FREQUENTLY ASKED QUESTIONS (FAQs)

Frequently Asked Questions (FAQs)

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Try our automated service for your general product & service related queries. In case of further clarifications, you can refer to the FAQs below.

Credit Cards

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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 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 Card number and the amount you would like to pay
    • 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 Cheque

    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 Card bills automatically from your other bank savings account.

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

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 and condition.

You can apply for a Citibank Credit Card by:

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

You can check your Credit Card application status in 3 ways:

  • Click Here to know your credit card application status online. You would need your application reference number and mobile number to know the status of your credit card application. Please note that it may take up to 24 hours for your application status to be updated
  • You can know your Credit Card application status via SMS. Just text 'CCSTAT <11 digit application reference number>' to 52484 from the mobile number you had given in your application to get the application status through SMS
  • You can also call our 24-Hour CitiPhone Banking helpline to check your Credit Card application status. You can check your application status by selecting option *2 and sub-option 1 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 0 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

With a rising trend of card misuse seen internationally, there are times that based on the nature of transaction or the country where the transaction has occurred or for any other reason, cards may be put on block by our specialised team to ensure no financial loss to you as customer or to the bank. You need to provide travel details prior to traveling overseas, in order to avoid misuse and for service related issues.

You will be given access to an exclusive travel help desk number on your card while abroad. This service is called International Travel Privilege Service gives superior service facilities to a Citibank Credit Card customer, while you are traveling outside India. You will be requested to provide the period of travel, country and alternate contact numbers, if any, during your travel for registration with us.

You can pre-register by sending a SMS "TRAVEL" to 52484 or you may call the local CitiPhone number up to one week before your actual travel. Post successful registration you will soon receive a SMS confirming your registration. It will carry the travel help desk number (+91-44- 4265 1010).

For registration of this service you will be requested to provide the period of travel, country and alternate contact numbers, if any, during travel with us. We will also ask for details of Citibank Credit Cards that you will use abroad, so we can ensure you face no problem on your cards during this period. You can state any number of cards. You can register for travel across multiple countries in the same travel period up to 3 months.

You can register only up to a month before travel, you will be given the travel help desk number. If your travel plans change while abroad, you can call the travel help desk number & ask for your dates to be extended. It is valid until completion of journey as per dates registered with us. This service is absolutely free & your pre-registration will be confirmed also by an SMS to your registered mobile number.

For international transactions (swipe) on your card there would be Markup charge* (Visa / MasterCard charges 3.5% - for Retail & Cash transactions, Diner's Card 3.0% - for Retail & Cash transactions) + 12.30% Service Tax on Markup charge. Click here for detailed SOC.

For international ATM cash withdrawal transactions on your card there would be charge US $7.5 or 2% of the amount withdrawn from ATM.

Markup charges are levied by Citibank on all international transaction. This is to ease the Forex fluctuations between the dates of settlement by the merchant and date of clearing / funding with Master / VISA.

FX Rate is applied by the Association and received by Citibank through the Association settlement file and posted to the card accordingly. For conversion, the Association takes the interbank rates.

As per our internal policy guidelines we regret our inability to maintain your card / cards for travel to China. We apologise for the inconvenience caused. For other countries like Thailand, Hong Kong you need to register at least one week in advance of travel for International Travel Privilege Service.

You will be given an exclusive travel help desk number to which you can contact in case of queries or issues on your card while abroad. This service is provided only to customers who pre-register their travel with Citibank up to one month before they travel. This service comes to you complementary from Citibank (there is no fee, it is free).

We register your travel up to (last date of travel that falls inside 3 months period) in country A. Just before this date, please call the special help desk number 24*7 (+91-44-4265 1010) & ask for an extension.

If you dispute a transaction on your card, request you to download the "Cardmember Declaration Form" and send us the duly filled form.

Note:You need to keep your card / card details in safe custody during travel. If there is a dispute coming from same country that you had mentioned to us about this travel, probability of we giving credit will be very less in case of dispute.

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 for your card type.

There is no separate registration required for add-on Card holder, registration has to be done only once.

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.

The APIN for your card can be generated by calling toll free number 1860 266 2484 and following the instructions on IVR. Please keep your credit card and registered mobile number handset handy during the call for APIN generation.

Alternatively, you can login to Citibank Online and request for an APIN through the “Other Card Services” section.

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 scenario, please make sure you remember your correct APIN. In case you do not remember your card APIN you may generate it in a few minutes by calling toll free number 1860 266 2484 and by following the instructions on IVR. Alternatively, you can login to Citibank Online and request for an APIN through the “Other Card Services” section. 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. Online transactions may be conducted using the three-digit verification code (CVV) on the back of the Card and/or using IPIN or One Time Password (OTP) for authorising the transaction. This IPIN/OTP is not linked to your Card APIN in any way.

Yes, an add-on Card would have a separate APIN than a primary Card. You may generate your APIN by calling toll free number 1860 266 2484 and following the instructions on IVR.


Alternatively, you can login to Citibank Online and request for an APIN through the “Other Card Services” section.

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.

You may change your APIN by calling toll free number 1860 266 2484 and following the instructions on IVR. Alternatively, you can change your card APIN at a Citibank ATM by following on-screen instructions.

Generally, your 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 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:

  • 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 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 Card number and the amount you would like to pay
    • 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 Card bills automatically from your other bank savings account.

    • Turn-around time: 2 working days
    • To set up an ECS for your 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 traveling, 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 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 Card dues. You need to authorise Citibank to deduct the amount directly from your bank account every month and your 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,
    No.2, Club House Road,
    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 utilized 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.10,000
  • Rs.600 for bills from Rs.10,001 - 25,000
  • Rs.700 for bills above Rs. 25,000

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 and 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 Card, request you to download the "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.

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

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

  • 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% annualized). This can change periodically based on your spend, payback and utilization 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 Card will be same as the existing Card, irrespective the type of Card/class that you choose as your 2nd Card. Essentially, the interest charges will applicable at the customer level and not based on the 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 Rs5,000. You make a payment of Rs2,000 on 25th March. And you make a purchase for Rs1,000 on 30th March. You make no further payment on your Card till 17th April. In this example, interest will be levied as follows:

On the balance of Rs5,000 (17th - 25th March) for 8 days: (37.8/365)x8x5,000/100 = Rs41.42

On the balance of Rs3,000 (25th - 30th March) for 5 days: (37.8/365)x5x3000/100 = Rs15.53

On the balance of Rs4,000 (30th March - 17th April) for 18 days: (37.8/365)x18x4000/100 = Rs74.56

Total Interest Charged = Rs131.51

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.

It is a Loan given on your Citibank Credit Card or Diners Club International 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 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 can be availed by logging in to CBOL (CBOL fulfillment not available for Top-up loan)
  • 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 Rs300.00 (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 Rs10,000.00 during a particular billing cycle and your EMI is Rs2,000.00, the Minimum Amount Due will be Rs2,500.00 - which is 5% of the purchase (Rs10,000 x 5% = Rs500.00) plus the EMI of Rs2,000.00. Your Total Amount Due is Rs12,000.00.

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.

The avenues and earn rate of reward Points will vary depending on the card type that you hold. You may visit the respective pages on our website to know more

Citibank Rewards Card

IndianOil Citibank Platinum/Titanium Card

Citibank PremierMiles Card

First Citizen Citibank Card

Citibank Corporate Card

Citi Prestige Card

You can check the reward Points on your card from:

  • Your latest Credit Card statement or
  • By sending an SMS - SMS REWARDS XXXX (where XXXX stands for the last 4 digits of your cardnumber) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers
  • If you have a Citibank Rewards Card, Ultima Card, Citi Prestige Card or IndianOil Citibank Titanium or Platinum Card, you can log in to Citibank Online with your User Id and IPIN and select Credit Cards > Redeem Rewards.
  • Please Note - The First Citizen Reward Points earned against purchases made on the Credit Card (Silver Edge, Golden Glow & Titanium) are automatically transferred to Shoppers Stop after each monthly billing cycle and will reflect in the First Citizen account after that.

Sorry, this cannot be done. Rewards redemption can only be done against the card on which the reward Points were accrued.

Reward Points accrued on your Citibank Card are evergreen and don't expire. For Co brand Cards like First Citizen Citibank Card, please visit the partner website for the applicable terms & conditions governing expiry of Points.

Sorry, the reward Points cannot be redeemed when the card is closed.

