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Citi Quick Cash

Citi Credit Card ‘Loan On Phone (LOP)’ or ‘Citibank PayLite’ Installment Program has been renamed as ‘Citi Quick Cash’.

Readily available cash loan against your credit card

Funds in an instant

Cash amount within or above your credit limit into your bank account, instantly*

Amount above credit limit

Cash loan in excess of your available
credit limit, subject to approval

Cash on your terms

Flexible tenures ranging from 6 to 48 months

Simple and Hassle-free

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

*Cash gets deposited instantly, if to a linked Citi account. For other bank accounts, the credit will be applied by the next business day.

Avail instant loan now via the Citi Mobile® app

Avail instant loan now via the Citi Mobile® app


Choose ‘Loan on Credit Card’ to check your pre-qualified loan eligibility


Pick the repayment plan that works for you


Choose the amount you wish to avail


That’s it! Now enjoy the funds in your bank account.

Get an instant Citi Quick Cash quote
I need
for my
Rs. 5,875 / month*
This is an illustrative example. The monthly repayment amount may differ based on the interest rate communicated to you while availing the offer.

How others are using Citi Quick Cash


Planning a perfect wedding is a huge undertaking. With Citi Quick Cash, Anushka was able to make her dream wedding come true.

Medical Expenses

Medical expenses can accumulate quickly, especially when life surprises you with twins. Citi Quick Cash let Rahul and Preeti cover all their bills with ease.

Children’s Education

Enrichment classes are a necessity these days. With Citi Quick Cash, Nikhil secured ballet lessons for his daughter.

Frequently Asked Questions

  • What is Citi Quick Cash ?

    Citi Quick Cash is an exclusive installment facility offered to select Citi Credit Cardholders, which may be within or above the credit line. It can be conveniently availed through Citibank Mobile App or Citibank Online.

    Click here to check your eligibility and book.

  • What is the interest rate for this feature?

    The interest rate is card member specific and will be as communicated to you at the point of availing the loan. Eligible loan amount and interest rate will vary basis customer vintage, credit card performance and overall profile. You can log in to Citi Mobile App/Citibank Online to check the applicable interest rate on your pre-approved loan on credit card offer.

    Click here to check your eligibility and book.

  • Are there any other charges for booking Citi Quick Cash?

    Yes, a one-time transaction fee of 2.5% of the loan amount or ₹ 300, whichever is higher, will be charged for the Citi Quick Cash 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 Quick Cash facility shall attract prepayment charges at the rate of 3% on the unpaid principle together with relevant taxes. You can pre-close your loan by calling 24-Hour CitiPhone.

Important Notice :

Citi Credit Card ‘Loan On Phone or LOP’ or ‘Citibank PayLite’ Installment Program has been renamed as ‘Citi Quick Cash’ Program.

Terms & Conditions

Terms and Conditions for Citi Quick Cash.