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Citibank FlexiPayment Plan

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Citibank Malaysia’s FlexiPayment Plan (FPP) allows you to split select retail transactions into smaller monthly instalments that you can afford. With this facility, you can buy anything with your Citi credit card without having to pay it all in one shot. This way, you’ll be able to plan your finances better.

Features of Citibank FlexiPayment Plan

Instalment Period Interest Rate (p.a.) Minimum Purchase Amount
6 months to 36 months 17.9% EIR (Effective Interest Rate) RM500

Benefits of Citibank FlexiPayment Plan

  • Convert your large retail spends into affordable monthly instalments.
  • Choose from flexible repayment periods, which typically range between six months and 36 months.
  • Monthly interest reduces progressively as you repay the principal amount.

Citibank FlexiPayment Plan Eligibility

  • Principal cardholders of select Citi credit cards can apply for this plan.
  • Your credit card account must be in good standing.
  • To convert a transaction, spend a minimum of RM500 in a single receipt.

List of Credit Cards Featuring Citibank’s FlexiPayment 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.

RM636

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.

RM1,060

15% p.a. – 18% p.a.

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

RM636

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.

RM95.40

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.

RM127.20

15% p.a. – 18% p.a.

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

RM206.70

15% p.a. – 18% p.a.

How Does the Citibank FlexiPayment Plan Work?

FPP works for all retail transactions worth a minimum of RM500. Once you’ve identified the transaction you want converted to FPP, you need to apply for conversion by calling Citibank’s customer service team. Now, you need to decide a suitable repayment tenure that fits your finances. Once your request for conversion has been approved, the purchase amount along with the interest will be split into monthly instalments. Keep in mind that the chosen transaction must not yet be billed into your statement.

How Do You Apply for Citibank’s FlexiPayment Plan?

  • Make a retail purchase worth at least RM500 with your credit card.
  • Call one of the following numbers for further assistance:
    • 03-2383 0000 (Kuala Lumpur)
    • 04-296 0000 (Penang)
    • 07-268 0000 (Johor Bahru)
    • 1800 82 1010 (Sabah & Sarawak)
  • Once your request has been approved, your first instalment will show up on your next

You no longer have to give up on all those things you’ve wanted for a long time. With Citibank’s FlexiPayment Plan, you can buy what you really need and pay for it all later as affordable monthly instalments. That’s not all. You can even choose a repayment period that fits your needs.

Citibank’s FlexiPayment Plan FAQs

Q. What is the maximum limit for retail purchases that can be converted to FPP?

A. The maximum amount is subject to the available credit limit on your credit card as well as the bank’s discretion.

Q. How many times can I apply for this plan?

A. You can apply for this plan as many times as needed as long as you satisfy all the eligibility criteria.

Q. Are there any other conversion-related conditions that I should know of?

A. Yes. The approval of your application is subject to:

  • The status of your card account.
  • The status of the transaction at the time of the conversion to the plan.
  • The discretion of the bank.

Q. Can I earn reward points while I am on this plan?

A. No. You cannot earn any reward points or cash rebates on transactions that have been converted with this plan.

Q. Can I opt for early settlement of the FPP amount?

A. Yes. You can cancel your FPP anytime or opt for early settlement of your FPP amount. However, you must pay Citibank 5% of the total outstanding principal along with the total outstanding principal under the FPP as early settlement or cancellation fees.

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