Equal Payment Plan



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


Wish to reduce an interest rate for transactions performed and decrease the amount of monthly minimum payments? Use Equal Payment Plan.


Why choose Equal Payment Plan?

The advantage of Equal Payment Plan as compared to other credit card transaction lies in a reduced interest rate and extended repayment periods (from 1 to 3 years). You pay for a purchase in equal monthly installments during a certain period of time. Equal Payment Plan is a perfect opportunity to pay for your purchases in equal installments within a certain period of time.

You can choose the most appropriate repayment period and monthly payment amount.


Use Equal Payment Plan

Any transaction for an amount exceeding 1,800 rubles (including cash withdrawal) may be executed within Equal Payment Plan up to the date of the first statement of account covering such transaction.
  1. Automatic Equal Payment Plan
    All transactions with amounts exceeding the selected limit will be paid for in installments automatically, if Automatic Equal Payment Plan program was chosen.


  2. Citibank Online
    You can leave an online application for buying on the installment plan within the Equal Payment Plan in "Transfers and Payments" section of Citibank Online system. In this case Equal Payment Plan interest rate will be equal to 25% per annum.


  3. 24-hour CitiPhone Banking

    You can now put on installment purchases starting from 300 rubles. You can combine up to five transactions totaling 1,800 rubles and put them on the Equal Payment Plan.


    Just call us:
    +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. Operator will calculate the amount of monthly payments for you.

    Your interest rate depends on the repayment period:
    • For Citibank payroll Customers1

      12 months 18 months 24 months 36 months
      21% - 25% per annum 20,5% - 24,5% per annum 20% - 24% per annum 19,5% - 23,5% per annum


    • For all other Customers

      12 months 18 months 24 months 36 months
      24% - 26% per annum 23,5% - 25,5% per annum 23% - 25% per annum 22,5% - 24,5% per annum

Use Equal Payment Plan terms and conditions

  • Minimum purchase amount: 1,800 rubles
  • Credit payment period: 12, 18, 24 and 36 months
  • No fee for credit formalization and early repayment




  1. 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.