Repayment Channels

Easy Repayment
Fast and convenient Repayment choices

Enjoy unparalleled convenience and flexibility in paying your credit card bill through various channels.

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Lakala payment

You can make repayment through channels like Alipay, UPOP that pay Citibank credit card bill with any debit card with UnionPay Logo, Or using account of other banks to fund transfer fund into Citibank credit card.

Lakala, with over 50,000 terminals, can be found in more than 300 cities across China. Lakala Koisks are located in nearly 100 renowned convenience stores including Lawson, FamilyMart, 7-11, Quick, Alldays, and China Resources Vanguard. With simple 6 steps, you can pay your Citibank credit card bill easily at anytime.

Conditions Payment Method Handling Fee Accepted Currency Lead Time Procedures
Lakala
Debit card/ deposit account with Citibank or with other banks Free RMB 2 working days Procedures

Sevice outlets

Lakala Payment Procedure X

 

Visit any Lakala touchpoint and pay your Citibank credit card bill with any debit card with the UnionPay logo (no handling fee; accepted currency: RMB). Specific steps are as follows:

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  • 单张信用卡每自然月最多还款3次。

Touchpoints X

 

Enjoy the convenience of using your debit card to make payment at Lakala touchpoints in any city that has a Citibank branch! Click here to find a convenient payment touchpoints close to you.

 


Lakala Payment Procedure X

 

Visit any Lakala touchpoint and pay your Citibank credit card bill with any debit card with the UnionPay logo (no handling fee; accepted currency: RMB). Specific steps are as follows:

 

银联便民支付还款终端流程 X

 

 

 
Friendly Reminders
Internet payment

Enjoy easy payment via Citibank online banking or other banks

Conditions Payment channels Handling Fee Accepted Currency Lead Time Procedures
With Citibank online banking account Citibank Online Free RMB Real time Procedures
USD Real time
CitiMobile Online Free RMB Real time
USD Real time
Cardholders with debit card or deposit account with other banks banking of other banks Subject to the bank processing the transfer RMB 1-3 working days Procedures

Citibank Customer Internet Payment Procedure X

 

After logged in to the online banking of another bank, choose “Transfer” function to make bill payment for your Citibank credit card. Please fill in the required information as follows:

Payee Credit cardholder’s name for which payment is required
Payee account number Credit card number for which payment is required
Payee account bank or depositing bank Citibank (China) Co., Ltd XX Branch

  • For the actual credit date and administrative fee, please check with the bank processing the request.
  • You may fill in any Citibank branch as the receiving bank to transfer the funds into your Citibank credit card account.

 

USD 1 working day following the receipt of remittance by Citibank

Citibank Customer Internet Payment Procedure X

 

 

 
Friendly Reminders

Friendly Reminders X

 

  • To make payment in USD with Citibank debit card via online or mobile banking, you will need to visit the Citibank counter to add the payee in advance.
  • To pay Citibank credit card bill using the debit card of another bank, the debit card paying bank needs to support the interbank transfer function.
  • In the case of Citibank USD credit card bill payment from other banks, the actual credit time is dependent on the USD remitting time of the other bank. Citibank will restore the credit limit of the customer 1 working day after receiving the remittance.
  • When making payment via online banking of another bank, please take note of the lead time. Generally, the account is credited 3 working days (delayed accordingly in the event of national holidays) after the funds in the debit card of the other bank are successfully transferred. Upon crediting, the available credit limit is restored. Please make payment appropriately in advance to avoid late fee and interest.
  • If you need to select the receiving branch when making payment, you may choose any Citibank branch to make the payment, and the funds will still go into your credit card account.
  • The above steps and credit lead time are for reference only. The actual operation procedures, fees, and debit card transfer lead time are subject to the provisions of the bank processing the payment.

 

 
Automatic payment

If you have a Citibank debit card or saving account, you can proceed to a Citibank counter to activate the Citibank automatic payment service. Upon activation, Citibank will automatically deduct from your designated account every month to pay your credit card bill.

