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Citibank EasyPay Plan

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The Citibank EasyPay Plan (EP) is an alternative payment option wherein you can convert retail purchases made at select merchant outlets into affordable monthly instalments. You even have the flexibility to choose a repayment tenure that fits your needs.

Features of Citibank EasyPay Plan

Instalment Period Interest Rate (p.a.) Minimum Amount
3 months to 36 months 0% Starts from RM500


  • Valid for all retail purchases made at select merchant outlets.
  • Select your ideal repayment period, which typically starts from 3 months and can go up to 36 months.
  • There are no interest charges whatsoever.
  • Exercise your EP option at over 1000 merchant outlets across Malaysia.


  • All Citibank principal and supplementary cardholders can opt for the EP facility.
  • Your credit card account should be in good standing.
  • The retail transaction amount should be worth RM500 or more.

List of Credit Cards Featuring Citibank EasyPay Plan

Name of the Card
Key Benefit
Annual Fees
Interest Rates
Know More

Earn 2 PremierMiles when you spend RM3 or the equivalent of RM3 in foreign currencies when you’re overseas and at select online travel partners.


15% p.a. – 18% p.a.

Earn 2 Citi Rewards points when you spend RM1 or the equivalent of RM1 in foreign currencies and on eligible local transactions.


15% p.a. – 18% p.a.

Earn 5x Citi Rewards points on every RM1 you spend at select departmental stores, supermarkets, and hypermarkets.


15% p.a. to 18% p.a.

Earn 3x Citi Rewards points on every RM1 you spend at select places, including Borders, La Senza, Vincci, Zouk Club KL, etc.


15% p.a. – 18% p.a.

Get 10% rebate on eligible finance charges when you make all your minimum monthly payments on time.

No annual fees

15% p.a. – 18% p.a.

Get up to 10% as cashback with spends on petrol, dining, groceries, and GRAB rides.


15% p.a. – 18% p.a.

Up to 8% rebate on fuel at any Shell station in Malaysia.


15% p.a. – 18% p.a.

How Does the Citibank EasyPay Plan Work?

  • Look for merchant outlets with the ‘Citibank 0% Easy Pay’ sign.
  • Make a retail purchase worth a minimum of RM500 at any of these outlets
  • Inform the merchant of your intention to use the EP option.
  • Make the payment with your Citibank credit card.
  • The total purchase amount will be divided into monthly instalments based on the repayment tenure you choose.

How Do You Apply for the Citibank EasyPay Plan?

You can apply for Citibank’s EP option by calling the bank’s customer service team for assistance. Keep in mind to always inform the bank and the merchant outlet about your intention to convert a transaction into interest-free instalments.

You don’t have to hold yourself back from spending big on your shopping trip anymore. With the Citibank EasyPay Plan, you can enjoy guilt-free retail therapy as you can convert all your big retail spends into affordable monthly instalments.

FAQs on Citibank EasyPay Plan

Q. Am I eligible for interest-free instalments at all times?

A. No. You’re eligible for interest-free instalments with Citibank Easy Pay Plan only if you’ve settled your outstanding balance in full on or before the payment due date.

Q. What product categories can I use the EP plan for?

A. You can use the EP plan for products from the following categories:

  • Electrical appliances.
  • Shopping
  • Jewellery
  • Health and beauty products.
  • Services
  • Furniture

Q. Do I have the liberty to change my EP instalment period or the monthly instalment amount once my initial EP request is approved?

A. No. Once your initial EP request with the chosen tenure and instalment details is approved, you can’t change either of these parameters.

Q. Can I earn reward points or cash rebates on transactions that are part of the EP plan?

A. No. You won’t earn any reward points or cash rebates on transactions that are already or due to be converted to EP plans.

Q. What happens if I fail to pay the minimum monthly repayment amount on or before the due date?

A. If you fail to make or delay your minimum monthly repayment, the bank will levy finance charges on the balance amount. In the event of 3 or more consecutive default payments, the entire amount that’s due will have to be paid right away.

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