citibank reserves the right at any time without prior notice vary all or any of the Terms and Conditions, or to replace, wholly or in part, this Program by another scheme, whether similar to this scheme or not, or to withdraw it altogether.
    c. Citibank will not be responsible or liable for any actions, claims, damages, costs, charges and expenses which a cardholder may suffer, sustain or incur by way of this Program.
  • All matters are subject to the final decision of Citibank.
  • Cardholder shall inform Citibank as soon as possible of any difficulty in repaying or servicing the Loan over the period of repayment.
  • In the event of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for “Turn your Citibank banking account/ATM/Debit Card transaction or Credit Card statement balance or transaction to installments and Earn up to 1% unlimited rewards each time!”:

  • The promotional period is from July 1, 2020 until September 30, 2020 (both dates inclusive). (“Promotional Period”). All Eligible “FlexiBill” and “PayLite” Installment Loan (as defined in clause 4) must be conducted during the Promotional Period.
  • The Terms and Conditions of Citi Credit Card “FlexiBill” Installment Program and Citi Credit Card “PayLite” Installment Program (“the Program”) apply to all Eligible “FlexiBill” and “PayLite” InstallmentLoans
  • Unless otherwise specified, this promotion applies to cardholders ("Cardholders") of Citi Credit Cards issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Cards").
  • 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 and a minimum tenor of 12 months with an Eligible Card within the Promotional Period.
  • 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 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 the program 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. If the participants successfully apply for a “PayLite” Installment Loan in relation to any individual transaction made by Citibank banking account/ATM/Debit Card, the participants will be entitled to additional HK$50 Cash Coupon for each HK$5,000 booked in a single application.
  • Participants will be entitled to Cash Coupons (as defined in clause 5) for each Eligible “FlexiBill” or “PayLite” Installment Loan approved during the Promotional Period.
  • Citibank will determine the eligibility of Cardholders to participate in this promotion as well as the transactions based on Citibank’s record, and at the sole and absolute discretion of Citibank. If relevant “FlexiBill” or “PayLite” Installment Loan in relation to any individual transaction made by Citibank banking account/ATM/Debit Card or the Credit Card current statement balance or a portion of the current statement balance or any individual transaction is verified by Citibank as Eligible “FlexiBill” or “PayLite” Installment Loan, a cash coupon redemption letter will be mailed to Participants’ Hong Kong correspondence addresses on or before November 30, 2020.
  • Cash Coupons are available while stocks last. Citibank reserves the right to replace the Cash Coupons with alternative gift without prior notice. The Cash Coupons offered cannot be exchanged for cash and are not replaceable in the event of any loss or damage. Upon redemption, the product cannot be replaced, returned or refunded. Citibank is not a supplier of the Cash Coupons and accepts no liability with respect to the quality of the products and services provided by the supplier of the Cash Coupons involved in this promotion. The respective merchants are solely responsible for all obligations and liabilities relating to such product or services and all auxiliary services. The Cash Coupons are subjected to the relevant terms and conditions printed therein.
  • Unless otherwise specified, this promotion cannot be used in conjunction with other special promotions.
  • Participants’ Eligible Card accounts must be valid and with good credit record during the Promotional Period and the fulfillment period in order to be eligible to receive the Cash Coupons. Otherwise Citibank reserves the right to forfeit the Cash Coupons without prior notice.
  • During the Promotional Period and the fulfillment period, if the Participant is found to have made early settlement of the loan under the Program OR cancel the relevant Citi Credit Card used to draw down the loan under the Program that won the Cash Coupons prior to the final repayment date of the loan under the Program, Citibank reserves the right to debit the amount equivalent to the Cash Coupons from the Participant’s credit card account or other accounts with Citibank (if applicable).
  • In case of any fraud/abuse/reversal or cancellation of transactions in respect of which the Cash Coupons was awarded, Citibank reserves the right to debit from the Cardholder’s Eligible Card account the equivalent amount of the Cash Coupons without prior notice.
  • Citibank reserves the right to amend these terms and conditions or withdraw or terminate this promotion at its discretion without prior notice and Citibank accepts no liability for such amendment, withdrawal or termination. All matters and disputes are subject to the final decision of Citibank.
  • In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail. If there is any discrepancy between the promotional materials and these terms and conditions, these terms and conditions shall apply and prevail.
  • No person other than the Participant and Citibank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of these terms and conditions.
  • These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

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