What is Citi Pay Later?

Citi Pay later program is an instalment payment plan offered by Citibank, that enables you to convert the repayment of any retail spending on goods or services made via Citi Credit Card, Citi Ready Credit Card/Account, or any supplementary card of Citibank or cash withdrawals from Citi Ready Credit account into easy instalments. By registering for Citi Pay later, you can also enjoy attractive interest rates as approved by the bank. However, this Citibank instalment plan can be availed by Citi Credit Cardholders, Citi Ready Credit Cardholders, or any other supplementary cardholders who are approved by the bank.

What are the different ways one can apply for Citi Pay Later?

Apply for Citi Pay later through the following ways:•You can send a mail or fax the complete application form to Citibank•You can apply for Citi Pay later via CitiPhone Banking•You can use Citibank Online to register for the services of Citi Pay later•You can also look for other means of registering for Citi Pay later that are specified by CitibankHowever, Citibank will have the sole discretion in approving participation in the Pay later program and in deciding the amount of conversion.

Can I pay more than the instalment amount?

Yes. However, if you have made any excess payment over the specified instalment amount billed in that month, you will not be eligible for any interest on the excess payment. The excess payment remains as a credit on your Credit Card/Ready Credit Card account and will not be adjusted against your outstanding principal, interest, and/or any other fees that are not due.

What will be the due date for the payments converted into instalments?

The due date for instalment repayment under Citi Pay later falls on the same date as the due date of your Credit Card or Ready Credit Card account. You need to pay the first instalment and interest within the due date mentioned in your Credit Card or Ready Credit Card statement for the cycle approved by the bank.

Citi Pay later

Pay Less on your Credit Card or ATM Withdrawal

Turn your Citi Credit Card spending or Citi Ready Credit ATM withdrawal into monthly installments

Turn big purchases into small installment payments

Turn any spending into installments

How much would you like to convert?

THB 1,000

1000

THB1,000

THB3,000,000

Available repayment plans

Est. 258.39 Baht /month

for 4 months

Est. 174.53 Baht /month

for 6 months

Est. 118.65 Baht /month

for 9 months

Est. 90.73 Baht /month

for 12 months

Est. 74 Baht /month

for 15 months

Est. 66.13 Baht /month

for 17 months

This monthly repayment amount is an estimation with 16% interest rate. You can visit Citi Mobile® App to see actual installments.

Turn any ATM Cash withdrawal into installments

How much would you like to convert?

THB 1,000

1000

THB1,000

THB3,000,000

Available repayment plans

Est. 52.87 Baht /month

for 24 months

Est. 36.66 Baht /month

for 36 months

Est. 29.9 Baht /month

for 48 months

The monthly repayment amount is an estimation with 24% interest rate. You can visit Citi Mobile@ App to see actual installments.

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Pay later with Citi Ready Credit

Citibank, N.A. Terms and Conditions:

For customer converting ATM Cash withdrawal with Pay later during 1 April – 30 June 2021.
Customer are required to participate in this campaign via SMS (one-time registration) by typing EPP followed by the last 12 digits of Citi Credit number (EPP XXXXXXXXXXXX) and send to 4712228 (THB3/SMS)
Receive Lotus Voucher valued THB500 when converting ATM Cash withdrawal with Pay later up to THB 80,000
Limit only one Lotus Voucher per customer, Lotus Voucher will be given to the highest spending conversion within 31 December 2022.
Citi PayLite is converting Citi Credit Card or Citi Ready Credit unbilled amount with interest charged (excluded Citi PayLite at merchants)
Citi FlexiBill is converting Citi Credit Card or Citi Ready Credit billed amount with interest charged
Online channel consisted of SMS from Citi, Citi Mobile^® Application, Login and via www.citibank.co.th
Promotion approval and interest rate is varied among individuals depending on other conditions in accordance with Citibank’s sole discretion. Citibank reserves the right for eligible Citi Ready Credit holders and participating transactions only
Citibank reserves the right to offer Lotus Voucher to customer who did SMS registration only and reserves the right not to offer Lotus Voucher to any customer who pre-terminate plan
In case of booking inquiry, please contact 02-232-4288 Mon-Fri 08:00-18:00
PCBZ36

Just a few steps to convert with Citi Mobile^® App

Citi PayLite

Convert credit card transactions before cycle cut.

Select Pay Later

Choose transactions to turn into installments

Select tenor

Confirm to convert

Citi FlexiBill

Convert statement balance into installments.

Select Pay Later

Choose transactions to turn into installments

Select amount and tenor

Confirm to convert

FAQs

What is Citi Pay Later?

Citi Pay later program is an instalment payment plan offered by Citibank, that enables you to convert the repayment of any retail spending on goods or services made via Citi Credit Card, Citi Ready Credit Card/Account, or any supplementary card of Citibank or cash withdrawals from Citi Ready Credit account into easy instalments. By registering for Citi Pay later, you can also enjoy attractive interest rates as approved by the bank. However, this Citibank instalment plan can be availed by Citi Credit Cardholders, Citi Ready Credit Cardholders, or any other supplementary cardholders who are approved by the bank.
What are the different ways one can apply for Citi Pay Later?
Apply for Citi Pay later through the following ways:

• You can send a mail or fax the complete application form to Citibank

• You can apply for Citi Pay later via CitiPhone Banking

• You can use Citibank Online to register for the services of Citi Pay later

• You can also look for other means of registering for Citi Pay later that are specified by Citibank
However, Citibank will have the sole discretion in approving participation in the Pay later program and in deciding the amount of conversion.
Can I pay more than the instalment amount?

Yes. However, if you have made any excess payment over the specified instalment amount billed in that month, you will not be eligible for any interest on the excess payment. The excess payment remains as a credit on your Credit Card/Ready Credit Card account and will not be adjusted against your outstanding principal, interest, and/or any other fees that are not due.
What will be the due date for the payments converted into instalments?

The due date for instalment repayment under Citi Pay later falls on the same date as the due date of your Credit Card or Ready Credit Card account. You need to pay the first instalment and interest within the due date mentioned in your Credit Card or Ready Credit Card statement for the cycle approved by the bank.

Turn any credit card purchases into easy installments

Citi Credit Card

Citi Ready Credit

Citi Cash Revolving Credit

Citi Personal Loan

Banking

Foreign Exchange Rates

Offshore Mutual Fund Front-end Fees

Other Service Fees

Citi Credit Cards

Citi Ready Credit

Citi Personal Loan - Affiliate Product

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CONTACT US

Citi Pay later

Pay Less on your Credit Card or ATM Withdrawal

Turn big purchases into small installment payments

Turn any spending into installments

How much would you like to convert?

Turn any ATM Cash withdrawal into installments

How much would you like to convert?

Want our representatives to call back?

Thank you for your interest

We are facing some temporary delay.

Pay later with Citi Ready Credit

Citi PayLite

Convert credit card transactions before cycle cut.

Citi FlexiBill

Convert statement balance into installments.

FAQs

FAQs

Citi Pay later

Pay Less on your Credit Card or ATM Withdrawal

Turn big purchases into small installment payments

Turn any spending into installments

How much would you like to convert?

Turn any ATM Cash withdrawal into installments

How much would you like to convert?

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Thank you for your interest

We are facing some temporary delay.

Pay later with Citi Ready Credit

Citi PayLite

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Citi FlexiBill

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FAQs

FAQs

Want our representatives to call back?

Convert credit card transactions before cycle cut.

Convert statement balance into installments.