The online bill payment facilities offered by different banks have made it easy for customers to overcome the hassle of bill payment. Gone are the days when customers have to wait for long in the queue for bill payment. Whether it is utility bill payment or credit card bill payment, it can be done easily with online facilities offered by most banks these days. One such is Citibank that allows paying credit card bills online. In addition, the bill payment facility can be availed in offline mode as well. You get to know about bill payment in a timely manner as you are notified about bill payment. This can be done irrespective of time and place, and you can look for the next bill payment dates and dues when availing of the facility online. Check steps to Citibank Credit Card Payment online and offline.
Citibank offers both online and offline modes of paying credit card bills. You may wish to make the payment in offline mode with the help of demand drafts or cheques. You have to submit the same to the nearby Citibank branch. Other than this, there are two other offline modes of credit card bill payment in the offline mode which is mentioned in the following part of the article.
How to Pay Citibank Credit Card Payment Offline?
- Payment through ATM
To clear credit card bills, you can use any Citibank ATM. You have to follow the instruction that is given by the ATM machine. The payment should be done cheque, demand draft method, or account transfer from any linked account of Citibank. It takes 2 days for cash payments to show the effect while cheque payment takes almost 7 working days. Other than this, account transfer takes place quickly within minutes. Since ATM service is available for 24×7, you can make the payment through cash or Cheque any time you want in a week. However, this option is suitable for professionals who do not get much time in between banking hours to visit the bank branch and make the payments.
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You can make the credit card payment dues by means of a cheque and put it in dropbox which is available in a number of places in the country. In the cheque, you should mention your credit card number including other vital details. For any assistance, you should seek help from the nearby bank branch so that you are able to make the payment easily. This mode of payment takes up to 7 days to complete the procedure and show the cash deduction in your account. Until internet banking came into being, this mode was used for making bill payments. So, it is also used nowadays when you just have to drop a demand draft or cheque for paying your credit card bills and drop it in the box.
Online Mode For Credit Card Bill Payment:
The online method of payment is the preferred option by many people whether it is utility bills or credit card payments. This trend has come into being ever since people have come to know about the benefits of internet banking including mobile banking. It is easy and convenient for users, and much opted option among others. Without visiting the bank branch or bank ATM, people can easily make the payment for their credit cards. Even they can transfer the money from the Citibank account.
- Internet Banking
If you have access to online banking via Citibank linked account, you can sign in to the same and check your credit card bill. In addition, you can also check the due date and amount that you have to pay. For any credit card transactions, you can easily check it via your account.
The credit card payment that you make via your Citibank linked account shows effect within one business day. You can get this service if you are a registered customer with the bank. You can log in to the internet banking service with the help of login credentials that the bank has provided.
- Mobile Banking
For using mobile banking, you have to download the mobile application and install it. You are ready to use it and log in to the mobile banking application. You should have a stable internet connection on the mobile that shall help to access the mobile application. In this way, the payment can be done within few minutes. One of the advantages of using this application is that you can access mobile banking irrespective of time and place. For the credit card payment, it only takes one single working day to show the payment reduction in your bank account.
- Debit Instructions
Standing instruction can be set with linked Citibank for an auto-debit process for payment of credit card bills. Either a minimum amount or a full amount can be set from the account. This is done automatically as per the given instructions, and you will receive notification from the bank after the reduction takes place.
How to Make Citibank Credit Card Bill by Using Different Bank Accounts?
To make credit card bills of Citibank, you can pay it using other bank cards as well. There are several options to make payments using a non-Citibank account.
- E-pay – This is an online portal provided by Citibank bank through which people can make credit card payments by using their non-Citibank bank accounts. Along with credit card details, payment details, you have to enter the other bank’s details.
- NEFT – Here, you only have to add a credit card number as the payee account number. The money is credited during working hours instantly.
- RTGS – For clearing large outstanding dues, this method is the best option. The minimum amount to be transferred via this method.
- Non-Citibank bank’s webpage – You only have to log in to the online portal of your bank and provide Citibank credit card details to complete the payment.
- Electronic Clearance System or ECS – This is similar to an auto-debit method. This is activated by submitting the form to a concerned bank branch. You can decide on the total amount, fixed amount, or minimum amount to be paid.
Citibank Credit Card Customer Care
One can always call on the toll-free number 91 22 4955 2484 during any issue related to Citibank credit card.
However, the user needs to verify their identity before asking anything from the customer care executive.
Frequently asked questions
How do I know if my bank is listed for E-Pay service?
For this, you need to visit the Citibank official website to see if the bank is listed for using the E-pay service. To be an instance, more than 48 banks are now supporting E-Pay service.
How much I will get charged for using an online facility?
There is no charge for using the online facility.
I have paid my credit card bill using the NEFT option? How much time it will take to get it updated in the credit card records?
If the payment is made before 5 PM then it will get reflected in the credit card statement till the end of the day. However, if the payment is done after 5 PM, then it gets reflected in your credit card statement on the next working day.
What are the charges for NEFT Transactions?
If you have transferred money to the Citibank credit card? Then, there are no charges for using NEFT transactions.
What is the transaction limit for RTGS?
There is no maximum limit for transferring the payment through RTGS to the credit card. However, the minimum amount needs to be 2 Lac or above.
In how many days the payment gets reflect in the credit card statement?
The payment will get reflect on the credit card statement within three working days. Sometimes, it even gets reflected on the same day.
Is it safe to make credit card payments online?
Yes, it is 100% safe to make credit card payments online. However, we always recommend paying using the official bank’s website to avoid any fraud.
What are the offline ways to make the Citibank credit card payment?
You can make the Citibank credit card payment offline using:
- Bank draft
- Home branch
How to contact Citibank customer care regarding any payment issue?
You can always call on the toll-free number 91 22 4955 2484 during any issue related to Citibank credit card payments. However, the payment usually gets reflected on the credit card statement within three working days.
We advise you to wait for three days before raising any complaint. Additionally, one can send an email to the customer executive.
Here we come to an end. This article is all related to Citibank credit card payment. In this article, we have added a piece of complete information for paying Citibank credit card bill online. We have even added the offline process to make it easier for the readers.
If there is anything apart from this regarding Citibank credit card? Feel free to ask us in the comments section.