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Light and easy payments with
Citi PayLite® Installment Plan

Robinsons Appliances
Get up to 35% off at Robinsons Appliances.
  • Valid on selected items at participating outlets.
  • Enjoy easy and lighter payments for 12 or 24 months.
  • Promo is until December 31, 2022.
Get the newest iPhone 14 at Power Mac Center and The Loop with 0% Citi PayLite for 24 months and enjoy an additional 8.5% instant discount.
Get the newest iPhone 14 at Power Mac Center and The Loop with 0% Citi PayLite for 24 months and enjoy an additional 8.5% instant discount.
  • Enjoy 0% Citi PayLite up to 36 months valid for other devices available at Power Mac Center at SRP.
  • Promo is until October 31, 2022.
  • Valid at participating Power Mac Center and The Loop outlets.
Get as much as P1,800 FREE eGCs with 0% Citi PayLite.
Get as much as P1,800 FREE eGCs with 0% Citi PayLite.
  • Get a P100 eGC for every minimum single-receipt 0% Citi PayLite spend of P3,000 to P24,999.99.
  • Get P1,800 eGCs for every minimum single-receipt 0% Citi PayLite spend of P25,000 and up.
  • Promo is until Nov 23, 2022.
Up to P7,000 instant discount at over 355 outlets.
Up to P7,000 instant discount at over 355 outlets.
  • Valid on select phones and gadgets at participating outlets.
  • Easy monthly installments up to 24 months.
  • Promo is until September 30, 2022.
FREE CW Gift Certificates with Citi PayLite.
FREE CW Gift Certificates with
0% Citi PayLite.
  • Get P1,000 eGCs for a minimum single-receipt 0% Citi PayLite spend of P25,000.
  • Get P2,000 eGCs for a minimum single-receipt 0% Citi PayLite spend of P50,000.
  • Promo is from November 1 to December 30, 2022.
FREE Promate Earbuds with Citi PayLite.
FREE Promate Earbuds with
0% Citi PayLite.
  • Get FREE Promate Trueblue or Charism Earbuds for every minimum single-receipt 0% Citi PayLite spend of P50,000.
  • Valid at participating outlets.
  • Promo is from September 30 to October 31, 2022.
Freebies worth P3,100 with Belo and Citi PayLite.
Freebies worth P3,100 with Belo and Citi PayLite.
  • Free Smart Tone Broad-Spectrum SPF 50 (Travel Size) and cosmetic pouches.
  • Valid for every minimum single-receipt Citi PayLite spend of P50,000.
  • Promo is until August 31, 2022.
Up to 25% off at Anson’s with Citi PayLite up to 24 months.
Up to 25% off at Anson’s with
0% Citi PayLite up to 24 months.
  • Valid on selected items purchased with 0% Citi PayLite up to 24 months.
  • Valid at participating stores.
  • Promo is from October 15 to December 31, 2022.
Enjoy Citi PayLite up to 6 Months at all SM Stores outlets.
Enjoy Citi PayLite up to 6 Months at all SM Stores outlets.
  • Valid for in-store transactions.
  • Promo is until September 30, 2022.

Visit us regularly for the updated list of merchants

  • Swipe your Citi credit card at participating merchants

    Swipe your Citi credit card at participating merchants.

  • Sign the Citi PayLite charge slip to acknowledge the terms and conditions

    Sign the Citi PayLite charge slip to acknowledge the terms and conditions and proceed with the request to convert to installments, which is subject to Citibank's approval.

  • You will receive an SMS regarding the outcome of your request for conversion to Citi PayLite

    You will receive an SMS regarding the outcome of your request for conversion to Citi PayLite.

For purchases made on or before Jan 5, 2021 you may view Terms and Conditions here.

CITI PAYLITE INSTALLMENT PLAN TERMS AND CONDITIONS

In these terms and conditions of the Citi PayLite Installment Plan (“Terms and Conditions”), “Card” means all credit cards issued by us, Citibank, N.A. (Philippine Branch) (also referred to as “we”, “our”, or “us”), while “you” refers to the Cardholders whose Citi credit cards have been locally issued by us (“Cardholder”), and which are active and in good credit standing.

