Citizens Bank

Credit Card- EMI products

EMI Products :

We offer two variants of the EMI’s under our product Citizens Visa Credit Card (NPR) facility for our Credit Card Customers. This is a payment option available for the individuals only.

Citizens Instalment Scheme (NPR)

This is a scheme where the Credit card holder can purchase goods and avail services through the listed merchants only and pay in equal monthly installments, at 0% interest rate.

Basic Features

Financing is available up to 100% of the product cost subject to minimum loan amount of NPR 20,000/- to maximum loan amount of NPR 250,000/-
For purchases made at the listed outlets only, the cardholder shall have choice of repaying in 3 to 18 equal monthly instalments (EMI) option in line with the approved terms.
Additional Limit of 0.5 times in the existing credit card limit is provided for the credit card customers who opt for availing this scheme.

Citizens Insta Buy (EMI) Scheme

It is a repayment scheme Plan where the Credit Card Holder of the Bank can purchase goods and avail services at low interest rate from any of the merchant locations as per their wish.

Basic Features

Financing is available up to 100% of the product cost subject to minimum loan amount of NPR 10,000/- to maximum loan amount of NPR 250,000/-
Lower rate of financial charge of 0.833% per month (10% p.a.).
Installment of customer’s choice – 3,6,9,12,15 or 18 months.

What you need to apply

How to Apply for the Citizens Credit Card Installment Scheme (Other than One BNPL Merchant)

Bringing home your favorite products and services is now easier than ever. Follow these simple steps to convert your purchases into affordable monthly installments:

Get your quotation from our listed partner merchants.
Submit your application along with quotation at your nearest Citizens Bank Branch or via mail.

How to Apply for the Citizens Insta Buy EMI Scheme (Other than One BNPL Merchant)

Did you already buy something using your Citizens Credit Card? You can still convert that big purchase into affordable monthly installments! Follow these 2 simple steps to ease your cash flow:

Visit any merchant location of your choice, make a purchase, and pay using your Citizens Credit Card at the checkout.
Submit Your Application along with VAT Bill at your nearest Citizens Bank Branch or via mail.

How to turn your Visa credit card purchases into EMI with One BNPL

Visit any partnered merchant of One BNPL make a purchase

Select EMI tenure at Point of Sales (POS) and pay using your Citizens Credit Card at the checkout.

In Need of Assistance?

We're here to help you. If you have questions or can’t apply online, call 16600166667 Support Center 01-5970068