Credit Card

You can apply for a Citibank Credit Card by:

• Visiting www.citibank.com/india. Click here to apply now! Recommended
• Calling 24-Hour CitiPhone Banking helpline

Citibank offers various types of Credit Cards to suit various needs. The eligibility for each Credit Card may differ. You can click here to view and compare various Credit Cards we offer.

Please call our 24-Hour CitiPhone Banking helpline to check your Credit Card application status. You can check your application status by selecting option 4 in the Interactive Voice Response (IVR) menu. Please keep your application reference number handy. Alternatively, please speak to a CitiPhone officer by selecting the option 9 and provide your application reference number or share details like full name, date of birth etc., for the CitiPhone Officer to confirm your application status.

Generally, your Credit Card is delivered within 21 working days of submitting your application. If you have registered your mobile number with us, you will receive timely alerts informing you about the status and details of the dispatch of your Credit Card. If you have not received a status alert about the dispatch of your Credit Card after 21 days, please call our 24-Hr. CitiPhone Priority Service Numbers to check your application status. Please have your Application Reference number handy for a speedy resolution.

The details of the Airway Bill number (courier reference) for the dispatch of your Credit Card would have been sent to the mobile number that you had provided in the Credit Card application form.

You can track the status of the shipment using the Airway Bill number by visiting the courier websites given below:

• BLUE DART - www.bluedart.com
• DTDC - www.dtdc.com
• FIRST FLIGHT - www.firstflight.net
• TNT COURIER - www.tnt.com

You can make the payment towards your Citibank Credit Card in a number of ways. The various modes of payment are:

• Online payment Recommended

• Via Citibank account: If you have an account with us, visit Citibank Online, login into your account using your IPIN and make the payment. You can also set up a Standing Instruction to debit your Citibank Account and credit your Credit Card Account every month. This can be done by logging onto Citibank Online with your secure Internet Password (IPIN) and placing a request to maintain a Standing Instruction. If you do not have an Internet Password (IPIN), you can generate one online.

  You can choose between three convenient payment options:

  • Total Amount Due
  • Minimum Amount Due
  • A Fixed Amount (subject to minimum amount due)

• Via another bank's account: If you wish to pay from another bank account - you can pay through our feature EPay in 4 simple steps:

  • Visit www.citibank.co.in and select 'EPay'
  • Provide your Credit Card Details. Enter your 16-digit Citibank Credit Card number or 14-digit Citibank Diners Credit Card number and the amount you would like to pay
  • Select your non-Citibank account and login. You will be securely redirected to the payment interface of your chosen bank. Enter your authentication details (Net Banking User ID and Password of your Bank Account/Equivalent details)

  • Verify details and confirm payment. You will be shown a transaction acknowledgement screen, which will display a transaction status of 'Success' or 'Failure'. In case of 'Failure' please make the payment again. Please note down the transaction reference number displayed on this screen for any future queries

    • Turn-around time: up to 3 working days

• Payment via Cheques

  You can also drop your cheques/draft into any of the drop boxes placed at select locations and they will be couriered to us. Click here to view a list of drop boxes.

  • Turn-around time: 7 working days

• Payment through ATMs

  You can make payments at your convenience through any of the 24-Hr. ATMs. Just follow the cheque/cash deposit instructions as they appear on the ATM screen.

  • Turn-around time: 7 working days for cheque and 2 working days for cash

• Payment through Electronic Clearance Service (ECS)

  You can opt to set up an ECS instruction for payment of you Credit Card bills automatically from your other bank savings account.

  • Turn-around time: 2 working days
  • To set up an ECS for your Credit Card, please download this form and send it to us

You will receive CitiAlert on your mobile on receipt of cheque and credit of payment. If you have not received the same, please call our 24-Hr. CitiPhone Priority Service Numbers to check status of your cheque.

To avoid any unnecessary charges, it is recommended that you pay the amount in full before or on the due date. This will save you from paying any interest charges or late fees. If a part payment is made, there would be no interest free period and interest charges would be applicable (including on fresh purchases, if any) via an average daily balance method.

Citibank Online helps you access your account anytime, anywhere! So even if you are travelling, you can check the statement details by logging into Citibank Online, or through Citi Mobile and check the payment details. You can make payment online through EPay. If you do not have a net banking facility, you can access your Credit Card details by self-selecting an IPIN. Alternatively, you can drop a cheque at any of the drop boxes in the location. If you are a frequent traveller, we would recommend that you sign up for Statement on E-mail and Electronic Clearance Service (ECS), so that the due amount will be automatically deducted on the due date, eliminating hassles and late payment fees.

