It is imperative to make credit card payments on time to avoid late fees. If you are a Citi credit card holder, you should be aware of the Citi credit card online payment and other payment methods as well as the related processes. Depending on your convenience and preference, you can choose either the offline or the online method to pay your credit card bill. Citi credit card online payments can be made through IMPS and NEFT.
You should make the payment a few days before the due date so that you have enough buffer time to let the payment status be updated before the due date. However, if you are paying on the due date, go for IMPS because the fund transfer happens immediately. NEFT payment may take a little more time to get processed. If you would like to know more about the different Citibank credit card payment methods, then here are all the details.
Citi credit card online payment methods give you the freedom to pay from your comfort zone without having to step out of your home or office. You can make Citi credit card online payments irrespective of whether you have an account in the bank. Check out the details below for both account holders and non-account holders.
Citi Credit Card Online Bill Payment for Account Holders
If you are a Citibank account holder, you can use one of the following Citibank credit card payment methods.
1. Net Banking
To make the Citi credit card bill payment online through Net banking, follow the steps below:
Step 1: Visit the official Citibank website.
Step 2: Log in to the account.
Step 3: You will find - The Pay Credit Card Bill option under Banking
Step 4: Select the amount.
Step 5: Choose the account to pay the bill.
Step 6: Confirm and complete the payment.
2. Citi Mobile App
To pay the Citi credit card payment through Citi Mobile, these are the steps:
Step 1: Download the Citibank Mobile App.
Step 2: Visit the section ‘Credit Cards’.
Step 3: Select the credit card
Step 4: Choose the amount.
Step 5: Choose the account.
Step 6: Click on confirm.
3. Auto Debit
Your Citibank savings or current account can automatically debit the amount to make your Citi credit card online payments. You can log on to the Citi credit card net banking and choose the Auto-debit option mentioned under credit cards.
Citi Credit Card Online Payment Modes for Non-Account Holders
If you do not have a Citibank account, you can still make Citi credit card payments online.
1. NEFT or RTGS or IMPS
Step 1: Visit your bank website
Step 2: Add a beneficiary. It may take 24 hours for the bank to add a beneficiary
Step 3: Mention your account number. It should be a 16-Digit Citi credit card number
Step 4: Mention the IFSC code and the bank name
Step 5: When the beneficiary is added, go to the ‘fund transfer’
Step 6: Click on NEFT or RTGS, or IMPS
Step 7: Enter the amount payable
Step 8: Select the account you want to make the payment from
Step 9: Confirm
2. Net Banking
You can make your Citi credit card payment through other bank accounts. Add a Citi credit card to the Utility Biller, and then make the payment by logging into the net banking portal of your other bank.
3. ACH or ECS
Similar to the auto-debit feature, even a non-Citibank account can facilitate the same. To do this, you can get a signed document from your other bank. ECS or Electronic Clearance Service will allow the automatic Citibank bill payment. Get the ECS form, fill it out, and submit it at the Citibank branch.
One of the Citi credit card payment methods is E-Pay.
Step 1: Open the Citibank epay link
Step 2: Enter Citi credit card.
Step 3: Mention your contact number and email ID.
Step 4: Select the account
Step 5: Click on the ‘E-Pay Now’.
Step 6: Entering the OTP.
Step 7: Confirm the payment
To make your Citibank credit card payment via UPI, these are the steps.
Step 1: Log in to your payment app
Step 2: Select UPI
Step 3: Choose ‘Send Money’
Step 4: Use UPI ID or CC number
Step 5: Enter the amount
To make the Citi credit card payments offline, these are the methods
Visit the bank branch and make the deposit. You may need to pay a deposit fee of Rs. 250 and show a PAN card.
Drop a check or DD to the bank's dropbox. This Citibank credit card payment mode takes the longest time, and you can expect it to reflect in your account within 7 days.
When you make a Citi credit card payment, different payment methods require different processing time to update. So, depending on the bandwidth you have, you can choose any method. For immediate payment and status updates of Citibank credit card payment, you can choose either Citi Mobile, Netbanking, UPI or IMPS. You can also consider giving standing instructions for your credit card bill payment to benefit from instant credit.
If you are using E-Pay, you can expect the payment to reflect within 2 days but you will have to account for working days. Apart from these, if you wish the status to be updated within 30 minutes, NEFT/RTGS is a good choice. ACH and ECS payment is updated on the due date. Finally, if you are paying through card form another bank’s website then also you can expect a 2-3 day processing time. Note that offline payment methods are likely to have the longest processing time.
Some of the benefits of paying your Citi credit card bill online are:
Quick processing time
No bank visit required
Convenience due to the various options of payment available
Usually no fees or charges levied
Citi credit cards online bill payment service is free of cost, irrespective of the number of bills you pay.
Online payment is convenient and hassle-free. Also, the money transfer is made quickly.
Yes, IMPS is the most commonly used method to make payments.
You get a confirmation message that the amount is deducted.
The payment processing depends on the payment mode.
The methods like bill desk, NEFT, net banking, ECS, etc., can be used.
You can use IMPS and UPI modes to pay the CC bill immediately.
The reasons for failed Citi credit card payment may be:
When the users use an offline method, many times, the information is incorrect or missing, leading to failed payment.
When people do not tally the information filled out online, it may lead to failure.
Insufficient funds or dormant accounts also do not let the payment pass through.
No, the E-Pay facility is completely free.
You will be sent a message confirming the payment you have made.
No, it is not necessary to have a Citibank account to make your credit card bill payments. These payments can be made from bank accounts of other banks as well.