Citibank Credit Cards Bill Payment

Citibank offers a range of credit cards to suit the varying needs of their customers. You can select the card based on your needs. Visit a Citibank branch close to you for guidance or go online to use their credit card selector tool to find the credit card that best suits you. The credit cards are divided into five different categories and the eligibility criteria and rewards for each of the card types are different.

Travel	Citi PremierMiles Credit Card
Shopping	Citi Rewards Card, Citi Rewards Domestic Card, First Citizen Citi Titanium Credit card
Fuel	IndianOil Citi Platinum Credit Card, IndianOil Citi Titanium Credit Card
Lifestyle	Citi Prestige Credit Card, Citi Corporate Card
Cash Back	Citi Cash Back Card

Travel Cards: If you are a frequent traveller, the Citibank PremierMiles credit card is the best option for you. It offers miles for money spent on most transactions. You can redeem these miles across more than 100 domestic and international airlines. In addition, these miles can also be redeemed at a number of car rental services and hotels.
Citibank travel credit card:

• Citi PremierMiles Credit Card

Shopping Cards: Shopping is even more fun when there are exciting rewards and cash back offers for using a credit card. Citibank credit cards in the shopping category help you make the best of your shopping sprees by offering you amazing rewards that you can redeem for travel options, merchandise, and more.

Citibank shopping credit cards:

• Citi Rewards Card
• Citi Rewards Domestic Card
• First Citizen Citi Titanium Credit card

Fuel cards: Fuel is one of the major contributors to your monthly expenses. With Citibank fuel cards, you can save money on fuel and get good rewards or cash back opportunities. The reward points increase manifold if you refuel at authorised IndianOil outlets, which is CitiBank’s preferred partner.

Citibank fuel credit cards:

• IndianOil Citi Platinum Credit Card
• IndianOil Citi Titanium Credit Card

Lifestyle cards: People who love to travel and experience the best things in life can avail several rewards and unforgettable experiences offered by Citibank lifestyle credit cards. These include savings on airline tickets, complementary access to airport lounges, and a powerful rewards program.

Citibank Lifestyle Credit Cards:

• Citi Prestige Credit Card
• Citi Corporate Card

Cash Back cards: Nothing is more satisfying than getting cash back on a transaction. Citibank cash back credit card offers cash back when you make your bill payments using this credit card.

Citibank Cash Back credit card:

• Citi Cash Back Card

In addition to a wide range of credit cards, Citibank also has a range of credit card bill payment methods for the convenience of their customers. Citibank credit card holders can pay their credit card dues easily using the mode of the payment that best suits their preferences. Some people who like to pay their bills by visiting the bank can do so without any issues while others that want to make payments without having to go to the bank can do so via the internet or at an ATM.

A lot of people like to make bill payments using Demand Drafts, cheques, or cash. If you are planning to make the payment for your Citibank credit card by an offline method, you can do so by using one of the two methods mentioned here.

• Dropbox: You can pay your credit card dues by depositing a cheque or Demand Draft (DD) with your credit card number into a Citibank dropbox available at many locations across the country. The payment made through dropbox takes up to 7 days to reflect in your account. This used to be the traditional method to make bill payments until internet banking took over. If you have a Citibank branch on your way to the office, spare a few minutes to drop the cheque or DD in the dropbox and go about your day.
• ATM: Another way you can clear your credit card bill is by making the payment at any Citibank ATM. All you need to do is follow the instructions of the ATM to make the payment either by depositing a cheque, cash, or account transfer from a linked Citibank account. Cash payments get reflected in 2 days while payments made by a cheque get reflected within 7 working days in your statement. Account transfers take place within once business day, usually within minutes. The best part is that a 24x7 ATM gives you the option to drop the cheque or pay cash at any time of the day on any given day of the week. This is perfect for professionals who cannot spare the time to visit the bank during working hours.

Most people today like to make their bill payments online whether it is their utility or credit card bill. This has been the trend ever since people realised the convenience that internet and mobile banking offer. People can pay off their credit card bills without having to visit the bank or ATM. They can make the payment from their Citibank account or from another bank account. In both of these cases, they have multiple options to choose from.

If you want to pay your Credit card bill with your Citibank account, you have four main options to choose from. They are briefly discussed here.

• Internet Banking: If you have opted for online banking for your Citibank account, you can log in to your account, view your credit card bill, and make the payment easily. You can also view your credit card statement in addition to the due date for your payment as well as other details related to your credit card transactions after you log in to your Citibank account. The payment is cleared within one business day. You can avail this service only if you have registered for internet banking and have a valid User Id and Password.

• Mobile Banking: Visit the Citibank mobile website at m.citibank.co.in in a mobile browser app and log in to your Citibank online banking account. You can access your account from any mobile device with an internet connection, be it your phone or tablet, to make the payment conveniently. The biggest advantage of using this payment method is that you can do it from anywhere in the world. It only takes one day for your credit card payment to reflect in your account.