Here is a snapshot of the world of redemption options available on Citibank Cards:

Type Citibank Rewards Card IndianOil Citibank Platinum / Titanium Card Citibank Premier Miles Card Citi Prestige Card Citibank Cashback Card Citibank Ultima Card Citibank Corporate Card
Rewards catalog on Gift Vouchers Yes Yes No Yes No Yes Yes
Instant redemptions against Fuel Purchases at participating IndianOil outlets Yes Yes No No No No No
Instant redemptions while shopping at select retail outlets & on Online Shopping Yes Yes No No No Yes No
Adjustments against card outstanding Yes Yes No Yes Yes Yes No
Rewards Merchandise Yes Yes No No No Yes No
Transfer to Frequent Flyer programs at select Airline partners Yes Yes Yes Yes No Yes Yes
PremierMiles Website / Select Airline sites No No Yes No No No No
Select Travel booking sites Yes Yes Yes Yes No Yes Yes
  • To know how to redeem Points on First Citizen Citibank Card, please visit the partner website.
  • To know more about redeeming Points/Miles on Citibank PremierMiles Card, please visit https://www.online.citibank.co.in/portal/newgen/cards/tab/citi-premiermiles-card.htm
  • On Citibank Cashback Card, Points will be redeemed against statement automatically once 500 Points are accumulated.
  • To know more about the other modes of redemption and applicable conversion rates, please refer the specific section in this document.

Frequently Asked Questions on Citibank Rewards Catalog

Applicable on Citibank Rewards Card, IndianOil Citibank Platinum/Titanium Card, Citibank Ultima Card, Citibank Corporate Card, Citi Prestige Card

Citibank Rewards catalog 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.

Irrespective of the option you select from the list, we will process the redemption as per the card that you hold. Do refer to the link Click here to check the Catalog for your card to ensure you make the right selection.

The items will reach you within 7 working days from the date of your request, on a best effort basis.

Sorry, once you have made your redemption request, your order cannot be cancelled.

Sorry, you cannot change the items you have selected once the order has been placed.

Items redeemed under the Rewards Points scheme will be delivered only to the address of the Cardmember maintained on our records.

If the redemption has been processed successfully, you will receive an SMS with the Dispatch details at your registered mobile number within 4 working days from the time the request was placed. You will receive another SMS upon successful delivery of the items at the address maintained on our records.

In case of any delays experienced in delivery of the reward items, you may contact the bank by calling or writing to us.

If we are unable to successfully deliver the item at the address maintained on our records despite repeated attempts, your Reward Points redemption request will be cancelled and the Reward Points will be credited back to your Credit Card. You will receive an SMS at your registered mobile number informing you of the return.

You can order only those items listed in the catalog against your card type.

The voucher will be valid for at least 3 months from the time it reaches you. The issue date & validity or expiry date will be printed on the voucher.

For most vouchers, this will be printed on the voucher itself. Alternately, click here to view the list.

Frequently Asked Questions on Instant Redemption against Fuel Purchases

Applicable on Citibank Rewards Card, IndianOil Citibank Card

This feature is available at over 800 participating IndianOil Outlets.

You can SMS IOC <PIN CODE> to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers or visit this link- http://www.online.citibank.co.in/portal/newgen/cards/tab/cc_pdf/IOC_outlets.pdf to locate the outlet closest to you.

IndianOil Citibank Card - 1 Turbo Point = Re.1

Citibank Rewards Card - 1 Reward Point = 25p

You need a minimum of 200 Points to redeem Points against this type of transaction.

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.

Once you have decided on the purchase amount, present your card to the personnel at the IndianOil outlet and indicate to them that you want to redeem your Points against this purchase. Once the online authorization for the Reward Points takes place, the rewards charge-slip is generated by the EDC and you will have to sign on the same and retain a copy. The chargeslip will the titled 'Rewards Sale'.

You can know your current reward Points balance by sending an SMS - SMS REWARDS XXXX (where XXXX is the last 4 digits of your cardnumber) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers.

Frequently Asked Questions on Instant Redemption at Retail Outlets & Online Shopping

Applicable on Citibank Rewards Card, IndianOil Citibank Platinum/Titanium Card, Citibank Ultima Card, Citi Prestige Card

You can redeem your reward Points instantly over the counter at specific partner merchant outlets with just a swipe of your 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 also redeem your Points against purchases made at select online shopping partners. The transaction will adjust your Reward Points towards the purchase amount.

You can visit the 'Shop at a Store' tab for the list of outlets and 'Online Shopping' tab for list of online shopping sites, where this facility is offered.

Once you have decided on the purchase amount, present your card to the personnel at the counter and indicate to them that you want to redeem your Points against this purchase. Once the online authorization for the Reward Points takes place, the rewards charge-slip is generated by the EDC and you will have to sign on the same and keep a copy. The chargeslip will the titled 'Rewards Sale'. In case of Online shopping, once you have made your selection and reach the payment page, please click on the option that talks about Citibank Rewards 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 know your current reward Points balance by sending an SMS - SMS REWARDS XXXX (where XXXX is the last 4 digits of your cardnumber) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers

No, EDC machines only support redemption and online authorization of reward Points. Balance enquiry of reward Points cannot be made at any of these outlets.

Citibank Rewards Card - 1 reward Point = 40p for Instant Redemptions at Retail Outlets and Online Shopping sites, and 1 reward Point = 25p for Instant Redemptions at select Travel booking sites

IndianOil Citibank Card - 1 Turbo Point = 40p

Citibank Ultima Card - 1 reward Point = Re.1

Citi Prestige Card – 1 reward point = Re.1

Citibank Corporate Card - 1 reward Point = 25p for Instant Redemptions at select Travel booking sites

You need a minimum of 250 Points to redeem Points against this type of transaction.

You may choose to redeem all the Points available on your Citibank card.

In such a case, you need to inform the Merchant immediately. The Merchant will then do a VOID transaction to cancel the earlier rewards redemption transaction. Cardmember Points will remain unaffected. If you change your mind later, the Points will not be refunded into your account.

Frequently Asked Questions on redeeming Points against Card outstanding

Applicable on Citibank Rewards Card, IndianOil Citibank Platinum/Titanium Card, Citibank Ultima Card, Citi Prestige Card

You can login to Citibank Online to place a request:

  • Select 'Your Queries' on the left navigation panel
  • Choose the Credit Card on which you want to redeem Points
  • Choose the category 'Reward Points / Redemption related'
  • State the number of Points you want to redeem

Alternatively, you can call 24x7 CitiPhone.

Citibank Rewards Card - 1 reward Point = 35p

IndianOil Citibank Platinum/Titanium Card - 1 Turbo Point = 35p

Citibank Ultima Card - 1 reward Point = Re.1

Citi Prestige Card - 1 reward point = Re.1

Citibank Rewards Card - 5000 points

IndianOil Citibank Platinum/Titanium Card - 5000 points

Citibank Ultima Card - 500 points

Citi Prestige Card - 250 points

You may choose to redeem all the Points available on your Citibank card.

The credit will reflect in 3 working days from the time of placing the request.

You can see this in the Account Summary when you login to Citibank Online. If your statement is not yet generated, this will reflect along with 'Unbilled' transactions. Once your statement is generated, you can see an entry for this transaction.

No, this amount will not be adjusted against the Minimum Amount Due. You will need to ensure payment of the Minimum Amount Due in time to avoid levy of Interest & Late Payment charges.

Frequently Asked Questions on redeeming Points against Rewards Merchandise

Applicable on Citibank Rewards Card, IndianOil Citibank Platinum/Titanium Card, Citibank Ultima Card

Rewards Merchandise is an exclusive site where customers with the card types as mentioned above, can instantly redeem Points against a range of merchandise across accessories, electronics, toys, books, household articles and more. The URL is https://www.rewardsmerchandise.com.

The Points required for each item is mentioned alongside the item.

No, items on this site can only be availed of with reward Points.

This is not possible. You can redeem items on Rewards Merchandise through online redemption mode only.

For all other questions on redemption on this site, please visit the FAQ link on the site - https://www.rewardsmerchandise.com.

Transfer to Frequent Flyer programs at select Airline partners, and loyalty programs with hotel partners

Applicable on Citibank Rewards Card, IndianOil Citibank Platinum/Titanium Card, Citibank Ultima Card, Citibank Corporate Card, Citibank PremierMiles and Citi Prestige Card

Airline Citibank Rewards Card IndianOil Citibank Platinum / Titanium Card Citibank Corporate Card Citibank Ultima Card Citibank PremierMiles Card Citi Prestige Card
Jet Airways Yes 1Point=0.75 Miles Yes 1Point=0.75 Miles Yes 1Point=0.66 Miles Yes 1Point=5 Miles NA for Miles transfer* NA
Air India Yes 1Point=0.75 Miles Yes 1Point=0.75 Miles Yes 1Point=0.66 Miles Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
Etihad Airlines No No No Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
Thai Airways No No No Yes 1point=5 miles Yes 1point=1 mile Yes 1point=4 miles
Cathay Pacific No No No Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
British Airways No No No Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
Singapore Airlines No No No Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
Delta Airlines No No No Yes 1Point=5 Miles Yes 1Point=1 Mile Yes 1point=4 miles
Eva Air No No No No Yes 1point=1 mile Yes 1point=4 miles
Malaysia Airlines No No No No Yes 1point=1 mile Yes 1point=1 mile
Qatar Airways No No No No Yes 1point=1 mile
Taj InnerCircle Membership No No No No Yes 10 points=1 TIC point Yes 5 points = 1 TIC point
Hilton HHonors No No No No Yes 1 point = 1.5 HH point Yes 1 Point = 6 HH Points
InterContinental Hotel Group No No No No Yes 1 point = 1 reward point Yes 1 point = 4 Reward point

* For Citibank PremierMiles Card, you can make a purchase on Jetairways.com and call up 24x7 Citiphone to have your Miles adjusted against this transaction at the conversion rate of 1Mile/Point=50p.

