• Enjoy more flexibility with a Fixed Payment Option,
    exclusive to eligible credit card holders

    GET UP TO $150 CASHBACK1

    Apply for a Fixed Payment Option by 31 May 2017 and for every $5,000 requested, you will receive $50 cashback up to $1501
    See full T&Cs below

Access cash up to your available credit limit or convert recent purchases to a lower rate*.

You choose the term of 1, 2 or 3 years with fixed monthly instalments. Log in to see if you're eligible for a low rate*.
SCROLL FOR MORE

WHAT CAN I USE A FIXED PAYMENT OPTION FOR?

You can use a Fixed Payment Option for just about any situation, it's completely up to you.
It's available online (if eligible), using your existing Citi Credit Card.

  • Travel

    Travel

  • Electrical Goods

    Electrical
    Goods

  • Emergencies

    Emergencies

  • Home Renovations

    Home
    Renovations

  • Everyday Expenses

    Everyday
    Expenses

HOW DOES IT BENEFIT ME?

  • SAVE ON INTREST

    SAVE ON
    INTEREST >>

  • BUDGET BETTER

    BUDGET BETTER >>

  • FLEXIBILITY

    FLEXIBILITY >>

  • AVAILABLE ONLINE*

    AVAILABLE ONLINE* >>

  • STILL ENJOY INTEREST FREE DAYS ON OTHER PURCHASES

    STILL ENJOY
    INTEREST FREE DAYS
    ON OTHER PURCHASES >>

THE FIXED PAYMENT OPTION WORKS IN TWO WAYS

    • Convert a purchase

      Convert a purchase

      Do you want to pay off a recent or
      future purchase at a lower rate?

      Make or select a purchase (or combine up to 5 purchases) made on your Citi Credit Card. Each purchase must be $500 or more and must not have appeared on your statement yet.

      Step 1/3

    • Convert a purchase

      Convert a purchase

      Log in to Citibank Online and
      convert your purchase(s) of $500
      or more to a Fixed Payment
      Option for 1, 2 or 3 years.

      View the demo below

      Step 2/3

    • Convert a purchase

      Convert a purchase

      An additional section is added to your statement called Fixed Payment Option Summary, which will outline the details of your Fixed Payment Option(s) including your monthly instalment amount.

      You can check the status of your Fixed Payment Option at anytime by logging into Citibank Online Citibank Online.

      Please note, if a monthly instalment isn't made by the Payment Due Date, the instalment amount will be charged at the standard Annual Percentage Rate.

      Step 3/3

  • or to ACCESS CASH
    • Access Cash

      Access Cash

      Do you need extra cash? Now or
      for a rainy day?

      Choose any amount from $500 up to your available credit limit on your Citi Credit Card to use on whatever you like.

      Step 1/3

    • Access Cash

      Access Cash

      Log in to Citibank Online and request an
      amount of $500 or more to a Fixed
      Payment Option for 1, 2 or 3 years. The
      amount will be sent to you as a cheque.

      View the demo below

      Step 2/3

    • Access Cash

      Access Cash

      An additional section is added to your statement called Fixed Payment Option Summary, which will outline the details of your Fixed Payment Option(s) including your monthly instalment amount.

      You can check the status of your Fixed Payment Option at anytime by logging into Citibank Online Citibank Online.

      Please note, if a monthly instalment isn't made by the Payment Due Date, the instalment amount will be charged at the standard Annual Percentage Rate.

      Step 3/3

HOW MUCH WILL I BE PAYING EACH MONTH?

  • HOW MUCH WILL I BE PAYING EACH MONTH?

    1. ENTER RATE: % p.a.

    2. SLIDE THE CARD TO YOUR CHOSEN AMOUNT

    $500 $60,000
    AMOUNT:

    3.SELECT YOUR REPAYMENT TERM

  • YOUR FIXED PAYMENT OPTION
    MONTHLY REPAYMENTS WILL BE:

    The calculator above shows the fixed monthly repayment amounts at 12.99% p.a. over 1 year, for varying amounts. Assumes minimum instalments are made by the payment due date each month. Does not take into account other purchases and cash advances subject to interest at the standard variable rates.

    Please note, if a monthly instalment isn't made by the Payment Due Date, the instalment amount will be charged at the standard Annual Percentage Rate.

*The Fixed Payment Option is subject to eligibility. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

1. This cashback offer applies to approved Fixed Payment Option requests (either cash requests or retail transaction conversions) (FPO) that are:
i. For a 24 or 36 month term
ii. Requested between 28 March 2017 to 31 May 2017.
iii. Requested online via Citibank Online or via eDM invitation.
iv. A minimum of $5,000. Requests of:
$5,000 will receive $50 cashback,
$10,000 will receive $100 cashback
$15,000 will receive $150 cashback

The cashback amount is a maximum $150 per customer. If you make multiple FPO requests between 28 March 2017 and 31 May 2017, only your first eligible FPO will receive the cashback. The cashback will be paid into your account by 31 July 2017. In order to receive the cashback, you must ensure that: (a) your existing accounts remain in good order at the time the cashback is processed and (b) your FPO is active (i.e. not cancelled or paid out) before 31 July 2017.

^The maximum interest free period applies when you pay your closing balance off in full, less any Fixed Payment Option (FPO) amount, for two consecutive months by the payment due date. If you carry a balance on your credit card from month to month (exclusive of the FPO amount), the interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances and Balance Transfers.

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