By availing of the Citi PayLite Installment Plan, 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; these can be viewed at www.citibank.com.ph/global_docs/pdf/cardstandc.pdf.

  1. The Citi PayLite Installment Plan (which includes Citi PayLite NOW, formerly 0% Citi PayLite, and Citi PayLite with Converted Monthly Factor Rate [“CMFR”], formerly Regular PayLite) is an Installment facility available to Citi Cardholders for purchases of select goods and services at accredited Citi PayLite merchants (“Merchants”) in the Philippines, using the Citi credit card. It is subject to approval based on the available Relationship Limit or Account Credit Limit / Spend Limit, as applicable, at the time of purchase.

    Under the Citi PayLite Installment Plan, the Citi Cardholder can pay for the purchase amount (“Principal Amount”), together with applicable interest and other fees, if any, in equal monthly installments (“Installment Transaction”) for the term (“Term”). The equal monthly installments will, after the Merchant submits the transaction for settlement (“Posting Date”), be billed to the Credit Card Statement of Account every month until the end of the Term.

  2. The Citi PayLite Installment Plan is available for single-receipt purchases of at least P3,000 or such other amount as may be determined by Citibank from time to time.

  3. You may pay for your purchases via the Citi PayLite Installment Plan at 3, 6, 9, 12, 18, 24 and 36-month terms or as otherwise specified by the Merchant offering the Citi PayLite Installment Plan.

  4. The Monthly Installment Due will be billed and reflected on your Statement of Account after the Posting Date as [Merchant Name (001:00x)] and so forth.

    You may compute the monthly installment due (“Monthly Installment Due”) 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 Monthly Installment Due of your Installment Transaction will be included in the Minimum Amount Due in your Statement of Account until the end of the Term of the Installment Transaction.

  5. Citi PayLite NOW

    (a) The Monthly Installment Due of your Citi PayLite NOW Installment Transaction comprises the billed Principal of your Installment Transaction.

    (b) 1% of the billed MID and 1% of the unbilled Principal of your Citi PayLite NOW Installment Transaction will be included in the Minimum Amount Due in your SOA until the end of the Term of the Installment Transaction.

    (c) We will charge the interest rate and/or fees, if any, as disclosed at the date of availing the installment transaction which shall be applicable during its entire Term. No additional fees and interest will be charged for this Installment Transaction , ONLY if we receive (or had received) payment in full of the Total Amount Due stated on your monthly Statement of Account by the payment due date every month until you have paid all installments.

    However, if we did not receive the full payment of the Total Amount Due as indicated in your current or previous monthly statement of account, (i)the billed monthly installment due in the current statement, and (ii)any unpaid portion of any previous monthly installment(s) due in your current Statement of Account will be subject to daily interest at the Retail Interest Rate as set out in the statement of account. This daily interest on the installment will be charged from one day after statement date until:

    1. one day before the payment date of the installment transaction, if you pay the Total Amount Due on or before the payment due date OR

    2. the date you pay the full Total Amount Due after the Payment Due Date.

  6. Interest will be compounded on a monthly basis.

    The Citi PayLite NOW Transaction will take more than the scheduled Term to pay off in full if only the minimum amount due is paid. In addition, if we do not receive the full payment of the Minimum Amount Due by the Payment Due Date, you must also pay the applicable Monthly Late Charge. The prevailing interest rate, fees and charges are available at www.citibank.com.ph/cardsrandf.

  7. Citi PayLite with CMFR

    (a) Purchases availed under the Citi PayLite with CMFR Installment Plan will be subject to the prevailing Citi PayLite Converted Monthly Factor rates (“CMFR”), which may change from time to time. The applicable CMFR at booking may also vary from time to time and for each Merchant. To check the CMFR, you should inquire about the Citi PayLite terms of your chosen Merchant before availing.