Electronic Clearance System (ECS)## saves you the effort of issuing cheques every month towards the payment of your Credit Card dues. You need to authorise Citibank to deduct the amount directly from your bank account every month and your Credit Card Account will be credited on the payment due date.

To set up an ECS:

• Download the ECS form from our forms center, fill it in and send it to us
• Mail the completed form to:
  P.O. Box No. 4830,
  766, Anna Salai,
  Chennai - 600 002

You can choose between three convenient payment options:

• Total Amount Due
• Minimum Amount Due

• A Fixed Amount (subject to minimum amount due)

  • Turn-around time: 14 days

Your monthly payment should cover at least the Minimum Amount Due. Your current Minimum Amount Due is calculated as 5%* of your balance outstanding OR the sum of all installments, Interest/other bank charges, the amount utilised over the credit limit, if any and 1% of remaining balance outstanding, whichever is higher. Any unpaid Minimum Amount Due from previous statements will also be added to your current Minimum Amount Due to arrive at the Total Minimum Amount Due.

In case you fail to make a payment of at least the minimum amount due before the payment due date, late payment charges would be billed in the subsequent statement. Late Payment Charges are applicable as follows:

• Rs.300 for bills up to Rs.10000
• Rs.600 for bills from Rs. 10001 - 25000
• Rs.700 for bills above Rs.25000

Late Payment charges will be applicable if the Minimum Amount Due is unpaid after the Payment Due Date.

If the amount paid towards dues on the Credit Card is less than the Total Amount Due, Service Charges shall be levied on such outstanding (including but not limited to the EMI as above), as per the interest rate applicable and communicated in the Most Important Terms and Conditions (MITC) and Cardmember Agreement. This rate is subject to change with prior notice. The applicable interest rate shall be mentioned on the monthly Statement. Please refer to the Most Important Terms & Condition.

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges. It is subject to change as per relevant regulations of the Government of India.

If you dispute a transaction on your Credit Card, request you to download the "Credit Card member Declaration Form" and send us the duly filled form. Please ensure that the charge dispute is raised within 30 days of receipt of statement, basis which we can undertake investigation. We may give credit for the charge on a temporary basis. If on completion of subsequent investigation, the liability of such charges is on your account, then we will debit the charge in the subsequent Statement and a fee of Rs. 100 will be billed per disputed charge.

You may contact the bank in any of the following ways to raise a charge dispute:

• 24-Hour CitiPhone: For the full list of city-wise numbers, please refer to 'Reach Us' tab on the Customer Service webpage of www.citibank.com/india.
• By logging into Citibank Online Services and initiating a query through your Internet Personal Identification Number (IPIN).
• Through mail, by writing to the Citibank, N.A. Mail Room, No.2, Club House Road, Chennai - 600 002

Click here to view the Charges applicable.

First year fee and Annual Credit Card fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing. For further enquiry regarding Credit Card fees, you can also:

• Visit Citibank Online- visit the Credit Cards section, and select the Credit
  Card type you wish to view details for, or you can compare features of various Credit Card using our comparatorRecommended
• Call 24-Hr. CitiPhone Priority Service Numbers

• Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement
• Your rate of interest initially is 3.15%# per month (i.e., 37.8% annualised). This can change periodically based on your spend, payback and utilisation patterns. Your rate of interest can increase up to 3.5% per month (i.e., 42.0% annualised), in case of default. The default interest rate will apply till the time the account is regularised plus 3 months of performance review period
• If you avail of more than one Credit Card from Citibank then interest rate applicable on the new Credit Card will be same as the existing Credit Card, irrespective the type of Credit Card/class that you choose as your 2nd Credit Card. Essentially, the interest charges will applicable at the customer level and not based on the Credit Card type
• All charges are dynamic and are subject to change based on Citibank's periodic review

Assuming that you have only partially paid your February outstanding, and your statement is generated on 17th March for Rs. 5,000. You make a payment of Rs. 2,000 on 25th March. And you make a purchase for Rs. 1,000 on 30th March. You make no further payment on your Credit Card till 17th April. In this example, interest will be levied as follows:

On the balance of Rs. 5,000 (17th - 25th March) for 8 days: (37.8/365)x8x5000/100 = Rs. 41.42

On the balance of Rs. 3,000 (25th - 30th March) for 5 days: (37.8/365)x5x3000/100 = Rs. 15.53

On the balance of Rs. 4,000 (30th March - 17th April) for 18 days: (37.8/365)x18x4000/100 = Rs. 74.56

Total Interest Charged = Rs. 131.51

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement/payment.

