Online Card Payment | Citi India

Just realized you have less than a day to make your Citibank Credit Card payment? No worries! You can still make payment on time through Citibank Online, Citi Mobile or NEFT.

Top reasons to pay Credit Card bill online

Get your funds credited to your Credit Card faster
It's hassle-free
Option to set up standing instruction from a Citibank Bank account

Citibank offers the following Modes for Credit Card payment

From your Citibank account
In Citibank Online - Standing Instruction	With Citibank Online Credit Card payment option you can set up a standing instruction to pay either minimum amount due or total amount due.
Citi Mobile	Citi Mobile is the most convenient payment option to pay Citibank Credit Card from your Citibank Account. Its simple to pay using your mobile. "Just visit m.citibank.co.in to pay your Credit Card bill using your mobile."

From your Other Bank account
IMPS and NEFT (new)	With IMPS option, credit card bill payments can be made 24X7 (including holidays) from any of your bank accounts Know More.
RTGS	Payments initiated by customers through RTGS prior to cut-off would be credited to the card account by end of the same business day. Funds transfer request before 04:30 P.M on weekdays and working Saturdays are credited on the same day. Funds transfer request post 04:30 P.M on non-working days are credited on the following working day.
E-PAY	Citibank's E-Pay lets you pay your Credit Card bills online even if you don't have a Citibank banking account. This will normally take 2 working days (excluding Saturdays & Sundays) to get credited into your account E-Pay now.
ACH/ECS	Your funds are transferred from your account with other bank through a facility called the ACH(Automated Clearing House, earlier referred as ECS). You are required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with other bank. The ACH mandate can be downloaded here. Payment credit will happen on Payment Due Date.
Visa Money Transfer(VMT)	When you pay your Citibank Credit Card bill from a non-Citibank account, you can use Visa Money Transfer(VMT) option. Depending on the processing timelines of your bank, this will normally take upto 5 working days to get credited to your Citibank Credit Card.
Card payment from other bank website	Citibank Credit Card has been added as Utility Biller with other banks. This option allows you to pay when you login to Online Banking platform of your non-Citibank Bank account. This will normally take upto 3 working days (excluding Saturdays & Sundays) to get credited into your account.

E-Pay

E-Pay on Citibank Website

Citibank's E-Pay lets you pay your Credit Card bills online even if you don't have a Citibank banking account. This will normally take 2 working days (excluding Saturdays & Sundays) to get credited into your account depending on the time taken by your Bank to process the payment.

EPAY NOW

Have a Citibank Account?

Pay your Credit Card bills using Citibank Online. Just Login using your User ID & Password and click on "Pay Credit Card Bill" link under Banking.

Please note: You can enjoy the convenience of viewing all your Citibank accounts (Bank Account / Credit Card / Home Loan / Personal Loan) with a single internet Password (IPIN) by choosing to link your accounts. Simply select "Link my accounts" under "other Banking services" when you Login.

E-Pay via Other Bank Website

Citibank Credit Card has been added as Utility Biller with other banks. The list of Banks where Citibank has currently been listed as a Biller is given below:

HDFC Bank
ING Vysya Bank
State Bank of India
IndusInd Bank
Yes Bank

When you initiate Citibank Credit Card payments from other bank websites, you are requested to get in touch with respective banks for processing times.

IMPS/NEFT Card Payment

IMPS/NEFT Card payment to Credit card

Add your Citibank credit card as IMPS/NEFT payee in your non Citibank account in three simple steps and initiate payment to enjoy same day credit of funds.

While doing a payee addition, please use the following details

Payee Name : Name as it appears on your Citibank Credit Card

Payee Account Number : Valid Citibank credit card number

Bank Name : Citibank N.A

Payment Account Type : Select Any Account Type

IFSC Code² : CITI0000003 (Customers residing in any City can initiate a payment using CHENNAI IFSC code)

Branch Address : CHENNAI (Customers residing in any City can initiate a payment using CHENNAI as branch address)

To initiate IMPS/NEFT payment, you can use any valid IFSC code of Citibank. In the Payee details given above, we have used Chennai IFSC code which can be used by customers residing in any City.

Citibank Account

Citibanking Account

If you are attempting to make your Citibank Credit Card payment from your Citibanking / Suvidha Account, you have to Login to Citibank Online with your IPIN and make your Card Payment.

If you are attempting to make payment to any other person's Credit Card from your Citibanking / Suvidha Account, you can Login to Citibank Online with your IPIN, register the Credit Card and then make the transfer easily.

Your bank account will be debited and the payment to the Credit Card will be applied in 1 working day.

Faqs

Click on to expand and on to minimize the details.

Frequently Asked Questions about E-Pay

What does E-Pay help me to do?

E-Pay enables you to pay your Citibank Credit Card bill online from any of your Non-Citibank accounts. You can pay from over 48 major banks including SBI, ICICI, HDFC, Axis and many more! So, no more trips to the drop boxes or waiting in queues.

How do I know my bank is included on E-Pay?

Click here for the list of banks to which this service is extended.

