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-
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 |
You can convert CitiBank credit card bill to EMI using any of the three methods-
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-
Your purchase would be converted into easy EMI.
You can avail Citi credit card EMI using the Citi Mobile App by following the steps mentioned below-
Your purchase would be converted into easy EMI.
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.
The benefits of Citi Credit card EMI facility are as follows-
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.
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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.
Yes, you can convert your Citi credit card bill to EMI as long as the transaction amount is INR 2500 or above.
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.