Citi Card Online Payment

Citibank Credit Card Payment

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Citi Credit Card Payment

Citibank credit card payment can be done both through online and offline methods. Citi card payment, when done on time, ensures you do not incur any late fees and other financial charges. If you would like to know more regarding the different aspects of Citibank card payment, then read on.

Citibank Credit Card Online Payment Modes for Account Holders

As a Citibank account holder, you can use any of the online Citibank credit card bill payment methods mentioned below to clear your dues on time:

1) Pay Citibank Credit Card Bill via Net Banking

  • 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 on confirm.

2) Pay Citi Credit Card Bill Using Citi Mobile

  • Download the official Citibank Mobile App and complete the login process.

  • Go to the section marked as ‘Credit Cards’.

  • Choose the credit card for which you want to pay the bill.

  • Select the amount to be paid.

  • Select the account from which you want to deduct the funds.

  • Click confirm to process the credit card payment.

3) Citi Credit Card Bill Payment via Auto Debit

Citibank allows you to set up standing instructions with your Citibank savings/ current account 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 credit card net banking portal and clicking on the Auto-debit option under credit cards.

Citibank Credit Card Online Payment Modes for Non-Account Holders

If you are not a Citibank savings/current account holder, you can use any of the online payment methods mentioned below to pay your monthly credit card dues:

1) Pay Citibank Credit Card Bill via NEFT/RTGS/IMPS

  • Go to the official website of your bank and complete the login process.

  • Under Fund Transfer, click on ‘Add a beneficiary’.

  • Provide your account number as the 16-Digit Citibank credit card number, the IFSC code, and the bank name.

  • Once the beneficiary has been added, go to the fund transfer option.

  • Click on NEFT/RTGS/IMPS, select your beneficiary, and enter the total amount to pay.

  • Choose the account from which you wish to make the payment and click on confirm.

Do note that it can take a minimum of 24 hours to add your Citibank credit card as a beneficiary. As a result, do add your beneficiary in advance to prevent missing payment by the due date.

2) Citibank Credit Card Payment Through Net Banking

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.

3) Pay Citi Credit Card Bill Using 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.

4) Pay Credit Card Bill for Citibank via 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 the Citi card billdesk.

  • Visit the Citibank bill desk on

  • 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.

5) Pay Credit Card Bill for Citibank via UPI

Citi card payment can also be done via UPI, by following these steps.

  • Login to your registered payment app

  • Select UPI as the payment mode

  • Tap on ‘Send Money’

  • Choose to pay using the UPI ID or Citibank credit card account number and IFSC code

  • Enter the amount to pay and make the payment

Benefits of Citibank Credit Card Online Payment

  • Making a Citi credit card payment online is extremely convenient that can be done from any web enabled device from anywhere. There is no need to visit any branch of the bank.

  • The entire process is paperless and hassle-free.

  • When you make a Citibank credit card payment online, the money is credited faster. This is especially useful when you have almost reached the deadline of the payment.

  • You have a variety of options to choose from as per your preference.

Citi Bank Card Payment Offline Methods

If you wish to pay your Citibank credit card bill offline, you can do using any of the two methods mentioned below:

1) Cash Payment at the Bank Branch Office

While you can pay your card bill in cash by visiting the closest branch, the process attracts a fee of ₹250 per deposit. Also for Citibank credit card bill payments above ₹50,000, PAN card verification is mandatory.

2) Drawing a Cheque/DD

Another offline mode is through Demand Draft (DD) or a cheque that can be dropped into a Citibank authorised dropbox. This mode of the Citi credit card bill payment takes the longest time and you can expect it to reflect in your account within the next 7 days.

Processing Time for the Different Citibank Credit Card Payment Modes

Citi Credit Card Payment Mode

Processing Time

Standing Instructions

On the payment due date

Citi Mobile





Within 30 minutes




2 working days (excluding Saturday and Sunday)

Visa Transfer

Within 3 working days


On the payment due date


From 2 to up to 3 days

When can the Citibank Credit Card Payment Not Go Through?

There can be instances when your Citibank card payment fails to get processed. This can be due to different reasons, depending on your chosen mode of payment. For example:

  • Offline Payment: Since this method involves entering information manually, there can be discrepancy in sign on the cheque not matching, overwriting on the cheque, missing out filling some information, incorrect date mentioned etc. Cheques also require 2-3 days of processing time, so you need to have sufficient buffer between making the payment and the due date.

  • Online Payment: Always tally the information such as amount to be paid, account details, IFSC code and other pertinent information before clicking on the submit button. Insufficient funds or a dormant account can also lead to the payment not going through.

FAQs about Citibank Credit Card Payment

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

    When you pay online, you will get a confirmation message that will include the time of payment and the amount deducted.

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

    The payment processing duration depends on the mode of payment. The time taken for different modes can be found in an earlier section of this page.

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

    You can pay your bill from another bank through bill desk, NEFT, net banking, ECS and other modes.

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

    IMPS and UPI are the modes to use if you need to pay your Citi card bill immediately.