Equal Payment Plan

Buy now - pay later!

Our Equal Payment Plan (EPP) will help you manage your finances even more efficiently! Shop with your Citibank credit card anywhere in the world and pay us back in equal monthly installments over a convenient period at a lower interest rate.

Now available in Citi Mobile®, too!

RUB 15,000

This parka jacket can be yours for only RUB 596 per month!1

RUB 20,000

This TV-set can be yours for only RUB 795 per month!1

RUB 40,000

This couch can be yours for only RUB 1,590 per month!1



Pay less interest on your purchases – save up to 9.9%2 per annum as compared to your credit card rate3.


You can book any transaction4 (including cash advance)5 over RUB 1,8006 as an EPP transaction in Citibank Online yourself.

You can also call CitiPhone to add up to five transactions over RUB 300 each, for a total of RUB 10, 000, and have them processed under one EPP.


Save as much as possible! Activate the Automatic Equal Payment Plan (AEPP), and all transactions exceeding your preset amount will automatically be booked as EPP transactions on even more beneficial terms.


You can choose between repayment terms of one to three years.7

No fees

You can deactivate your EPP without incurring any additional fee for full or partial prepayment.


Frequently asked questions


1 The monthly installment is calculated based on an interest rate of 25% per annum and a repayment period of 36 months.

2 Provided the card rate is 32.9% per annum, the repayment period is 24 or 36 months, and EPP is booked via Citibank Online.

3 Each particular transaction will incur an interest rate determined on an individual basis in the relevant offer, which may vary between 13.9% and 29.9% per annum.

4 Transactions carried out with the use of your own funds may not be booked as EPP transactions.

5 Under paragraph 7.16 of the Credit Card Terms and Conditions, Citibank may refuse to accept any Customer transaction as being an EPP Transaction without giving a reason.

6 If booked via Citibank Online. If EPP is booked via CitiPhone or any other channel, the minimum transaction amount eligible for EPP is determined on an individual basis.

7 EPP is available for 12, 18, 24 or 36 months.

Activate your card online Free money transfer at Citibank Online