Does Citibank Charge Late Fees for Credit Cards?

Accurate as of: May 6, 2026

Yes. Citibank credit cards typically charge a late fee if you do not make at least the minimum payment by the due date. This applies across most Citi consumer credit cards, including rewards, travel, and balance transfer cards.

Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you apply for a credit card through our links, we may earn a commission. We are independently owned, and the opinions expressed here are our own.

How Much Are Citi Late Fees?

Based on Citi credit card terms and conditions across multiple products, the standard late fee is:

• Up to $41 per late payment

This fee may vary slightly depending on account terms and payment history, but $41 is the common maximum late fee disclosed across Citi consumer cards.

When Does Citibank Charge a Late Fee?

A late fee is typically charged when:

• You do not pay at least the minimum payment by the due date
• Your payment is returned (for example, insufficient funds)

If your payment is on time and meets the minimum requirement, no late fee is applied.

Grace Period on Citi Credit Cards

Citi credit cards generally include a grace period of at least:

• 23 days after the end of each billing cycle

If you pay your full statement balance by the due date, you can avoid interest charges on new purchases.

Can Citi Late Fees Be Waived?

In some cases, Citibank may waive a late fee as a courtesy, especially if:

• You have a strong payment history
• This is your first missed payment

However, waivers are not guaranteed and are handled on a case-by-case basis.

Summary

• Yes, Citibank charges late fees on most credit cards
• Typical late fee: up to $41
• Applies when minimum payment is missed or payment is returned
• Most cards include a 23-day grace period

The safest way to avoid late fees is to always pay at least the minimum payment by the due date each month.