The Suraksha Insurance facility is a twin benefit, which comprises of

• Suraksha Credit Shield: With TATA AIG
• Suraksha Personal Accident: With Royal Sundaram Alliance Insurance Company

Suraksha Credit Shield covers the total outstanding on the Credit Card account up to Rs. 3,00,000.00 in the event of death or permanent disability. The Suraksha Credit Shield premium amount will be charged @ 0.215% on the total amount outstanding on the first of every month. This amount is calculated basis the Credit Card outstanding on the last working day of the previous month. Suraksha Personal Accident Insurance provides for a specified sum in the event of an accidental death/disability. The cover available is for Rs. 10 lakhs for Silver Credit Card customers and Rs. 25 lakhs for Gold and Platinum Credit Card customers. To avail this insurance you will be charged Rs. 74 on a monthly basis for a Silver Credit Card and Rs. 138 for a Gold or Platinum Credit Card. Please note you will also be charged Rs. 15 as transactional handling charges on a monthly basis (plus applicable service tax and education cess). This is an exclusive offer for Citibank Cardmembers, wherein the enrolment is simple and they need not go through any medical check-up prior to enrolment.

The premium is billed monthly to your Credit Card account. The premium to be paid for the credit shield product is basis the outstanding on the Credit Card on the last working day of the previous month.

The benefits of opting for Citibank Suraksha are:

• Cover your Credit Card outstanding
• Additional personal accident coverage
• Attractive premium offers
• No medical check-up**
• Minimal documentation
• Easy payment of premium through your Citibank Credit Card

To make a claim, you or your beneficiary will have to submit a set of documents that will be communicated when the claim is intimated to Citibank N.A. These documents should be submitted as early as possible in order to ensure fast processing of claims. Citibank will work with the insurance company to facilitate the claim handling as much as possible. The decision of admissibility of the claim rests entirely with the insurance company and Citi is not responsible for the same.

You can call 24-Hr. CitiPhone Priority Service Numbers or write to us at any time and opt out of Credit Shield Plus.

No, this coverage is ONLY for the primary Cardmember and not for any other person.

Yes, you can either nominate the same individual for all your Cards or choose different individuals for each Credit Card.

Yes, although Citibank Suraksha is a group term insurance cover, the usual tax benefits that apply in case of individual insurance policies are applicable (as applicable to your income tax bracket under Section 88). Please contact your tax advisor for details.

No, if you opt out of Citibank Suraksha, you cannot sign back on the same Credit Card at a later date. However, you can sign up for Suraksha on a different Credit Card. Please call 24-Hr. CitiPhone Priority Service Numbers or write in to us when you sign-up again.

No, the benefits of the Suraksha Program are only applicable as long as you are a Citibank Cardmember.

Good Health Mediclaim Policy is a comprehensive health insurance policy, which offers the customer an option to opt for hospital cash cover as well. The customer can choose between coverage range of Rs. 50,000 and Rs. 5 lakhs.

This Health Insurance cover is available exclusively to Citibank Credit Cardmembers. Good Health is a group policy issued by New India Assurance Company Ltd.; the largest General Insurance Company in the country where the group is defined as Citibank Cardmembers, their family members and employees. This plan offers cashless coverage for all hospitalisation expenses incurred due to any illness/accident in any of the 4000+ TTK network hospitals. Good health policy also offers you the Good Health Personal Accident Insurance cover up to Rs. 10 lakhs.

The Insurance Premium of every Good Health policy is billed to your Credit Card statement in full. You have to make the payment in the same way as you would pay the other transactions billed on your Credit Card.

You can also use the Revolving Credit Facility available as a feature on your Credit Card to pay the Premium. Please take note of the service charges associated to part-payment. Refer to the Most Important Terms and Conditions for your Credit Card type for more details.

You will get the cover note again in about 45 days post application of policy If you do not receive it after the stipulated time has lapsed, please call 24-Hr. CitiPhone Priority Service Numbers.

Please call 24-Hr. CitiPhone Priority Service Numbers and report your issue.

