• Fixed Payment Option.

    The smarter way to pay for life's essentials.
    More flexibility, a lower rate.

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

Select from the terms available and pay off in fixed Monthly Instalments. Log in to see if you're eligible for a lower rate*.
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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 at the select term of your choice.

      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 at the select term of your choice.
      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

    MONTHS:
  • YOUR FIXED PAYMENT OPTION
    MONTHLY REPAYMENTS WILL BE:

    This calculation above shows the fixed Monthly Instalment amount at 12.99% p.a. over 12 months, for varying amounts. This is the fixed Monthly Instalment required to pay off your Fixed Payment Option within your chosen term. Assumes Monthly Instalments are made by the Payment Due Date each month. Other general fees and charges are excluded. Any retail or cash balances outside the Fixed Payment Option will require monthly repayments in addition to the Monthly Instalment.

    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, account status, available credit limit and for cash requests, the available cash limit. For full Terms and Conditions of your Fixed Payment Option refer to the Credit Card Terms and Conditions and Other Important Information.

^The maximum interest free period applies when you pay your closing balance off in full, less any Fixed Payment Option 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 Fixed Payment Option amount), the interest free period does not apply and you are charged interest from the purchase date. No interest free period is available on Cash Advances or when you have Balance Transfers.

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