RMB credit card

  • You may authorize Citibank to make monthly automatic deduction from the Citibank debit card or saving account under your name.

US Dollar credit card

  • You may authorize Citibank to make monthly automatic deduction from the Citibank US Dollar saving account under your name, or make deduction from your Citibank debit card or RMB saving account to purchase foreign currency to pay your US Dollar credit card bill.
Friendly Reminders   
Terms and Conditions

Friendly Reminders X

  • You can choose to make the repayment in full or minimum amount.
  • Auto debit will automatically debit from your sign up account every month on the payment due date to pay your credit card bill. To ensure success of the Auto debit service, please make sure that you have sufficient funds in your debit card or saving account at least 1 day in advance. If you do not have sufficient funds in your designated account, Citibank will deduct the full amount in your account, and you will need to pay the rest through other channel.

Auto repayment T&C X

  • Credit card holders can apply for this service by choosing the option on the credit card application form initially, or over the Citibank counter. Card holders shall select between the options of full amount repayment and minimal amount repayment. If no selection is made, automatic repayment will be for the full amount by default. After service activation, credit card holder may call the customer service hotline to change the repayment amount option or to cancel the repayment service.
  • If a credit card holder has already activated this service, he/she will no longer be able to apply for the "Automatic Exchange & Repayment for USD balance through a RMB Credit Card" function. If a card holder chooses both services in the application form, Citibank will only approve the option of "Automatic debit by Citibank Debit Account".
  • After service activation, Citibank automatically deducts the full amount or minimal amount of the current month from the Citibank debit account, or RMB or USD settlement account under the name of the Citibank Credit Card holder himself/herself (hereinafter referred to as "the specified repayment account") on repayment due dates in the following month. The card holder shall ensure that the balance in his/her specified repayment account is sufficient on the repayment due date. If the balance is insufficient to repay the full amount or minimal amount, all funds will be deducted from the account and the card holder will need to repay the remaining amount through other methods. The card holder would be solely liable for any failure to repay the full amount or minimal amount of the credit card balance due to insufficient balance in his/her specified repayment account. Citibank would neither be obligated to inform the card holder of balance insufficiency, nor continue to deduct any fund from the balance of such account after the repayment due date.
  • After service activation, if the automatic repayment can't be conducted owning to faulty details about the specified repayment account, or owning to account freezing, cancellation or any otherreasons, the automatic repayment will be suspended before such account resumes its normal status, and the cardholder shall repay his/her credit card balance through other methods. In the case of credit card renewal or replacement, this service will automatically extend to the new card unless otherwise requested by the card holder.
  • If a credit card holder chooses to reimburse the USDbalance by automatic exchange & repayment in RMB (i.e. the system will automatically use RMB to purchase USD) through the specified repayment account, Citibank will convert the RMB deposit to the equivalent amount of USD according to USD sales rate published on Citibank website at the closing hour of previous business day. If the card holder chooses both options, i.e. automatic repayment for RMB balance, and automatic repayment in RMB for USD balance, from the specified repayment account, the RMB balancewill take precedence to be repaid if the holder has both RMB and USD balance. Repayment will be based on the card holder's selection between the full amount repayment and minimal amount repayment.
Payment at bank branches

Payment at bank branches

Visit our branches and make repayment at the counter to restore your credit limit instantly.

网点分布 X

网点分布 X

Conditions Payment Method Handling Fee Accepted Currency Lead Tim  
Cardholders with Citibank debit card or saving account Citibank counter Free RMB Real time Touchpoints
Free USD Real time
Citibank ATM Free RMB Real time
Cardholders with debit card or deposit account with other banks Other bank’s counter Subject to the bank processing the transfer RMB 1-3 working days Procedures

Procedure for Citibank customer making payment at other bank’s counter X

If you are making payment for your Citibank credit card at other bank's counter, please fill in the following required payment information as follows:

Payee Credit cardholder’s name for which payment is required
Payee account number Credit card number for which payment is required
Payee account bank or depositing bank Citibank (China) Co., Ltd XX Branch

  • For the actual credit date and administrative fee, please check with the bank processing the request.
  • You may fill in any Citibank branch as the receiving bank to transfer the funds into your Citibank credit card account.
USD 1 working day following the receipt of remittance by Citibank
Other bank’s ATM Subject to the bank processing the transfer RMB 1-3 working days
Friendly Reminders

Friendly Reminders X

  • If you need to select the payee bank branch for making payment, you may choose any Citibank branch; and the funds will still reach your credit card account.
  • It is recommended that you make payment 3 working days in advance to avoid late fee and interest.