    (b) Your availment of the Citi PayLite with CMFR means you agree to pay us interest on the Principal Amount on the dates specified in the Statement of Account at the applicable CMFR with a corresponding effective interest rate per annum based on the outstanding principal balance and the Term as follows:

    RATES BELOW ARE SUBJECT TO CHANGE IN LINE
    WITH SPECIAL PROMOTIONAL OFFERINGS

    CITI PAYLITE WITH CMFR CONVERTED MONTHLY FACTOR RATES
    Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
    3 months 1.00% 19.46%
    6 months 1.00% 22.29%
    9 months 1.00% 23.28%
    12 months 1.00% 23.70%
    18 months 1.00% 23.92%
    24 months 1.00% 23.84%
    SPECIAL CONVERTED MONTHLY FACTOR RATES FOR SELECT AUTO, HOME IMPROVEMENT, HOSPITAL/MEDICAL, SCHOOLS & TRAVEL AGENCIES
    Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
    3 months 1.00% 19.46%
    6 months 1.00% 22.29%
    9 months 0.75% 17.13%
    12 months 0.75% 17.48%
    18 months 0.75% 17.71%
    24 months 0.75% 17.72%
    SPECIAL CONVERTED MONTHLY FACTOR RATES FOR MARIE FRANCE, FACIAL CARE CENTER AND SVENSON
    Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
    3 months 0.75% 14.31%
    6 months 0.75% 16.38%
    9 months 0.75% 17.13%
    12 months 0.75% 17.48%
    18 months 0.75% 17.71%
    24 months 0.75% 17.72%

    *The Converted Monthly Factor Rate is presented as a guide that you can use to derive the Monthly Installment Due (principal plus interest).
    **The Effective Interest Rates (EIR) above are based on interest computed on a fixed 30-day period per month. The actual EIR may be higher or lower as the interest portion of your first Monthly Installment Due is computed based on the actual number of days between the approval date and one day before the Statement Date, which may be more or less than 30 days, depending on the Posting Date of the transaction.

    (c) The Monthly Installment Due of your Citi PayLite with CMFR 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 Installment Due vary each month and are computed as follows:

    • Interest component:

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

    • Principal portion:

    Monthly Installment Due - interest component for the month.

    The interest charge on the first Monthly Installment Due is computed based on the number of days between the approval date of the Installment Transaction and the Statement Date following the Posting Date; the Statement Date is the date when your Statement of Account is generated after each billing cycle. The interest on succeeding Monthly Installments Due is computed based on a fixed 30-day period. This will result in the first Monthly Installment Due being different from succeeding subsequent ones.

    Citi PayLite with CMFR Installment Plan Sample Schedule of Payment
    PRINCIPAL AMOUNT P10,000 TERM 12 MONTHS
    CONVERTED MONTHLY FACTOR RATE 1.00% EIR 23.70%
    MONTH MONTHLY INSTALLMENT DUE (P) INTEREST COMPONENT (P) PRINCIPAL COMPONENT (P) OUTSTANDING PRINCIPAL BALANCE (P)
            10,000.00
    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

    (d) We will charge the interest rate and /or fees as disclosed at the date of availing the Installment Transaction which shall be applicable during its entire Term. No additional fees and interest will be charged for this Installment Transaction, ONLY if you pay in full the Total Amount Due of your Statement of Account by the Payment Due Date every month until you have paid all installments. However, if you pay (or had paid) an amount that is:

    1. equal to or greater than the Minimum Amount Due but less than the Total Amount Due indicated in your current (or previous) Statement of Account, the billed Monthly Installment Due in your current Statement of Account will be subject to the prevailing monthly retail Interest charge from Statement Date to one day before payment date. Interest will be compounded on a monthly basis.

    2. less than the Minimum Amount Due as reflected in your current (or previous) monthly Statement of Account, the Monthly Installment Due will be subject to the prevailing monthly retail interest charge from Statement Date to one day before payment date and additionally any unpaid portion of the Monthly Installment Due will also be subject to the prevailing monthly retail interest charge from the payment date to the next statement date. Usual Late Charges will also apply. The prevailing interest rate, fees and charges are available at www.citibank.com.ph/cardsrandf.

  8. If the Card account is past due for 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 at www.citibank.com.ph/cardsrandf for the prevailing rates, fees and charges.

  9. You acknowledge that your Installment Transaction will be maintained for the Term stated on the charge slip, Promo consent form, Promo microsite or confirmation SMS or any other documents or records that may have been furnished to you, and that we have already incurred cost of funds and committed yield to fund sources to finance the Installment Transaction.

