You can now convert your Citi Credit Card outstanding into EMI in just a few clicks via our digital channels – click here to avail now.

Citibank Online

• Login with User ID and Internet Password (IPIN) & click on the Credit Card tab
• Visit your Credit Card Account summary page & click on your Credit Card
• Select your tenure and click on “Submit” to book your loan

Citi Mobile App

• Login with User ID and Internet Password (IPIN)
• Click on “Convert credit card outstanding into EMI” under the “Loans and EMIs on Credit Card” dropdown
• Choose the amount you want to convert into EMI and select your tenure
• Submit the details

Alternatively, you may also contact our 24X7 CitiPhone helpline on 1860 210 2484. Click here for the detailed Terms and Conditions.

The interest rate is card member specific and will be as communicated to you at the point of balance conversion. You can log in to Citibank Online to check the applicable interest rate on your FlexiBill offer.

Yes, a one-time transaction fee of 2.5% of the converted purchase amount or ₹300, whichever is higher, will be charged for availing the FlexiBill facility.

You can book the loan on your Citi Credit Card for a period of 6, 12, 24, 36 or 48 months.

The minimum outstanding amount that you can convert into EMI is ₹2500. The maximum conversion amount will be determined by your retail balance and will be limited to total outstanding minus the minimum amount due.

All details of your loan once availed are also displayed on the Citi Mobile App/Citibank Online, making it easy for you to track pending tenure, unbilled principal and to access, download, print your repayment schedule whenever you need it.

You can check your loan status on Citibank Online by following four simple steps

There is no lock-in period and the loan may be pre-closed at any point of time. Any pre-closure of EMI shall attract Prepayment charges at the rate of 3% on the unpaid principal together with relevant taxes. You can pre-close your Loan product by calling 24-Hour CitiPhone (1860 210 2484).

Goods and Services Tax (GST) as notified by the Government of India, is applicable on the interest component of the EMI, all fees and other charges and is subject to change as per relevant regulations of the Government of India.

Yes, as a primary card holder, you can avail Citi FlexiBill for transactions done on add-on cards too.