Phone banking payment

Conditions Payment channels Handling Fee Accepted Currency Lead Time
Cardholders with Citibank debit card or saving account CitiPhone Banking Free RMB Real time
Free USD Real time
Cardholders with debit card or deposit account with other banks Other bank’s phone banking Subject to the bank processing the transfer RMB 1-3 working days
 
Friendly Reminders

Friendly Reminders X

  • To pay Citibank US Dollar credit card bill for others with your Citibank debit card via phone banking, you will need to visit the Citibank counter to add the payee in advance.
  • To pay Citibank credit card bill using the debit card of another bank, the debit card needs to support the phone banking interbank transfer function.
  • If you make payment through another bank, generally 3 working days are required for the account to be credited (delayed accordingly in the event of national holidays). It is recommended that you make repayment at least 3 working days in advance to avoid late fee and interest.
  • The above steps and credit lead time are for reference only. The actual operation procedures, fees, and debit card remit time are subject to the provisions of the bank processing the transfer.
 
USD Card payment

Payment at Citibank counter

  • You can directly deposit US Dollar or purchase foreign currency with RMB to pay your US Dollar arrears at Citibank counter.

Signing the Citibank account auto debit agreement

  • If you choose to activate this feature, the corresponding amount will automatically be deducted from your designated account to pay your USD balance on the payment due date every month.

Signing the automatic foreign currency purchase and repayment agreement using RMB credit card

  • If you choose to use this feature, you may deposit funds into your RMB credit card for repayment of your associated US Dollar credit card balance.

Friendly Reminder   
Terms and conditions   
Case Examples

Friendly Reminder X

 

  • If you make USD payment via the counter, you must bring along your valid identification documents and credit card statement. When making payment, the exchange rate displayed on the Citibank system will be used for purchasing of foreign currency to make payment. The USD payment amount cannot exceed the due amount shown on the statement.
  • You may opt in for the automatic payment or automatic foreign currency purchase using RMB credit card features when you apply for your credit card. If you did not select these features during your credit card application, you can bring along your credit card and personal identification documents to the Citibank counter and sign up for the services. The RMB credit card automatic foreign currency purchase feature may also be activated via the 24 hour Customer Service Hotline.

 

Automatic Exchange & Repayment X

 

  • To apply for the "Automatic Exchange & Repayment for USD card balance through a RMB Credit Card" function (i.e. the system will automatically use RMB to purchase USD), card holders may choose this option on the credit card application form, or call the customer service hotline. Once this service is activated, you can connect your RMB credit card with your USD credit card. The money deposited in RMB credit card can be automatically used to purchase USD to repay the USD credit card balance. You can choose repayment for full amount or minimal amount. If not specified, full amount repayment option will be chosen by default.
  • If the card holder already selected "Repayment in RMB for debts in foreign currency" under the "Auto Debit by Citibank debit account", he/she will not be eligible for this service. To use the service, he/she needs to cancel the "Citibank debit account" first.
  • After service activation, if the card holder has an outstanding USD credit card bill in due course, the balancewill be repaid at a priority sequence specified in bullet point 4 (below) on the day when the card holder makes a deposit to his/her RMB credit card.
  • • If the card holder chooses the minimal amount repayment option for the USD card balance, the deposits to his/her RMB credit card will first be used to purchase foreign currency for the minimal due amount of the associated USD credit card bills (the card holder will have to reimburse the remaining USD debt through other methods), and the balance in the RMB credit card will be used to repay all balance of the RMB bill. If the card holder chooses the full amount repayment option for the foreign currency debts, the deposit in RMB credit card will be used for repayments in the following priority sequence: (1) the minimal repayment amount for the USD Credit Card bills; (2) the minimal repayment amount for the RMB credit card bills; (3) full arrears of USD bills; (4) full arrears of RMB bills.
  • The card holder shall ensure that the deposit to his/her RMB credit card account is sufficient for repayment. If the deposit is insufficient to repay the full balance or minimal amount, all deposit will be deducted and the card holder will need to repay the remaining amount through other methods. The card holder would be solely liable for any failure to repay the full amount or minimal amount of the credit card balance due to the insufficient fund in his/her RMB credit card account. Citibank would not be obligated to inform the card holder of balance insufficiency.
  • Under Automatic exchange & repayment for USD balance through a RMB Credit Card, Citibank will automatically convert the USD balance to an equivalent amount of RMB according to the USD sales rate published on Citibank website at the closing hour of current business day, and make the repayment according to the priority in bullet points 3 & 4 as above. The amount exchanged shall not exceed the USD current statement due amount.
  • This "connection" service is only available for credit cards of same types. If, for example, a card holder has both Citi Rewards Card and PremierMiles Card, these 2 cards cannot be "connected".
  • If you have specific request for foreign currency repayment, please call the 24-hour customer service hotline for assistance.

