How long does it take for an online credit card payment to reflect in my Citibank account?

Your Citibank credit card will be credited with the authorized amount after 2 working days (excluding weekends and bank holidays).

How to Confirm Your Credit Card Payment Was Successful?

After you make your payment, an acknowledgment screen will be shown containing a 'Status' title, which will display 'SUCCESS' in case of successful transactions and 'FAILURE' in case of failed transactions. The screen will also show you the transaction reference number.

Is there a fee associated with Direct Debit instructions to pay Credit Card bills?

Citibank does not charge any fee to set up a Direct Debit Instruction. However, charges of AED 25 are applicable for every return of Direct Debit Instruction due to 'insufficient funds.

Credit Card Payments

Credit Card Payment Options

Enjoy the Convenience of credit card payments online

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.

If not done on time, credit card payment 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.

How to Pay Your Credit Card Bills?

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.

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. Choose the amount, date, and 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 credit card bills on time without missing the due date. You can set up a bank order to ensure that either the full bill amount or a chosen percentage is automatically transferred from your salary account to your credit card account each month. This method is ideal if both your credit card and salary account are with 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.

ONLINE TRANSFER - CITI ACCOUNT
ONLINE TRANSFER - OTHER UAE BANK ACCOUNT
DIRECT DEBIT
EXCHANGE HOUSE

Make an online transfer from your Citi Account

Save time and pay your Citi Credit Card online in 5 easy steps via Citi Mobile or Citi Online!

How to pay 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, and purpose for transfer and click ‘Next.’

Verify and confirm to complete

Make an online transfer from your Other Bank Account

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

Log 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 the ‘Payments and Transfers’ option section and select ‘Other UAE Credit Card’.

Enter your personal information as requested, such as your name, Contact number, and 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

What is Direct Debit?

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's monthly due. In the event of any shortfall against the statement due, you will be liable for any late fee and finance charges incurred as per the Schedule of Fees and Charges available on citibank.ae.

How to Set up Direct Debit from your Non-Citibank Account

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 :

CITIBANK
DIRECT DEBIT CREDIT CARDS
P.O.BOX 749
DUBAI, U.A.E
Or, submit it at any Citibank branch/ Financial centers.

Please note that the payee bank may apply charges.

How to Set up Direct Debit on Citibank Online

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.

After you initiate the Direct Debit Instruction, you must ensure that your Citibank account has enough funds so it can satisfy your liabilities to the beneficiary. In case there is more than one Direct Debit Request, 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 Citibank charges 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.

Frequently Asked Questions

If your account has been debited and your success page has not displayed the transaction reference number, then you can contact your Bank to check if the transaction was processed successfully or not. Once you receive confirmation from your bank about the successful transaction, the payment amount will be credited to your credit card.

Quick Links

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.

Disclaimer

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.

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