Automatic Equal Payment Plan



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• Loan on Phone • Equal Payment Plan • Automatic Equal Payment Plan


Want to pay a reduced interest rate but without calling to the bank after each purchase? Use Automatic Equal Payment Plan!


Why choose Automatic Equal Payment Plan?

This program combines all the advantages of Equal Payment Plan, ease of use and even lower interest rate — only 26% per annum*!


How to activate Automatic Equal Payment Plan?
  1. Call 24-hour CitiPhone Banking
    +7 (495) 775-75-75 in Moscow
    +7 (812) 336-75-75 in St. Petersburg,
      8 (800) 700-38-38 for other cities in Russia.
    And declare your intention to pay debts within a desired period.

  2. Specify a minimum amount, after exceeding of which all your purchases will automatically be paid for within Equal Payment Plan at a reduced interest rate of 26%*.
    This amount shall be at least 1,800 rubles.
  3. Select a period of credit repayment from 1 to 3 years.
After it all purchases and cash withdrawal transactions exceeding the specified amount will be automatically processed by installment at a reduced interest rate of 26% per annum*.


How to deactivate Automatic Equal Payment Plan?

  1. Deactivate only the option of Automatic Equal Payment Plan

    Then all your credit card transactions will not be processed within Equal Payment Plan, but specified as actual debt in regular statements. All transactions performed within Equal Payment Plan will remain on the installment plan under the same conditions.

  2. Deactivate only Equal Payment Plan with respect to any earlier transaction.

    In such a case all subsequent transactions through a credit card will be automatically paid for within Equal Payment Plan.

  3. Deactivate both Automatic Equal Payment Plan and Equal Payment Plan with respect to any/multiple/all earlier operations.

Terms and conditions of Automatic Equal Payment Plan

  • Minimum purchase amount: 1,800 rubles
  • Credit payment period: 12, 18, 24 and 36 months
  • No fees for early repayment
  • No fees for activation or deactivation


* Where the Automatic Equal Payment Plan is activated for a Stockmann-Citi credit card, only purchases at Stockmann stores exceeding the set threshold will be automatically charged at a reduced EPP rate of 25%. All other transactions, including cash advances, exceeding the set threshold will be automatically charged at an EPP rate of 26%.




Online calculator to learn the amount of payments within Equal Payment Plan
Use online calculator to learn the amount of payments within Equal Payment Plan