You need to call up 24x7 CitiPhone to place a request.

Airline Citibank Rewards Card IndianOil Citibank Platinum / Titanium Card Citibank Corporate Card Citibank Ultima Card Citibank PremierMiles Card Citi Prestige Card
Jet Airways 100 Points 100 Points 100 Points 250 Points NA NA
Air India 100 Points 100 Points 100 Points 250 Points 100 Points 250 points
Etihad Airlines NA NA NA 250 Points 100 Points 250 points
British Airways NA NA NA 250 Points 100 Points 250 points
Singapore Airlines NA NA NA 250 Points 100 Points 250 points
Delta Airlines NA NA NA 250 Points 100 Points 250 points
Thai Airways NA NA NA 250 Points 100 Points 250 points
Cathay Pacific NA NA NA 250 Points 100 Points 250 points
Eva Air NA NA NA NA 100 points 250 points
Malaysia Airlines NA NA NA NA 100 points 250 points
Qatar Airways NA NA NA NA 100 points 250 points
Taj InnerCircle Membership NA NA NA NA 100 points 250 points
Hilton HHonors NA NA NA NA 100 points 250 points
InterContinental Hotel Group NA NA NA NA 100 points 250 points
Airline/ Loyalty Program
Jet Airways 7 working days from the date of placing the request
Air India 15 working days from the date of placing the request
Etihad Airlines 15 working days from the date of placing the request
British Airways 15 working days from the date of placing the request
Singapore Airlines 15 working days from the date of placing the request
Delta Airlines 15 working days from the date of placing the request
Thai Airways 15 working days from the date of placing the request
Cathay Pacific 15 working days from the date of placing the request
Eva Air 15 working days from the date of placing the request
Malaysia Airlines 15 working days from the date of placing the request
Qatar Airways 15 working days from the date of placing the request
Taj InnerCircle Membership 15 working days from the date of placing the request
Hilton HHonors 15 working days from the date of placing the request
InterContinental Hotel Group 15 working days from the date of placing the request

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 Card, such as,

  • Date of your statement
  • Your account number/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 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/help-center, http://www.cibil.com/faq-brochure.

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/faq/credit-score-and-loan-basics.

  • 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 cangenerate one online Recommended
  • Call 24-Hr. CitiPhone Priority Service Numbers
  • Personal Card: The primary Cardmember
  • Additional/Supplementary Cards: The primary Cardmember
  • Diners Additional 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

Change of contact details

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

  • 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.

Closure of Card

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

  • Login to Citibank Online and submit your request in the 'Your Queries' link
  • 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

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 restructuring the outstanding, you can contact our helpline numbers 011-66218500/ 011-42791101 (Timings: 8:30 AM to 5:30 PM, Monday to Friday and 8.30 AM to 2.00 PM, Saturday. Sundays / Holidays closed.

Depending on your credit history, payment track record 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 helpline numbers 011-66218500/ 011-42791101 (Timings: 8:30 AM to 5:30 PM, Monday to Friday and 8.30 AM to 2.00 PM, Saturday. Sundays / Holidays closed).

Banking

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Your account will be credited in 3 - 4 weeks. However, if the instrument is sent for collection directly to the other bank, we can credit your account only upon receipt of cheque proceeds from the other bank.

You can change your Mailing/Residential/Office Address instantly -online!

Please login to Citibank Online with your User ID and IPIN (click here if you don't have one) and choose the option "Your contact details". Recommended

You can view/update any of your contact details here. To update your mailing address, you will be issued another Online Authentication Code (OAC), which you will receive on your registered mobile number/E-mail ID. You may also call our phone banking officers.

Alternatively, you can change your Mailing/Residential/Office Address through a written instruction along with a valid address proof, duly signed by the authorized signatory. This written instruction along with the proof of address can be:

  • Sent to the nearest Citibank branch
  • Mailed to P.O. Box 4830, Anna Salai, Chennai - 600 002
  • Couriered/Sent by registered post to Citibank N.A., Mail Room, No.2, Club House Road, Chennai - 600 002

Should you require any further clarification on this, we request you to contact CitiPhone or visit any of our nearest branches.

You can update/change your telephone number through Citibank Online. Choose 'Other Services' from the left panel and click on "E-mail/mobile number updation". You may also call our phone banking officers. Recommended

Yes. A written instruction will need to be provided by you requesting a change of signature and bearing both your old and new signature. If you are unable to produce your old signature, kindly visit the nearest Citibank branch. Click here to find the nearest Citibank branch.

The required documents are:

  • The joint holder addition form duly filled up and signed by all the holders
  • One recent photo of new holder
  • Two introduction documents required for the holder as per the new introduction documents requirement covering identity, signature and address. The introduction documents have to be attested by a Citibank Officer after sighting of original identity documents
  • Customer Instruction signed as per existing sign rule
  • Board Resolution/Partnership Resolution/Trust Resolution/Society Resolution mentioning about the addition and the revised mode of operations
  • One photograph for each of the signatories who are getting added
  • Introduction documents required for each signatory (fulfilling ISA requirement). Even one document is sufficient provided the ISA requirement is met
  • Sign Cards (in triplicate)
  • If signatory getting added is a Director, then Form 32 needs to be submitted
  • For error in spelling: Attested copy of introduction documents is required
  • Surname change: Attested copy of introduction documents/Marriage/Divorce Certificate
  • Inclusion of Middle name/Expansion of initials: Attested copy of introduction documents/affidavit
  • For Complete Name change: Attested copy of Affidavit. For complete change of name the following documents are mandatory:

    • The individual needs to notify the change in his/her name in one of the daily leading local newspapers
    • Original affidavit, on non-judicial stamp paper duly attested by Notary Public/Oath Commissioner or First Class Magistrate

Covering letter is required in all the above scenarios.

NOTE: Name change is not possible if DMF Account is active. Name change should be done with fund house against your linked folios before getting the name change done in the Account. Visit the nearest Branch for the process.

Charges for non-maintenance of monthly relationship value would be Rs500 per month for Savings Account and Rs600 for Current Account.

Interest offered on savings account is 4% per annum.

Ensure that you are entering your IPIN in small cases. You can also generate an IPIN instantly on Citibank Online, in case this does not work.

You cannot open a Brokerage Account. We offer Demat services.

Please submit a written instruction mentioning the reason for Account Closure along with the ATM Card cut into 4 pieces. The letter needs to be signed by all signatories/account holders and sent to Citibank N.A., 2, Club House Road, Anna Salai, Chennai - 600 002. Cheque book with all the remaining leaves struck out needs to be handed over to your Relationship Manager/Branch.

You can call 24-Hr. CitiPhone Service Numbers or also can have the request placed on Citibank Online.

The 'Do Not Disturb' status will be reflected on your records within a maximum of 30 days.

  • You may login to the Citibank Online Banking website www.citibank.co.in and click on 'Products & Services' on the homepage of the site and select the relevant bank account information you are looking for Recommended
  • You may also call CitiPhone for details

You may deposit a cheque at any of the Citibank Branches or at any Citibank ATM Centre. Click here to find your nearest ATM Centre. Kindly use the cheque deposit slips available at the Branch / ATM Centres.

Please follow the simple guidelines below to enable faster processing of your cheques:

  • Ensure that your account number and name are correctly mentioned on the deposit slip
  • Ensure that the cheque/draft is properly attached to the deposit slip
  • Make sure the cheque/draft is countersigned in case of an alteration in the payee's name, date, amount and over-writing on the signature
  • Ensure that the amount entered in words and the amount entered in figures on the deposit slip is the same and correct

Citibank offers you the privilege of National Banking. There are no charges applicable for clearing of cheques at Citibank branch locations. You will be charged only if:

  • The instrument is sent for outstation clearing (locations where there are no Citibank Branches)
  • The cheque that you present is returned (cheque bounce)

The charges applicable will be as per the Schedule of Charges, which will be communicated, to you from time to time.

The following charges are applicable for cheque returns:

Local - Rs275 (inward) and Rs100 (outward).
Outstation/intercity cheque return charge - Rs250 (outward). The charges are also dependent on the type of account held.

