With a credit card, you can buy your favorite things whenever you want and pay for them at a later date. You can book airline tickets, hotels, car rentals, and more with a Citi credit card and get rewarded for each spend too. needs.
Credit card payment, if not done on time, can lead to a surge in your debt amount and, at the same time, affect your credit score. Such financial habits can harshly impact your relationship with financial institutions and make it difficult for you to get loans and other services easily in the future.
Ensuring timely Citibank credit card payment is a must. However, it might not be feasible to visit a bank or a branch each time to do so. To keep such limitations at bay, you can check out the easy ways through which you can pay your credit card bills in the UAE on time.
Save time and pay your Citi Credit Card online in 5 easy steps via Citi Mobile or Citi Online!
Sign on to Citi Mobile or Citi online at https://online.citibank.ae
Select the credit card you want to pay
Select the account you want to pay from
Select the amount, date, purpose for transfer and click ‘Next’
Verify and confirm to complete
Save time! Pay your Citi Credit Card Bills from your UAE bank account in minutes
The easiest way to pay your Citi Credit Card is from your existing UAE bank account online. Save time and avoid paying your Citi Card balance from an ATM
Login in to your digital banking with the bank you hold your account with and follow the below easy steps to pay your credit card:
Select ‘Payments and Transfers’ option section and select ‘Other UAE Credit Card”
Enter your personal information requested such as ‘Name, Contact number, email ID’
Enter the Citi Credit Card number you wish to pay
Enter Citibank as the issuing bank and the address as ‘Oud Metha, Dubai’
The total amount to pay
Purpose of transfer
Verify and complete
* Some banks may ask you for the SWIFT or BIC code for Citi, this is 'CITIAEAD'
* Payments may take up to 3 days to process
Note: Your bank may levy a processing fee of AED 1 for this transaction.
Set up a Direct Debit payment from your Citi bank or non-Citibank account and ensure that your credit card balance is paid regularly and conveniently every month.
How to set up Direct Debit from your Non-Citibank Account
How to set up Direct Debit on Citibank Online
A Direct Debit payment instruction is a financial transaction, in which, based on your instruction Citi will automatically receive the payment towards your Citi Credit Card from the registered bank account on the due date.
Direct Debit Instructions are normally used for making recurring payments, where the payment amounts vary from one payment to another.
Please maintain sufficient funds in your account to pay your credit card monthly due. In the event of any shortfall against the statement due, you will be liable for any late fee and finances charges incurred as per the Schedule of Fees and Charges available on www.citibank.ae.
Enroll for the direct debit facility from your bank Account within the UAE. You can conveniently download the direct debit form from the Download Center. Fill in the required details, and mail it to us at :
DIRECT DEBIT CREDIT CARDS
Or, submit it at any Citibank branch/ Financial centers.
Please note that the payee bank may apply charges.
To learn how you can set up direct debit transactions using Citibank Online, our secure online banking system, please View this demo. To set up Direct Debit through Citibank Online, click here.
Direct Debit Instruction is a financial transaction wherein Citibank will debit money from your account, as per your instruction, to pay another bank account. You can use this method to pay your credit card bills, utility bills, etc.
After you initiate the Direct Debit Instruction, you must ensure that your Citibank account has enough funds so that it can satisfy your liabilities to the beneficiary. In case there are more than one Direct Debit Requests, they will be processed on a first-in first-out basis. If the funds in your Citibank account are insufficient then the requests will be dishonoured and the Direct Debit will be returned without referral by Citibank. You will also be responsible for any penalties and fees charged by Citibank if there is any shortfall. Also, it is to be noted that partial payments are not allowed.
You can also pay your Citi Credit Card balance at an exchange house through the UAE Funds Transfer System (UAEFTS). Please ensure that the exchange house supports Citibank payments.
UAEFTS is the Real Time Gross Settlement system of the United Arab Emirates, hosted by the Central Bank of the UAE. The system facilitates the transfer of funds between banks and other financial institutions in the UAE via their accounts held with the Central Bank.
Please note that the exchange house may levy a transaction fee for accepting the payment.
Pay credit card bills via online transfers:
If you have registered for Citi online banking, then paying your credit card bill will be an easy affair. Once you have registered, you can log in to get an overview of your accounts. You can select the credit card bill you want to pay followed by selecting the account from which you want to pay from. Choose the amount, date, purpose of transfer, verify, and then confirm to complete the transaction.
Set up a direct debit to pay your bills automatically:
This is one of the most convenient methods to pay your credit card bills on time and without crossing the due date. You can set up a bank order to ensure that your bill amount or the percentage you want to pay is automatically transferred from your salary account to your credit card account each month. This method is highly ideal for you if your credit card and salary account are in the same bank.
Pay credit card bills at an exchange house in the UAE:
You can use the UAE Funds Transfer System and pay your credit card amount at exchange houses.
Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.
Charges will be applicable If you pay less than the outstanding amount as per schedule of fees & charges
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.