  10. If you wish to cancel an Installment Transaction before its Term ends, you may do so, without a prepayment penalty, by calling CitiPhone. In that case, you agree to pay in full the unpaid portion of the Principal Amount and the cancellation processing fee of P300, plus, for Citi PayLite with CMFR Installment Transactions, the pro-rated Interest Charge on the cancelled Installment Transaction computed based on the actual number of days from the last Statement Date until the date of cancellation. The pro-rated interest is calculated by multiplying (i) the remaining unbilled portion of the Principal Amount, (ii) the applicable monthly EIR, and (iii) the number of days from the last Statement Date to the date of cancellation; and dividing the total by 30 days.

    APPLICABLE FEES AND CHARGES:

    Cancellation Processing Fee = P300

  11. 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.

  12. Upon your availment, we already pay for the goods or services in full. In the event that a Citi PayLite merchant from whom you purchased the goods or services for future delivery ceases to operate, you will still be liable to pay for all unpaid Monthly Installment Dues.

  13. If you wish to request for a refund from the Merchant, the standard refund process of the Merchant will apply. There will be no change to the Installment Transaction under the facility, and the Monthly Installments Due will continue to be billed to you for the Term. The amount to be refunded by the Merchant will be credited back to the Card. Once the refund is completed, you must cancel the Installment Transaction by calling CitiPhone at 8995-9999 between 8am to 9pm daily.

  14. Any disputes on your Installment Transaction should be directed to the corresponding Merchant. You must also send the signed and completed Cardholder Dispute Form (available via Citibank Online at www.citibank.com.ph or by calling CitiPhone) and any supporting documents via email to dispute.ph@citi.com within thirty (30) days from the date of the Statement of Account in which the disputed Installment Transaction is first reflected.

  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 availing of Citi PayLite Installment Plan through your Citi credit card/s, you are providing your explicit consent to Citi’s 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.

  17. 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 these Terms and Conditions and the Citi Card Agreement, these Terms and Conditions will prevail in relation to the Installment Transaction applied under the Facility.

  18. These Citi PayLite Installment Plan Terms and Conditions supersede the provisions on Citi PayLite under the Installment Facilities section of the Citi Card Agreement.

For any concerns, you may call us at (632) 8995-9999(632) 8995-9999 or send us a message through www.citibank.com.ph.

Citibank, N.A. Philippine Branch is regulated by the Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

For your complaints/concerns, we will endeavor to resolve these within 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 with effect from August 1, 2022. 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.


CITI PAYLITE ENABLED BY GLOBAL PAYMENTS TERMS AND CONDITIONS

In these Terms and Conditions of the Citi PayLite enabled by Global Payments Program, or its successor facility ("Program"), "Card" means all credit cards issued by us, Citibank, N.A. (Philippine Branch) or its successor and assign, UnionBank of the Philippines (hereafter, all references to Citibank, N.A. Philippine Branch is understood to be references to UnionBank of the Philippines), also referred to as "we", "our", "us" or "Citi"), while "you" refers to Cardholders whose Citi credit cards have been locally issued by us ("Cardholder"), and which are active and in good credit standing.

By availing of Citi PayLite enabled by Global Payments, 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; these can be viewed at www.citibank.com.ph/global_docs/pdf/cardstandc.pdf

  1. CITI PAYLITE ENABLED BY GLOBAL PAYMENTS is an Installment facility available to Citi Cardholders for purchases at participating merchants which meet the required minimum purchase amount per tenor. It is subject to approval based on the available Relationship Limit or Account Credit Limit / Spend Limit, as applicable, at the time of purchase and conversion.
  2. Under the Program, the straight single-receipt transaction at the participating merchants ("Merchants") using the Citi credit card shall, after the Merchant submits the transaction for settlement ("Conversion Date"), be submitted for conversion to an Installment Transaction ("Installment Transaction"). If the conversion to an Installment Transaction is approved, the Citi Cardholder can pay for the purchase amount ("Principal Amount") in equal monthly installments which will be billed to the credit card Statement of Account every month until the end of the term indicated in the charge slip. Otherwise, the straight single-receipt transaction will be billed in full in the next statement of account.
    To view the participating merchants, please visit www.citibank.com.ph/gppaylite
  3. The Program is available for single-receipt purchases of at least Php3,000 or such other amount as may be determined by Citibank and the Merchants from time to time. To view the participating merchants, please visit www.citibank.com.ph/gppaylite
  4. Upon your instruction to the Merchant that you would like to avail of the Program, the Merchant will swipe your Citi credit card for the purchase amount at the pre-identified Global Payments terminal. If determined to be qualified, the charge slip will reflect the details of the Installment Transaction you requested (term and monthly installment amount), and your agreement to the terms and conditions of the Program.