Your account will be credited in 3 - 4 weeks. However, if the instrument is sent for collection directly to the other bank, we can credit your account only upon receipt of cheque proceeds from the other bank.

There are 2 types of FCY clearing, for Cheques up to USD 10,000 would be 10 - 14 working days and for cheques greater than USD 10,000 up to 30 working days.

Yes, commission charges apply for foreign currency cheque deposits. Visit Citibank Online to verify the charges. This is in addition to the charges levied by other banks.

Your account will be credited at the prevailing foreign exchange rate applicable on the date of credit.

Your account will be debited at the foreign exchange rate applicable at the date of cheque return. In addition, a charge will be levied on your account. The charges applicable will be as per the Schedule of Charges, which will be communicated, to you from time to time.

You can place the request by:

A stop payment instruction on a cheque can be issued through any of the following channels:

The charges for stop payment of cheques would be Rs50 for a single cheque and Rs100 for a series. This also depends on type of account held.

Stop payment can be revoked by calling CitiPhone. You will need your TPIN for verification purposes.

Contact the bank immediately and request for a stop payment on the cheque book.

Automated Teller Machine is a computerised machine that provides the customers of Banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a Bank's branch.

The ATM Cards / Debit Cards, Credit Cards and prepaid Cards (that permit cash withdrawal) can all be used at ATMs for various transactions.

In addition to dispensing cash, other services that can be availed at the ATM include balance enquiry, ATM PIN change, cheque book request, cash deposit, etc. These services vary depending on the ATM machine capacity and from Bank to Bank.

For transacting at an ATM, the customer inserts (swipes) their Card in the ATM and enter their Personal Identification Number (PIN).

Yes, the Cards issued by banks in India should be enabled for use at any bank ATM within India.

PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the bank while issuing the Card. This PIN has to be reset to a new PIN by the customer. Most banks force the customers to change the PIN on the first use.

The PIN number should not be written on the Card, Card holder etc. as in such cases the Card can be misused if the Card is lost/stolen.

The customer may contact the Card issuing bank branch and apply for retrieval/issuance of a new Card. This procedure is applicable even if the Card is sucked in at another bank's ATM.

Yes, banks set limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank during the issuance of the Card. This limit is displayed at the respective ATM locations.

For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of Rs10,000 per transaction. This information is displayed at the ATM location.

No charges are payable for using other banks' ATM for cash withdrawal and balance enquiry, as RBI has made it free under its "Free ATM access policy" since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs20 per transaction.

The customer may lodge a complaint with the Card issuing bank. This process is applicable even if the transaction was carried out at another bank's ATM.

As per the RBI instructions, banks may re-credit such wrongly debited amounts within a maximum period of 12 working days.

Yes, effective from July 1, 2011, Banks have to pay customers Rs100 per day for delays beyond 7 working days. The compensation has to be credited to the customer's account without any claim being made by him/her. If you have not lodged a complaint within 30 days of transaction, you are not entitled for any compensation for delay in resolving your complaint.

For all such complaints, customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

You need to immediately report the loss of your Citi Card to Citibank by calling 24-Hr. CitiPhone Priority Service Numbers. A new Card will be sent to your mailing address at the earliest and your lost Card will be blocked immediately to ensure your account's safety.

No, the Card number will be different. You will also get a new APIN and Internet Password (IPIN).

Yes, for added security, your ATM PIN will change when your card is reissued.

For core accounts, Rs100 + 12.36% tax will be charged. For Citigold Accounts, no charges are levied.

There are two possible reasons for this:

  • You may have entered an incorrect APIN (ATM PIN) thrice at an ATM, therefore your Citi Card is blocked
  • Your Citi Card may be damaged

Yes, you can use your Citi Card at any ATM that is part of the Cirrus, Rupay or Cashnet Network. These ATMs can be identified by the prominent display of the Cirrus, Rupay and Cashnet logos.

On non-Citibank ATMs, Rs70 per transaction on Cirrus (first two withdrawal at Rs50) and Rs35 per transaction on Cashnet ATMs. The charges will also depend on the type of account held. As of now there are no charges.

You can use your Citi Card at any ATM that is part of the Cirrus, Rupay or Cashnet Network. These ATMs can be identified by the prominent display of the Cirrus, Rupay and Cashnet logos.

Your Citi Card doubles up as a Debit Card as well. You can use this to shop at over 25,000 merchant outlets across the country.

Yes, your Citi Card can be used internationally as well.

You will be charged USD 2.5 per transaction if you use your Citi Card to withdraw money from an ATM abroad.

"Family" ATM / Debit Card is an ATM / Debit Card, which can be given to your wife, father, mother, sister, brother, friends, kids (at least 18 years of age). You may choose to gift as many of these Cards as you like. You can even pre-set the monthly spend limit on each Card, thus helping you control expenses. There is a nominal charge of Rs.250 for each Card. Login to Citibank Online to apply now.

Yes, you can set a limit on your ATM Card. You can increase or decrease the limit by giving a written instruction. This written instruction can be:

Sent to the nearest Citibank branch.
Placed in a Drop Box at a Citibank ATM location.
Mailed to P.O. Box 4830, Anna Salai, Chennai - 600 002.

  • Couriered/Sent by registered post to Citibank N.A., Mail Room, 766, Anna Salai, Shakti Towers, Chennai - 600 002

The IndianOil Citibank ATM / Debit Card is India's first co-branded Debit Card. It gives you:

  • A waiver on service charges on fuel purchases at IndianOil Retail Outlets
  • Free fuel earned through the powerful rewards program
  • 5% savings on your fuel purchases throughout the year and many more savings every time you use your Card

This Card is available at a nominal annual fee of Rs250. You can apply for this Card by logging in to your account through Citibank Online.

This Card brings you automatic membership to the First Citizen Club (FCC), the Shoppers Stop Rewards Program. The FCC membership entitles you to exclusive privileges, such as, product previews, priority billing and other special benefits. You enjoy the following benefits on this Card:

  • Reward Points redeemable for FREE Shoppers Stop Gift Vouchers
  • Automatic membership to First Citizen Club
  • Seasonal savings and special shopping privileges
  • Exclusive invitations for movies and events at Shoppers Stop

This Card is available at a nominal annual fee of Rs250. You can apply for this Card by logging in to your account through Citibank Online.

The Citibank Grocery ATM / Debit Card has been designed to bring you savings and benefits every time you go shopping for groceries. You get 5% more on your grocery shopping with this Card and earn five Reward Points for every Rs100 spent on your Card.

This Card is available at a nominal annual fee of Rs299. You can apply for this Card by logging in to your account through Citibank Online.

Yes, you can use your Citi Card at all Citibank ATMs and at ATMs that are part of the Cirrus, Rupay or Cashnet Network. These ATMs can be identified by the prominent display of the Cirrus, Rupay and Cashnet logos.

No additional access fee/service charge is levied on cash withdrawals done at ATMs in India. For cash withdrawals done abroad, the other Bank may/may not choose to levy a service charge/ access fee. Please refer to the Schedule of Charges of your Bank account to understand the charges applicable.

For transacting at an ATM, you need to swipe or insert your Card in the ATM, enter your Personal Identification Number (PIN) and follow the instructions thereafter.

If you are a savings Bank account holder, you can perform a maximum of five transactions for free at other Bank ATMs in a month (inclusive of financial and non-financial transactions), beyond which you may be charged. Charges levied by Citibank are Rs20 per cash withdrawal and Rs9.38 per balance enquiry inclusive of taxes.

If you have forgotten the ATM PIN or your Card has been sucked in by an ATM, please contact the Card issuing Bank and apply for retrieval/reissuance of a new Card.

Yes, as per RBI instructions, Banks have been mandated to resolve customer complaints by re-crediting the customer's account within 7 working days from the date of complaint.

If compensation for an invalid ATM debit has not been credited after the mandated 7 working days and the Bank does not respond to your enquiries, you may lodge a complaint with the local Banking Ombudsman.

If cash has been debited from your account but not dispensed by the ATM, you should lodge a complaint with your card issuing Bank at the earliest. This process is applicable even if the transaction was carried out at another Bank's ATM.

You can locate a Citibank Branch / ATM near you by visiting our Branch and ATM Locations page. You may also use the Citi mobile application on your mobile (by visiting m.Citibank.co.in) to locate your nearest Citibank ATM.

Can be done online. You may also call our phone banking officers. You will have to visit the branch to get this done by providing written instructions in a standard format, a copy of which can be couriered to you.

Credit Cards can be linked to a bank account by contacting 24-Hr. CitiPhone Priority Service Numbers or on Citibank Online. Just login to your account by visiting www.citibank.co.in and follow the instructions given there.

Once your Credit Card and bank accounts are linked, you will be able to access your Credit Card and bank account via the same IPIN by logging on to your account online.

