Citi Credit Card Payment

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Citi Credit Card Bill Payment

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.

 How to pay Citi Credit Card Bill Payment Online

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.



  • 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.


 4. EPAY

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

 5. UPI

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

 How to Pay Citi Credit Card Bill Payment Offline

To make the Citi credit card payments offline, these are the methods

 1. Cash

Visit the bank branch and make the deposit. You may need to pay a deposit fee of Rs. 250 and show a PAN card.


2. Cheque/DD

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.

Processing Time for the Different Citi Credit Card Payment Modes


Processing time

Citi Mobile








Standing instructions



2 working days (excludes Saturday & Sunday)


30 minutes


30 minutes


Updated on due date


Updated on due date

Card payment through other bank’s website

Two to three working days (excludes Saturdays and Sundays)

Benefits of Paying Citi Credit Card Bill Online

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

  • Paperless method

  • Usually no fees or charges levied

FAQs about Citi Credit Card Payment

  • ✔️What are the charges levied for using the online payment services for Citi credit card bills?

     Citi credit cards online bill payment service is free of cost, irrespective of the number of bills you pay.  

  • ✔️What are the benefits of Citi credit card online payment?

     Online payment is convenient and hassle-free. Also, the money transfer is made quickly.

  • ✔️Is it possible to pay the Citi Credit Card bill through IMPS?

     Yes, IMPS is the most commonly used method to make payments.  

  • ✔️How do I know that my Citi credit card payment was successful?

     You get a confirmation message that the amount is deducted.

  • ✔️How long will it take for my Citi credit card payment to be processed?

     The payment processing depends on the payment mode.  

  • ✔️How can I pay my Citi credit card bill from another bank?

     The methods like bill desk, NEFT, net banking, ECS, etc., can be used.  

  • ✔️How can I pay my Citi credit card bill immediately?

     You can use IMPS and UPI modes to pay the CC bill immediately.

  • ✔️What are the reasons for failed Citi Credit Card Payment?

     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.

  • ✔️Will I be charged for the Citi Credit Card E-Pay facility?

    No, the E-Pay facility is completely free.

  • ✔️How to check Citi credit card payment?

    You will be sent a message confirming the payment you have made.

  • ✔️Is it necessary to have a Citibank account to make credit card bill payments?

    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.