You can convert high value purchases into EMI in just a few clicks via our digital channels – click here to book now.

Citibank Online

• Login with User ID and Internet Password (IPIN)
• Click on “Click an EMI” under “Credit Card” tab
• Choose the purchase transaction you want to convert into EMI and select your tenure
• Submit the details

Citi Mobile App

• Login with User ID and Internet Password (IPIN)
• Click on “Convert credit transactions into EMI” under the “Loans and EMIs on Credit Card” dropdown
• Choose the purchase transaction 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.

Based on the transaction value, Citi PayLite can be booked for a minimum amount of ₹2500. The maximum amount will be determined by your retail balance and the available credit limit at the time of booking.

The interest rate is card member specific and will be as communicated to you at the point of availing the loan. You can log in to Citi Mobile App/Citibank Online to check the applicable interest rate on your Citi PayLite offer.

Yes, a one-time transaction fee of 2.5% of the converted purchase amount or ₹200, whichever is higher, will be charged for every Citi PayLite product facility.

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

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

Step 1: Click on the Credit Card tab at the top of the navigation panel

Step 2: Click on the “View Active Loan details” tab

Step 3: Select the credit card for which you want to view the loan details

Step 4: View the loan report for your chosen credit card

Alternatively, you can also check your loan status on your Citi Mobile App

Step 1: Login to your Citibank account on your Citi Mobile App.

Step 2: Navigate through left panel by clicking on the menu button at the top left corner of the screen

Step 3: Click on “Loans and EMIs on Credit Card”> “View Active Loans and EMIs”

Step 4: View the loan report for your card

There is no lock in period and the loan may be pre-closed at any point of time. Any pre-closure of Citi PayLite 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 book EMIs on an add-on card too.