The fastest way to pay your Citi card
You can pay your Citi credit card online through the Citi website or mobile app, by phone, by mail, or in person at a Citi branch. The online method is fastest — payments typically post within one business day. You will need your card number, account number, or Social Security number to set up payment, plus your online login credentials if you are paying through your account.
If you are paying for the first time, you can also set up automatic payments so the bill comes out on a date you choose each month. This removes the risk of missing a due date and triggering a late fee.
Key Takeaways
- Online payment through Citi's website or app posts within one business day and requires only your card number and login information.
- Phone payments can be made 24/7 by calling the number on the back of your card, and the payment posts the same or next business day.
- Automatic payments can be set up to deduct a fixed amount or your full statement balance on a date you choose each month.
- Mail and in-person payments take longer to post — typically 5 to 7 business days for mail and 1 to 2 business days for branch deposits.
- Payments made after 8 p.m. Eastern Time on a business day usually post the next day instead of the same day.
Paying online through your Citi account
Log into your Citi account at citi.com or open the Citi mobile app. From the account dashboard, select the card you want to pay. Look for a "Make a Payment" or "Pay Now" button — the exact label varies by app version.
Enter the amount you want to pay. You can pay your full statement balance, the minimum payment, or any amount in between. Choose the date you want the payment to leave your bank account — this is usually the same day or the next business day, depending on when you submit it. Confirm your bank account information if this is your first payment, then submit.
The payment will post to your Citi card within one business day. You will receive a confirmation number when ready and a receipt by email within a few hours.
Paying by phone
Call the customer service number on the back of your Citi card. This line is available 24 hours a day, 7 days a week. Have your card number and the bank account you want to pay from ready.
The automated system will ask you to enter your card number and the amount you want to pay. You can also speak to a representative if you prefer. Payments made before 8 p.m. Eastern Time on a business day post the same day; payments made after 8 p.m. or on weekends post the next business day.
Setting up automatic payments
Automatic payments remove the need to remember your due date. Log into your Citi account online or in the app and look for "Automatic Payments," "Autopay," or "Recurring Payments" — the exact name depends on your card type.
Choose the amount: you can set it to pay your full statement balance each month, your minimum payment, or a fixed dollar amount. Select the date you want the payment to come out — most people choose a few days after they get paid or after their statement closes. Confirm your bank account information and submit.
Your payment will come out automatically on that date each month until you cancel it. You can change the amount or date anytime by logging back into your account. Citi will send you a reminder email a few days before each automatic payment posts.
Paying by mail
Write a check or money order payable to Citi. Include your account number or card number on the check. Mail it to the address printed on your statement — this address is specific to your account and different from the general Citi mailing address.
Mail payments typically take 5 to 7 business days to arrive and post. To avoid a late fee, mail your payment at least 10 days before your due date. If you are cutting it close, use online or phone payment instead.
Paying at a Citi branch
You can walk into any Citi branch and pay your credit card in person with cash, check, or debit card. Bring your card or account number with you. The teller will process the payment when ready, and it will post to your account within 1 to 2 business days.
Branch hours vary by location. Use the branch locator on Citi's website to find the nearest branch and confirm it is open before you go.
What to do if you missed your due date
If your payment is late, Citi will charge a late fee — the amount depends on your card terms and how far past the due date you are. A late payment also appears on your credit report and can raise your interest rate.
Pay as soon as you realize the payment is late. The sooner you pay, the less interest will accrue. If this is your first late payment, you can call Citi customer service and ask if they will waive the late fee as a one-time courtesy. They often will if your account is otherwise in good standing.
Frequently Asked Questions
How long does it take for a Citi card payment to post?
Online and phone payments post within one business day if made before 8 p.m. Eastern Time on a business day. Payments made after 8 p.m. or on weekends post the next business day. Mail payments take 5 to 7 business days. In-person branch payments post within 1 to 2 business days.
Can I pay my Citi card from another bank's account?
Yes. You can link any bank account to your Citi card for online or automatic payments. The first time you use a new account, Citi may verify it by depositing small amounts and asking you to confirm them — this takes 1 to 2 business days. After that, payments go through normally.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Citi customer service. Refunds typically arrive within 7 to 10 business days.
Can I pay my Citi card with a credit card?
No. Citi does not allow you to pay your credit card bill with another credit card. You must use a bank account, check, cash, or debit card.
Is there a fee to pay my Citi card online?
No. Citi does not charge a fee for online, phone, or automatic payments. Mail and in-person payments are also free.