Citibank’s online payment methods to pay the credit card bills are quite easy.
You can pay the credit card bill in a few minutes from the convenience of your house. Once you switch to the ease of online payments, you will never look back.
To provide that ease, CitiBank offers many convenient methods of payment that cater to a wide range of people. Even if you are non-CitiBank account holders, you can also use online Citibank credit card payment modes.
Let’s discuss in detail about the Citibank Credit card Online Payment Modes.
Citibank Credit Card Payment Online (Citi Account Holder)
If you are an account holder of either CitiBank saving or current account, you can choose any method to pay your credit card bills online.
#1. Citibank Internet Banking
CitiBank internet banking is the most convenient & most used way to pay the online Citibank credit card outstanding bills. This assures an easy-to-use, secure and convenient banking experience.
How to pay using CitiBank Netbanking
- Go with the web address Citibank.co.in & you will find a login option on the right-hand side of the home page.
- Login into internet banking by filling your user Id & password.
- On the top, you will find ‘Payments & Transfer’. Under this category, you will find a number of options. Click on the Bill payment option.
- You will a see list of credit cards, you added into your Citibank net banking. Select the credit card.
- Click on the ‘Pay’ button.
- Fill all the required information like credit card account number, payment amount, & Click on the ‘Next’ button.
- Confirm your payment. You have successfully pay your Citibank credit card payment online.
#2. Citi Mobile App
Citi mobile app is another convenient way to pay your Citibank credit card bill. Just download the app and log in with your Citibank User Id and Internet Banking password to make the payment.
You must have internet banking enabled to avail of this service. The Citi Mobile App is available for both Android and iOS devices.
How to Use Citi Mobile App
- Download the Citi mobile app from Apple iOS, Android or app store and register using your user ID and password.
- Click on payment & Transfer.
- Choose option make payment/ Transfer.
- Click on the credit card option.
- If you didn’t register the credit card with the mobile application then first register the credit card through the ‘Link Credit Card option’.
- You will get your latest bills amount & minimum balance paid.
- Click on the ‘Pay Now’ option.
- In the form, choose one of the 3 payment options provided
- Total amount due (TAD)
- Minimum amount due (MAD) or
- Other amount
- Fill the account number you want to make payment & click on the ‘Confirm’ button.
You have successfully pay your Citi credit card payment online.
Check out – How to pay ICICI credit card bill online
#3. Citi Mobile Banking
The biggest advantage of using this payment method is that you can do it from anywhere in the world. You can access your account from any mobile device with an internet connection.
It only takes one day for your credit card payment to reflect in your account.
How to Use Citi Mobile Banking to Pay Credit Card Online Payment
- Visit the Citibank mobile website at Citibank.co.in from your mobile browser.
- log in to your Citibank online banking account.
- Go to Transfer & payment.
- Under the payments tab, you will find credit card payments.
- If you didn’t register the credit card with the mobile application then first register the credit card through ‘Link Credit Card option’.
- You will get your latest bills amount & minimum balance paid.
- Click on the ‘Pay Now’ option.
- In the form, choose one of the 3 payment options provided
- Total amount due (TAD)
- Minimum amount due (MAD) or
- Other amount
- Fill the account number you want to make payment & click the ‘Submit’ button.
You have successfully pay your Citi credit card payment online.
#4. Standing Instruction (Auto-Debit)
Citi Bank customers can use the auto-debit feature to pay the minimum amount due or the entire amount due directly from the Citibank accounts.
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.
Citibank Credit Card Online Payment (Non-CitiAccount Holder)
If you are not a Citibank account holder even then you want to pay Citi credit card payment through online modes. You can go with any of the following options.
#5. National Electronic Fund Transfer
Use the National Electronic Funds Transfer to make payments on your credit card from any non-Citibank account.
In order to avoid late payment charges, customers have to make payments at least a day before the due date.
How to register and pay using NEFT
- Log in to the net banking facility of your bank. Add Citi credit Card as a payee/beneficiary, under third party transfer.
- Add the Citibank IFSC code.
- Enter your 16-digit Citi Credit Card number in place of the account number on the banking page.
- Fill Bank name as Citi CREDIT CARD – NEFT
- Click the ‘Submit’ button to complete your registration process.
Payment through NEFT
- Log in to the net banking facility of your bank account and go to the “Fund Transfer” tab and, click “Transfer to Other Bank”.
- Select the account, beneficiary, and enter the relevant details.
- Accept the Terms and Conditions and Re-check all the details.
- If all the details are correct, then confirm to complete the process.
