Ways to pay your Citibank credit card bills

Citibank offers various banking and financial services such as credit cards, debit cards, deposit accounts, loans, etc. 

When it comes to credit cards, Citibank offers credit cards for all individuals. Credit cards offer benefits in multiple categories such as shopping, fuel, travel, lifestyle, and rewards. You can avail the benefits with the correct Citibank Credit Card. The benefits are in the form of air miles, cashback, and rewards. You can apply for the Citibank Credit card according to the eligibility set by the bank. You must analyse your spending habits before applying for a credit card. 

Learn more about the Citibank credit card bill payment modes and services offered by Citibank in this article. 

Credit cards offered by Citibank 

• Citi Rewards Credit Card 
• Citi Cash Back Credit Card 
• IndianOil Citi Credit Card 
• Citi PremierMiles Credit Card 
• First Citizen Citi Credit Card 
• IKEA Family Credit Card by Citi 
• Citi Prestige Credit Card 
• Paytm Credit Card 

 

Various methods for Citibank credit card bill payment 

• Internet banking
• Citi mobile app
• Mobile banking 
• Auto-debit transactions 
• RTGS 
• UPI
• ECS
• Visa money transfer 
• NEFT 
• E-Pay (Bill Desk)

 

Citibank credit card payment: Online payment methods 

Citibank credit card bill payment via net banking 

Cardholders who have a savings account in Citibank and those who have registered for the online banking method can use Net banking to make the bill payment. The cardholder should register the credit card with online banking to avail of the credit card services online. 

Steps to make the payment:

1. Login into the Citibank Online Banking Portal. 
2. Use the Customer ID and Password. 
3. Click on the ‘Banking’ option. 
4. Click on ‘Pay Credit Card Bill’. 
5. Select the amount to be paid. 
6. It can be total due, minimum due or a custom amount. 
7. Select the Citibank account from which payment is to be made. 
8. Proceed to pay the amount. 
9. The credit card payment via Net banking is credited to the card instantly. 

 

Citibank credit card bill payment via mobile banking 

The Mobile banking payment process is similar to the Net banking process. 

Steps to make the payment: 

1. Login into the Citibank Online Banking Portal. 
2. Use the Customer ID and Password. 
3. Click on the ‘Credit Cards’’ option. 
4. Select the card. 
5. Choose the account for payment. 
6. Select the amount to be paid. 
7. It can be total due, minimum due or a custom account. 
8. Proceed to pay the amount. 
9. The credit card payment via Mobile banking is credited to the card instantly. 

 

Citibank credit card bill payment via Citi mobile app

The Citibank mobile application is the most convenient way to avail of various services on your Citibank account and credit card. 

Steps to make the payment: 

1. Login into the Citibank Mobile App using your credentials. Use the Customer ID and Password. 
2. Click on the ‘Credit Cards’’ option. 
3. Select the card. 
4. Choose the account for payment. 
5. Select the amount to be paid. 
6. You will be routed to the bell desk if you do not have a Citibank Savings account.
7. Proceed to pay the amount. 
8. The credit card payment via City Mobile App is credited to the card instantly. 

 

Citibank credit card bill payment via auto debit

1. Customers can set the standing instructions on their Citibank Savings or Current account. Citibank allows it so that the account holders never miss a payment. 
2. The customer can set the auto-debit instructions by logging into the Net banking portal of Citibank. 
3. You can choose the amount to be paid or the minimum amount due. The payment will automatically be deducted from your savings or current account towards the credit card bill payment. 

 

Citibank credit card payment: Online payment methods from other bank accounts 

Citibank credit card bill payment via NEFT 

Steps to make the payment: 

1. Login into the Citibank online banking portal. 
2. Select the ‘Fund Transfer’ section. 
3. Choose NEFT. 
4. In the place of Account Number, enter the 16-digit Citibank Credit Card Number. 
5. Enter the Citibank Credit Card and Bank Name. 
6. Select the amount to be paid. 
7. Choose the account for payment. 
8. Authorise the payment. 
9. It is best if you make the NEFT payment in batches. 
10. You must also make the payment at least a working day before your due date. 

 

Citibank credit card bill payment via RTGS 

1. The process is similar to the NEFT payment process. 
2. The payment is initiated through RTGS earlier than the cut-off time. It will be credited by the end of the same working day. 
3. Credit card bill payments must be made before 4:30 pm on weekdays and Saturdays. 
4. The payment will be credited on the next working day if a customer makes payment after 4:30 pm on a non-working day. 

