✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from Citibank now!

Citi Credit Card EMI

If you are struggling to pay off the outstanding credit on your Citi credit card or make new purchases on your card, Citibank offers you the ease of availing EMI facility. This program allows you to convert any expenses above INR 2,500, before the due date, into flexible and easy monthly instalments.

Under the EMI program, you can avail two types of EMI-

  • Convert the outstanding credit on your Citi Credit Card into EMI Using Citi FlexiBill
  • Convert the purchases on your credit card into EMI using Citi PayLite

Key Aspects Regarding the Citi EMI Program

Citi FlexiBill- Here is everything you need to know about converting the outstanding credit on your Citi Credit Card into EMI using Citi FlexiBill

Minimum Amount

INR 2,500

Interest Rate

The Citi credit card EMI interest rate is communicated to you by the bank when you avail the service.

Tenures

6,12,24,36 or 48 months

Closure

No lock-in period, the loan can be pre-closed at any time by calling the 24-hour CitiPhone helpline

Eligibility

Citi credit card holder, no paperwork required

Fees & Charges

Transaction Fee- 2.5% of the amount converted or INR 300 (whichever higher)

Goods and Services Tax- GST charged as notified by the Government of India

Pre-closure charges- 3% on unpaid principal + relevant taxes

Citi PayLite- Here is everything you need to know about converting the purchases on your credit card into EMI using Citi PayLite

Minimum Amount

INR 2,500

Interest Rate

The Citi credit card EMI interest rate is communicated to you by the bank when you avail the service.

Tenures

6,12,24,36 or 48 months

Closure

No lock-in period, the loan can be pre-closed at any time by calling the 24-hour CitiPhone helpline

Eligibility

Citi credit card holder, no paperwork required

Fees & Charges

Transaction Fee- 2.5% of amount converted or INR 200 (whichever higher)

Goods and Services Tax- GST charged as notified by the Government of India

Pre-closure charges- 3% on unpaid principal + relevant taxes

How to Convert Citi Credit Card Bill to EMI?

You can convert CitiBank credit card bill to EMI using any of the three methods-

  1. Through Citi Net Banking Service
  2. Through Citi Mobile App
  3. Through Citi Credit Card Customer Care Helpline

1) Through Citi Net Banking Service

Once you have checked your eligibility and using the Citi credit card EMI calculator to assess the EMI amount you will be charged on your Citi card bill, you can proceed to avail the service by following the below-mentioned steps-

  • Visit the Citi Online Banking portal
  • Login using your credentials
  • View your expenses and check which transactions are eligible for EMI conversion
  • Choose the EMI tenure
  • Click on ‘Submit’

Your purchase would be converted into easy EMI.

2) Through Citi Mobile App

You can avail Citi credit card EMI using the Citi Mobile App by following the steps mentioned below-

  • Download the Citi Mobile App from Google Play or App Store
  • Choose the ‘Convert credit card transactions into EMI’ option and check for transactions that are eligible for EMI conversion
  • Select the purchase amount you wish to convert into EMI
  • Choose the EMI tenure
  • Click on ‘Submit’

Your purchase would be converted into easy EMI.

3) Through CitiPhone

You can also call the Citi Bank customer care helpline on 1860-210-2484 (for callers from across India) or +91 22 4955 2484 (For callers from outside India) from your registered mobile number, any day and at any time, and request the conversion of your expenses into EMI.

Benefits and Drawbacks of Paying Citi Credit Card Bill Using EMI

The benefits of Citi Credit card EMI facility are as follows-

  1. EMI lets you buy products which cannot be covered by your bank balance without having to think too much
  2. If you have overspent on your Citi credit card which has left you in debt with high interest rates, opting for EMI on your card balance can lower the rate of interest
  3. The EMI option will help you from defaulting by keeping the payments manageable and by preventing your CIBIL score from going down.
  4. There is no need to submit a separate application or produce a set of documents.

The drawback is that when you opt for Citi credit card EMI BillPay, the bank blocks away the amount equal to the purchase value availed on EMI on your credit card. This reduces the available credit limit on your card. However, such a block is only temporary, and your credit limit will increase again each month by the value of the EMIs you pay back.

Why Choose the Citi Credit Card from Finserv MARKETS?

There are multiple reasons to choose Finserv MARKETS to apply for Citibank Credit Cards:

Rewards & Discounts

Get some of the best rewards on Citibank Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favourite brands. Students can avail the Student credit card for more deals and offers.

One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

Stringent Security Measures

With cyber-crime a reality, your Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

Convert Purchases into EMIs

Purchases through any of the Citibank Credit Cards available at Finserv MARKETS can be converted into EMIs easily. Apply for a Citibank credit card online today.

Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashbacks and much more!

Frequently Asked Questions about Citi Credit Card EMI?

  • ✔️What is Citi PayLite?

    Citi PayLite is a special program that allows you to convert their purchases or credit card bill that is above INR 2,500 into easy monthly instalments.

  • ✔️Can we convert Citi credit card to EMI?

    Yes, you can convert your Citi credit card bill to EMI as long as the transaction amount is INR 2500 or above.

  • ✔️How does EMI work on Citi Credit Card?

    EMI lets you buy products which cannot be covered by your bank balance and lets you pay back the money in equated monthly installments over a tenure. It also helps you reduce the credit card interest rate in case you have overspent on your credit card.