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Citibank Credit Cards - FAQS
All you need to know about Citibank Credit Cards.
You can apply for a Citibank Credit Card by:
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:
You can make the payment towards your Citibank Credit Card in a number of ways. The various modes of payment are:
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:
NEFT Payment to Credit Card*
E-Pay 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:
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
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.
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.
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.
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:
You can choose between three convenient payment options:
A Fixed Amount (subject to minimum amount due)
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.
Charges on the Credit Card
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:
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:
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:
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.
Insurance billed to the Credit Card
The Suraksha Insurance facility is a twin benefit, which comprises of
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:
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, 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.
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:
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:
When the Good Health Insurance Policy is cancelled, the refund of the premium by NIA is as follows:
Refund grid for 1st year of Policy
|Cancellation Requested||% of Premium Refundable|
|Free look period - 45 days^^||100%|
|Within 3 months^^||50%|
|Within 6 months^^||25%|
|Beyond 6 months^^||Nil|
Refund grid 2nd year onwards
|Cancellation Requested||% of Premium Refundable|
|Free look period - 60 days^^||100%|
|Within 3 months^^||50%|
|Within 6 months^^||25%|
|Beyond 6 months^^||Nil|
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:
Credit Shield Plus
Details regarding application, eligibility, coverage, critical illness, charges, tax benefits and claims.
Credit Shield Plus is a comprehensive insurance package specially created for our Citibank Cardmembers.
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:
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:
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:
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:
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:
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:
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
P.O. Box No. 4830,
Anna Salai Post Office,
Chennai - 600 002.
Birla Sun Life
Loan on Phone
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.
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:
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.
Queries on Citibank catalogue
Citibank Rewards catalogue is one of the options you can use to redeem your Citibank Reward Points. The catalogue offers you a wide range of options with gift vouchers from great brands across apparel, accessories, books, music, entertainment, dining, travel and many more categories.
Apart from the above, your can redeem your Citibank Reward Points during online shopping at websites like indiaplaza.in (see the full list of websites under the online shopping tab) and pay for your purchase with your Citibank Reward Points. Alternatively, you can choose to redeem your reward points instantly at partner retail outlets like Landmark, or Westside with just a swipe of your Credit Card.
If you are a Platinum Select/Titanium Cash Rewards Cardmember, you would need a minimum 500 Reward Points to redeem your gift. All other Credit Cards, need a minimum of 250 Reward Points to redeem rewards.
You can call CitiPhone Banking to find out the status of your order. However, for online shopping, the concerned merchant will provide you the gift delivery status. Reward redemption at Merchant outlet is instant and you can take your shopping home as soon as the bill is settled with payment in Citibank Rewards.
If we are unable to successfully deliver the gift at the address maintained on our records, we will try to contact you via telephone or other suitable means to ascertain your availability and attempt redelivery of the gift.
If we are unable to deliver the gift in spite of repeated attempts, we shall notify you. Your Reward Points redemption request will be cancelled and the Reward Points will be credited back to your Credit Card.
Your gifts will reach you within 7 days from the date of your order on a best effort basis. In case of online shopping, the delivery of products will happen as per the Terms and Conditions of the respective partner website.
Sorry! Once you have made your redemption request, your order cannot be cancelled.
Sorry! You cannot change the items you have selected after the order has been placed.
Gifts redeemed under the Reward Points scheme will be delivered only to the address of the Cardmember as per our records.
You can order only those gifts listed in the catalog. However, on our online shopping partners like Indiaplaza.in, they host over 4 million products and we are sure that will go a long way in bringing you choice-filled experience.
Queries on Instant Rewards
Redemption of Citi Reward Points instantly over the counter at specific partner merchant outlets with just a swipe of your Credit Card. This swipe will adjust your Reward Points towards the purchase amount. You may choose to pay the balance purchase amount, if any, by charging the same to your Citibank Credit Card.
You can redeem points against the gift vouchers mentioned in the Citibank catalogue. This Catalogue is also available on Citibank website for ready reference. Alternatively you can redeem by online shopping by redeeming your points at websites like indiaplaza.in, rightflorist.com, etc. Click here for the full list of partner websites.
This facility allows you to redeem your Reward Points against a wide range of merchandise at these outlets and you are not limited to the brands that are present on the catalogue. Further you can purchase on the spot - you don't have to wait for the item to be delivered to you. Also, you are not limited to your Reward Points. You can always "pay the difference" with your Citibank Credit Card.