You will have to submit the joint holder addition form duly filled up and signed by all the holders along with the necessary documents. A holder cannot be added or deleted, if DMF Account is active unless it is a death case, for which the deceased process needs to be followed. You can find more about this process by visiting the nearest Citibank Branch or calling CitiPhone.

Loans

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Your Loan Statement of Account showing the amount due, the interest charged and other relevant particulars will be sent during the month of March every year. If you have not received your statement, you can contact our 24-hours CitiPhone Priority Service Numbers or download the same using your QPIN.

We provide you the option of changing your mode of payment, as per your convenience. You can either change your payment mode between Standing Instruction (SI) and Electronic Clearing System (ECS)

  • If you wish to change your mode of payment from SI to ECS, you can download the form from

Electronic Clearing System (ECS)

Standing Instruction (SI)

Yes, you are allowed to prepay your loan. You can also choose to make partial prepayments on your home loan. Please refer to the Terms and conditions mentioned in the loan agreement to know more about the applicable charges on prepayments.

Availing Personal loan

Citibank Personal loan is for all your personal requirements. You can use it for your child's higher education, purchasing consumer durables, renovating your home, to meet the expenses of family functions, to go on a vacation - or just about anything!

Citibank Personal Loan is currently available for salaried individuals, self-employed professionals and business owners. Existing Citibank customers with a Suvidha, Branch or a Mortgage relationship can avail of Personal Loan.

Please fill the form in the Click2Call tab and our representatives will be glad to help you. You can contact our CitiPhone Banking representatives and we would be glad to take this forward.

You can avail of a personal loan of up to Rs30 Lakh, subject to internal Citibank credit parameters.

The interest rates are as follows:

PERSONAL LOANS
Salaried- CAT A corporates(Net Take Home Salary)
Rs20,000 - 40,000 14.25% p.a. - 15.00% p.a.
Rs40,000-80,000 14.00% p.a. - 14.75% p.a.
Rs80,000 + 13.75% p.a. - 14.25% p.a.
Salaried- CAT B corporates(Net Take Home Salary)
Rs20,000 - 40,000 15.00% p.a. - 15.75% p.a.
Rs40,000 - 80,000 14.75% p.a. - 15.50% p.a.
Rs80,000 + 14.50% p.a. - 15.00% p.a.
Self Employed Applicants 15.25% p.a. - 17.00% p.a.

Note:

  • The final pricing, while remaining within the range mentioned above, will be based on your:
    1. Income
    2. Loan amount
    3. Loan tenure and
    4. Citibank's internal credit parameters and the applicable rates at the specific time.
  • The above pricing grid is subject to periodic review

The loan can be disbursed within 48 hours. Timelines mentioned include only working days. Timelines mentioned would commence once the entire documentation as per Citibank's requirements are submitted by the applicant.

You would not require providing any security or collateral for the loan.

  • Documents verifying Identity and Address must be provided
  • Completed Application Form
  • Income documents like latest salary slip and Bank Statements

Click here for a complete list of documents.

You can change your contact details online through bank's web-site www.citibank.com using your IPIN. You can also send a signed letter requesting for changing your communication details (residence or official address, telephone number, mobile number, E-mail ID) to P.O. Box # 4830, Anna Salai Post Office, Chennai - 600 002.

A welcome letter will be sent to your mailing address within a week of sanction of Personal loan. The welcome letter contains:

  • Loan Amount Disbursed
  • Tenure of Loan
  • EMI Amount
  • Interest Rate Applicable
  • Ideal Repayment Schedule

Processing fee is a non-refundable upfront fee payable by you towards expenses incurred by the bank over the tenure of the loan and is as per the Terms and conditions of your agreement with us. This amount is deductible from the loan amount disbursed to you. Hence, the amount disbursed will be the difference between the sanction amount and the loan origination cost. There are no other hidden costs or administrative charges.

The Booking Fee is an upfront fee payable towards expenses incurred by the bank over the tenure of the loan and is as per the Terms and conditions of agreement with the bank. The Booking Fee is non-refundable whether or not the loan is used.

Repayment of loan

You can repay your loan over a period of 12 to 60 months.

At the time of booking of your loan, the EMI (Equated Monthly installments) is calculated based on the loan amount sanctioned, interest rate and tenure.

For your convenience, we provide two options through which you can repay your loan:

Electronic Clearing Service (ECS): If you have a bank account with any bank other than Citibank, you can give us an instruction to directly debit your bank account every month for the EMI amount.

Standing Instruction (SI): If you have a Citibank account you can give us instructions to directly debit your Citibank account every month for the EMI due.

  • For loans booked between the 1st & 20th of a month, the first re-payment will commence from the 1st day of the subsequent month. E.g. For a loan booked on 5th March 2013, the 1st EMI would commence from 1st April 2013.
  • For loans booked between 21st and the last day of the month, the EMI would commence from the 1st day of the second succeeding month. E.g. For a loan booked on 21st March, the 1st EMI would commence from 1st May 2013.

If there is a delay in the payment of an EMI, an additional interest of 2% on the Principal Outstanding is levied on the account. Penal charges will not be levied to your account, as long as the payment is received by the end of every month, when it is due.

If a cheque or an ECS (Electronic Clearing System), is presented and bounces, a charge of Rs250, (exclusive of the Service Tax @ 12% and Educational Cess @ 0.36% of the charge), is levied on the account. For the purpose of the convenience of the customer, the ECS is presented on the 1st working day of every month in which the EMI is due. Bounce charges will be levied if the ECS bounces for the initial and subsequent presentations during the month. Financial bounces are represented in re-presentation cycle, which happens between 11th to 15th of every month. Please note, Bounce Charges will not be levied if alternate payment is made before the 7th of the month.

We calculate your interest on the daily balance using the Daily Reducing Balance Method. The benefit of this method is that your interest is calculated only on the outstanding loan amount, which reduces every time you make your EMI payment or any prepayments.

We provide you the option of changing your mode of payment, as per your convenience. You can either change your payment mode between Standing Instruction (SI) and Electronic Clearing System (ECS)

  • If you wish to change your mode of payment from SI to ECS, you can download the form from

Electronic Clearing System (ECS)

Standing Instruction (SI)

Please send us a copy of your bank statement, which shows this double debit, along with your banker's certificate to our mailing address. On verification of the same, we will issue you a refund amount from the excess payment withdrawn.

Your Loan Statement of Account showing the amount due, the interest charged and other relevant particulars will be sent during the month of March every year. If you have not received your statement, you can contact our CitiPhone or download the same using your IPIN.

The repayment schedule sent to you initially is based on the assumption that the realisation of funds and the credit to your loan account occur on the 1st of the calendar month. However, the actual credit might happen later and hence interest is charged for this period. The marginal difference in the interest amount between the repayment schedule and the statement of account is due to this.

After the final settlement of your loan account, the release letter stating that you have no dues will be sent to you. Along with the release letter, any refunds due to you will be mailed to you within 15 days of closing your loan account. If you do not receive the same within 15 days, please contact our customer support officials.

Home Loans are available from Rs5 Lakh to Rs10 Crore.

Citibank Home Loans have maximum repayment tenure of up to 25 years. The actual tenure of your loan is subject to the bank's discretion.

Based on the valuation of your property, you can avail a Home Loan of up to 80% of your property value.

You should be at least 23 years of age and have work experience of at least 2 years to avail a Home Loan from Citibank.

Repayment capacity is based on factors such as income, age, tenure, etc. You can also include your spouse's income to further enhance your Home Loan eligibility. The inclusion of such income is subject to Citibank discretion.

Yes, based on your income and capacity to repay, we can give you an in principle approval for a Home Loan. Based on the approved loan amount, you can easily identify the property you need to buy. However, the property should meet Citibank Credit parameters for obtaining a final sanction.

Yes, once you have completed repayments on your existing loan for more than 6 months, we offer you an additional top-up loan on your existing Home Loan. The final sanction of such loan is at the discretion of Citibank.

EMI

EMI stands for Equated Monthly Installments. This instalment includes both the Principal and Interest Components. Citibank Home Loans are repaid through EMIs (Equated Monthly Instalments) over the period of the loan. The table below shows indicative EMIs for different periods for a loan of Rs1 lakh and interest rate of 10%. Click here to find out the EMI on your loan.

Loan Tenure (in Years) EMI Per Lakh (in Rupees)
5 2,125
7 1,661
10 1,322
15 1,075
20 1,322
25 909

Loan Repayment

Citibank offers you a host of repayment options for your loan EMI. You can pay your EMI through: SI (Standing Instruction) on your Citibank account or an ECS (Electronic Clearing System) instruction on your Non-Citibank account.

Yes, you are allowed to prepay your loan. You can also choose to make partial prepayments on your home loan. Please refer to the Terms and conditions mentioned in the loan agreement to know more about the applicable charges on prepayments.

