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 with zero processing fee.

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

  • Airline tickets worth P30,000
  • Pay only P1,847 per month for 24 months

Rate Table:

Term *Converted Monthly Factor Rate **Annual Effective Interest Rate Monthly Installment
3 1.99% 41.85% P 10,597.00
6 1.99% 48% P 5,597.00
12 1.99% 50.39% P 3,097.00
24 1.99% 49.22% P 1,847.00

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

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.

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.

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 995 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 995 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 995 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 PayLite after purchase Facility ("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 select Citi Cardholders who are of good credit standing and who are eligible to avail of PayLite after purchase. By availing of 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. PayLite after purchase is an installment facility wherein select Citi Cardholders of good credit standing 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 PayLite after purchase Facility. The 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 PayLite after purchase.
  2. Where we approve a request for PayLite after purchase, the total 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 ("Cards T&C") 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 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. Rewards Points, rebates, PremierMiles, and CEB Points ("Usage Privileges") earned from the transactions applied for conversion will be deducted from the Card account upon conversion, and will be credited back monthly in such amounts corresponding to the principal portion of the Monthly Installment Due billed.
  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 30 days.

    It will be reflected on your Statement of Account as the charge on Month 0 [PayLite after Purchase or Merchant Name (000:00x)].
  7. The monthly installment due of your PayLite after purchase transaction (the "Monthly Installment Due") is included in the Minimum Amount Due in your Statement of Account until the total Principal Amount and the applicable interest are paid in full.

    You may compute the Monthly Installment Due by using the following formula:

    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.

    The Monthly Installment Due comprises interest and principal components and is computed based on diminishing balance. The interest and principal components of the Monthly Installment 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 Statement of Account from the approval date and succeeding Statements of Account as [PayLite after purchase or Merchant Name (001:00x)] and so forth.

  8. You also agree to pay us interest on the Principal Amount on the dates specified in your Statement of Account at the applicable converted monthly factor rate with a corresponding effective interest rate per annum based on the outstanding principal balance and the Term as follows:

    NOTE: THE EFFECTIVE INTEREST RATES (EIR) BELOW 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.

    Term* (Months) Converted Monthly Factor Rate** Annual Effective Interest Rate
    3 1.99% 41.85%
    6 1.99% 48%
    12 1.99% 50.39%
    24 1.99% 49.22%

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

  9. If you pay less than the Total Amount Due indicated in your Statement of Account, the unpaid portion of the Monthly Installment Due is subject to the prevailing monthly retail Interest Charge. Interest is compounded monthly. Usual Late Charges also apply.

    Furthermore, 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 for the prevailing rates, fees and charges. This can be viewed at www.citibank.com.ph.

  10. 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 Php300, 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 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.

    SUMMARY SCHEDULE OF FEES AND CHARGES

    Cancellation Processing Fee Php300
  11. Below is a sample schedule of payment.

    PAYLITE AFTER PURCHASE SAMPLE SCHEDULE OF PAYMENT

    PRINCIPAL AMOUNT Php 10,000 TERM 12 MONTHS
    CONVERTED MONTHLY FACTOR RATE 1.99% ANNUAL EIR 50.39%
    APPROVAL DATE 1/1/2018 NEXT STMT DATE 1/31/2018
    INSTALLMENT PERIOD PAYLITE AFTER PURCHASE AMOUNT (Php) MONTHLY INSTALLMENT DUE INTEREST COMPONENT (Php) PRINCIPAL COMPONENT (Php) O/S PRINCIPAL BALANCE (Php)
    10,000.00
    0 345.88
    1 1,032.33 345.88 686.45 9313.55
    2 1,032.33 322.14 710.19 8603.35
    3 1,032.33 297.57 734.76 7868.59
    4 1,032.33 272.16 760.17 7108.42
    5 1,032.33 245.87 786.47 6321.96
    6 1,032.33 218.66 813.67 5508.29
    7 1,032.33 190.52 841.81 4666.48
    8 1,032.33 161.40 870.93 3795.55
    9 1,032.33 131.28 901.05 2894.50
    10 1,032.33 100.11 932.22 1962.28
    11 1,032.33 67.87 964.46 997.82
    12 1,032.33 34.51 997.82 0.00
  12. You acknowledge that your Installment Transaction will be maintained for the Term stated in the sales slip 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.
  13. 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.
  14. Please be advised that by clicking/tapping the button, agreeing over the phone and availing of PayLite after purchase 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.  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
  15. All Installment Transactions are subject to the Citi Card Agreement and all related provisions of the Citi Installment Facilities.
  16. 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.

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

Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087 (632) 8708-7087.