What is Citi PayLite Facility?

Citi PayLite is a facility offered to Citi Credit Cardholders to convert their purchases into easy monthly installments. Any eligible purchase greater than ₹ 2500 can be converted into flexible EMIs before the payment due date.It can be conveniently availed in just a few clicks, via Citi Mobile App/ Citibank Online.

What is the interest rate applicable for Citi PayLite?

You can log in to Citi Mobile App/Citibank Online to check the applicable interest rate on your PayLite offer.Visit: https://www.citibank.co.in/ibank/login/IQPin1.jsp?dOfferCode=CONVERTEMI

Are there any other charges for booking Citi PayLite?

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 facility. Also, 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.

Can I pre-close my loan?

There is no lock in period and the loan may be pre-closed at any point of time. Any pre-closure of Citi PayLite facility shall attract prepayment charges at the rate of 3% on the unpaid principal together with relevant taxes. You can pre-close your EMI facility by calling 24-Hour CitiPhone.

Convert Credit Card Transactions to EMI

Turn any Credit Card purchase* above Rs.2500 into
affordable installments with Citi PayLite

Convert big credit card purchases into EMIs

Get what you love with ease

Convert any purchase above 2500* into affordable instalments at flexible tenures.

Shop as much you like

Convert up to 10 eligible transactions into easy EMIs on your Citi credit card.

Simple and hassle-free

No paperwork, avail instantly via Citi Mobile App or Citibank Online.

Use our credit card EMI calculator to see how much you can convert

How much would you like to convert?

Rs. 2,500

2500

Rs. 2,500

Rs. 6,50,000

Available repayment plans

Est. Rs. 447 /month

for 6 months

Est. Rs. 237 /month

for 12 months

Est. Rs. 133 /month

for 24 months

Est. Rs. 99 /month

for 36 months

Est. Rs. 82 /month

for 48 months

This is an illustrative example. The monthly repayment amount may differ based on the interest rate communicated to you while availing the offer.

How to convert your credit card transactions to installments

Screen 1: Check eligibility to convert credit transactions to EMI

1
Choose ‘Convert credit card transactions into EMI’ to check eligible transactions

2
Select purchase for EMI conversion

Screen 3: Choose tenure for Credit Card Instalments

3
Choose your tenure

Screen 4: Credit Card EMI Subscription successfully done

4
Congratulations! You have successfully converted your purchase to easy installments

How others are using Citi PayLite to make their purchases affordable

Luxury goods

Everyone treats themselves in their own way. Sneha got the shoes she had been eyeing, with affordable Citi PayLite.

Home Appliances

Home appliances often carry a hefty price tag. Seema split the bill for her latest washing machine with Citi PayLite.

Turn your purchases into affordable monthly payments

Tech gadgets

Kunal turned his latest gadget purchases into affordable monthly payments with Citi PayLite.

What is Citi PayLite Facility?

Citi PayLite is a facility offered to Citi Credit Cardholders to convert their purchases into easy monthly installments. Any eligible purchase greater than ₹ 2500 can be converted into flexible EMIs before the payment due date.

It can be conveniently availed in just a few clicks, via Citi Mobile App/ Citibank Online. Click here to avail now.
What is the interest rate applicable for Citi PayLite?

You can log in to Citi Mobile App/Citibank Online to check the applicable interest rate on your PayLite offer.

Click here to avail now.
Are there any other charges for booking Citi PayLite?

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 facility. Also, 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.
Can I pre-close my loan?

There is no lock in period and the loan may be pre-closed at any point of time. Any pre-closure of Citi PayLite facility shall attract prepayment charges at the rate of 3% on the unpaid principal together with relevant taxes. You can pre-close your EMI facility by calling 24-Hour CitiPhone.