Citi PayLite after purchase Turn any credit card purchase into affordable installments

Turn big purchases into small payments

Get what you love with ease

Turn big purchases into affordable installments.

Shop wherever you like

Works for your unbilled local, international or even online straight single-receipt purchases of at least P3,000 into light installments.

Simple and hassle-free

Convert your purchases in a few taps on your Citi Mobile® App. No documents required.

Split your big purchases

Tap the calendar icon on the ‘Transactions’ page of your Citi Mobile® App to convert your unbilled purchases into affordable installments.

Split your big purchases Split your big purchases

Bundle multiple purchases

Tap on multiple purchases on the 'Transactions' page of your Citi Mobile® App to bundle them together into one installment plan.

Bundle multiple purchases Bundle multiple purchases

Apply now and enjoy low converted monthly factor rates!

Example

  • Eligible Amount for Citi PayLite after purchase: P30,000
  • Pay only P1,550 for 24 months

Rate Table:

Term *Converted Monthly Factor Rate **Annual Effective Interest Rate Monthly Installment
3 1.00% 23.51% P 10,299.99
6 1.00% 25.06% P 5,300.01
12 1.00% 25.41% P 2,800.00
24 1.00% 24.82% P 1,550.00

Please note that your application is subject to credit evaluation and approval.

A Processing Fee of P250 will be charged to your Citi credit card once your Citi PayLite after purchase application is approved.

The Converted Monthly Factor Rate may be different from actual offer. Log on to your account to know your PayLite after purchase offer.

*The Converted Monthly Factor Rate, is presented as a guide that can be used to derive the monthly installment (interest plus principal). Monthly Installment Due = {Principal Amount x [1+(Converted Monthly Factor Rate x Term)]}/Term

Where Term is the number of months that you will be paying for the Monthly Installment Due. It does not include the period covered by the first statement of account (period covered by the initial interest).

**The Effective Interest Rates (EIR) above are based on interest computed on a fixed 30-day period per month. The actual EIR of the installment transaction may be higher or lower as this includes the Initial Interest and Processing Fee.

The charging of the Principal Amount is deferred for the first statement of account and will begin on the second Statement of Account after the approval date, and an initial interest will be charged in consideration for the longer payment period provided to you to repay the Principal Amount. The initial interest is computed based on the actual number of days from the approval date of your Installment Transaction to your statement date, and will be charged on your first Statement of Account issued following the approval date. The initial interest is calculated by multiplying (i) the approved Principal Amount, (ii) the applicable monthly EIR, and (iii) the number of days from the approval date to the first statement date; and dividing the total by 30 days. It will be reflected on your Statement of Account as the charge on Month 0 [PayLite after purchase or Merchant Name Initial Int].

The Monthly Installments Due will be reflected on your second and succeeding Statements of Account after the approval date. Please continue to pay for at least the minimum amount due reflected on your statement of account before the due date to avoid unnecessary interest charges and late charge, and to maintain your credit history.

Important Note: The installments from your Citi PayLite After Purchase transaction are billed to your Citi credit card account monthly similar to a normal retail purchase, and are subject to the usual interest charge if you pay/had paid less than the Total Amount Due indicated on your current or previous monthly Statement of Account on or before the Payment Due Date. Usual late charges apply if you pay/had paid less than the Minimum Amount Due on or before the Payment Due Date.

How others are using Citi PayLite after purchase

Luxury goods
Luxury goods
Everyone treats themselves in their own way. Mel got the shoes she has been eyeing with affordable Citi PayLite after purchase installments.
Home appliances
Home appliances
Home appliances often carry a hefty price tag. Stan split the bill for his washing machine with Citi PayLite after purchase.
Tech gadgets
Tech gadgets
New magical technologies are always coming out. Jon turned his gadget spree into affordable monthly payments with Citi PayLite after purchase.

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Frequently Asked Questions

What is Citi PayLite after purchase?

Citi PayLite after purchase is a Citi Card facility which allows select Citi Cardholders of good credit standing to convert an unbilled straight single-receipt retail purchase of at least P3,000 to a PayLite after purchase Installment plan.

