Paylite – Citi Handlowy

Convert Now Apply for Card

You can afford more.
You can afford more. Pay with your credit card for all your shopping and convert the payment into convenient installments.

For any purchase above PLN 100

Repayment in installments (up to 60)

Online process

No further credit assessment required

Everyday payments or shopping to make yourself feel better? For all those things, you may pay by your credit card and convert the amount spent into installments – on your own.

With this service, you don’t have to check whether or not a shop offers an installment plan. It is up to you which payments you want to repay in installments, for example.

Luxury goods

Home applicances

Concert tickets

This solution can be useful when you happen to spend more in a given month and don’t want to or cannot repay the entire balance at once. You may select transactions you want to convert into installments and repay the remaining balance in full.

Pay for any shopping or services with your Citi Handlowy credit card.
You may convert every transaction paid by your card for at least PLN 100 into installments:
- in Citibank Online after the transaction is recorded (on the transaction list, there will be the option next to a transaction: Convert to installments);
- in Citi Mobile application, or
- via a text message you will receive from the bank immediately after the transaction is complete.
You select the number of installments – between 6 and 60.
You may convert any number of transactions (up to your card limit).
The installment will be included in the required minimum payment amount on your credit card statement. You only need to pay the minimum amount or the entire debt balance by the due date, as shown on the statement.
Your available credit limit will be decreased by the amount converted into installments. The limit will be renewed with every repayment made.
Installments do not limit the possibility to enjoy the interest-free period on your card (56 days for cashless transactions).
At any time, you may change the number of installments or repay the entire amount earlier.

Variable interest at 7.2% per annum.
Interest is calculated on the declining balance of the outstanding principal amount.
The bank charges no fees or commissions for conversion of transactions to installments.

How to use it?

In Citi Mobile as soon as a transaction is billed

Step 1) Make a purchase with your card
Step 2) Log in to Citi Mobile
Step 3) From the list of your credit card transactions choose the payment that you want to convert into installments
Step 4) Select the number of installments and confirm

Download app

In Citibank Online as soon as a transaction is billed

Step 1) Make a purchase with your card
Step 2) Log in to Citibank Online
Step 3) From the list of your credit card transactions or in the Your Profile/Installment Products section, choose the payment that you want to convert into installments
Step 4) Select the number of installments and confirm

Immediately after the transaction, by clicking on the link in the text message received from Citi Handlowy

Step 1) Make a purchase with your card
Step 2) Click on the link in the SMS received from Citi Handlowy immediately after making the transaction
Step 3) Enter the number of installments and confirm

Documents

Paylite (Raty w Karcie) - converting the Transaction with the "Comfort" Installment Payment Plan into installments on the terms set out in the Regulamin, chapter XIII.
Additional information on fees and charges for Citibank Credit Cards is available in the “Tabela Opłat I Prowizji” at www.citihandlowy.pl.
Bank Handlowy w Warszawie S.A. Citi Handlowy, Citibank and the Citi logo are registered trademarks of the Citigroup Inc. group entities.

The material is for informational purposes and does not constitute an offer within the meaning of Article. 66 of the Civil Code.

You can afford more. You can afford more. Pay with your credit card for all your shopping and convert the payment into convenient installments.