 

Case Examples X

 

After customer activates the service, and repays to RMB credit card before the payment due date, the due USD balance will be automatically repaid through the RMB credit card at the payment due date.
Case One   Statement Date 6th, X Month 10th, X Month 11th, X Month Remaining Sum
RMB credit card Bill amount ¥1000 Repay ¥2000 through online banking transaction Automatic exchange to repay RMB ¥630
Exchange rate: 6.3
¥370
USD credit card US$100   Automatic exchange to repay US$100 0

 

After customer activates the service, and deposits to RMB credit card before the due payment date, the due USD balance will be automatically repaid through the RMB credit card at the repayment due date if no other payment has been made.
Case Two   1st, X Month Statement Date 6th, X Month 10th, X Month Repayment due date 26th, X Month Remaining Sum
RMB credit card Deposit ¥5000 over bank counter Bill amount ¥1000 Pay ¥800 with credit card in a store 1.Repay ¥1000
2.Offset unrecorded RMB spending of ¥800
3.Automatic exchange to repay ¥630
Exchange Rate: 6.3
¥2570
USD credit card   US$100   Automatic exchange to repay US$100 0

 

The following customer did not apply for the service previously. He/she called customer service hotline to activate service right after depositing RMB to his/her RMB credit card, then swiped the RMB credit card for expenditure. The automatic exchange & repayment of foreign currency debt won’t be started owning to insufficient balance in his/her RMB credit card on the due repayment date.
Case Three   1st, X Month 2nd, X Month Statement Date 6th, X Month 10th, X Month Repayment due date 26th, X Month Remaining Sum
RMB credit card Deposit ¥2000 over counter Call customer service hotline to activate Bill amount ¥1000 Pay ¥1200 with credit card in a store 1.Repay RMB bill amount ¥1000
2.Offset unrecorded RMB spending of ¥1200
Outstanding: ¥200
USD credit card     US$100   Automatic foreign currency purchase unavailable due to insufficient balance Outstanding: US$100

 

After the service has been activated, the customer has repaid his/her RMB credit card before the due repayment date. If the balance is not sufficient to pay off the full debt, then the system will automatically purchases USD to repay the minimal payment sum of the recorded bill.
Case Four   Statement Date 6th, X Month 10th, X Month 11th, X Month Remaining Sum
RMB credit card Bill amount ¥1000 Repay ¥100 through online banking transaction Repaid ¥63 through automatic foreign currency purchase
Exchange rate: 6.3
Outstanding: ¥963
USD credit card US$100   Repaid US$10 through automatic foreign currency purchase Outstanding: $90

 

* If you are activating services over branch counters or customer service hotline, please be aware of the time duration needed for your request to be processed. If your repayment due date falls within the processing period, please make sure you pay the bills through other methods.