• Citi Mobile App: The most convenient way to pay your Citibank credit card bill is by using the Citi Mobile App. Just download the app and log in with your Citibank User Id and Internet Banking password (IPIN) to make the payment. You must have internet banking enabled to avail this service. The Citi Mobile App is available for both Android and iOS devices.

• Auto-debit Instructions: You can set “Standing Instruction” with Citibank to auto-debit either the minimum or total amount due to pay your credit card bill. This way, you will never default on your credit card payment or incur late fees as long as the account has the funds to cover the payment. The account is automatically debited on the payment due date. It does place an additional responsibility that you must maintain sufficient balance in the account for auto-debit to avoid any issues later. However, this is trivial compared to the convenience.

B. Online Payment Using an Account from a Different Bank

You do not need to open a Citibank account to have a Citibank credit card and you do not need to have a Citibank account to make your credit card payments either. There are numerous options for you to pay your credit card bill without having to visit a Citibank branch or any other bank’s branch, for that matter. The online modes of payment to clear your credit card dues using a non-Citibank bank account are mentioned here.

• E-PAY: Citibank has provided an online portal called E-Pay that their customers can use to make Citibank credit card payments from non-Citibank accounts. The portal is easy-to-use. All you need to do is enter your credit card number, email ID, mobile number, payment due and the details of the bank account you want to make the payment from. Once you submit this information, you will be directed to the payment gateway of your bank where you can authenticate the transaction and complete the payment. It takes 2-3 days for the payment to be credited to your account.

Banks that are eligible to use EPay to make payments on Citibank credit cards are listed here.

Allahabad Bank	Federal Bank	Punjab National Bank (Retail)
Andhra Bank	HDFC Bank	Punjab National Bank(Corporate)
Axia bank	ICICI Bank	State Bank of India
Bank of Bahrain and Kuwait	IDBI Bank	State Bank of Bikaner and Jaipur
Bank of Baroda (Retail)	Indian Bank	State Bank of Hyderabad
Bank of Baroda (Corporate)	Indian Overseas Bank	State Bank of Mysore
Bank of India	IndusInd Bank	State Bank of Patiala
Bank of Maharashtra	ING Vysya Bank	State Bank of Travancore
Canara Bank	Jammu and Kashmir Bank	South Indian Bank
Central Bank of India	Karnataka Bank	Shamrao Vithal Cooperative Bank
Citibank	Karur Vysya Bank	Tamilnad Mercantile Bank
Corporation Bank	Kotak Mahindra Bank	UCO Bank
City Union Bank	Lakshmi Vilas Bank (Retail)	Union Bank
Deutsche Bank	Lakshmi Vilas Bank (Corporate)	United Bank of India
DCB Bank	Oriental Bank of Commerce	Vijaya Bank
Dhanlaxmi Bank	Punjab and Sind Bank	Yes Bank

• National Electronic Funds Transfer (NEFT): You can make payments on your Citibank credit card from any other bank account by using the NEFT facility. The instructions may vary a little from bank to bank but in most cases, you need to add your credit card number as the payee account number to make the payment. The payments made during the working hours are credited on the same day while the payments made after the working hours are credited on the next business day.

• Real-Time Gross Settlement (RTGS): If you have a large outstanding payment due on your credit card, you can do it through an RTGS transaction. All you need is a bank account with internet banking activated to carry out an RTGS transaction. It is similar to NEFT except that the minimum amount to make an RTGS is Rs 2 lakhs and the transaction is executed individually. The payment is credited to the Citibank credit card account by the end of the business day.

• Electronic Clearance System (ECS): The Electronic Clearance System (ECS) works in a similar manner as the Auto-debit instruction method. In the ECS method, you can set a standing instruction to debit your non-Citibank account towards the payment of the credit card bill. You can choose to pay the minimum amount, total amount or a fixed amount. You need to activate this service by submitting a form to Citibank.

• Your Non-Citibank Bank’s Website: Citibank is included as a Utility Biller with other banks. This means that you can simply log in to the online banking portal of your bank and make the credit card bill payment towards your Citibank credit card. As if you were paying you bill for any utility.

• Visa Personal Payments: Wire transfers allow people to send money to other people, or even pay their credit card bill, easily. You can use the Visa Personal Payments service to clear the outstanding balance of your Citibank Credit card powered by Visa. All you need to do is log in to your bank’s internet banking service, enter your credit card number and enter the amount of money you want to pay. This does mean that you have to bear the charges for the wire transfer.

To keep you updated about your credit card transactions, Citibank sends a copy of your monthly credit card statement to your registered mailing address. You can also opt to receive e-statements that are sent to your registered email address since it is more convenient and eco-friendly. To get instant updates about your credit card transactions, payment amount, due date and other details, you must register your mobile number for CitiAlerts.