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!


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 period of credit repayment from 1 to 3 years and minimum amount (from 1800 rubles), after exceeding of which all your purchases will automatically be paid for within Equal Payment Plan at a reduced interest rate.

    Your interest rate depends on the repayment period1:
    • For Citibank payroll Customers2

      12 months 18 months 24 months 36 months
      20% - 23% per annum 20% - 23% per annum 20% - 23% per annum 18,9% - 21,9% per annum


    • For all other Customers

      12 months 18 months 24 months 36 months
      22% - 24% per annum 22% - 24% per annum 21,5% - 23,5% per annum 20,9% - 22,9% 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


For your attention: Purchases and cash advances that are made using Your own funds will not be processed within Equal Payment Plan.



  1. 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 18%. All other transactions, including cash advances, exceeding the set threshold will be automatically charged at lower interest rate, depending on chosen period of credit repayment.
  2. For the Customers in the employ of the companies that have entered into the Agreement On The Transfer By The Company Of Salaries, Fees, Compensations And Allowances To Employee Accounts with Citibank/Agreements.