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Citibank allows its customers make credit card bill payment through online and offline methods. You must ensure timely payment of credit card bills in order to avoid late fees and finance charges. Read on to know how to make Citibank credit card payment.
| On this page |
Citibank credit card holders can use the following online ways of making Citibank credit card online payment.
| Internet Banking | Mobile Banking |
| Citi Mobile App | Auto-Debit Transactions |
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
Citibank credit card payment through net banking is instantly credited into the card.
The process for making Citibank credit card payment through mobile banking is similar to the net banking option. Follow the steps:
Payment through mobile banking is also instantly added to your credit limit.
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:
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 following methods to pay their credit card bills online.
| NEFT | RTGS | E-PAY (Bill Desk) |
| ECS | Visa Money Transfer | Other Bank Net Banking |
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:
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.
Another way to make Citibank credit card bill 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 non-working day, it will be credited on the next working day.
Citibank credit card bill desk is known as E-Pay. Follow the steps given below to make bill payment through bill desk.
Payment through bill desk is usually credited in 3-5 business days.
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.
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.
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.
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 IFSC Code which is IFSC- CITI0000003. Enter the bank name as Citibank N.A.