Please refer to the Instant Rewards tab in Redeem Rewards section for detailed list of outlets
You would need to know your current Reward Points tally. You can always find this out by sending a SMS Rewards < XXXX > to 52484 where XXXX are the last 4-digits of your Credit Card.
Once you have decided on your purchase at the 'Shop-at-a-store' outlets, present your Credit Card at the counter and indicate to the personnel that you want to redeem rewards against your purchase. Once the online authorisation for the Reward Points takes place, the rewards charge slip is generated by the EDC and the customer will have to sign on the same and keep a copy. The points redeemed and the rupee value of the merchandise bought are printed on the charge slip. The balance points outstanding are not printed.
Citibank Credit Cards Only
No, EDC machines only support redemption and online authorisation of Reward Points. Balance enquiry of Reward Points cannot be made at any of these outlets. Oustanding points can be known from;
No, there is no limit on the maximum number of points that you can redeem. You may choose to redeem all your reward earned on your Citibank Credit Card.
You must have a minimum of 250 points to redeem using this facility.
Definitely. Please indicate the number of points you wish to redeem at the billing counter.
In that case Merchant will do a VOID transaction to cancel the earlier rewards redemption transaction. Cardmember points will remain unaffected.
No, Cardmember will not earn any Reward Points for a rewards redemption transaction on EDC.
No, there is no additional cost for using this facility.
Queries on Online Shopping
Online shopping refers to transactions that you make when you buy gifts or products online on websites. Now with the new Citibank Rewards program, you can pay for your online shopping with your Reward Points at select partner websites.
Click here to view our complete list of websites where you can redeem against purchases.
Definitely. We have partnered with reliable and trustworthy companies who strive to bring you the best quality available in every product you redeem for.
The redemption on Citibank catalogue is restricted to the Citibank catalogue and brings you gift vouchers which you can use at an outlet to purchase whatever you want with those vouchers. However if you are busy, want to make a choice online and get the products delivered to your doorstep, this is the perfect option for you.
At indiaplaza.in, specifically, you can pay with any combination of points and cash, i.e., if a product cost you Rs. 2,100 and you have only 1500 points (assuming 1 point is equal to 1 Re.) then you can pay with your Credit Card for the rest. What's more, you can choose this combination of points and cash yourself.
You can make your purchase as usual on these websites. On the payment page, please click on the option that talks about CitiRewards and you will be enabled to pay through Reward Points. You will be taken to a payment gateway just like it happens today for your regular online Credit Card purchases.
You can redeem your Reward Points against various options based on the type of Credit Card you have. If you have a co-branded Credit Card, e.g., Jet Airways Citibank Credit Card or Vodafone Citibank Credit Card, First Citizen Citibank Credit Card then the reward earned can be redeemed for products and services from the partner, For more details, please call nearest CitiPhone helpline.
If you don't have a co-brand Credit Card you can choose to redeem your Reward Points from a wide range of options. Click here for details on the Citibank Rewards Program.
Reward Points cannot be redeemed in the following situations:
Diners Credit Cards - Club Reward Points
Your Diners Club International Credit Card Monthly Statement mailed to you every month has a separate column, which shows the Club Reward Points earned and redeemed by you. Your Club Reward Points will reflect in the monthly statement subsequent to a purchase.
Additional Points are earned through the promotional offers that take place from time-to-time.
Turbo points are Reward Points earned for purchases made on IndianOil Citibank Credit Card. You can earn one Turbo Point for every Rs. 125 spent on your IndianOil Citibank Credit Card. Purchases of IndianOil products will help your earn Double Turbo Points. These accumulated Turbo Points can be redeemed for free fuel.
For every Rs. 100 spent on eligible purchases using your Diners Club International Credit Card, you earn 1 Club Reward Point. This is the same for Primary and Additional Cardmembers.
At the time of redemption, the Club Reward Points of the Primary and Additional Diners Club Members can be combined and redeemed for items of your choice.
You can accumulate your Club Reward Points for as long as you hold a valid Diners Club International Credit Card. Your Club Reward Points do not expire till they are redeemed.
The Redemption Coupon sent to you with the Rewards Catalogue is to be filled in and sent to Royal Images Direct Marketing Pvt. Ltd. You can also place your orders by calling CitiPhone Priority Service Numbers. You can also ask CitiPhone for extra redemption Coupons. There are no restrictions on the number of times you can redeem your Club Reward Points as long as they are not in excess of the number of un-redeemed Points.
