How to Make Payment with Your Citibank Credit

Citibank offers diverse banking and financial services to individuals and that includes its credit cards. This credit card gives users benefits in different categories like shopping, travel, rewards and lifestyle.

Citibank Credit Card Payment
Citibank Credit Card Payment

And they come in the form of cashback, rewards and air miles. You can get this card to make purchases if you meet the eligibility criteria. But right now, we will discuss how you can make payment with a Citibank credit card.

Citibank Credit Card Payment

Citibank is one of the leading banks in India and it has changed the way we make payments. It has online and offline payment options and through its online credit card payment feature, its card users can now make payments from the comfort of their homes without worrying about anything.

This online payment method is fast, secure and easy, it also enables card users to make payments without any hassle. It is also reliable and users do not have to worry about their payment not being processed.

How to Make Payment with Your Citibank Credit

If you are a Citibank credit card user, you can use any of the methods below to make payments with your credit card online and offline.

Online Method of Making Citibank Credit Card Payment

There are ways to make Citibank credit payments online. Scroll down to find out how.

Make Payment with BillDesk

Bill desk is a payment platform that enables you to make Citibank credit payments. To do this, follow the steps below.

  • Go to the Citibank credit card BillDesk website.
  • Fill in the needed details including your 16-digit credit card number, email ID, and the amount you want to pay.
  • Then you choose a payment option.
  • And you confirm your payment.

Make Payments with Net Banking

To make a payment with Citibank Internet banking, you will need to create an account first. Then you log in to your account, choose the right credit card, choose the amount you want to pay, and then confirm the transaction.

Make Auto-Pay Payment

If you easily forget to make payments with your Citibank credit card, then you will need to make auto payments. You have to choose the payment amount, that is the outstanding or minimum due, and the payment date. Then you authorize your bank to deduct the credit card bill every month from your account automatically. The bank will deduct the payment automatically once the bill is generated.

Make Payment with The Mobile App

If you decide to make a payment with the Citibank mobile app, follow the steps below.

  • First, you download the Citibank app from your device’s app store.
  • You log in to the app.
  • Tap on the credit card section.
  • Choose the card from the options.
  • Enter the amount you want to pay.
  • Then tap on pay to confirm your payment.

Make Payment with Neft (National Electronic Funds Transfer)

If you want to make a payment through the NEFT payment facility, follow the steps below. But you have to add your Citibank credit card as a payee or beneficiary.

  • Log in to the other bank account.
  • Then add the Citibank card as the payee.
  • You will need to enter the required details.
  • Then proceed with the payment.

Make Payment with RTGS (Real-Time Gross Settlement)

If you want to make a Citibank credit card payment using the RTGS platform, you will need to provide the required information below.

  • The amount you want to pay.
  • The account number which the payment will be made from.
  • The beneficiary’s name and bank.
  • The beneficiary account number.
  • And the IFSC code of the receiving bank.

This process is just like the NEFT payment process, so you can scroll up for more information.

Make Payment with UPI (Unified Payments Interface)

You can make your Citibank credit card payment through UPI. Follow the steps below to do so.

  • First, create a UPI ID.
  • Then log in to your mobile banking app.
  • Tap the bill payment option.
  • Then choose the credit card options.
  • Fill in your credit card details and the amount you want to pay.
  • Then make your payment.

Offline Method of Making Citibank Credit Card Payment

There are offline methods of making Citibank credit card payments. The methods are listed below.

Cash Payment

If you want to make a cash payment with your Citibank credit card, you will need to go to the nearest Citibank branch to deposit the money at the counter meant for credit card bill payment. However, Citibank charges a processing fee for cash payments.

Cheque Payment

To make a cheque payment with a Citibank credit card, you will need to write the cheque in favour of your Citibank card number. Then you fill in the amount you want to pay and drop the cheque at the ATM or any designated cheque dropbox. Following this guideline will enable you to make a cheque payment with your Citibank credit card.

Atm Funds Transfer

If you want to make payment with your Citibank credit card through ATM funds transfer, you will need a Citibank debit card. If you have the card already, you just need to swipe it at the ATM, then from the menu, choose ‘credit card payment’, and then follow the guidelines to pay your bill.

How Long Does It Take for Citibank Credit Card Payment To Be Processed

Processing of Citibank credit card payments will depend on the platform you use for payment. However, here is a breakdown of how long a Citibank payment takes to process.

Payment MethodProcessing Time
Net bankingThe same day
Mobile appThe same day
NEFT1 working day
RTGS1 working day
Citibank BillDesk2 – 3 working days
cashThe same day
chequeIt takes up to 2 days for the Citibank check


While it takes 3-5 days for cheques from other banks

ATM funds transferThe same day


Frequently Asked Questions

How Do I Communicate with Citi Customer Service?

If you use a Citibank credit card and you want to speak to a customer service representative, you can do this by calling the customer service number, or you can call the number on the back of your card.

Will I Attract a Late Fee If I Make A Citibank Payment On The Due Date?

The bank will give you two to three days of grace to make your payments. Therefore, it is best to make payment before the date advance to escape the late fee attached to making late payments.

Do I Need to Have a Citibank Account to Make My Credit Card Payment?

You do not have to because card users who do not have a savings account can pay through BillDesk, NEFT and other methods.

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