How do I apply for Citi PayLite after purchase?

To find out if you are qualified for Citi PayLite after purchase and to apply, you just need to log on to www.citibank.com.ph or to call our CitiPhone Hotline at 8995 9999 8 AM to 9 PM daily. For the complete PayLite after purchase Terms & Conditions, please visit www.citibank.com.ph/pap.

What transactions can I convert to PayLite after purchase?

Any unbilled single-receipt retail purchase on your Citi Card of at least P3,000.

What is an unbilled retail purchase?

An unbilled retail purchase is any purchase made using your card that has not yet been reflected on your current statement of account.

Can I accumulate purchases to meet the minimum amount of P3,000?

No. You may only convert a transaction to Citi PayLite after purchase if it is a single-receipt purchase worth at least P3,000.

How long will it take for my transaction to be converted to PayLite after purchase?

Your transaction will be converted to PayLite after purchase on the same day.

What is the maximum number of transactions I can convert?

You may convert as many transactions as you wish. However, please note that the total amount of your Citi PayLite after purchase transactions is still subject to credit evaluation and approval.

When can I request for PayLite after purchase?

You may apply for Citi PayLite after purchase as soon as it is posted to your account (as early as 2-3 days after the transaction was made) and before your statement date.

What if I have transactions on my statement that I would like to convert to PayLite after purchase?

You may call our CitiPhone Hotline at 8995 9999 to check if there are other installment plans available to your account.

Why is the transaction I would like to convert not yet on the online PayLite after purchase application form?

Only unbilled, single receipt retail purchases worth at least P3,000 may be converted to PayLite after purchase. Please call our CitiPhone Hotline at 8995 9999 for assistance.

Can I pay off my installment prior to maturity?

You can pay off your installment prior to maturity by calling our CitiPhone Hotline at 8995 9999. However, a cancellation processing fee of P300 will be charged to your account, plus accrued interest charges on the cancelled Installment Transaction computed based on the actual number of days from the last Statement Date until the date of cancellation.

Terms & Conditions

TERMS AND CONDITIONS OF THE CITI PAYLITE AFTER PURCHASE FACILITY

In these Terms and Conditions of the Citi PayLite after purchase Facility ("Terms and Conditions"), "Card" means all credit cards issued by us, Citibank, N.A. (Philippine Branch) or its successor and assign, Union Bank of the Philippines (hereafter, all references to Citi or Citibank N.A. – Philippine Branch is understood to be references to Union Bank of the Philippines) (also referred to as “we”, “our”, or “us”), while "you" refers to the select Citi Cardholders who are of good credit standing and who are eligible to avail of Citi PayLite after purchase. By availing of Citi PayLite after purchase, you agree to the following Terms and Conditions, and all applicable terms and conditions under the Citi Card Agreement and all related provisions of the Citi Installment Facilities:

  1. Citi PayLite after purchase is an installment facility wherein select Citi Cardholders of good credit standing, as determined by us in our sole discretion, may convert an unbilled straight single-receipt retail transaction and pay the same, together with applicable interest and other fees, on installment basis ("Installment Transaction"). Cash Advance and Installment transactions, Interest Charges, and fees are not convertible under the Citi PayLite after purchase Facility. The Citi PayLite after purchase request will be subject to verification and credit approval by us. We may, at our option, require a minimum availment amount for Citi PayLite after purchase.
  2. Where we approve a request for Citi PayLite after purchase, the total Citi PayLite after purchase amount ("Principal Amount") shall be subject to these Terms and Conditions and all applicable terms and conditions under the Citi Card Agreement and all related provisions of the Citi Installment Facilities.
  3. You may apply to convert more than one (1) of your unbilled straight single-receipt retail transactions to Citi PayLite after purchase. If you request to convert multiple transactions to installments, the Principal Amount will be the total purchase price of all the transactions that you requested to convert in the same request.
  4. Points, rebates and miles ("Usage Privileges") earned from the transactions applied for conversion will be deducted from the Card account upon conversion, and will be earned back monthly in such amounts corresponding to the principal of the Monthly Installment Due billed. Earning and redeeming of Usage Privileges for the different Card products are governed by the respective Card’s terms and conditions.
  5. You expressly agree that charging of the Principal Amount is deferred for the first Statement of Account, and acknowledge that you will pay an initial interest in consideration of the longer payment period provided to you to repay the Principal Amount. The Monthly Installments Due will be reflected on your second and succeeding Statements of Account after the approval date, and the interest component of the Monthly Installment Due will be computed as set out below.
  6. The initial interest is computed based on the actual number of days from the approval date of your Installment Transaction to your first statement date after the said approval date. It will be charged on your first Statement of Account issued following the approval date. The initial interest is calculated by multiplying (i) the approved Principal Amount, (ii) the applicable monthly Effective Interest Rate (EIR) [computed as set out below] and (iii) the number of days from the approval date to the first statement date; and dividing the total by thirty (30) days.