Home Credit

Yes, you can! You can opt for Citibank Home Credit to further reduce the interest cost on your Home Loan. To know more, click here.

Ready Credit - Overdraft Facility

Citibank Ready Credit is a personal over draft line linked to your Suvidha Salary Account. This facility is offered to employees of select corporate customers. It is a simple, easy-to-use Overdraft facility which provides account holders an Overdraft Line of up to three times of their net monthly take home salary (up to a maximum of Rs3 Lakh).

Account holders can apply for this facility along with the Suvidha application form, i.e. at the time of Suvidha Account Opening. Account holders may also apply separately/ later through a simple form, or call up CitiPhone and ask for this facility.

  • Instant access to the assigned overdraft line ( upto Rs3 Lakh*) in your account which can be accessed through an ATM / Citi debit card / CitiPhone / Cheques and even online through CBOL
  • No Documentation/ No Post Dated Cheques and No Prepayment Penalty
  • Online transactions like funds transfers, bill payments, etc possible.
  • Repay the utilized amount per your comfort, subject to a minimum monthly repayment of 5% of the line utilized
  • This facility remains with the account holder as long as he keeps repaying his minimum dues and meets the bank's internal criteria. There is no need to reapply for this product as is the case with other credit instruments
  • Attractive interest rate
  • Customers can make purchases directly using the Ready Credit Overdraft facility by selecting option 2 on the EDC machine during transactions (only at stores displaying the Maestro logo)
  1. The debit/ATM Card allows you to withdraw funds directly from your Ready Credit account leaving the balance in your Savings account for other financial commitments that you may have. Just select 'Ready Credit / Current Account' while withdrawing funds from the ATM.
  2. The debit card can be used to shop at all the merchant establishments using the "current account" option on the EDC machine
  3. Funds transfer can be done through CitiPhone or CBOL ( Citibank Online ) and also on the Citibank Kiosk

There is an activation Fee of Rs.500, which is a onetime fee payable when you use this facility for the first time. An annual renewal fee is charged at 2% of the Line Amount or Rs.750, whichever is lower. This fee is charged on the completion of one year from the date of first usage of the Ready Credit facility.

Once the Suvidha account is opened and has 3 salary credits, the Ready Credit line automatically gets set to up to 3 times of the net salary credited in the account. To activate the account, simply use your Ready Credit account through any of the steps highlighted in FAQ # 4.

The interest is charged only on the amount used and the period used. For Example if you only use Rs10K for 15 days then you need to pay interest only for 15 days and not for the month. Citibank offers very attractive interest rates for its Ready Credit. The interest is calculated on a daily reducing balance and there is no pre-closure penalty charged. The interest for the amount used will have to be paid on the 1st of every month. In case there is no usage of the facility, there will be no interest payable.

You can utilize the complete amount assigned to you as your personal line of credit. However, cash withdrawal is restricted to the daily ATM withdrawal limit assigned to you. You can check the credit line assigned to you by logging on to Citibank Online (CBOL). Details of your Ready Credit Line will appear under the option - Line Amount.

Every month there is a mandatory repayment of 5% of the outstanding balance as on the day of Salary Credit, which is taken from the Suvidha Account. For example if the outstanding is Rs50,000, you have to pay Rs2,500. This amount will be earmarked from the Suvidha account for payment towards the Ready Credit account. Once the minimum due is paid off, this amount added back to your withdrawal limit on the Ready Credit line.

The interest for the amount used will have to be paid on the 1st of every month. In case there is no usage of the facility, there will be no interest payable. The minimum due towards the principal amount used is deducted on the date of salary credit.

Any amount in excess of the minimum due can be transferred to the Ready Credit Account as repayment.

The Ready Credit line remains with you till the time you have a Corporate Suvidha Salary account with Citibank. As you keep repaying the amount used earlier, the same funds become available to you on your Ready Credit account for future use. However, since Ready Credit Account is linked to a Salary Account, the facility will cease to exist if the salary stops coming to the Suvidha Account. This could be because of a change in job. In such cases the account holder is supposed to clear the Ready Credit outstanding.

In case there is no salary credit for 45 days, this facility will be withdrawn and the account holder is required to repay the outstanding over 20 equated installment of the Principal Amount. The interest on the outstanding needs to be paid every month. This would help you close the ready Credit Account in 20 months. You can give an SI or ECS for paying the monthly dues.

In case the new employer of the customer has a Suvidha relationship with Citi, the customer can continue to use his old Suvidha account as well as the Ready Credit facility. All the customer needs to do is update his latest Office Address and Residence Address (if changed) along with the details of the new Corporate being joined. This can be done by contacting CitiPhone or the service RM for that corporate.

There is a monthly minimum due earmarked against the balance available in the Suvidha account. This means that customers can withdraw the complete amount except for the monthly minimum due of 5%. Once the minimum due is paid, the funds would be again available as withdrawal amount on his Ready Credit account.

Investments

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Citi analyses all the funds introduced by the various fund houses and brings you only the best and what we strongly believe will do well. We, however also share with you all details about the fund, for you to help decide yourself as well.

  • Visit www.citibank.co.in
  • Login using your Citibank Online User ID and IPIN
  • Send a request for the required document through the mailbox

Alternatively, you can also:

No documents are required for submitting this request.

Yes, we risk profile our customers before they begin investing/periodically to understand your risk appetite for investments. Only on the basis of your profile, do we recommend investment options.

Yes, of course. Click here and follow the instructions on this page for making the deposit. You will need your Citibank Online login Id and IPIN. In case you do not have an IPIN, Click here to generate one.

Yes, you can close your deposit through Citibank Online.

You can also send written closure instructions to us through either of the following means:

  • Drop off the request at the nearest Citibank branch
  • Mail it to: Citibank Head Office - P.O. Box 4830, Anna Salai, Chennai - 600 002
  • Sent it by registered post or courier to: Citibank Head Office - Citibank N.A., Mail Room, No.2, Club House Road, Chennai - 600 002

No documents are required for submitting this request.

The prevailing deposit rates are available here.

  • Visit www.citibank.co.in
  • Login using your Citibank Online User ID and IPIN
  • Send a request for the required document through the mailbox

Alternatively, you can also:

No documents are required for submitting this request.

This may have happened if the yearly income earned as interest from your deposits is greater than Rs50,000. In this case, as per regulation, Form 15H becomes null and void. Usual rates are applicable for tax deduction.

Yes, you can invest in your existing Mutual Funds through Citibank Online. However, if you wish to invest in a new Mutual Fund, you need to complete certain formalities as laid down by the Mutual Fund houses. You can contact the Relationship Managers at your nearest Citibank Branch for assistance.

Click here to visit the investment section and see the NAV of Mutual Funds at previous day's closing.

Yes, you can do this by using Citibank's Systematic Investment Plan. This plan allows you to invest a fixed amount every month.

Alternatively, you can also:

Yes, you can do so on the same day before the cut-off time.

This could have happened if profiling was not done for you. Please contact the Relationship Managers at your nearest Citibank Branch for assistance.

Profiling is a process of understanding the needs of our valued customers, so that can offer them the most suitable investment plans as per their needs and financial goals. It identifies and analyses your attitudes towards risk and investing. Please contact the Relationship Managers at your nearest Citibank Branch for assistance.

Online & Mobile Services

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Online Services - FAQ's

Citibank Bill Pay allows you to pay your bills through various channels, such as, Citibank Online, CitiPhone or Citi Mobile. You do not even have to remember the due date of your bills, as you can set up SMS reminder alerts for the same.

At Citibank, we are committed to making your online banking experience safe, secure and pleasant. Online Security pertains to the actions we take as well as measures we recommend for you that will keep your account safe from any attempted fraud.

Online and Mobile Services - FAQ's

Internet Banking Basics

Internet Banking brings banking to your fingertips. You can access your bank account and perform all banking operations online, at your own convenience, from anywhere in the world. All you need for this is an Internet Banking User ID and IPIN from Citibank.

An Internet Banking User ID can be minimum of 6 characters and a maximum of 50 characters and can be letters or alphanumeric. An IPIN is your internet banking password. Citibank Online can be accessed by authenticating your User ID and IPIN. You can select / change your User ID and IPIN anytime you wish online.

If you forget your IPIN, you can generate a new IPIN online anytime.

Online Security

At Citibank, we are committed to making your online banking experience safe, secure and pleasant. Online Security pertains to the actions we take as well as measures we recommend for you that will keep your account safe from any attempted fraud.

