By Shubham Sharma
Updated On May 17, 2024

Late bill payments on your credit card have an adverse impact on your credit score. Hence, it is important to make credit card bill payments on time to avoid the interest charges and late fee charges on your outstanding amount. Citibank provides you several convenient payment options that you can choose from to make your credit card bill payment conveniently.
Citibank Credit Card Bill Payment

How to Make your Citibank Credit Card Bill Payment Online?

Citibank customers can use the below-mentioned methods of payments to pay their credit card bills online.


Citibank customers can make online bill payments of their credit cards using the net banking service. The cardholder needs to register themselves to avail of this facility.

Below are some steps you can follow to make bill payments using the Netbanking service for Citibank account-holders
Step 1: Visit Citibank online Netbanking website
Step 2: Select the E-pay option
Step 3: Provide credit card details and the payment amount
Step 4: Log into your bank account using your credentials
Step 5: Verify your details and confirm the payment

Non-Citibank accountholders can use the following steps to make online bill payments of their Citibank credit card.
Step 1: Visit your respective bank’s online banking portal.
Step 2: Select your credit card to complete the transaction.
Step 3: Transfer the required funds from your Saving or Current account with your respective bank.

Mobile Banking

The Citibank account holders can also make use of the mobile banking app to make their online bill payments. There are several additional features you can avail yourself of through mobile banking.

    • View your credit card statement,
    • Check your card balance,
    • Activate auto-debit on your credit card
    • Convert your purchase into EMI transactions

Below are mentioned steps you can follow to make payment via mobile banking
Step 1: Download the Citibank Mobile App from Google Play Store (Android Users) and App Store (IOS Users)
Step 2: Log into your Citibank mobile app using  your credentials
Step 3: Go to the credit card tab and click on the credit card payment option
Step 4: Make payment and complete the transaction.

Payment via NEFT/IMPS

Non-Citibank customers can make online bill payments of their  Citibank credit card using the NEFT service. The cardholder needs to register for the NEFT facility in order to avail of this service. It is another convenient and hassle-free method of payment.
Step 1: Get started by logging into your respective bank’s Netbanking portal
Step 2: Choose NEFT/IMPS/Fund Transfer as the payment method.
Step 3: Select your savings bank as Payee Account and enter your CitiBank credit card details
Step 4: Make payment to complete the transaction

Payee Name  Customer Name ( as provided on the card )
Payee Account Number  16-digit number on your Credit Card 
Select Destination Bank  Citibank
Bank Address  Chennai
IFSC Code  CITI0000003

Standing Instruction

In addition to this, Citibank can also use the auto-pay facility to pay the outstanding balances on their credit card. Using this feature, the customer instructs the bank to deduct the outstanding amount from their account every month. The minimum due amount or the total amount due amount is deducted as requested by the customer. The customer needs to download an auto mandate from authorizing the bank to deduct the outstanding amount from the cardholder’s account.

Visa Money Transfer

Citibank customers can use the Visa money transfer to pay the outstanding balance of their Visa credit card. You simply transfer funds from your respective bank account using the Visa money transfer service. You can use this service by logging into your internet banking account.

How to Make your Citibank Credit Card Bill Payment Offline?

Citibank customers can pay their outstanding credit card bills offline by visting their nearest Citibank branch or ATM.

Payment Via Debit Card

Citibank Bank customers can make online bill payments of their credit card by visiting a nearby CitiBank ATM. You can make this payment by transferring funds from your savings account to a credit card using your debit card.
Step 1: Visit the nearest ATM.
Step 2: Click on the Service tab button after selecting the bill payment option using your debit card.
Step 3: Provide your Citibank credit card number and the total amount to be paid.

Over the Counter/ Cash Payment

The cardholders can pay their credit card bill through cash deposit by visiting your nearest Citibank branch. You will be charged a processing fee of Rs 100 on cash payment. You shall receive an acknowledgment related to the processing of payment at your registered email Id or mobile number. 

Cheque Payment

You can also make your outstanding bill payment by dropping a cheque in the drop box at a nearby CitiBank branch. The cheque should be made payable to CitiBank Card A/C and should include your Citibank credit card’s 16-digit number.


These are some convenient methods of payment provided by Citibank for its customers. You can opt for any of the abovementioned methods of payment that suits them best. You can choose from online and offline methods to pay your total due amount and minimum due amount on your Citibank credit card to avoid late fee payment or interest charge on your bill amount.


The IFSC code for Citibank credit card bill payment is CITI0000003
You can pay your outstanding credit card bill via the following mentioned methods
  • NetBanking
  • Mobile Banking
  • Standing Instruction
  • Visa Money transfer
No, you are charged with any processing fee on transactions made using NEFT transactions as per RBI guidelines
Yes, you will get a unique reference number on completing your transaction using the NEFT service.