 

Citibank credit card bill payment via Bill Desk

The Citibank credit card Bill desk is known as E-Pay.

Steps to make the payment: 

1. Visit the Citibank Bill desk
2. Enter the Citibank credit card number. 
3. Re-enter the number to confirm it. 
4. Enter your Email ID and mobile number. 
5. Enter the amount to be paid. 
6. Select the bank account through which you wish to make the payment. 
7. Select the ‘E-Pay Now’ option. 
8. You will be redirected to the net banking interface of the selected bank. 
9. Enter the OTP on your mobile number to authorise the payment. 
10. The credit card payment via the Bill desk is credited in three to five business days. 

 

Citibank credit card bill payment via ECS

• The Citibank account has an auto-debit option. The customer must sign a mandate on the other bank to make the Citibank credit card bill payment. The process is done through Electronic Clearance Service. 
• You need to download the Mandate Form to activate bill payment via ECS. 
• Fill in the details and submit them at the nearest Citibank branch. 

 

Citibank credit card bill payment via Visa money transfer 

• The VISA Money Transfer service is available on the net banking facility of any bank. 
• Though the process may vary from one bank to another, the general procedure remains the same. 
• Visit the Visa Money Transfer section. 
• It may take up to five working days for the amount to be credited into your Citibank Credit Card Account. Enter the Credit Card details. 

 

Citibank credit card bill payment via other bank’s net banking 

• The cardholders who own a savings or current account in some other bank can add a Citibank Credit Card as a utility bill to their account. 
• You will have to use the one-time registration every month to pay the bill by logging into the other bank account. 
• It may take up to three days for the amount to be credited to your account. 

 

Citibank credit card bill payment via UPI using Citi credit card payment IFSC code 

Steps to register:

1. The customer must register themselves with UPI to pay credit card bills. 
2. Log in to the app. 
3. Click on UPI. 
4. You must follow the instructions given on the page to generate a UPI ID. 
5. Link it with your bank account. 

Steps to make the payment: 

1. Log in to the app. 
2. Click on the ‘Pay’ option. 

1. Select UPI as the mode of payment. 
2. Click on ‘Send Money. 
3. You can pay via UPI ID, Account Number, and Citibank Credit Card Payment IFSC code. 
4. Enter the amount and remarks.
5. Pay the amount. 

 

Citibank credit card payment: Offline payment methods 

Credit card bills can be paid using demand drafts, cash and cheque. 

• Dropbox 

The customer can pay for Citibank Credit Card Bills by depositing a cheque or demand draft (DD). You must mention the credit card number in the demand draft or cheque. It may take up to seven days for the payment to reflect in your account. 

• Branch visit 

The customers can settle their credit card bills through direct cash payment by visiting the bank branch. You need to pay a fee of Rs 250 per cash settlement. 

Citibank credit card payment: Advantages

• It saves you time.
• It is hassle-free.
• There are generally no charges involved.
• It is paperless.
• You can also set up standing instructions with Citibank for your credit card payment.

Citibank credit card payment: Processing time

Non-Citibank website	Depends on the chosen bank
E-Pay	Two working days
Internet banking	Same day
Citibank mobile app	Same day
Citibank mobile banking	Same day
Visa money transfer	Upto five working days
UPI	Instantaneous
NEFT	Before 6 pm (same day) Post 6 pm (credited the next day)
RTGS	Before 4:30 pm (same day) Post 4:30 pm (credited the next day)

Contact details 

Citi Centre Address

First International Financial Centre:

Plot Nos C-54 and C-55, G-Block,

Bandra Kurla Complex,

Bandra East, Mumbai 400098.

 

FAQs

What are the charges on Citibank Credit Card bill payment via NEFT?

There are no charges for payment via NEFT and RTGS.

What is the IFSC Code for Citibank Credit Cards?

IFSC - CITI0000003. Bank Name - Citibank N.A

How can a customer set standing instructions on a Citibank Credit Card?

You need to sign the mandate form from the bank to set standing instructions for automated payments.

Do I have to pay the late fee if I make a bill payment on the due date?

The bank usually gives two to three days of grace period for paying bills. The customers are recommended to pay the credit card bill a few days in advance.

Is it necessary to have a Citibank account to make credit card bill payments?

No. Customers who do not own a savings account can pay via bill desk, NEFT and other modes.