You can pay your Citi credit card bill online through Citi.com, the Citi Mobile app, or a one‑time “Make a Payment” option for some retail cards, with same‑day crediting for payments submitted before midnight Eastern Time.
https://www.citi.com/online-services/bill-payment
1. Pay Your Citi Credit Card Bill on Citi.com
If you have a Citi credit card (like Citi Custom Cash, Citi Double Cash, Citi Diamond Preferred, etc.), the main way to pay online is through Citi Online.
Steps to pay online:
- Go to Citi.com and Sign On with your User ID and password.
- Select your credit card account from the dashboard.
- Click Make a Payment or go to Payments & Transfers → Pay Credit Card.
- Choose your payment amount:
- Select the bank account you want to pay from (a Citi checking account or an external bank you’ve added as a payment account).
- Pick the payment date and submit your payment.
Online bill payment from a Citi checking account is free, and you can also add external payment accounts so Citi pulls funds from another U.S. bank.
Cutoff time and posting:
- Citi’s online terms say that the payment cutoff time for credit cards is midnight Eastern Time for online and phone payments.
- Payments made before 11:59 p.m. ET are credited as of that calendar day, even on weekends and holidays.
- The payment may take a few days to increase your available credit, but it still counts as paid on the date you submitted it.
2. Pay with the Citi Mobile App
The Citi Mobile® App lets you pay your Citi card bill directly from your phone.
How to pay in the Citi Mobile app:
- Open the Citi Mobile app and sign in with your Citi credentials.
- Tap your credit card from the accounts list.
- Tap Make a Payment or similar.
- Choose your payment amount (minimum, statement balance, current balance, or custom).
- Select the bank account you want to use.
- Review your payment and tap Pay to confirm.
App payments follow the same midnight ET cutoff as website payments, so a payment made before that time is credited as of that day.
3. One‑Time Payment Without Logging In (Select Cards)
Some Citi retail partner cards let you make a one‑time payment without signing in.
- On the relevant card’s login page (for example, Citi Retail Services pages for brands like Home Depot, Best Buy, Sears, etc.), look for a “Make a Payment” or “Pay as Guest” link.
- You’ll usually need:
This guest‑style payment is most common on the Citi Retail Services portal rather than main Citi consumer cards.
4. Set Up Citi AutoPay for Recurring Payments
If you want to be sure you never miss a due date, you can enroll in AutoPay for your Citi card.
How to set up AutoPay:
- Log in at Citi.com or through the Citi Mobile app.
- Go to your credit card account and click Set Up AutoPay or open the Payments/“Credit Card Payments” section.
- Choose your AutoPay amount:
- Minimum payment due
- Statement balance
- Fixed dollar amount
- Select the bank account to pull from.
- Confirm and save your AutoPay settings.
AutoPay runs automatically each month, usually on your payment due date, helping you avoid missed payments and late fees as long as the funding account has enough money.
5. Citi Online Bill Payment From Citi Checking (Pay Other Bills Too)
If you have a Citi checking account, you can use Citibank Online Bill Payment to pay not only your Citi credit card, but also any person or business in the U.S..
- From your Citi checking account online, go to Bill Payment.
- Add your Citi credit card as a payee if it’s not already linked.
- You can schedule one‑time or recurring payments, and Citibank will send them electronically or by paper check depending on the payee.
Online bill payment is free and designed to replace checks and stamps for regular bills.
6. Paying From Another Bank
You can also pay your Citi card bill using another bank’s online bill‑pay:
- Log in to your external bank’s online or mobile banking.
- Add your Citi card as a new payee:
- Use your Citi credit card number as the account number.
- Use the remittance address shown on your Citi statement for mailed checks.
- Schedule your payment and let your bank send funds to Citi.
Processing times can vary (often 2–7 business days), so it’s smart to schedule these payments a few days before your due date.
FAQs
How do I pay my Citi card bill online?
Log in at Citi.com or citibankonline.com, select your credit card, and click Make a Payment. Choose your amount, pick your bank account, set the date, and submit—payments made before midnight ET are credited the same day.
Can I pay my credit card bill online from another bank?
Yes. You can add your Citi card as a payee in another bank’s online bill‑pay system and send payments from that bank account. You can also add that external bank as a payment account within Citi Online, letting Citi pull the money directly.
How do I log in to my Citi card account?
Go to Citi.com and click Sign On, then enter your User ID and password. If it’s your first time, use Register or Enroll to create online access; if you’ve forgotten your credentials, use Forgot User ID or Password to reset them.
Can I pay my Citi credit card bill online without logging in?
For some Citi retail partner cards, you can use a “Make a Payment” or guest pay option on the login screen, entering your card and verifying details instead of signing in. For most standard Citi‑branded cards, you’ll need to sign in or use your bank’s bill‑pay to send the payment.
When do online Citi card payments post?
Citi’s terms state that the cutoff time for online and phone payments is midnight Eastern Time, and payments made before then are credited as of that day. However, a payment made after 5 p.m. ET on your statement closing date may not show on that cycle’s statement, even though it still reduces your balance and counts toward your due payment.