    It will be reflected on your Statement of Account as the charge on Month 0 [PayLite after purchase or Merchant Name Initial Int].

  7. The Monthly Installment Due will be billed and reflected on your SOA after the Posting Date as [Installment Facility or Merchant Name (001:00x)] and so forth. You may compute the monthly installment due ("Monthly Installment Due" or "MID") using the following formula:

    Principal Amount x [1+(Converted Monthly Factor Rate x Term)]

    Term

    Where Term is the number of months that you chose for your Installment Transaction.

    Each MID of your Installment Transaction will be included in the Minimum Amount Due ("MAD") in your SOA until the end of the Term of the Installment Transaction.

    The MID of your Installment Transaction comprises the billed Principal and interest components, which are computed on a diminishing balance basis. The Interest and principal components of the Monthly Installments Due vary each month and are computed as follows:

    1. Interest component:

      Prior month’s outstanding principal balance x monthly Effective Interest Rate (EIR), where monthly EIR = (1 + Annual EIR) 1/12 -1.

    2. Principal portion:

      Monthly Installment Due - interest component for the month.

    The Monthly Installments Due will be reflected on your second SOA from the approval date and succeeding Statements of Account as [PayLite after purchase or Merchant Name (001:00x)] and so forth.

  8. Your availment of the Citi PayLite after purchase means you agree to pay us interest on the Principal Amount on the dates specified in the SOA at the applicable Converted Monthly Factor Rate with a corresponding Effective Interest Rate per annum based on the outstanding principal balance and the Term.

    For example:

    Term* (Months) Converted Monthly Factor Rate** Annual Effective Interest Rate***
    3 1.00% 19.46%
    6 1.00% 22.29%
    12 1.00% 23.70%
    24 1.00% 23.84%

    *The Term in this table refers to the number of months that you will be paying for the Principal Amount and the applicable monthly interest. The Term does not include the period covered by the first statement of account (period covered by the initial interest).

    **The Converted Monthly Factor Rate (CMFR) is presented as a guide that can be used to derive the Monthly Installment Due (principal plus interest).

    ***The computation of Annual Effective Interest Rate includes a Processing Fee of Two Hundred Fifty Pesos (Php 250).

    NOTE: THE EFFECTIVE INTEREST RATES (EIR) IN THE EXAMPLE ABOVE ARE BASED ON INTEREST COMPUTED ON A FIXED 30-DAY PERIOD PER MONTH. THE ACTUAL EIR OF THE INSTALLMENT TRANSACTION MAY BE HIGHER OR LOWER AS THIS INCLUDES THE INITIAL INTEREST AND THE PROCESSING FEE.

