Get cash out of your Citi Credit Card up to your available credit limit or convert recent purchases to a lower rate*.

Whether you're booking a holiday, purchasing a car or renovating your home - enjoy the flexibility of selecting the repayment term that works for you and paying off your Fixed Payment Option amount in 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/s made on your Citi Credit Card that have not yet appeared on your statement.

      Step 1/3

    • Convert a purchase

      Convert a purchase

      Log in to Citibank Online and
      convert your purchase(s)
      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 you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the retail purchases rate from the Payment Due Date. From 27 December 2018, this will be from the day after the Payment Due Date. If your account is overdue, we reserve the right to cancel all Fixed Payment Options~.

      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 you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the retail purchases rate from the Payment Due Date. From 27 December 2018, this will be from the day after the Payment Due Date. If your account is overdue, we reserve the right to cancel all Fixed Payment Options~.

      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 you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the retail purchases rate from the Payment Due Date. From 27 December 2018, this will be from the day after the Payment Due Date. If your account is overdue, we reserve the right to cancel all Fixed Payment Options~.

*Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option amount uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. If you fail to pay the Monthly Instalment by the Payment Due Date that Monthly Instalment will be charged interest at the cash advance rate from the Payment Due Date. From 27 December 2018, this will be from the day after the Payment Due Date. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate applicable (the retail purchases rate is applicable for transaction instalment plans and statement instalment plans and the cash advance rate is applicable for cash instalment plans). For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

^The interest free period applies when you pay your full closing balance from your last statement of account by the Payment Due Date (excluding any fixed payment option balance which isn’t due for payment by that Payment Due Date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

~If your Fixed Payment Options are cancelled, the full outstanding balance of your Fixed Payment Options will also revert to:
i. the retail purchases rate for transaction Instalment plans and statement instalment plans and
ii. the cash advance rate for cash instalment plans.

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