    (a) Once the transaction has been verified and converted to an Installment Transaction, you will receive a confirmation SMS.

    (b) If your transaction is not successfully converted to an Installment Transaction, you will receive a rejection SMS and the purchase amount will reflect on your statement as a straight transaction.

  5. The Monthly Installments Due will be billed and reflected on your Statement of Account after the Conversion Date as [Merchant Name (001:00x)] and so forth.

    You may compute the Monthly Installment Due ("MID") using the following formula:

    Principal Amount

    --------------------------------------------------------------------------------------------------------

    Term

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


    Citi PayLite Process illustration:

    Principal Amount = PHP15,000.00

    Term: Three (3) months

      Monthly Installment Due Unbilled Installment Amount
    Month 1 PHP 5,000.00 PHP 10,000.00
    Month 2 PHP 5,000.00 PHP 5,000.00
    Month 3 PHP 5,000.00 PHP 0
  6. One percent of the billed MID will be included in the Minimum Amount Due ("MAD") in your SOA and one percent (1%) of the unbilled portion of the Principal Amount of your Citi PayLite Transaction will be part of the calculation of your MAD in your SOA until the end of the Term of your Citi PayLite Transaction. To know more about how your Minimum Amount Due is calculated visit www.citibank.com.ph/mindue.
  7. We will charge the interest rate and /or fees as disclosed at the date of availing the Installment Transaction which shall be applicable during its entire Term and no additional fees and interest will be charged for this Installment Transaction, ONLY if we receive (or had received) payment in full of the Total Amount Due stated on your monthly SOA by the Payment Due Date every month until you have paid all installments.

  8. If we did not receive the full payment of the Total Amount Due as indicated in your current or previous monthly Statement of Account, (i) the billed Monthly Installment Due in the current Statement, and (ii) any unpaid portion of any previous Monthly Installment(s) Due in your current Statement of Account will be subject to daily interest at the Retail Interest Rate as set out in the Statement of Account. This daily interest on the Installment Transaction will be charged from one day after Statement Date until:

    (a) one day before the payment date of the Installment Transaction, if you pay the full Total Amount Due on or before the Payment Due Date, OR

    (b) the date you pay the full Total Amount Due after the Payment Due Date.

    Interest will be compounded on a monthly basis.

    The Citi PayLite Transaction will take more than the scheduled Term to pay off in full if only the Minimum Amount Due is paid. In addition, if we do not receive the full payment of the Minimum Amount Due by the Payment Due Date, you must also pay the applicable Monthly Late Charge.
    The prevailing interest rate, fees and charges are available at www.citibank.com.ph/cardsrandf.

    Below is an illustration on the retail interest charge on the billed Monthly Installment Due if you do not make a full payment of the Total Amount Due by the Payment Due Date.

    (Important: Please note the example below is for illustrative purposes. The only transaction in this statement is the Citi PayLite NOW transaction.)

