Paying your credit card bill within the due date has several advantages. You can enjoy zero interest, avoid penalties for late payment, and have access to more funds on your credit card. It also helps improve your credit score and credit history, which portrays you as a responsible borrower and increases your chances of getting credit in the future too, should you need it.
Citibank offers several methods of credit card bill payment to ensure timely and convenient payment of credit card bills. Read on to know all about the different Citi bank credit card payment methods.
There are various methods for paying your Citi bank credit card bill. However, the time it takes to process the credit card bill payment request varies from one method to another. Let us take a look at the limit release time for some of these methods.
Credit Card Bill Payment Methods |
Limit Release Time |
IMPS |
On the same day |
NEFT |
On the same day if done before 6:00 pm. Post 6 pm the amount is credited the next working day |
RTGS |
On the same day if it’s a workday and request for fund transfer request is raised before 04:30 P.M. Else, within 1 working day. |
Citi Bank Net Banking |
1 working day |
Citi Mobile App |
On the same day |
EPAY |
2 working days (excluding Saturdays and Sundays) |
ACH/ ECS |
On the same day |
Card payment from another bank website |
Up to 3 working days (excluding Saturdays and Sundays) |
Visa Money Transfer |
Within 5 working days |
The Citi credit card online payment modes are as follows-
1) IMPS
2) NEFT
3) RTGS
4) Net Banking
5) Citi Mobile
6) Non-Citibank account
7) ACH/ECS
8) Auto debit
9) E-PAY/ Citi Card BillDesk
10) UPI
11) Visa Transfer
If you do not prefer Citi credit card online bill payment or do not have access to any of the Citi card online payment modes, you can opt to pay the bill offline. The Citi credit card bill payment offline modes are listed below-
There are several benefits of opting for Citi bank credit card online bill payment modes. The primary advantage is that the processing time is faster, as a result, the funds get credited to your Citi card faster. It is hassle-free and easy to avail. There is also the convenience of setting up standing instructions for Citi card bill payment through your Citibank account. Lastly, even if you forget and have less than a day to pay your Citi credit card bill, you can do so worry-free through any of the online channels.
Citi card payment through IMPS allows immediate transfer of funds. To use IMPS to pay your credit card bill, you need to follows the steps mentioned below-
For Citi credit payment NEFT, you need to follows the steps mentioned below-
Another means of Citi Bank card online payment is through RTGS. The process for the same is as follows-
If you have a Citibank savings account or a Citibank current account and have registered for online banking you can use it for paying your Citi credit card bill. The steps are as follows
Citi Mobile is a simple and convenient Citi credit card payment option. You can pay the bill by following the below-mentioned steps:
You can pay your card bill through other bank accounts too, by adding your Citibank credit card as your Utility Biller with the other banks. Once added, you can make the Citi card payment by logging into the Online Banking portal of your non-Citibank account. If you are looking to get a credit card, the Finserv MARKETS platform is the best place to apply for a credit card.
Citibank Online Credit Card payment option through a Citibank savings/ current account allows you to set up standing instructions to automatically pay either the total amount due on your credit card or the minimum amount due. This can be set up by logging into the Citibank net banking portal.
Just like the auto-debit feature can be set up on your Citibank account, it can also be initiated through your non-Citibank account. For this, you would need to get a signed mandate on your other bank account through ECS or Electronic Clearance Service to allow auto Citibank credit card bill payment. To avail this facility, you need to download the ECS mandate form, fill in the details and submit the same at the nearest Citibank branch.
The Citibank credit card bill desk payment option is known as E-Pay. If you do not have access to a Citibank savings/ current bank account, you can avail the E-Pay feature to pay your Citibank credit card bill online. Here are the steps you need to follow to pay your credit card bill through Citi card billdesk.
Unified Payments Interface or UPI is another method for Citi bank credit card online bill payment. To avail this, you would need to register yourself with UPI and link your bank account. Once UPI ID has been created, you can use it and your Citibank credit card IFSC code to initiate the bill payment. The steps are as follows-
Citi bank card payment online can be done from a non-Citibank account too using the Visa Money Transfer facility. You can avail it on the internet banking website of your non-Citi account. You would need to enter the credit card details and follow the steps to complete the Citi credit card online bill payment.
You can pay your credit card bill in cash by visiting the bank branch. However, it may be useful to note that credit card bill payment using cash attracts a fee.
Citi credit card bill payment can be done by depositing Demand Draft (DD) or a cheque, with the credit card number mentioned in the back, into a Citibank dropbox. Once the payment has been made, you can expect it to reflect in your account within the next 7 days.
Citi Bank credit card bill payment can be done through online and offline channels. Online, you can opt for IMPS, NEFT, RTGS, Net Banking, Citi Mobile, Bank’s Website, ACH/ECS, E-PAY/ Citi Card BillDesk, UPI or through Visa Transfer. Offline, you can drop a DD or a Cheque at the CitiBank drop box, or pay using cash at a Citibank branch office.
You can check your Citi Credit Card bill using online channels such as net banking, or by using the Citi Mobile app. You could also call the customer care, visit an ATM, or go to a branch office to get the details of your Citi Credit card bill.
Credit that you have used on your Citi bank credit card after the last billing cycle is complete is known as the unbilled amount. This amount is charged in the next billing cycle.