  9. If your Citi PayLite after purchase request is approved, you shall be charged a non-refundable Processing Fee of Two Hundred Fifty Pesos (Php 250) for each Citi PayLite after purchase Transaction.
  10. We will charge the interest rate and/or fees as disclosed at the date of availing the Installment Transactions which shall be applicable during its entire Term and no additional fees and interest will be charged for this Installment Transaction, ONLY if you pay in full the Total Amount Due of your SOA by the Payment Due Date every month until you have paid all installments. However, if you pay (or had paid) an amount that is:
    (i) equal to or greater than the Minimum Amount Due but less than the Total Amount Due indicated in your current (or previous) SOA, the billed portion of the Principal Amount of your MID in your current SOA will be subject to the prevailing monthly retail interest charge from one day after Statement Date to one day before payment date. Interest will be compounded on a monthly basis.
    (ii) less than the Minimum Amount Due as reflected in your current (or previous) monthly SOA, the billed portion of the Principal Amount of your MID will be subject to the prevailing monthly retail interest charge from one day after Statement Date to one day before payment date and additionally any unpaid portion of the billed portion of the Principal Amount of your MID will also be subject to the prevailing monthly retail interest charge from the payment date to the next Statement Date. Interest will be compounded on a monthly basis. Usual Late Charges will also apply. The above is subject to the terms of our Citi Card Agreement.

    Illustration
    This illustration focuses on Citi PayLite after purchase Installment Transaction of Fifty Thousand Pesos (Php 50,000) for twelve (12) months and straight retail transaction of Five Thousand Pesos (Php 5,000), assuming you have paid the MAD on the Payment Due Date.

    Statement Date January 4
    Payment Due Date January 21
    Billed MID
    Principal Portion
    Interest Portion
    Php 4,667.67
    Php 3,772.62
    Php 894.05
    Billed Straight Retail Transactions Php 5,000.00
    MAD specified in the Statement of Account
    Billed MID plus 1% of the Billed Straight Retail Transactions (Php 4,667.67 + Php 50)
    Php 4,717.67
    Total Amount Due Php 9,667.67
    Payment made on January 21 (equivalent to MAD) Php 4,717.67
    Retail interest rate as set out in the Statement of Account 2% per month
    [A] Interest charged on the Principal Portion of your billed MID (Php 3,772.62) + straight retail transactions (Php 5,000.00) from 1 day after current statement date to 1 day before payment date (sixteen [16] days) at a retail interest rate of 2% per month Php 93.57
    [B] Interest charged on the Unpaid Portion of the Total Amount Due (Php 4,950.00) from payment date to next statement date (January 21 to February 1 = twelve [12] days) Php 39.60
    Next Statement Date February 1
    Total interest charged in February 1 Statement
    [A] + [B]
    Php 133.17
  11. If your Card account is past due for sixty (60) days or more, the Installment Transaction will be cancelled. Any remaining unpaid balance will be billed to the Card account in full and will be subject to the prevailing monthly retail interest Charge. Please refer to the Citi Card Fees and Charges for the prevailing rates, fees and charges at www.citibank.com.ph/cardsrandf.

  12. If you wish to cancel an Installment Transaction before its Term ends, you may do so without a prepayment penalty. In that case, you agree to pay in full the unpaid portion of the Principal Amount and the cancellation processing fee equivalent to Three Hundred Pesos (Php 300), plus accrued interest charges on the cancelled Installment Transaction from the last statement date until the date of cancellation.

    The accrued interest is calculated by multiplying (i) the remaining unbilled portion of the Principal Amount, (ii) the applicable monthly EIR [computed as set out above] and (iii) the number of days from the last statement date to the date of cancellation; and dividing the total by thirty (30) days.

    In case of promotions where we give you a premium item/s (which include promotional items, Usage Privileges, etc.), we may charge the full monetary equivalent of the premium item should you cancel the Installment Transaction.