• Mediclaim cover up to 100 years of age
• No medical check-up/documentation needed up to 60 years of age
• Cashless coverage for all hospitalization expenses due to any illness/accident in 4000+ TTK network hospitals
• Tax benefit under section 80D
• 5% Cumulative bonus subject to a maximum of 10 years of continuous claim free coverage
• Inbuilt hospital cash cover at a very nominal premium charge

The request for Authorisation (Pre-Authorisation) for planned treatment has to be filled up. This form has to be duly filled up by the doctor recommending hospitalisation in block letters indicating the:

• Doctor's Name
• Registration Number
• Contact Number

This is organised for by the insurer/TPA (TTK Healthcare). This request must reach TTK office at least 4 days before hospitalisation. Any change in the date of hospitalisation, hospital, nature of illness or surgeon will make the authorisation invalid. A fresh authorisation will have to be then provided.

Things to note:

• The authorisation is valid only for Network Hospitals
• The authorisation will be addressed to the hospital and sent to the patient's address or faxed to the hospital as desired by the policyholder
• A claim form must be collected from the nearest TTK/Insurance office or you could download the same from the NIA website
• Citibank is only a service provider and will be unable to influence the NIA in getting a claim processed

When the Good Health Insurance Policy is cancelled, the refund of the premium by NIA is as follows:

Please note that there shall be no reversal of transaction fee after the free look period defined above.

In case you wish to cancel your policy, you can either:

• Call 24-Hr. CitiPhone Priority Service Numbers or
• Write to: Citibank N.A., P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002

Credit Shield Plus is a comprehensive insurance package specially created for our Citibank Cardmembers.

Key benefits:

• It covers the balance outstanding on the Credit Card up to Rs. 5 lakhs in the unfortunate event of death or total and permanent disability
• The package includes a comprehensive cover against 9 critical illnesses and also pays out the balance outstanding on the Credit Card in the event of diagnosis
• It also includes a benefit where the minimum amount due on the Credit Card is paid for every month in case of temporary disability

Credit Shield Plus is a group insurance plan that comes to you at a very attractive price as compared to buying individual life or critical illness policies. Its unmatched benefits include:

• No documentation and no medical examination
• Easy payment through your Credit Card
• Hassle free and quick turnarounds on claims processing

Besides, such types of covers with a low and variable sum assured are not available in the market.

The premium rate for Credit Shield Plus is 0.76% of the monthly outstanding*** on your Credit Card Account. This is computed as of the 1st of every month and billed to your Credit Card Account.

For example, if the balance outstanding on your Credit Card Account in a particular month is Rs. 10,000, your Credit Shield Plus premium will be Rs. 76 for that month.

The premium for Credit Shield Plus will appear as a separate charge on your monthly Credit Card statement.

Credit Shield covers the following diseases and medical procedures:

• Cancer
• Stroke
• Heart Attack
• Coronary Artery Bypass Graft Surgery
• Kidney Failure
• Major Organ Transplant

In the event of diagnosis of any of these illnesses or after any of the above medical procedures is performed, the entire balance outstanding on the Credit Card will be paid by the insurer. Please note that there is a 180 days waiting period before the Critical Illness benefit becomes applicable. This period is counted from the date your Credit Shield Plus coverage comes into force.

Yes, the Critical Illness benefit is paid after a waiting period of thirty days after the diagnosis of the illness or after the medical procedure has been performed.

No, once a claim has been paid out under the Critical Illness benefit, the Credit Shield Plus cover ceases.

No, once a claim has been paid out under the total and permanent disability benefit, the cover ends and no further claim can be made. Similarly, if a claim has been paid out under the Critical Illness benefit then the Credit Shield Plus cover ends.

Total and permanent disability shall mean permanent continuous and total disability, for a period of at least six months, such that:

• In the Insurer's opinion, the insured member, despite all optimal medical care, treatment and rehabilitation efforts, is unable ever to engage in any work, occupation, regular duties or profession, whether full-time or part-time, that he can never be capable of doing for the remainder of his lifetime as a result of accidental bodily injury, sickness or diseases
• After all usual and reasonable treatment and rehabilitation measures have been employed continuously to restore the working ability of the insured member
• For the purpose of definition of total and permanent disability, it is immaterial whether the occupation, work, profession or regular duties generate any sort of income, gain or remuneration

Yes, there is a waiting period of six months after the total and permanent disability has been medically certified, after which the benefit will be paid.

