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Citibank Individual Payment Program


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Citibank has designed a special service to expand the potential of your credit card. We are the first in the country to offer the unique Citibank Individual Payment Program, which enables you to easily pay for your large purchases. It is advantageous to give in to a buying spree, when you can plan your own repayments.

How to apply for the Citibank Individual Payment Program

Shop in peace for what you like or for what you have been planning. As soon as three days after making the purchase, you can call CitiPhone telephone number +420 233 062 222 and discuss the Citibank Individual Payment Program. Or you can wait until you receive your account statement; then you will be able to determine which repayment method is the best for you. You can decide anytime up until the payment due date. You can choose to make payments over 12, 18 or 24 months. Then every month on your account statement, you will see repayments for your individual program next to your current transactions.

How to take advantage of the Citibank Individual Payment Program

If you are planning a purchase in excess of CZK 2,000, you no longer have to consider taking out a loan. You can pay for the purchase with your credit card. Afterwards, depending on your financial situation, you can decide to enroll into the Citibank Individual Payment Program and repay the purchase in regular monthly payments with the advantageous interest rate from 15,9 % p.a.. Just contact CitiPhone to agree on the dispersion of repayments over 12, 18 or 24 months.

Example:

For example with amount 10 000 CZK you could repay your purchase already from 490 CZK monthly (interest rate 15,9 %, effective interest rate (RPSN) 17,2 %, tenor 24 months)

Conditions for the Citibank Individual Payment Program
  • Annual interest rate from 15,9 %
  • Annual percentage rate from 17,2 %
  • There is no fee to enroll in the program
  • It is only available for individual transactions over CZK 2,000
  • It is not possible to combine individual transactions in order to reach the CZK 2,000 limit.
  • It is not possible to use for cash withdrawal
  • For a large number of transactions over CZK 2,000, you can have several Citibank Individual Payment Programs concurrently
  • Contractual fee for early repayment is CZK 550
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