    Statement Date July 1, 2021
    Payment Due Date July 22, 2021
    Billed MID of your Citi PayLite NOW installment transaction P10,000
    Retail Interest Rate as set out in the statement of account 2% per month
    MAD stated in the statement of account P500
    Payment made on July 22, 2021 P500
    Interest charged on the billed MID (P10,000) from one day after current statement date up to one day before payment date (July 2 to 21, 2021) at the retail interest rate of two percent (2%) per month P133.33
    Remaining unpaid portion of the billed MID P9,500
    Interest charged on the unpaid portion of the billed MID (P9,500) from payment date until the next statement date (July 22 to Aug 1, 2021) at the retail interest rate of two percent (2%)
    per month
    P69.67
    Total interest payable in the Aug 2021 statement (which is due on Aug 22, 2021) P203.00
  9. In addition, if the 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 at www.citibank.com.ph/cardsrandf for the prevailing rates, fees and charges.
  10. Citi is entitled to apply and appropriate payments received in such manner or order of priority as it deems fit, notwithstanding any specific instruction from you or any third party. You may view the payment hierarchy in the Cards Payments Section of the Citi Card Agreement at www.citibank.com.ph/cardsrandf.
  11. Rewards Points, rebates, and PremierMiles ("Usage Privileges"), or their successor programs, earned from the straight single-receipt transaction/s converted under the Program will be deducted from the Card account upon conversion, and will be credited back monthly in such amounts corresponding to the Monthly Installment Due billed.
  12. You acknowledge that your Installment Transaction will be maintained for the Term stated on the charge slip or any other documents that may have been furnished to you, and that we have already incurred cost of funds and committed yield to fund sources to finance the Installment Transaction.
  13. If you wish to cancel an Installment Transaction before its Term ends, you may do so, without a prepayment penalty, by calling CitiPhone or its successor telephone service number. In that case, you agree to pay in full the unpaid portion of the Principal Amount and the cancellation processing fee of Php300.
  14. 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/s should you cancel the Installment Transaction.
  15. Upon your purchase, we already pay for the goods or services in full. In the event that a Merchant from whom you purchased the goods or services for future delivery ceases to operate, you will still be liable to pay for all unpaid Monthly Installment Dues.
  16. If you wish to request for a refund from the Merchant, the standard refund process of the Merchant will apply. There will be no change to the Installment Transaction under the Program, and the Monthly Installments Due will continue to be billed to you for the Term. The amount to be refunded by the Merchant will be credited back to the Card. Once the refund is completed, you must cancel the Installment Transaction by calling CitiPhone at 8995-9999 between 8am to 9pm daily.
  17. In case of (a) any change in law or regulation which gives rise to new additional taxes, higher reserve requirements or similar events, or (b) significant change in the economic environment, we may adjust or impose any applicable charges even before the Term expires.
  18. Please be advised that by availing of the Program through your Citi credit card/s, you are providing your explicit consent to UnionBank’s Data Privacy Terms (Consent for Processing, Profiling and Sharing of Data and Information and Data Privacy Statement) and to the updated Citi Card Agreement. UnionBank’s Data Privacy Terms can be viewed online at:https://www.citibank.com.ph/static/data-privacy-statement/

    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 Installment Transaction applied under the Program.

    For more information, visit www.citibank.com.ph/gppaylite.

Citibank, N.A., Philippine Branch, has transferred ownership of its consumer banking business to Union Bank of the Philippines with effect from August 1, 2022. 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.

PayLite installments are billed to the account monthly, similar to a normal retail purchase and are subject to usual interest rate charges if you pay less than the Total Amount Due indicated on your current or previous monthly statements of account on or before the payment due date.

If your Card account is over limit, you will need to pay the Overlimit amount aside from the Minimum Amount Due.

The Citi PayLite Transaction will take more than the scheduled Term to pay off in full if only the Minimum Amount Due is paid.

It is subject to approval based on the available Relationship Limit or Account Credit Limit / Spend Limit, as applicable, at the time of purchase and conversion.

For any concerns, you may call us at (632) 8995-9999(632) 8995-9999 or send us a message through www.citibank.com.ph. Citibank, N.A. Philippine Branch is regulated by the 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.

PayLite installments are billed to the account monthly, similar to a normal retail purchase and are subject to usual interest rate charges if you pay less than the Total Amount Due indicated on your current or previous monthly statements of account on or before the payment due date.

If your Card account is over limit, you will need to pay the Overlimit amount aside from the Minimum Amount Due.

The Citi PayLite Transaction will take more than the scheduled Term to pay off in full if only the Minimum Amount Due is paid.

It is subject to approval based on the available Relationship Limit or Account Credit Limit / Spend Limit, as applicable, at the time of purchase and conversion.

For any concerns, you may call us at (632) 8995-9999(632) 8995-9999 or send us a message through www.citibank.com.ph.

Citibank, N.A. Philippine Branch is regulated by the Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

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