Total and Temporary Disability means disability such that the Insured Member cannot perform his own or any other occupation as a result of illness or injury. At the same time, he is not otherwise gainfully employed or in receipt of any payments (including sick pay) from his employer or Worker's Sickness and Disability Benefits ESIC 1948). Home making is not considered to be an occupation.

Credit Shield Plus is offered to the following Citibank Cardmembers:

• Primary Cardmember
• Age at entry: Minimum - 18 years; Maximum - 59 years
• Age Limit for Insurance coverage: 65 years

If you hold multiple Citibank Credit Cards, the maximum coverage applicable per life will be up to Rs. 5 lakhs. For example, if you have 1 Silver Credit Card and 1 Gold Credit Card, your balance outstanding across both Cards will be covered up to Rs. 5 lakhs.

Any time you swap your Credit Card, the Credit Shield Plus coverage will also be automatically transferred to the new Credit Card, except in case you swap with a non-covered Credit Card.

Credit Shield Plus provides a wide coverage and includes benefits due to death, total and permanent disability, total and temporary disability and 6 Critical Illnesses. However, certain exclusions do apply. You will receive a copy of the policy contract that details the same. Please do refer to the same and call 24-Hr. CitiPhone Priority Service Numbers for further clarifications.

Some of the key exclusions for Credit Shield Plus are:

If an insured member commits suicide, while sane or insane, within one year from his/her effective date of coverage, no death benefit shall be payable under this policy.

The policy does not cover any disability caused directly or indirectly, wholly or partly, by any one of the following occurrences:

• Assault and murder
• Service in armed forces in time of war or while under orders for warlike operations or restoration of public order
• Self-destruction or attempted self-destruction or self-inflicted injuries, while sane or insane
• Entering or exiting, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance, except while the insured member is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route
• Any congenital defect which has manifested or was diagnosed before the insured member attains 17 years of age
• Riot and civil commotion, industrial action, strikes or terrorist activities
• Violation or attempted violation of the law or resistance to arrest
• Racing on horse or wheels
• Alcohol or drug abuse
• Pregnancy or childbirth

No benefit shall be paid under this policy for disability due to pre-existing conditions for which the insured member received medical treatment, diagnosis, consultation or prescribed drugs preceding the effective date of coverage.

This policy does not provide any benefit in the event that disability of an insured member was directly or indirectly, wholly or partly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).

No benefit is payable under this policy when the date of loss precedes the effective date of coverage.

Credit Shield Plus is underwritten by Tata-AIG Life Insurance Company.

Yes, this insurance cover is OVER AND ABOVE the free insurance cover that you get being a Citibank Cardmember.

All you have to do is tell us your Citibank Credit Card number(s) and give us a verbal consent to sign-up for Credit Shield Plus on the same. We do not require a sign-up form or any documentation. This call is recorded and will serve as a proof of your agreement to sign-up. Your cover is activated online and begins from the 1st of next month.

Yes, you will receive a complete welcome pack for Credit Shield Plus which will include:

A letter confirming your sign-up, a product brochure and a full copy of the policy contract for your reference.

The insurance cover starts from the 1st day of the month in which your Credit Card statement reflects Credit Shield Plus premium charge. For example, if your Credit Card statement for April 2008 reflects the premium charge, then your coverage would have already begun from 1st April 2008.

You can call 24-Hr. CitiPhone Priority Service Numbers or write to us at any time and opt out of Credit Shield Plus.

Yes, you can enrol again for the package, provided it is only a temporary closure of the Credit Card and you are enrolled in the program at the time you close your Credit Card.

You will receive a letter confirming that your request for opting out of the program has been accepted. This will be done only for a voluntary customer request to opt out.

The insurance cover ends if any of the following occurs:

• You close your Credit Card with Citibank
• On payment of a claim or death claim made by you or your beneficiary
• You call 24-Hr. CitiPhone Priority Service Numbers or write to us to opt out of the program
• Citibank N.A. no longer offers the program
• You attain the age of 60 years
• You swap your existing Credit Card with a Citibank Credit Card that is not covered under the program

Yes, even though this is a group insurance scheme, the usual tax benefits that accrue in case of life insurance are applicable. However, we request you to confirm with your CA/Tax Consultant at the time of filing your tax return.

No, benefits under Credit Shield Plus are only applicable as long as you are a Citibank Cardmember.

No, the cover is ONLY for Primary Cardmembers and not for any other person.