The gifts/rewards can only be delivered to your address, as mentioned in our records.
Your gifts will reach you within 2 weeks from the date of your order.
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,
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:
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
Need Help in Normalizing payment
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.
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).
Change of Address
Citibank will not carry out the following types of address changes:
Change of contact details
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:
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:
Upon receipt of any one of the above-mentioned documents, your date of birth will be updated in our records.
Closure of Card
EMV Chip + PIN Cards
A chip Credit Card is a Card with a microchip embedded in it. When a Chip Credit Card is used at a chip enabled terminal at a merchant outlet or at an ATM, the payment system reads information from the Card chip to establish the Card details. The chip offers a more secure payment mechanism compared to the traditional Magnetic Stripe, and reduces the probability of skimming, i.e., copying of personal data from the information stored on the Card. An EMV Chip + PIN Card mandates the use of a Personal Identification Number (PIN) to authorise purchase transactions providing an extra layer of security. The PIN for your Card is dispatched to you in a separate packet than the Card and should be known only to you. We advise you to not share your Card and your Card PIN with anyone.
APIN is the PIN required for authorising transactions on the EMV Chip + PIN Card at various merchant terminals (EDC machines) and at ATMs.
You can call our 24x7 CitiPhone Helpline to get your existing Magnetic Stripe Credit Card converted to an EMV Chip + PIN Credit Card.
When your Citibank Magnetic Stripe Credit Card is converted to a Citibank EMV Chip + PIN Credit Card, the APIN on your Card is dispatched in a packet separate from your Card to your mailing address updated with Citibank.
If you have not received your Card APIN, or have forgotten the same, you can login to Citibank Online and request for an APIN through the "Other Card Services" section. The APIN would be dispatched to your mailing address updated with us within 5 working days. You may also call our 24x7 CitiPhone Helpline and request for a new APIN to be generated and mailed to you.
Step 1: Ensure the merchant inserts (Dips) the Card inside the chip terminal instead of swiping the Card.
Step 2: Follow machine instructions to select type of payment (Credit / Debit) and amount.
Step 3: Confirm the amount and enter 4-digit Card APIN to authorise the transaction.
Step 4: Remove the Card when the transaction is complete.
It depends on the configuration of the merchant terminal. Merchants in India are progressively moving towards Chip + PIN configuration on their terminals.
If a merchant terminal is already configured for a Chip + PIN Card, a PIN would be mandatorily required for transactions on the EMV Chip + PIN Card. If the merchant terminal is not yet configured, Cardmembers would still be able to transact by just signing a charge slip, generated on using the new Chip + PIN Card.
No, you should never share your Card PIN with anyone, including the merchant. You should always insist on entering the PIN yourself.
In such scenarios, please make sure you remember your PIN correctly. If you do not remember your Card PIN, you can login to Citibank Online and request for an APIN through the "Other Card Services" section. You may also call our 24x7 CitiPhone Helpline and request for a new APIN to be generated and mailed to you. In case you do remember your PIN correctly, please ask the merchant to use the Card on a different bank's terminal.
No, you would be able to use the same PIN to transact at merchant terminals and at ATM machines.
Transactions made online or over the telephone with your Citibank Chip Credit Card would continue to be conducted the same way as with Cards without chip. These may be conducted using the three-digit verification code (CVV) on the back of the Card and/or using a verified by Visa or MasterCard SecureCode password for authorising the transaction. This password is not linked to your Card APIN in any way.
Yes, an add-on Card would have a separate APIN than a primary Card. The add-on Card APIN would be sent to you when the add-on Card is converted to an EMV Chip + PIN Card. You can login to Citibank Online or call 24x7 CitiPhone Helpline to request for a new APIN.
Your Card is being reissued to an EMV Chip + PIN Card to reduce the risk of fraudulent usage on your Card. RBI has also mandated all banks in India to migrate all existing Cards to this new, securer platform as per the latest global standards.
Your old Magnetic Stripe Card remains valid for 60 days after it is converted to an EMV Chip + PIN Card. Post 60 days, your Magnetic Stripe Card would cease to work, and you should use your EMV Chip + PIN Card.
Yes, your Credit Card PIN would work for both domestic and international transactions. Please note that certain countries have not yet migrated to the EMV Chip + PIN platform for Cards. In such countries, your EMV Chip + PIN Card would work in the swipe mode.