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Utility Bill Payment with Credit Cards

Pay all your utility bills at no extra cost

Save time and stay in control of any bills you pay regularly.

Pay your utility bills right from the comfort of your home with Citi Credit Cards. Citi has collaborated with leading partners like Etisalat (Prepaid and Postpaid), Du (Prepaid and Postpaid), Salik, DEWA, and SEWA to help you pay your utility bills instantly via Citibank online and Citi Mobile App. You can also take advantage of utility bill payment Credit Card offers from Citi. With this free-of-cost service, you will also get alerts for your payments.


How to pay utility bills with your Credit Cards

Through Citibank Online and Citi Mobile you can make instant payments for many of the bills you need to pay regularly. 

If you wish to pay your utility bills online, then open the Citibank website on your browser and log in to your account. Once done, you can use your Citi Credit Card credentials and proceed to pay your utility bills in no time. To pay from your mobile phone, you can use the Citi mobile app. It is convenient and easy to use and access.

Our partners include:

  • Etisalat (Prepaid and Postpaid)
  • Du (Prepaid and Postpaid)
  • Salik
  • DEWA
  • SEWA

Log on to your Citibank account and start paying your bills now.

A Direct Debit is a transaction where Citibank will automatically debit your account to make a payment to another bank account, based on your instruction. The amounts can vary from one payment to another.

The following pricing structure pertaining to Direct Debits on your account are applicable:

Direct Debit Setup Stop Payment Return due to Insufficient funds*
Banking Account Free Free AED 25
No charge for CPC
*Charges of AED 25 is applicable for every return of Direct Debit Instruction due to 'Insufficient Funds'.


Once a Direct Debit instruction is placed, you are responsible for ensuring that your account has sufficient funds to satisfy your liabilities to the beneficiary. If there is more than one Direct Debit request on your account, the requests will be processed on a first-in first-out basis. This may result in one or more Direct Debit request being dishonoured if there are insufficient funds in your account to meet all payments.

The Direct Debit will be returned without referral by Citibank in case of insufficient funds. In the event of any shortfall, you will be liable for any costs, fees, penalties and charges levied by Citibank. Please also note that partial payment of any Direct Debit Instruction will not be executed.



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.


Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website 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.

The maximum rewards that Cardmembers can earn per month for using this service is:

Citibank Credit Card Reward/ Miles Cap
Emirates - Citibank Ultima 1,000 Skywards Miles
Emirates - Citibank Ultimate No earn
Emirates - Citibank World No earn
Emirates - Citibank Gold & Silver 500 Skywards Miles
Citi Prestige No earn
Citi Premier No earn
Citi PremierMiles Elite (VISA) 1,000 Citi Miles
Citi PremierMiles Signature 750 Citi Miles
Citi PremierMiles Titanium 500 Citi Miles
Citi Rewards No earn
Citi Life World Elite and Infinite 3,000 CitiDollars
Citi Life Platinum 2,000 CitiDollars
Citi Life Gold and Silver 2,000 CitiDollars


For the purpose of determining the ThankYou® Points or CitiDollars or Skywards Miles or Citi Miles earned, the sum of the value of all bills paid by Citibank Credit Cardmembers on all their basic cards and their supplementary cards in a statement cycle (between two statement dates) will be taken into account. The ThankYou® Points/ CitiDollars / Skywards Miles/ Citi Miles earned by Citibank Credit Cardmembers for a given month will be credited by the 10th of the next month.


Frequently Asked Questions