Sending a fraudulent E-mail is a type of malpractice that aims that siphoning your sensitive personal information from you, also known as phishing. This E-mail is forged to look like a legitimate E-mail from a trusted source, making it very hard to distinguish from a genuine communication. You must become extra careful while handling any E-mail, no matter how genuine-looking, (e.g., from an E-mail address like support@Citibank.com or customercare@Citibank.com) that asks you to:

  • Provide personal information on the spot, such as, by replying to the E-mail. Citibank will never ask you to send your Credit Card number, Internet banking User ID and Password, and other sensitive information in an E-mail.
  • Click on links that will take you to unsecured page(s) where you will be required to fill out your personal information.
  • Enter your User ID and Password in a Login page that opens in a pop-up window. Citibank login pages are always on a webpage and never in a pop-up window.
  • Provide your User ID as well as Password in order to provide any service. Citibank will never ask you to disclose your password directly.

Citibank customers have received fraudulent E-mails claiming to be from Citibank from time to time. This does not mean that any of Citibank's security systems were breached. However, we are committed towards checking such malpractices. We encourage our customers to report any such incident so that we can bring it in the notice of appropriate law enforcement agencies to investigate them. If you receive any suspicious E-mail, delete it immediately and notify your local Citibank customer service officer.

To ensure that you are going to an authentic Citibank site, type in the entire Citibank website address - www.citibank.co.in - into your Internet browser instead of clicking on any link directly.

You can visit Citibank Online Recommended or call our 24-Hr. CitiPhone Service Numbers to send a complaint. You can contact any local Citibank Customer Care official and report the same.

Statement on E-mail

Statement on E-mail is a soft copy of your Credit Card or Account Statement that is delivered to your E-mail address. The standard format for sending the account statement is the PDF format.

PDF is an acronym for Portable Document Format (PDF). It is a universal file format created by Adobe to provide a standard form for storing and editing printed publishable documents. To view PDF files, you need to download the Adobe Acrobat Reader application, which is available for free from Adobe's website.

It is recommended that you use Adobe Acrobat Reader version 5.0 or above, as older versions of Adobe Acrobat Reader do not support this feature.

Yes, you can. To download your statement, just click on the 'Download' link in your E-mail and save it on your computer.

To take a print:

  • Download the document and save it at a desired place on your computer.
  • Open the saved document. You will be prompted to enter your unique password, which should be a combination of the first four letters of your name (as mentioned on your Credit Card or Account Statement), followed by the first four numbers of your date of birth (in DD/MM/YYYY format).
  • Enter the password and click OK. The document will now open.
  • Give the print command. Your document will be printed.

The unique password for your Statement on E-mail comes in a 8 character alpha numeric format, which is a combination of the first four letters of your name (as mentioned on your Credit Card or Account Statement), followed by the first four numbers of your date of birth (in DD/MM/YYYY format). For example, if the name on your Card or account statement is Rahul Gupta and the date of birth is 01-02-1969, then your password will be 'RAHU0102'. This password is not case sensitive. Please do not include any spaces, dots or any other special characters while entering the password.

A password confirmation window will open asking you to enter the password. You simply have to key in your unique password in the confirmation window. Once the password is confirmed, you can view your statement.

Your Statement on E-mail is sent to you in a 128-bit encrypted format and can only be viewed using your unique password, making it completely safe and secure.

This error message means that the Adobe Acrobat version that you are using is not Adobe Acrobat Reader 5.0 or above. Please download the latest version of Adobe Acrobat Reader from here.

No. PDF is the only format through which you can receive your Credit Card or Account Statement on E-mail.

You can change the E-mail address at which, you wish to receive your Statement on E-mail by visiting Citibank Online. Login to your account using your IPIN and select 'Update Contact Details' to change your E-mail address.

Yes. You can download and save the PDFs on your computer for future reference. You can also download and view them from Citibank Online anytime, anywhere. You can also issue duplicate statements from Citibank Online.

Please ensure you enter the password in the correct format - i.e., first 4 letters of your name, as it appears on your card, and first four numbers of your date of birth, as per the DD/MM/YYYY format. Please do not include any special characters. If you are still unable to open, please call our 24-Hr. CitiPhone Priority Service Numbers, our CitiPhone officers will be happy to help.

Citi Mobile Facts

Citi Mobile is a mobile banking solution that allows you to access your account using a mobile device, to view account related information, transfer funds, pay bills and much more.

Citi Mobile can be accessed on the mobile browser or downloaded as an application onto your mobile. You can then login using your User ID and existing IPIN. Hence, this is different from the existing SMS based mobile services like CitiAlert and CitiAlert on Demand.

Citi Mobile can now be accessed in two ways: Visit us on your mobile browser, at m.citibank.co.in. If you have a Smart Phone, you can download the App by sending an SMS MBANK to 52484. iPhone and Android phone users can download the Citi Mobile App from App Store and Android Market respectively.

You can view the list of Citi Mobile compatible handsets by clicking here.

In case you do not know your handset model, please check the phone manual provided with the same. The handset model/number may be printed beneath the battery inside the handset. Some corporate BlackBerry phones may not allow installation of 3rd party applications.

Bill Pay

Citibank Bill Pay is a service that offers another unfair advantage to its customers. It eliminates the queues from your life and also the perpetual hunt for the drop boxes to pay your bills. You can now pay all your bills from your Citibank account and can even set up standing instructions for automatic bill clearance from your account. You can also set maximum bill payment limits.

Citibank provides Citibank Bill Pay Service exclusively for its customers, both Cardmembers and Account Holders. It is a service designed to make waiting at collection centres and trip to drop boxes a thing of the past.

Citibank Bill Pay allows you to pay your bills through various channels, such as, Citibank Online, CitiPhone or Citi Mobile. You do not even have to remember the due date of your bills, as you can set up SMS reminder alerts for the same.

Citibank Bill Pay helps you pay several types of bills, such as phone, electricity, insurance premiums, donations, subscriptions etc. Click here to see a complete list of billers.

You can pay your bills using Citibank Online, Citi Mobile and CitiPhone.

Citibank Bill Pay service is completely safe and secure as Citibank practices all safety protocols as per industry standards and guidelines.

All transactions done through Citibank Online are free for Credit Cards, NRI, Suvidha and Citibank banking customers. For transactions done using CitiPhone, a charge of Rs25 per transaction will be levied only for Suvidha customers.

You will still continue to receive your physical bills when you use Citibank Bill Pay.

All Citibank Cardmembers and banking Citibank customers can use Citibank Bill Pay services.

There is no need to subscribe to Citibank Bill Pay service. Any Credit Cardmember or Citibank banking customer can make bill payments through Citibank Online, Citi Mobile or CitiPhone.

Yes, you can. The bills will be cleared automatically as per the standing instructions only till the maximum limit that you have set.

Prepaid Mobile Recharge

The Mobile Prepaid Recharge facility allows you to recharge your Prepaid mobile connection by using your Citibank Credit / Debit Card, which you can do from anywhere, anytime. This service is available free of charge.

You can use either of the following secure and simple channels:

Procedure for using Citibank Online to recharge your prepaid mobile:

  • Login to Citibank Online
  • Go to the 'Recharge Prepaid Mobile' section
  • Enter the mobile number you wish to recharge, select your operator and choose a payee nickname. You can choose to remember this payee for future transactions. An Online Authorisation Code (OAC) will be sent instantly to your registered E-mail ID and an SMS to your registered mobile number
  • Once you have the OAC, go to the 'Payee List' section and activate your mobile recharge payee by using it
  • Choose the Account/Card you want to debit. Enter the recharge amount and confirm the same to recharge the prepaid mobile number. Your Prepaid mobile connection is now recharged. A confirmation SMS will also be sent to this number

Procedure for using Kiosks at Citibank ATM Centres to recharge your prepaid mobile:

  • Walk into any the Citibank ATM centre which has a special kiosk installed
  • Swipe your Card at the kiosk and enter your 4-digit ATM PIN (APIN)
  • Select 'Payment and Transfers' option
  • Select 'Online Prepaid Recharge' and choose 'Recharge a Registered Number' for a registered number or 'Recharge Another Number' to register and recharge a new number
  • If you have chosen 'Recharge Another Number', then enter the new mobile number and the amount you want to recharge. If you chose an existing number, then just enter the recharge amount
  • Your Prepaid mobile connection is now recharged. A confirmation SMS will also be sent to this number

Procedure for using SMS to recharge your prepaid mobile: Recharge via SMS service has been withdrawn. You can recharge your prepaid mobile connection by logging into Citibank Online, visiting a Citibank Kiosk or by calling 24-Hr. CitiPhone Priority Service Numbers.

The Online Authorisation Code (OAC) is delivered to the registered E-mail ID and mobile number. If you do not receive the same, it may be due to change in your contact details have changed. If yes, then you can update it by logging into Citibank Online. However, for security reasons, the OAC will not be delivered to the new E-mail ID and mobile number next 30 days. You can still receive the OAC in this case by calling 24-Hr. CitiPhone Priority Service Numbers. In case your contact details have not changed, please try to generate the OAC again and check if it gets delivered. If the is still not resolved, please contact our customer care department.

