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- Repayment Channels
Enjoy unparalleled convenience and flexibility in paying your credit card bill through various channels.
Enjoy easy payment via Citibank online banking or other banks
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Friendly Reminders
Friendly Reminders X
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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.
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 previous business day of 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. As a special reminder to cardholders that when the cardholders choose automatic repayment for the minimal due amount, the over-limit amount (if any) won’t be included in the auto repayment amount. Cardholder should repay the over-limit amount via other channels by him/her own self.
- 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 USD balance 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 Bank USD sell rate (USD/CNY) published by Citibank at 2:30pm of prior business day of due date., if the amount is sufficient. And will convert the RMB deposit to the equivalent amount of USD according to Bank USD sell rate (USD/CNY) published by Citibank at 2:30pm of due date business day, if the amount is insufficient. 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 balance will 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 |
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Except Shanghai Branch and Beijing HuaMao Sub-branch, other Branches/Sub-branches of Citibank China no longer provide cash service since Jan 2020. |
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Friendly Reminders
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Phone banking payment |
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Payment at Citibank Counter(Only available at Shanghai Branch and Beijing HuaMao Sub-branch)
- You may directly deposit USD cash note or purchase USD with RMB at Citibank counter to repay your USD credit card debt.
Signing the Citibank Account Auto Debit Agreement
- If you sign the Agreement on this service, on payment due day of each month, the corresponding amount will be automatically deducted from your designated account to repay your USD credit card debt.
Signing the Agreement of Automatic Foreign Currency Purchase with CNY Credit Card for Repayment
- If you sign the Agreement on this service, you may deposit RMB funds into your CNY Credit Card for auto foreign exchange and repayment of your USD credit card.
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 balance will 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 (only apply to before 9pm). If the card holder makes a deposit during 9pm to 0am or non-business day, the balance will be repaid on the next business day at a priority sequence specified in bullet point 4 (below).
- • 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 Bank USD sell rate (USD/CNY) published by Citibank at 2:30pm of the transaction made date, 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.