Do I need to login to Citibank to make this payment?

No, all you need to do is visit www.citibank.com/india, choose 'E-Pay' and follow the instructions. You must have your Internet Banking details like User ID or Password for your Non-Citibank account you would like to make the payment from.

Will I be charged for this?

Currently this service is absolutely free!

How long will it take for the money to be credited to my Citibank Credit Card?

If your transaction status on the E-Pay confirmation page is successful, your Citibank Credit Card will be credited with the amount you authorized within 2 working days (excluding weekends and bank holidays).

Can I pay only my Citibank Credit Card using E-Pay?

Payments can be made only towards Credit Cards issued by Citibank. You can pay not only your own but any Citibank Credit Card using E-Pay, including add-on Cards.

Can I pay into a Citibank Diners Club Card using E-Pay?

Yes, you can.

Can I pay my Citibank Credit Card Bill from my Citibank account using E-Pay?

No. To make your Citibank Credit Card payment from your Citibank account, you will need to log into Citibank Online with you IPIN and use the "Pay Credit Card" menu to effect the payment. Your bank account will be debited and the payment to the Credit Card will be applied instantaneously.

What if I enter the wrong Card number?

We ask for the Card number twice to ensure accuracy. However, if a payment is made to a wrong Card number then please get in touch with our customer care team for resolution. You may call CitiPhone or alternatively log on to www.citibank.co.in using your IPIN and raise your query under 'Your Queries' link on the left navigation panel. We request you to check the Card number before authorising the payment.

How do I know that the transaction was successful?

After the payment is made, you will be shown an acknowledgment screen. This screen will contain a 'Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. This screen will also contain the transaction reference number. Please note this down and quote this in case of any transaction queries with your Bank.

The bank I would like to pay from is not a part of E-Pay. What do I do?

We are constantly trying to add more banks to this service. Please visit our website www.citibank.co.in for further details.

My account has been debited, however the Success Message and Transaction Reference No. has not been displayed on the Confirmation Page of E-Pay?

If your bank account has been debited, however the success page with the transaction reference number is not displayed, then you are advised to contact your Bank to check if the transaction was successfully processed. Your Bank will confirm back to you if the transaction is successful and the payment will be credited to the Credit Card.

Frequently Asked Questions about 'NEFT Payment to Credit Card'

What would you like the creative to communicate?

Advantages of NEFT over Cheque

1) Same day credit of funds vs Atleast 3-4 days for credit of funds

2) 3 simple steps vs tedious process

3) From the comfort of home vs Travel to a drop box

How fast will the funds reflect in my Credit Card Account?

Once the transaction has been successfully completed, your Bank will debit the funds from your Bank account and transfer the same to Citibank. On receipt of the funds, the same will be credited to your Credit Card by end of the day (if done before 5 p.m.), else the next working day. Funds transfer request made on non-working days will get executed on the following working day. The actual time taken to credit the account depends on the time taken by your bank to process the payment.

What happens to the funds if the Credit Card Number specified is invalid?

In the event of an invalid Card number being submitted by the customer, the funds will be returned to the originating bank within one working day. To check the status of the credit into your account, please get in touch with your Bank.

Is there any charge for making the Credit Card payment using this facility?

Citibank does not levy any charges for payments received through Funds Transferred to your CitiCard from other bank account. Most banks also offer Funds Transfer facility free of cost. However, you are requested to get in touch with your bank for details on applicable charges, if any.

Will I have a Unique Reference Number for the transaction?

Yes, on successfully completing the Funds Transfer you will be given a reference number for the transaction.

If you have not noted the same at the time of the transaction, you can call your bank and the same will be provided to you.

You need to quote this Unique Transaction Reference Number at the time of logging in your complaint, if any.

How do I know if my Bank is registered for this Service?

Almost all banks are registered for providing their customers with the Funds Transfer facility. However you are requested to check with your bank.

Under what circumstances can my Funds Transfer be rejected and what happens to my funds in case of transfer rejection?

Your Funds Transfer can be rejected if you have entered an invalid Card number (or) if you have entered an invalid IFSC Code. In the event of rejection, the funds will be remitted back to the originating bank within one working day. To check the status of the credit into your account, please get in touch with your Bank.

Please note this facility is not enabled for Citibank World Money Card and Diners Club NRI Card. Also Non Resident customers who hold International Credit Card with Citibank India should not use this facility and should ensure payments are made only from their NRE/NRO account.

How do I know my Funds Transfer payment is credited to my Citibank Card?

You will receive a payment confirmation via SMS and E-mail to the registered mobile number and E-mail address.

My payment transferred via Funds Transfer is not reflecting in my Card account. What should I do?

Your payment will be credited on the same day (if done before 5 p.m.), else the next working day. In case the same is still not reflecting, you are requested to contact our 24-hours CitiPhone Banking helpline service quoting your UTR number.

You can also login to www.citibank.co.in using your Internet Personal Identification Number (IPIN) and raise a query through the "Your Queries" link on the left navigation panel.

ONLINE CREDIT CARD PAYMENT