How to Pay for Your Citibank Credit Card Bill

The Citi credit card happens to be an extremely useful and beneficial financial tool in your everyday world. The Citi credit card not only comes with a vast range of advantages and options, but also has multiple payment options to make things simple and quick for your convenience. Credit card payment in case of the Citi credit card has various modes, keeping in mind the needs of its users. Citi bank credit card payment allows you to choose between the offline as well as online modes of credit card payment. Below is a detailed guide on the modes of payment for the Citi credit card:

Online modes of Citi Credit Card Bill Amount Payment

At large, the following are the two broad options of online Citi bank credit card payment. 

1. You can make the using your citibank account using the following options:

• Online banking – you can use your account at Citibank online to directly make the payment. All you need to do is log into the account, check your card statement, amount of the bill and its due date, and then choose to make the payment and further proceed with the transaction.
• Mobile banking – use the app for Citibank, or go to m.citibank.co.in. Log into your account and complete the transaction using any device from anywhere across the world.
• Standing instructions – in this case, the bill amount will get debited from the account right on the due date of your credit card payment on its own and without fail.

2. You can also pay from another bank account using the following options:

      1. NEFT (National Electronic Funds Transfer): 

• Sign into your other bank account, fill up the details
• Provide the card number as what is required as the account number for the “payee”
• Enter “Citibank N.A.” as the bank name, and your name
• Fill in the branch name and address, IFSC code
• Enter the bill amount and complete the transaction

If the transaction is completed by 17:30 hours on working days of the bank, the amount would be credited that very day surely.

   2. RTGS (Real Time Gross Settlement) – The credit card payment procedure for RTGS is the same as that of NEFT.

       3. E-pay: 

• Enter the credit card number, mobile number, email address, bill amount
• Select “EPay Now” and complete the payment

This usually takes between 2 to 3 bank working days.

      4. ECS (Electronic Clearing System) – this option would allow you to fix a standing instruction that would debit your selected bank account to complete the credit card payment. Provide the mandate and filled form to citibank in order to authorize the procedure and activate the ECS payment option. You may also choose between paying the minimum or the entire amount, or a certain fixed amount while using ECS.

     5. Visa Money Transfer – it would allow you to make the Citibank credit card payment from any separate account of yours. This takes between 2-4 bank working days.

      6. Any other bank website: 

• Sign into the online portal of your other bank account
• Use the “utility biller” section to complete the payment

Offline modes of Citi Credit Card Bill Payment

   1. Dropbox:

• Write a demand draft or cheque for your Citi credit card number
• Deposit the same to any available dropbox

This usually takes about a week for the transaction to get reflected

  2. ATM:

• You may use any available Citibank ATM for making the Citibank credit card payment
• You may make the Citibank credit card payment using either cash or cheque at the ATM

It generally takes cash payments about two days to get reflected on your account, and cheques about seven working days.

    3. Customer care:

• This option of Citibank credit card payment needs you to have a citi savings account
• The IVR procedure would guide you through the payment steps
• Enter the details of your credit card and finish the transaction 4.

   4. Branch office:

• Go to your nearest citibank branch
• You are required to fill up the deposit slip
• Mention the relevant details such as the credit card number and the bill amount
• Submit the slip to the cashier

This takes 24 hours for the payment to be completed. However, this option would also incur a hundred rupee fee along with GST.

Conclusion

If you are using a Citi credit card, remember that it is important to always have a balance amount in your bank that would cover the bill amount under any circumstances. Citibank allows you to make the payment in various options as explained in this article. What you decide to use for making the transaction is up to you, keeping in mind your convenience, time, and ease.