FAQ - Paying Utility Bills Using Citi Debit and Credit Cards

Did you know that you can pay all your Utility Bills electronically using your Credit or Debit card? Citibank Bill Pay is one stop solution for all your payment needs - we have over 200 billers for you to choose from and make payments. What’s more is you can register for it via Citibank Online or the Citi Mobile app in few, easy steps. Read more to find out how!

Register for and manage bill payments

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How do I register for Bill pay?

You can register for the Bill payment facility by logging on to Citibank online with your User ID and Password (IPIN). Once you login

Step 1: Click on ‘Bill Pay’ / ‘Pay Utility Bills’ on the left hand panel in the ‘Banking /Credit card’ tab

Step 2: Search for a new biller or click on Category icon to proceed.

Step 3: Select the Card/ Account and select option ‘Register’

Step 4: Select the type of registration – ‘Auto pay (with / without limit)’ or Confirm & pay

Step 5: Enter the biller details & authenticate using OTP received on your registered mobile number for confirmation

Funds Transfer

How long will it take for the Bill Pay registration to be completed?

Post successful registration, biller validates your details. Upon successful validation, biller will start sending across the new bill from next billing cycle for your registration.

Convert Credit Card spends to EMIs

How much time does it take for the biller to receive a payment when I make a payment through Online Bill Payment?

In most cases, the funds should reflect in your billers account within 2 working days (excluding Saturdays, & Sundays and any public holidays). To ensure there is no disruption in service from the biller’s side, please ensure bills are paid at least 3 working days before due date.

Wallet Recharge

What are the types of Bill Pay facilities offered by Citibank?

You can use the Bill Pay facility in the following ways:

  • One-time bill payment - You can use our one-time Bill Payment option to make an immediate payment for your bill. You can save the details and add the biller to your 'Biller List' for future payments.

  • Auto Bill pay - You can use our Auto Pay bill payment option and have your bills paid automatically every month.

  • Confirm & Pay - You can use this option to view your bill before you make the payment. Citibank will track your bill and intimate you when your bill is received. view your bill amount and confirm (upto 3 working days before due date) to make your bill payment.

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What are the types of utilities to which payment can be made using the Bill Pay facility?

With the Bill Pay facility, payment can be made for various categories of billers like electricity, mobile, telephone, mutual funds, gas etc. To know the list of billers for your city, please click here, choose the 'Billers' tab and select the city.

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What is the procedure to delete/de-register a Payee/Biller?

Procedure to delete / de-register a Payee / Biller:

  • Step 1: Login to Citibank Online

  • Step 2: Click on ‘Bill Pay’ / ‘Pay Utility Bills’ on the left hand panel in the ‘Banking /Credit card’ tab

  • Step 3: Select the biller you want to de-register from your list of saved billers and click on the 3 dots on the top right to de-register.

  • Step 4: De-registration screen opens. Click on de-register to confirm

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How do I cancel a Bill Pay facility registered on my card?

In order to deregister for the Bill Payment facility on your card, you may login to our website and place a request to deregister for the particular bill pay service.

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I want to make a Bill Payment only for 1 month. Can I make a payment using my Citibank Account or Credit Card?

You have the flexibility of making Bill Payment even for 1 month. Please login to Citibank Online to check the list of billers available. If the biller you want to make a payment to supports "One-time" payment towards the bill, you can use this option. Please note: There are some billers who insist that the customer register their bill details first so that they can validate before accepting a payment from customer. Such bills cannot be paid through one-time payment mode.

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I have registered for Auto Bill Pay facility on my Citibank Account or Credit Card today on Citibank online and my payment is due next week. Will my payment be made for the bill?

Once you register your bills on Citibank, registration details are instantly sent across to your Biller for validation. Upon successful validation, biller will send across your bills to Citibank, from next billing cycle onwards. Upon receipt of your bill at Citibank, SMS/ Email alerts are sent to you. In case your bill is already generated by the time of registration, we suggest you pay your bills directly to the biller.

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By when will my registration be confirmed if I register for an auto bill payment facility today?

Registration details are instantly sent across to your Biller for validation. Upon successful validation, biller will send across your bills to Citibank, from next billing cycle onwards.

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I have registered for the Auto Bill Pay facility with a Fixed limit; however my bill amount is more than the cap limit. Can you make payment for the entire bill amount?

As per the Auto Bill Pay facility with a Cap limit, the payment would be made for the total bill amount or the fixed amount, whichever is lower. In order to make the balance payment, we would please request you to get in touch with the service provider.

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I want to register for a bill payment facility on my Citibank Account / Credit Card. However I want Citibank to make payment only when I instruct because it will not be possible for me to carry my bill details every time when I call. Would it be possible?

You may register for the ‘Confirm & Pay’ , where we send you Email/ SMS alerts on receipt of your bill from the biller. You can login to our website www.citibank.com/india or Citi Mobile to make the payment 3 days before the due date. In case we do not receive any instructions from your end, your payment will not be processed.

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I have registered for a bill payment facility on my account a week back. Will I get a confirmation from Citibank?

Your registration details will be validated by biller. In case the validation is successful, biller will share your bill to Citibank from next billing cycle onwards.

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My Citibank Account / Credit card is debited with the bill payment. But the payment is still not reflecting in my Utility account. Can you check what the issue is?

The bill payment gets transferred to your utility account in 2-3 working days. However since your account has already been debited, you may get a confirmation from the Utility service provider, if you give them Citibank's transaction reference number.

In case of any issues, please contact your Service Manager, Relationship Manager or visit our customer service page by clicking here

Impact on your Citibank registered utility bill payments in case your Credit or Debit card is reissued/renewed/lost/ stolen/ damaged/temporarily blocked

What is the impact on my Standing instructions for utility bill payments (e.g. Electricity, DTH, etc) for the below scenarios:

My card is expiring and it is being renewed No worries, bill registrations done on Citi Bill Pay will get migrated to the reissued/renewed card. Registrations done on 3rd party merchant website won’t be migrated.
I have reported my card as lost/stolen and I have applied for a new card
I have applied for re-issuance of my damaged card
I blocked my card temporarily using the card block/unblock feature on Citibank Online/ Citi Mobile app No worries, there is no impact to your SI registered via Citibank Bill Pay
I have reported my card as lost/stolen but I don’t want to re-issue the card If there is no active card available for the account, the bill payment will get rejected
My account is temporarily restricted (for example, account has been blocked) The bills will be rejected until the account is normalized
My credit card is blocked due to delinquency The bills will be rejected until the card restrictions are lifted
I have permanently closed my credit card/bank account The Bill Pay SI will no longer be valid

Note: The above details are indicative of the Bill Pay, Credit card and bank account functionality in normal circumstances. Please refer to your credit card/bank account T&Cs for more details. Alternatively, you can contact your Service Manager, Relationship Manager or visit our Customer Service page by clicking here.