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How to Pay Citibank Credit Card Bill Payment Online & Offline

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People nowadays have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.

Citibank offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. Citibank cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from Citibank.

Citibank also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.

The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.

Citibank credit card payment – Online mode

Citibank Credit Card Bill Payment

With the world going digital many people prefer paying their bills through online mediums. Citibank has also understood this trend and setup multiple ways that a person can pay their credit card bills.

Citibank Net Banking:

To utilize the Citibank Net Banking facility, Citibank’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their Citibank credit cards to Net Banking account, after logging into their Citibank Net Banking account. The ATM pin needs to be used to link the Citibank credit card to the Net Banking account.

Customers can access or view their Citibank credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. In case of loss or theft of credit cards customers can use the Hot listing facility available under the Net Banking facility to block you card and request for card replacements for which Citibank will charge a fee of Rs. 100.

To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your Citibank savings account.

Citibank Mobile Banking Application:

Citibank credit card users can also use the Citibank Mobile Banking application to make outstanding bill payments. Customers need to download the app on their mobiles and after installation use their customer ID to log into the app. It has all the features that are present in the Net banking portal. To pay of the credit card dues the user needs to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using the Mobile app.

ATM Funds Transfer:

With large network of ATMs available across the country Citibank customers can pay credit card bills through any one of these ATMs. This service is 24/7 made available to Citibank customers. The outstanding amount available on a Citibank credit card can be transferred from a savings account or a current account to the customer’s credit card account.

Autopay:

If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a Citibank customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their Citibank accounts.

The total monthly outstanding amount or the minimum amount due on the Citibank credit card can be repaid using the Autopay facility. The Citibank savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.

Citibank credit card payment – Online mode for non-Citibank Account

You do not necessarily open an Citibank account to have an Citibank credit card, you can also pay your credit card bill using a non-Citibank account. There are several ways that a person with a Citibank credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your Citibank credit card bill through other banks works for Citibank as well as other banks.

There are plenty of online modes of Citibank credit card bill payment to clear your credit card dues using a non-Citibank account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your Citibank credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day. To pay your bills use the IFSC code, to make NEFT payments towards your Citibank credit cards.

Real Time Gross Settlement (RTGS)

For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold an Citibank account. All you need to have is your net banking activated on your non-Citibank account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.

Citibank Website (Epay)

Non-Citibank account holders can use the Epay web page which is set up for Citibank credit card holders. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the Citibank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the Citibank website.

Your Non-Citibank’s Website

In case you don’t have a Citibank account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your Citibank account.

Citibank credit card payment – Offline payment mode

There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people Citibank provides multiple ways by which any individual can pay their credit card dues.

Cash payment

You can pay your credit card bills by paying in cash at any one of the Citibank branches nearest to you in your city. A processing fees of Rs. 100 per payment will be charged by the bank when you pay your credit card bill.

Cheque payment

If you prefer to pay you’re your credit card bills using cheques then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at Citibank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.

Citibank credit card bill payment FAQ

  • When a customer makes a payment towards an Citibank credit card, how long will it take for the money to be credited?

    The payment done by a customer will be credited to the Citibank credit card account in two working days.

  • Can I make my credit card bill payment through the mobile?

    To make mobile banking payment, you need to download the app and make the payment in the credit card section.

  • What should a customer do in case he has entered the wrong credit card number while making payments?

    Generally, customers should enter the credit card number twice for security reasons. In case the wrong number has been entered, then the customer is required to call the customer care for further support.

  • How can make offline payment towards my Credit Card Bill?

    You can make the payment in cash at your nearest Citibank branch.

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