Check out – Standard charterted credit card payment
#6. Real-Time Gross Settlement (RTGS)
If you have an outstanding payment of more than 2 lakh due on your credit card, you can do it through an RTGS transaction. The minimum amount to make an RTGS is Rs 2 lakhs
All you need is a bank account with internet banking activated to carry out an RTGS transaction.
It is similar to NEFT & the same steps will be following those described above. You only have to choose RTGS in place of NEFT.
The payment is credited to the Citibank credit card account by the end of the business day.
#7. E-Pay (Citibank Credit Card Payment Through Billdesk)
Citibank’s E-Pay lets you pay your Credit Card bills online even if you don’t have a Citibank banking account.
This will normally take 2 working days to get credited into your account depending on the time taken by your Bank to process the payment.
How to Make Citibank Credit Card Bill Payment through Billdesk
- Click here to pay your CitiBank credit card bill through E-pay.
- The link will direct you to Billdesk Citibank EPay payment portal.
- Simply fill all the information such as Citibank credit card number, Email, mobile number and payment amount.
- Select the bank through which you want to complete the transaction.
- Click on ‘EPay Now’.
- You will be securely redirected to the payment interface of your chosen bank.
- Enter your authentication details (Net Banking User ID and Password of your Bank Account).
- Confirm your payment.
#8. 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.
Let’s consider an example. Suppose you have a savings bank account in the non-Citibank like Axis/SBI/HDFC or others. Then you can give authorization to Citibank to debit money from these bank account by filling a form.
You can choose to pay the minimum amount, total amount or a fixed amount. Citibank will then process your request and debit the money on a set date from your bank account.
You need to activate this service by submitting a form to Citibank.
#9. Visa Credit Card Pay
Using Visa Money Transfer, you can pay your Citibank credit card bill from any other bank account you hold. The processing time usually takes 2 to 4 working days to be credited to your Citibank credit card account.
How to pay your Citi Visa Card dues through Visa Credit Card Pay
- Log in to the net banking page of your bank with your user ID and password.
- Go to the ‘Third Party Funds Transfer’ section and find the visa credit card payment link online.
- Select ‘Visa Credit Card Pay’.
- Fill in the sender and recipient details to initiate fund transfer.
- After entering the details, click on ‘Confirm’ transaction.
- Once you confirm the transaction, the amount will be debited from your account and the payment will be scheduled to your card.
#10. Other Bank’s Website
Citibank is included as a Utility Biller with other banks. This means that you can simply pay your credit card bill as you were paying your utility bills.
How to Use for paying your Citibank Credit Online Payment
- log in to the online banking portal of your bank
- Select payments & transfer.
- Simply select the option of credit card payment
- Make the credit card bill payment towards your Citibank credit card.
Citibank credit card has been added as a Utility Biller with the banks listed below:
• HDFC Bank
• ING Vysya Bank
• State Bank of India
• IndusInd Bank
• Yes Bank
3 Ways to Pay CitiBank Credit Card Payment Offline
If you are still looking for the offline modes for paying your Citi credit card bills, you can choose any option from the following 3 modes
#1. Cheque Dropbox
You can write out a check or demand draft to your credit card number and deposit it into any drop box available at select locations. It can take up to 7 working days to reflect in your account.
How to pay using Manual Drop Box
- Please fill in the correct Citi Credit Card number on your check.
- Do not forget to mention your name and phone number on the backside of the check.
- Mention the payee name as ‘Citi Card No. XXXX XXXX XXXX XXXX’ (16-digits of your credit card number)
- Fill the correct payment amount.
#2. Citibank ATM
For this, you need to visit an ATM and enter your CitiBank credit card number and the due amount. You will find this option under Bill Pay menu.
For making your credit card payment through ATM, you need to do the following steps.
- Walk into the nearest ATM.
- Insert your debit card into the ATM machine and press the services tab to find the ‘Bill Pay’ option.
- Enter your CitiBank Credit Card number and the amount to be paid.
#3. Cash
This is an over the counter method that requires the cardholder to visit any Citibank, fill the pay-slip, enter the amount, attach the card bill and submit it to the representative.
The account number will be your 16 digit card number. After this, you will receive the acknowledgment receipt instantly.
Citibank Credit Card Statement
CitiBank customers can easily view their credit card statements using Net Banking by logging into their online banking accounts.
Through net banking, the customers have 24-hour access to their CitiBank credit card information and are up to date with the transactions. E-statements can also be got by credit cardholders once they have registered with CitiBank.
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