  13. Below is a sample repayment schedule.

    CITI PAYLITE AFTER PURCHASE REPAYMENT SCHEDULE

    PRINCIPAL AMOUNT Php 10,000 TERM 12 MONTHS
    CONVERTED MONTHLY FACTOR RATE 1% ANNUAL EIR 28.95%
    APPROVAL DATE 1/1/2020 NEXT STATEMENT DATE 1/31/2020
    PROCESSING FEE Php 250
    INSTALLMENT PERIOD PAYLITE AFTER PURCHASE AMOUNT (Php) MONTHLY INSTALLMENT DUE (Php) INTEREST COMPONENT (Php) PRINCIPAL COMPONENT (Php) OUTSTANDING PRINCIPAL BALANCE (Php)
    10,000.00
    0 178.81
    1 933.33 178.81 754.52 9,245.48
    2 933.33 165.32 768.02 8,477.46
    3 933.33 151.59 781.75 7,695.71
    4 933.33 137.61 795.73 6,899.99
    5 933.33 123.38 809.95 6,090.03
    6 933.33 108.90 824.44 5,265.60
    7 933.33 94.15 839.18 4,426.42
    8 933.33 79.15 854.18 3,572.23
    9 933.33 63.88 869.46 2,702.77
    10 933.33 48.33 885.01 1,817.77
    11 933.33 32.50 900.83 916.94
    12 933.33 16.40 916.94 0.00
  14. You acknowledge that your Installment Transaction will be maintained for the Term stated in the offers/communication materials, disclosure statement and/or other documents furnished to you and that we have already incurred cost of funds and committed yield to fund sources which finance the Installment Transaction. In case you pre-pay any Installment Transaction before the lapse of the Term, you agree to reimburse us for any loss or additional cost, including but not limited to processing the pre-payment.
  15. In case of (a) any change in law or regulations which gives rise to new additional taxes, higher reserve requirements or similar events, or (b) significant change in the economic environment, we may adjust any applicable charges and Installment interest even before the Term expires.
  16. Please be advised that by clicking/tapping the button, agreeing over the phone and availing of Citi PayLite after purchase through your Citi credit card/s, you are providing your explicit consent to Union Bank of the Philippines’ Data Privacy Terms (Consent for Processing, Profiling and Sharing of Data and Information and Data Privacy Statement) and to the updated Citi Card Agreement and the Citi Card Fees and Charges.  For the full Consent and the Data Privacy Statement and latest version of the Citi Card Agreement and the Citi Card Fees and Charges, please go to www.citibank.com.ph/global_docs/pdf/cardstandc.pdf.
  17. Please be advised that even if you have not yet activated your card, your request for Citi PayLite after purchase may still be processed. To activate your card, download the Citi Mobile App at http://citi.asia/2feYNSR or you may also visit https://www.citibank.com.ph/mobilebanking/card-activation.html.
  18. All Installment Transactions are subject to the Citi Card Agreement and all related provisions of the Citi Installment Facilities.
  19. These Terms and Conditions should be read together with the Citi Card Agreement, to produce a result that is harmonious and consistent. In the event of any inconsistency or conflict between the provisions of these Terms and Conditions and the Citi Card Agreement, these Terms and Conditions shall prevail in relation to the Principal Amount applied under the Facility.

SUMMARY SCHEDULE OF FEES AND CHARGES

Processing Fee Php 250 for each approved transaction
Cancellation Processing Fee Php 300
Monthly Late Charge Php 1,500 or the unpaid Minimum Amount Due, whichever is lower. Late Charges do not apply to Citi Simplicity+.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph. This bank is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

Please read these provisions (the “Consent”) on UnionBank Processing, Profiling and Sharing of Data and Information thoroughly. UnionBank’s Data Privacy Statement (“Data Statement”) can be viewed online at www.citibank.com.ph/DataPrivacyStatement.

You understand and agree that UnionBank at any time, may implement necessary reference checks including, but not limited to, credit reporting/reference agencies, the credit bureau, and/or any other financial institution to enable Citi/UnionBank to ascertain your status, in helping the Bank at arriving at a decision in applications, if any, where your account is linked or related to our credit-related products or facilities.

For your complaints/concerns, we will endeavor to resolve these within seven (7) business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.

Citibank, N.A., Philippine Branch has transferred ownership of its consumer banking business to Union Bank of the Philippines. The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trademarks and derivations thereof are used temporarily under license by Union Bank of the Philippines from Citigroup, Inc. and related group entities.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph. This bank is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

 

For your complaints/concerns, we will endeavor to resolve these within seven (7) business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.