Citibank Credit Card Bill payment - Pay Online & Offline

Once you make purchases using your CITI BANK credit card, you have got to pay the used amount back to the bank. This must be done once your CITI BANK credit card statement is generated for a particular period.  CITI BANK credit card offers a few ways, each online and offline, to pay your credit card bill quickly and conveniently. each method features a totally different payment processing time, that you need to be aware before initiating credit card bill payment.

Payment Method

These are the widely used methods for online payment of credit card bill. You can follow the underwritten steps for making the payment.

  • Internet banking

Processing time- Instant

  • Login to Citibank online Banking Portal using your registered customer ID and PIN
  • Go to the ‘Banking’ choice and click on ‘Pay credit card Bill’
  • Select the amount to be paid- total due, minimum due or a custom amount
  • Select the Citibank account from which payment is to be made
  • Proceed to payment
  • Mobile banking

Processing time- Instant

  • Visit Citibank’s mobile banking portal
  • Login using your registered Customer ID and password
  • Go to ‘Credit Cards’ and choose the credit card
  • Select the account for payment and the amount
  • Proceed to payment
  • Citi Mobile App

Processing time- Instant

  • Login to Citi Mobile App using your credentials
  • Visit the ‘Credit Cards’ section
  • Select the credit card and also the amount you would like to pay
  • Select the account through that payment should be made
  • If you do not have a Citibank savings/current account, the method can route you to the bill-desk
  • Proceed with the payment


CITI BANK offers a few other methods of Online Bill Payment.

  • Money Transfer
  • ECS
  • Mobile Application
  • CITI BANK Auto Debit
  • RTGS
  • E- pay (Bill Desk)
  • NEFT
  • Credit Card


People who are not comfortable with online bill payment can opt for offline payment of bills. CITI BANK offers a few other methods of Offline Bill Payment.

  • DropBox
  • Branch Visit

Moratorium on CITI BANK Credit-card Bill Payment under RBI’s COVID-19 regulatory

Following the guidelines mentioned in RBI’s COVID-19 regulative Package, CITI BANK Card is permitting its cardholders the facility to avail moratorium on bill payments. Here are the necessary highlights of this facility:

  • All credit card holders who are making bill payments frequently and don't have any overdue are eligible for the moratorium
  • Interest charges are going to be applicable on the outstanding amount even during the moratorium period
  • Late payment charges won't be applicable
  • To opt for a moratorium, you need to place a letter of invitation with the bank five days before the payment due date
  • This is not a discharge of the outstanding amount or EMI, simply a deferment till August 2020
  • Cardholders will need to pay the whole outstanding amount along with the accumulated interest charges on the next due date after August 2020
  • Opting for the moratorium period won't have an effect on your credit score


For more details related to the COVID-19 Moratorium period.


These are some of the frequently asked questions (FAQs) by customers related to CITI BANK Credit Card.