Citi Handlowy - Credit Cards - Pay bills with Credit Card
  • No funds transfer fee.
  • No interest charges if your credit card balance is repaid in full on time.
  • Possibility to pay for your bills even if you are temporarily out of cash.

This service lets you pay the following bills:

rent, repair and renovation fee, waste removal, perpetual usufruct, security
mobile phone, land line, cable tv, Internet
gas, electricity, water, heating
tuition fee, insurance policy fee, real estate tax

Service "Opłata rachunków Kartą Kredytową" can not be used for repayments of loans and transfers of cash for other purposes.

In order to pay your bills with your credit card:
  • Log on to Citibank Online.
  • Choose Funds Transfers Funds Transfers and Standing Orders from the menu.
  • Choose one of the payees from your list in the I pay my bills with my credit card section.
  • Choose the credit card.
  • Enter the amount of the transaction and enter the transfer’s details, e.g. bill no., payee details.
  • After you have verified the entered details, submit your transfer order.


If the transfer from your credit card is made to a payee other than a payee from the I pay my bills with my credit card group, the transfer is treated as a cash transaction and a fee shall apply then amounting to 6% of the transfer amount, however no less than PLN 10, together with interest starting the day when the transfer was made.


Representative example of Citibank Credit Card:

Effective interest rate (EIR) of (EIR) 12.65% p.a. with assumption: total loan amount of PLN 8700; total amount to be repaid PLN 9274.42, variable nominal interest of 10% p.a.; total cost of credit amounting to PLN 574.42, (including an annual fee of PLN 96 for the main card issuing and usage and interests in the amount of PLN 478.42), 12 monthly installments in the amount of PLN 772.87 - as of 01/03/2017.

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