Repayment options that suit your needs, with lower interest rates and smaller installments.

Low interest and low installments.
Choose the amount that will be transferred to your non-Citibank credit card account (up to your available credit card limit).
Choose from tenor of your choice up to 48 months.
  • Balance transfer amount will be transferred directly to your beneficiary credit card account.
  • The balance transfer amount that you choose will be blocked from your existing Citi Credit Card limit and will release with each payment you make.
  • Monthly installments shall be due for payment & will appear in your next card statement after availing of the balance transfer offer.
  • The instalments from the Instalment Payment Plan are billed to the Citibank credit card account monthly similar to a normal retail purchase and are subject to usual Finance charges (fees or APR interest rate) if you pay/ had paid less than the minimum amount due indicated on your current or previous monthly statements of account on or before the payment due date

SMS 'BTF' to 2484 (CITI).

You may be required to submit the following documents:

  • Up-to-date proof of income.
  • Up-to-date proof of identity.

Calculate your installment:

Tenor in months

Reducing balance interest rate (%) p.a.

The installment amount informed to you through this calculator is a close approximation and may differ based on the day the loan is booked because calculation of interest is based on the number of days.

Warning: Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
Warning: You may have to pay penalties if you pay off a loan/financing early. Should you choose to do early-settlement or cancel your installment plan before the chosen tenor, please call Citiphone on 04-3114000 to place the request. Please note that upon early settlement, a 1% early settlement fee exclusive of VAT will be charged on the principal outstanding amount, and due interest will be charged till the date the loan is active.
Warning: If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future. Installment amount will form a part of your monthly statement and will be added to your minimum amount due. In case you pay less the minimum due the installment amount will be subject to finance charges. If you miss payment for over 60 consecutive days from the last payment made, the entire outstanding amount of loan will become part of entire card outstanding and standard interest rate as mentioned in the Schedule of Charges shall be applicable.