If a claim is to be raised, you or your beneficiary simply needs to contact Citibank through 24-Hr. CitiPhone Priority Service Numbers by writing to us. Since Credit Shield Plus and the claims process is managed by Citibank, the insurance company will not be able to help you. Citibank will work with the insurance company and ensure that your claims are processed as soon as possible.

Upon receipt of this notice, Citibank will issue a standard claim form that will have to be completed and sent back to us. Also, evidence to substantiate the claim will have to be submitted as required by the insurer.

Please send the claim forms to Citibank N.A. We will be forwarding this request to the insurance company to process all claims.

Yes. If the documents submitted along with the claim are not in order, or do not comply with the requirements of the insurance company, the claim could get rejected. The insurance company can also reject the claim in case of fraud or misrepresentation of facts.

We will facilitate claim handling with the insurance company as much as possible. However, in case the claim is rejected, Citibank will not be liable for any claims.

We will be sending you a copy of the policy contract in your welcome pack, which has the detailed Terms and Conditions, benefits and exclusions.

If you have any queries, you can call us anytime at 24-Hr. CitiPhone Priority Service Numbers in your city or write to

Citibank N.A.,
P.O. Box No. 4830,
Anna Salai Post Office,
Chennai - 600 002.

To pay your Birla Sun Life Term plan premium(s), as and when they are due, you have the facility to:

• Issue a standing instruction to Citibank Recommended
• Visit Citibank Online
• Call 24-Hr. CitiPhone Priority Service Numbers

Please visit Citibank Online or call 24-Hr. CitiPhone Priority Service Numbers to change the billing frequency.

It is a Loan given on your Citibank Credit Card or Diners Club International Credit Card. The loan can be against your Credit limit or Cash limit. In some cases, the loan can be even over and above your Credit limit. A demand draft for the loan amount is issued in your name as mentioned on your Credit Card. The draft is mailed to your mailing address within 72 Hrs. of approval of your application.

NOTE: Loan sanctions will have to confirm to certain criteria.

Please note that EMI is also treated like a purchase, if you choose to revolve then the Dynamic Interest Charges are applicable.

• This offer can be availed through 24-Hr. CitiPhone Priority Service Numbers
• This offer is available without any identification documentation, post-dated cheques or down payment
• The draft payee name has to be your name as mentioned on your Credit Card
• The draft reaches you within 72 Hrs. of receiving your request

Yes, provided your other Cards are eligible for Loan on Phone offer. Eligibility for such offers is based on certain criteria decided by our credit committee.

You should declare the proposed end-use of the draft funds at the time of loan booking. It is mandated that the funds are not to be used for business or working capital purpose or speculative investment such as shares and short term investments like Kissan Vikas Patras (KVP), PPF, NSC, Tax saver Mutual Funds, Tax saver fixed deposits, RBI bond, ULIP etc.

No, only the Primary Cardmember can avail of this facility.

You can get a draft up to your Available Cash/Credit Limit, favouring your name as mentioned on the Credit Card. This draft amount will block your Cash/Credit limit proportionately.

Yes, a one-time transaction fee, charged at 2.5% or Rs. 300.00 (whichever is higher), will be applicable on the loan amount availed.

When you avail of Loan on Phone, your next statement is billed for the first EMI and this continues for the time period that the loan has been opted for. EMI will be a part of the Minimum Amount Due. For example, you have incurred a Total Purchase of Rs. 10,000.00 during a particular billing cycle and your EMI is Rs. 2,000.00, the Minimum Amount Due will be Rs. 2,500.00 - which is 5% of the purchase (Rs. 10,000 x 5% = Rs. 500.00) plus the EMI of Rs. 2,000.00. Your Total Amount Due is Rs. 12,000.00.

If you avail Loan on Phone facility, the first EMI and transaction fees will get billed post encashment of funds. The draft should be encashed within 30 days of draft issuance. Your next statement is billed for the first EMI and this continues for the time tenure of the loan. EMI will be a part of the Minimum Due Amount.

Yes, you can. However, your previous loan will block your Cash/Credit Limit, hence you can take a loan only for the remaining limit.

Yes. To do so, you can:

• Call 24-Hr. CitiPhone Priority Service Numbers
• Write to: Citibank N.A., P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002

For pre-closing the loan, you will need to pay the unpaid principal, interest till date, 3% pre-closure charges on the unpaid principal and Service Tax as applicable on the 3% pre-closure charge.

This is based on internal criteria decided by our credit committee. It is an offer extended by the bank to the eligible customers.

