Citibank Credit Card Payment

Citibank Credit Card Bill Payment through Net Banking

Cardholders who have a savings/current account with Citibank and have also registered for the online banking facility can use this method of bill payment. You must also register your credit card with online banking in order to be able to use the credit card services online.

Follow the steps given below to make Citibank Credit Card Bill Payment

• Login to Citibank Online Banking Portal using your Customer ID and Password
• Go to the ‘Banking’ option and click on ‘Pay Credit Card Bill’
• Select the amount to be paid- total due, minimum due or a custom amount
• Select the Citibank account from which payment is to be made
• Proceed to payment

Citibank credit card payment through net banking is instantly credited into the card.

Citibank Credit Card Payment through Mobile Banking

The process for making Citibank credit card payment through mobile banking is similar to the net banking option. Follow the steps:

• Visit Citibank’s mobile banking portal
• Login using your Customer ID and Password
• Go to ‘Credit Cards’ and select the card
• Select the account for payment and the amount
• Proceed to payment

Payment through mobile banking is also instantly added to your credit limit.

Citibank Credit Card Bill Payment through Citi Mobile App

Citibank mobile application is the easiest way to avail different services on your Citibank account or credit card. Bill payment can be made using the following steps:

• Login to Citi Mobile App using your credentials
• Visit the ‘Credit Cards’ section
• Select the card and the amount you wish to pay
• Select the account through which payment should be made
• If you do not have a Citibank savings/current account, the process will route you to the billdesk
• Proceed with the payment

Citibank Credit Card Bill Payment Auto-Debit

Citibank also allows its customers to set standing instructions on their Citibank savings/current account so that they never miss a payment.

You can set the auto-debit instructions by logging into the net banking portal of Citibank. You can choose to pay either the total amount due or the minimum amount due. Every month, Citibank will automatically deduct the payment from your savings/current account towards the Citibank credit card bill payment.

Citibank credit card holders who do not have a savings/current account in Citibank can use the below-given methods to pay their credit card bills online.

Citibank Credit Card Bill Payment through NEFT

You can use your other bank’s net banking services to make a Citibank credit card payment using NEFT. Given below are the steps to do so:

• Login to your bank’s online banking facility
• From the ‘Fund Transfer’ section, select NEFT
• Enter your ’16-Digit Citibank Credit Card Number’ in place of Account Number
• Enter Citibank Credit Card IFSC Code- CITI0000003 and Bank Name as Citibank N.A
• Enter the amount to be paid
• Select the account for payment
• Authorize the payment

Since NEFT payment is made in batches, it is good to pay at least one working day before your due date so that the payment does not get stuck.

Citibank Credit Card Bill Payment through RTGS

Another way to make Citibank credit card payment through other bank account is RTGS. The process is similar to that of NEFT.

Payments initiated through RTGS prior to the cut-off time would be credited by end of the same working day. Also, credit card bill payments made before 04:30 P.M on weekdays and working Saturdays are credited on the same day. However, if you make payment after 4:30 PM on a non-working day, it will be credited on the next working day.

Citibank Credit Card Bill Payment through Bill Desk

Citibank credit card bill desk is known as E-Pay. Follow the steps given below to make bill payments through bill desk.

• Visit Citibank bill desk
• Enter Citibank credit card number and re-enter to confirm it
• Enter your email ID and mobile number
• Enter the amount to be paid
• Select the bank account through which you wish to make the payment
• Click on ‘E-Pay Now’
• You will now be redirected to the net banking interface of the selected bank
• Authorize the payment by entering the OTP received on your registered mobile number

Payment through bill desk is usually credited in 3-5 business days.

Citibank Credit Card Bill Payment through ECS

Just like the auto-debit option on Citibank account, you can also sign a mandate on your other bank account to make Citibank credit card bill payment. This is done through Electronic Clearance Service.

To enable bill payment through ECS, download the mandate form, fill it and submit at the nearest Citibank branch.

Citibank Credit Card Bill Payment through Visa Money Transfer

The Visa Money Transfer facility can be availed on the internet banking facility of any bank. The process may vary from one bank to another. However, a general procedure is to go to the Visa Money Transfer section and enter the credit card details. It may take up to 5 working days for the bank to credit this amount into your Citibank Credit Card Account.

Citibank Credit Card Online Payment through Other Bank NetBanking

Card holders who hold a savings/current account in some other bank can add Citibank Credit Card as a utility biller on their account. One time registration will be required for the same and every month you can pay the bill by logging into your other bank account. Payment through this mode may take up to 3 days to be credited into your account.

Citibank Credit Card Payment through UPI using Citi Credit Card Payment IFSC Code

Citibank cardholders can pay their credit card bills using UPI (Unified Payments Interface). Customers can pay the bills using UPI ID or Account number and Credit Card IFSC Code.

Registration

Customers must first register themselves with UPI in order to pay credit card bills using this service.

• Login to the App
• Click on UPI
• Follow the on screen instructions to generate UPI ID and link the same with a bank account

Payment

• Login to the app
• Click on Pay
• Select UPI as mode of Payment
• Click on ‘Send Money’
• Pay via UPI ID or Account number and Citibank credit card payment IFSC Code

Enter the amount, Remarks, and pay the amount

Credit card bill payments can be made through Demand Drafts, cheques, or cash. The offline methods for bill settlement are mentioned below.

Dropbox- You can pay your Citibank credit card bills by depositing a cheque or Demand Draft (DD) into a Citibank dropbox. The credit card number should be mentioned behind the cheque/demand draft. The payment made through dropbox takes up to 7 days to reflect in your account.

Branch Visit- Users can settle their credit card bills by making cash payments by visiting the bank branch. Cash payments to settle credit card bill incurs a fee. Citibank charges Rs. 250 per cash settlement.

What are the charges levied on Citibank credit card bill payment through NEFT?

There are no extra charges levied on payment made through NEFT and RTGS.

Is it necessary to have an account in Citibank to make credit card bill payment?

No. Customers who do not have savings or current account with Citibank can also pay their Citibank credit card bills through bill desk, NEFT and other modes. Click here to learn more.

I have made bill payment on the due date and it has not been credited. Will I have to pay late fee?

Banks usually give 2-3 days of grace period for bill payment. So, if the amount gets credited the next day, you would not be charged a late fee. However, it is always recommended to pay your credit card bills a few days in advance.

How can I set standing instructions on my Citibank Credit Card?

To set standing instructions for automated payments, you will have to sign a mandate from the bank account on which you would like to set the instruction. If you have an account with Citibank, you can directly set auto-debit instructions from your customer portal.

What is Citibank Credit Card IFSC Code?

While making Citibank credit card payment through NEFT, you will have to enter Credit Card IFSC Code which is IFSC- CITI0000003. Enter the bank name as Citibank N.A.

For Citibank Credit Card Terms and Conditions, refer to this link.