Citibank Credit Card Payment

Citibank Credit Card Payment

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.

Best Citibank Credit Card Bill 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.

Modes of Citibank Credit Card Online Payment

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

Modes of Citibank Credit Card Offline Payment

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-

• Citi Bank credit card bill payment using cash at a branch office
• Citi card bill payment through Cheque/DD

What are the Benefits of Citibank Credit Card Online Payment?

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.

All About Citibank Credit Card Payment Online Modes

1) IMPS

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-

• Go to the official Citibank website and complete the login process
• Click on the IMPS fund transfer option
• Add the details of your Citibank credit card, account name, account number and IFSC code as the payee for the IMPS fund transfer
• Click confirm

2) NEFT

For Citi credit payment NEFT, you need to follows the steps mentioned below-

• Go to the official Citibank website and complete the login process
• Under Fund Transfer, select NEFT
• Provide your Account Number as the 16-Digit Citibank Credit Card number
• Enter the IFSC code, the bank name, and the total amount
• Choose the account for payment and click confirm

3) RTGS

Another means of Citi Bank card online payment is through RTGS. The process for the same is as follows-

• Go to the official Citibank website and complete the login process
• Under Fund Transfer, select RTGS
• Provide your Account Number as the 16-Digit Citibank Credit Card number
• Enter the IFSC code, the bank name, and the total amount
• Choose the account for payment and click confirm

4) Net Banking

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

• Go to the official Citibank website and complete the login process
• Under Banking, click on the Pay Credit Card Bill option
• Choose the amount you wish to pay
• Select the account through which you intend to pay
• Click confirm

5) Citi Mobile

Citi Mobile is a simple and convenient Citi credit card payment option. You can pay the bill by following the below-mentioned steps:

• Go to the official Citibank Mobile App and complete the login process
• Go to the section marked as Credit Cards
• Choose the credit card
• Select the amount to be paid
• Select the account through which you intend to pay
• Click confirm to process the payment                                                                                  

6) Non-Citibank Account

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.

7) Auto Debit

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.

8) ACH/ECS

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.

9) EPAY

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.

• Visit the Citibank bill desk on https://pgi.billdesk.com/pgidsk/pgijsp/citicard/citibank_card.jsp
• Enter and confirm your Citibank credit card
• In the respective fields, fill your mobile number and your email ID
• Enter the account through which you intend to pay
• Select the account through which you intend to pay and click on the ‘E-Pay Now’ button
• Once redirected to the net banking interface of your preferred bank, authorise Citi credit card payment by entering the OTP received

10) UPI

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-

• Select UPI as the mode of Payment
• Click on the Send Money option
• Enter the UPI ID or the Account number and your Citibank credit card IFSC code
• Enter the amount to be paid, type the payment remarks, and complete the payment

11) Visa Transfer

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.

All About the Citibank Card Payment Offline Methods

1)  Cash Payment at the Bank Branch Office

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.

2)  Drawing a Cheque/DD

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.