You will receive a physical statement every month at your mailing address. You can also register for Statement on E-mail and your statement will be delivered to your E-mail instead of your physical statement. If you have your mobile number registered with us, we will also send you regular alerts intimating you of the statement details, due date etc. This is completely free of cost.

Your statement is divided mainly into three parts. The first part informs you about the major amounts associated with your Credit Card, such as,

• Date of your statement
• Your account number/Credit Card number
• Your payment due date
• Minimum amount due etc.

The second part has a date-wise detail itinerary of your purchases, payments, premiums, fees and interest charges, if any. All your transactions are listed here. The last part has information regarding your total outstanding balance, credit limit available etc. At the bottom of the statement your Reward Point status is also mentioned. You also receive details on the latest offers on your Credit Card.

In case of non-receipt of statement, you can:

• Logon to www.citibank.co.in using your Internet Password (IPIN) and check your account status. If you do not have an Internet Password (IPIN), you can generate one online Recommended
• Logon to CBOL, and place a request for a duplicate statement
• Opt to receive statements by E-mail. Click here to avail this facility
• Call 24-Hr. CitiPhone Priority Service Numbers and get details of your account. You can also get the statements for the last 3 months faxed to you by using the Interactive Voice Response (IVR) facility

Meanwhile, you can also make your payment on the basis of the CitiAlert you would received on your mobile/E-mail.

Credit Information Bureau India Limited (CIBIL) is India's first credit information company that maintains a centralized information repository on consumers and businesses regarding their credit history, based on the information shared by its member banks and financial institutions.

The credit history & repayment behaviour of a customer is translated into a number developed by CIBIL, called 'credit score'. It is an indicator of the
credit-worthiness of a customer. It predicts the likelihood of a consumer defaulting on a payment. A borrower who is more financially disciplined will have a higher credit score. Higher the credit score, better are a customer's chances of availing credit from any financial institution. To know more visit: http://www.cibil.com/faqs.htm

By being regular and disciplined in making your payments and settling all outstanding charges against your name, you can improve your score. For more information, please visit: http://www.cibil.com/managecredit.htm

If you have missed a few payments due to any reason, we would urge you to make the payment as soon as you are able to, to avoid further levy of charges.

• If you require help in re-structuring the outstanding, you can contact our Toll free number: 1-800-419-6747 (will be active between 08:30 - 17:30 hours Monday to Friday)

Depending on your credit history, payment track and the size of the outstanding amount, we will do our best to restructure your repayment in a way that allows you to avoid extra interest charges.

You can contact our Toll free number: 1-800-419-6747 (will be active between 08:30 - 17:30 hours Monday to Friday).

• Visit Citibank Online, logon to your account using your Internet Password (IPIN) and change your mailing, non-mailing address and phone numbers. If you do not have an Internet Password (IPIN), you can generate one online Recommended
• Call 24-Hr. CitiPhone Priority Service Numbers

• Personal Credit Card: The primary Cardmember
• Additional/Supplementary Credit Cards: The primary Cardmember
• Diners Additional Credit Card: Either the primary Cardmember or Additional Cardmember
• Corporate Card: Either the corporate entity or the Cardmember

Citibank will not carry out the following types of address changes:

• P.O. Box No.
• Overseas address

• Visit Citibank Online, logon to your account using your Internet Password (IPIN) and change your contact details. If you do not have an Internet Password (IPIN), you can generate one online Recommended
• Call 24-Hr. CitiPhone Priority Service Numbers

Of course you can. If it is a correction in spelling of the name, you need to provide one of the following documents to carry out the name change:

• School leaving certificate
• Copy of your Passport
• Ration Card
• Copy of your driving license

If you have legally changed your named, please provide us with "Gazette Order" confirming the name change. To include your spouse's name with your name after marriage, kindly provide us with your 'Marriage Certificate'. Upon receipt of any one of the above-mentioned documents, your name change will be effected and a new Card will be issued.

You are required to provide us with any one of the following documents, confirming your date of birth:

• School leaving certificate
• Copy of your Passport
• Ration Card
• Copy of your driving license

Upon receipt of any one of the above-mentioned documents, your date of birth will be updated in our records.

• Visit Citibank Online and send a request to xxxxx@citibank.com
• Call 24-Hr. CitiPhone Priority Service Numbers and register a Card closure request
• Write to: P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002
• Fax a letter requesting closure of your Card to 044-28552484