There are several benefits of paying your credit card bill on time, low interest rates, improved credit score, and no late payment penalties. You're also viewed as a responsible borrower by potential lenders, increasing your chances of getting other lines of credit.
Now, Citibank provides various payment modes to make sure you never miss your payment. You can also use other bank accounts to pay your Citibank card dues.
Citibank Credit Card Bill Payment Online
When your due date is just a day away, online payment channels can work in your favour. That's why, Citibank offers several modes to clear your dues. Listed below are the payment modes you can use if you have a Citibank account.
Standing Instruction: Set up standing instruction to clear your dues without having to remember your due date. You will have to log in to the Citi online banking portal with your user ID and IPIN. You can create a standing instruction for the total amount due or minimum amount due. This will be debited from your account and credited to your Citibank credit card.
Citi Mobile: To make payments through this channel, you will have to visit m.citibank.co.in on your mobile phone. Follow the instructions and pay your credit card bill.
E-Pay: This is one of the easiest ways to pay your card dues. All you have to do is log in to the online banking portal with your user ID and IPIN. Then, go to 'Banking' and select 'Pay Credit Card Bill'. This should initiate the payment process.
Bill Payment through PayTM
- Open the PayTM app or visit the website.
- Under ‘Recharge & Bill Payments’, click on ‘Credit Card payment’.
- Click on ‘+ Pay another card’.
- Enter your credit card number and if you want you can provide a nickname for it too.
- Proceed to link your credit card to your PayTM account and once done, you can then complete your credit card bill payment.
Bill Payment through MobiKwik
Bill Payment through Google Pay
- Open the Google Pay app on your phone.
- On the app, click on ‘Pay bills’ and then click on ‘Credit card bill payment’.
- Choose your bank which has issued you the credit card.
- If you don’t have your account linked, against ‘No account linked’, click on ‘^’ sign and click on ‘Link Account’.
- Enter your credit card number and add a nickname for it if you want.
- Click on ‘Link Account’.
- Once your credit card is linked to your Google Pay account, you can proceed to complete the payment of your credit card bill.
Bill Payment through PhonePe
- Open the PhonePe app on your phone.
- Under ‘Recharge and Pay Bills’, click on ‘Credit Card Bill’.
- Enter your credit card number and click on ‘Confirm’.
- Once your credit card gets linked to your PhonePe account, you can then complete your credit card bill payment.
Citibank Credit Card Bill Payment Offline
To make the payment process more convenient, Citibank lets you clear your dues through other bank accounts as well. Check out all the payment channels below.
NEFT:
- You will have to add your card as a payee to clear bills using the NEFT facility. Here's how you can get started:
- Log in to your other bank account.
- Select 'NEFT fund transfer'.
- Add your Citibank card as a payee with the below details.
- Payee name - As it's mentioned on your card
- Payee account number - Your credit card number
- Bank name - Citibank N.A
- Payment account type - Choose any account
- IFSC code - CITI0000003
- Branch address - CHENNAI (cardmembers residing in any city can use this branch address to make payments)
- Once you've added your card a payee, you can proceed with the payment.
RTGS:
- For payments via RTGS, you will have to provide the below information:
- Transaction amount
- Account number from which the amount will be debited
- Name of beneficiary customer and bank
- Beneficiary account number
- IFSC code of receiving bank
E-Pay:
There are two ways you can use E-Pay with other bank accounts,on the Citibank website and via other bank's website.
- Via Citibank:
- Go to Citibank's online banking portal.
- Select 'E-pay'.
- Add your credit card number and the transaction amount.
- Select the bank account the amount has to be debited from.
- Log in to your bank account.
- Authenticate the details.
- Confirm the payment.
- It should take two working days for the amount to be credited to your card account.
- Via other bank:
- Go to your bank's online banking website.
- Add your Citibank card as a biller.
- Follow the instructions to make the payment.
- Do note that this option is only available at certain banks, namely HDFC Bank, Yes Bank, ING Vysya Bank, IndusInd Bank, and State Bank of India. The processing time will differ from bank to bank.
ACH/ECS:
- You can have funds credited to your account automatically from your bank account with the Automated Clearing House facility.
- Visit the Citibank website.
- Download the ACH mandate form.
- Add the required details.
- Provide a signed form to the bank, authorising fund transfers from your other bank account.
Card Payment From Other Bank's Website
- Log in to the online banking portal of your chosen bank, choose your Citibank card as a biller, and proceed to make the payment.
Benefits of Paying Citibank Credit Card Bill Online
- It is very convenient to pay your credit card bills online as you can do it from your home and do not have to visit the bank.
- Citibank offers a paperless method of bill payment.
- The processing of the bill is faster when it is online.
- You can set up standing instructions for the bank
- There are generally no fees involved.
Payment Processing Time for the Various Methods
The payment processing time for the various methods of bill payment for Citibank credit cards are as follows:
| Standing instructions |
Instant credit |
| Citi Mobile |
Instant credit |
| E-Pay |
Two working days, excluding Saturdays and Sundays |
| NEFT |
Instant credit |
| RTGS |
Instant credit |
| IMPS |
Instant credit |
| ECS/AHS |
Credited on payment due date |
| Card payment from other bank websites |
Three working days excluding Saturdays and Sundays |
CitiBank Credit Card Statement
Your CitiBank credit card statement will provide the following information:
- Minimum amount due
- Total outstanding amount due
- Due date for the payment
- Billing start and end date
- Interest charges levied, if any
- Accumulated reward points
- List of transactions done on your credit card, both debits and credits, along with the merchant's name
- Transaction amount
- Transaction date
- The credit card statement is sent every month to your registered email address or postal address, depending on which mode of communication you have opted for.
- It is important to go through the credit card statement in detail and report to the bank if there are any fraudulent transactions or discrepancies in the statement in order to correct or resolve the issue.
FAQs on Citibank Credit Card Bill Payment
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How do I check my Citibank credit card payment?
You will get a message once you make your credit card bill payment, so you can view the amount you have you paid.
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How long will it take for the money to be credited to my Citibank Credit Card?
If the status of your transaction on the E-Pay confirmation page has been shown as successful, then, the Citibank Credit Card will be credited after 2 working days (this excludes weekends and bank holidays).
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How do I know that the transaction was successful?
You will get a confirmation message after you make a transaction with your credit card.
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What is the CitiBank credit card payment due date?
The due date of your credit card bill is the date by which you need to pay the bill. After this date, you will have to pay late payment fees.
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How do I know if my bank is listed for the E-Pay service?
You will have to visit Citibank's official website and look for the list of banks that can access the E-Pay service. Currently, 48 major banks in India offer this facility.
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Will I be charged for the E-Pay facility?
No. This service is free of cost.
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I have paid my credit card bill using the NEFT facility. How long will it take for the funds to reflect in my account?
If you have made the transaction before 5:00 pm, the funds will be credited to your credit card account by the end of the day. However, if you have make the transaction after 5:00 pm, the funds will be transferred the next working day. Any fund transfer requests made on non-working days will be transferred on the next working day.
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What's the transaction limit for RTGS?
RTGS is used for large value transactions. While there is no upper limit for your transaction amount, the minimum you can transfer is Rs.2 lakh.
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Are there any charges for RTGS transactions?
Yes. For outward transactions of Rs.2 lakh to Rs.5 lakh, you will be charged up to Rs.30 for each transaction. If your transaction amount exceeds Rs.5 lakh, you will be charged up to Rs.55 for each transaction. There are no charges for inward transactions.
