How to Link Credit Card to Citibank Bank Account

A credit card is a handy tool to have when you are in a situation where you need to make a payment but you are short on funds. Not only does it bring with it a certain level of convenience, a credit card can also help you when you apply for loans as a well-maintained credit card history can do wonders with your credit score.

Credit cards are mainly used to make payments for the purchase of goods or services from a merchant or Point of Sale (POS). The amount that you spend using your credit and will have to be repaid at a predetermined date that has been set by the credit card company.

Credit cards are also used to make online bookings and purchases. Linking your credit card to your bank account comes with a number of benefits that can make the life of a cardholder a lot easier. Here are some of the benefits of linking your credit card to your bank account:

• A credit card can be used to make various payments like utility bills, airline tickets, etc. online.
• You can have your credit card bill paid on time automatically by linking your Citibank credit card and your bank account. This will ensure that you do not miss any payments that needs to be made.
• You can change the ATM PIN of your credit card online.
• You can view and make a request for your statement via email.
• It is a hassle-free process.

How do I link my Citibank Credit Card to my bank account?

Linking your credit card to your bank account is an important step to take if you intend on making your life a lot more convenient. You would then be just a single swipe away from your money. Credit cards gives us easy access to our money and eliminates the need to carry large bundles of money when we need to purchase a service or product. Listed below are the simple steps that you need to follow if you want to link your Citibank credit card to your bank account:

• Visit the official website of Citibank and login to the website using your details.
• On the homepage of the bank, click on “Service Requests” or “Requests”.
• Over here, you will see an option to link your Citibank credit card to your bank account. Click this option.
• You will have to enter your personal details as well as any information related to your credit card that the site requires. This could include details such as your card number, CVV, expiry date, mobile number, email ID, and date of birth.
• Once all the card details have been entered, click the “Submit” button.
• As soon as you have clicked the “Submit” button, you will receive an OTP (One Time Password) on your registered mobile number.
• Enter the OTP that you have received on your mobile number and then click “Submit”.
• As soon as this is done, the bank will take anywhere between 24 and 72 hours to process your request and approve it. Once this is done, your credit card will be linked to your bank account and you can enjoy all the benefits that comes with it.

You will be required to register for this facility only once, after which you can enjoy the provision of easily accessing your credit card at any time and place of your choice. NetBanking facility is also provided once you link your credit card and bank account.

How do I make credit card payments?

There are a number of banks which offer a number of different channels that can help you make various payments using your credit card. Here are some of the channels which are most commonly used by the people to make their purchases:

• NEFT
• Cash payment at a branch
• Net banking
• Cheque/Draft payment at branch
• Auto-debit facility
• Using the bank’s mobile app
• Through debit cards

Banks also provide the facility of clearing your dues on your credit card by using your debit card.

Things to keep in mind when linking your Citibank credit card to your bank account

• Personal details like name, date of birth, address, etc. should match on all accounts with the details submitted when applying for your credit card.
• You will not be able to link multiple accounts together online. You will have to visit the nearest Citibank branch and download the form and submit the same to the bank.
• If you have an NRI account, you will not be able to link your credit card.
• You can link all your credit cards to your bank account which makes the payment of any dues a lot easier to do as you will have to access only one portal to make these payments.

Credit cards have become a vital tool to have when you’re making online purchases of any goods or services. It is a safe and poses lesser amount of risk when compared to carrying around large bundles of money. Flexibility in making payments of bills through various channels offered by the bank has made the life of a credit cardholder a lot easier.