No. Your Prepaid card will be refilled with airtime after subtracting fixed rentals, service tax, etc. as levied by the Cellular Operator from the amount indicated by you. This will be the same amount as is usually deducted by the Cellular Operator for Prepaid recharges (please contact your Operator for details of these charges). Citibank will not deduct any charges from the customer towards provision of this service.

Yes, the upper limit for recharging your account is Rs5,000 per transaction. Please contact your mobile operator for more details.

This service is currently available for prepaid connection users of the following mobile service providers: Airtel, Vodafone, Aircel, Idea, Reliance, Tata Indicom, BPL Mobile, BSNL and Virgin.

You can recharge any number of Prepaid mobile connections on your Citibank Credit / Debit Card.

This service is absolutely FREE for all Citibank Credit Card and Savings Account customers. In fact, you get Reward Points on your Citibank Debit / Credit Card.

  • This facility is absolutely FREE!
  • It allows you to recharge your prepaid connection anytime and from anywhere
  • By using your Citibank Credit Card you can avail up to 45 days of credit for this prepaid recharge transaction
  • You get Reward Points on your Citibank Debit / Credit Card!

CitiAlert

CitiAlert is an Internet-based notification system that you can use to keep up-to-date with your account information. You can receive these alerts as an SMS or as E-mail. You can control the frequency of these messages. You can choose to receive these messages:

  • Periodically, such as, once week or once a day
  • As an event occurs. You can choose to receive a reminder messages for bill payment or status of any account activity

You would need to register for the service, which is a one-time process. You can now set alerts for your account, choosing their content and periodically. You can subscribe or unsubscribe for any alert anytime.

You can use any on the following channels to register for CitiAlert:

Citibank Online registration process:

  • Log on to Citibank Online
  • Select the option to 'Register for CitiAlert' present under the 'Customer Service'. After completing the registration process, you can go to your personalized alerts page, 'My Alert', where all the alerts that you have registered for are listed

CitiPhone registration process:

  • Call 24-Hr. CitiPhone Priority Service Numbers.
  • Use your TPIN to begin the registration process for CitiAlert. The CitiPhone Officer would record your requests for particular alerts and set up your profile as per your instructions.

Registration by Physical form submission:

  • Visit any Citibank branch or an ATM and pick up a CitiAlert registration form
  • Fill it out indicating the alerts you would like to receive and send it to the indicated address
  • Once your registration has been updated on our systems, an IPIN (Internet Password) will be sent to you, which you can use to manage your alerts.

Yes, you can access this service through any mobile phone.

It simply means that the event for which you have set up the alert has taken place and the CitiAlert for the same has been generated to be sent out to you as SMS or E-mail, as indicated by you. Some of the triggers are processed in a batch mode and hence you may be sent the message after a certain time lag. For the first instance the alert will be sent to you as and when the event is triggered. Subsequently it will be sent based on the frequency you have selected.

In case of SMS alerts, you will receive a text message which you will able to view like any other message. In case of E-mail alert, you will be able to see the sent alert whenever you login to your E-mail account.

You can select the frequency for certain alerts. You can decide to receive these messages:

Periodically:

  • Once a day - message is sent only once a day regardless of the number of times the alert is triggered in a day
  • Once a week - message is sent only once a week regardless of the number of times the alert is triggered in a week
  • Once a month - message is sent only once a month regardless of the number of times the alert is triggered in a month

As event occurs:

For certain Alerts you will be alerted every time a particular event occurs, e.g., salary being credited.

Most cellular operators in India do not charge customers for receiving messages (terminating on the handset) on the mobile phone. Please check with your cellular operator for more information.

No, the alert will be delivered to your registered E-mail address.

All Citibank customers can avail of this service.

You can place your request for Account/Credit Card details by sending any of the keywords mentioned in the table below to 52484 as an SMS:

Eg: If you want to fetch your account balance and if the last four digits of your debit card number is 7656, the content of the SMS to 52484 should be BAL 7656.

If you are NOT on Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Bank Account Holders  

SMS

To Get

BAL XXXX

Account Balance

SAL XXXX

Last Salary Credit in Bank Account

ATM <Location>

Nearest ATM

DUPSTAT XXXX

Duplicate Statement

CHQBOOK XXXX

New Cheque book

Credit Card Holders  

SMS

To Get

STMT XXXX

Total Amount Due, Minimum Amount Due and Payment Due Date

CARDBAL XXXX

Credit Card Outstanding with Available Credit Limit

REWARDS XXXX

Reward Points

XXXX is the last four digits of Credit / Debit Card

User ID Based Login

User ID Based Login allows you to login to Citibank Online with a User ID of your choice. This User ID will be the single ID to access your account on Citibank Online, Citi Mobile and to authenticate your Online purchase transactions. Unlike the current nickname, the User ID will be your login ID to access your accounts Online from any Desktop / PC / Laptop / Mobile Devices.

Currently, you access your accounts Online with the 16 digit Debit or Credit Card number or Loan number for Personal / Home Loan accounts. This is now being replaced with the User ID Based Login where you can select a User ID of your choice and use this to access your accounts Online.

It's convenient now because:

  • You do not have the hassle of remembering a 16 digit number for login. You can select a User ID of your choice in just 30-second with your IPIN.
  • The User ID is easy to select and convenient to remember.
  • One User ID to access all your accounts Online - through CBOL, Citi Mobile and for your Online purchase transaction authentication.
  • Access from any PC / Desktop / Laptop / Mobile Devices using this User ID.

If you have an active IPIN (Internet Password), you can select a User ID through a convenient 30-second process. Click here to select your User ID.

If you do not have an active IPIN you can select both your User ID and IPIN here.

The convenience of User ID is that it allows you to access all your linked relationships through a single User ID. As a customer please do be aware that you can have only one User ID. So if you have a banking account, a Credit Card, a Personal Loan and a Home Loan you will be able to select a User ID for your banking account and with this single User ID access all your linked relationships too on Citibank Online. If you hold a Rupee Checking Account and/or a Dollar Checking Account and/or a Base, you will be able to select a User ID for any of the account by clicking on the "First Time User" link in the Home page / Login page and using this access all your linked relationships too on Citibank Online.

All Citibank customers will be able to access their account Online with a User ID only. This change applies to

  • All holders in Savings accounts
  • Credit Card customers including Add on Cardmembers
  • NRI (Non Resident Banking) account holders
  • Account Representatives of Current / Commercial accounts

Your User ID is intended to be a convenient ID for you to remember but at the same time, do ensure you select a strong User ID which

  • Can be minimum 6 to maximum 50 characters
  • Can be alphanumeric or pure alpha
  • Can include @ _.

There will be no change to your IPIN because of this change. If you have an active Internet Password (IPIN) you can select your User ID through a quick 30-second process here. Once you select your User ID, you can continue to use your IPIN with this User ID to login to CBOL / Citi Mobile.

If you have forgotten your IPIN, you can instantly self select one by clicking here. This is a convenient way of getting your Internet PIN instantly. Option to request for an IPIN through CitiPhone or Service channels are not available.

All Citibank customers will be able to access their account Online with a User ID only. However this User ID is your single Point of access on Citibank Online (CBOL) or Citi Mobile.

You can continue to use your 16 digit Card Number and the Internet Password (IPIN) to authenticate your Online purchase transactions during an interim transition period. During this period if you have chosen your User ID in Citibank Online, you can authenticate your purchase transactions with the IPIN of your User ID.

Post this period, you will definitely need to have a User ID to authenticate your transaction with your IPIN. However even if you have not chosen your User ID, the option to request for an OTP and use the OTP to authenticate your transaction will continue to be available.

This transition date will be communicated separately.

If you use only Citi Mobile to access your accounts, please ensure you select your User ID here with your active Internet Password (IPIN). After this one time process, you will be able to continue accessing Citi Mobile with ease.

For Citibank payment gateway users, you will be able to authenticate your Online purchase transactions without choosing a User ID until an interim transition period. Post this period, you will mandatorily be required to select your User ID, for using the IPIN for authenticating your purchase transactions. After you select your User ID, you will just be required to enter your IPIN to authenticate your transaction. However even if you have not chosen your User ID, the option to request for an OTP and use the OTP to authenticate your transaction will continue to be available.

This transition date will be communicated separately.

If you already have a nickname, this is specific to the PC / Laptop / Desktop you have selected and stored this in and helps you access Citibank Online (CBOL) with the nickname from that PC / Laptop / Desktop only. The User ID that you select now will automatically replace the nickname that you have been using to access your accounts Online. Please do note that the User ID is a convenient ID that allows you to access your accounts Online from any PC / Desktop / Laptop that you wish to.

Yes, if you wish to choose the same nickname as your User ID, you could do that. Since User ID is a unique ID, our systems will validate if the same is available for use (i.e. No other user has selected this name as their User ID already) before it allots this to you.

Yes, you can change your User ID if you wish to. Please do note that you may be able to change your User ID only 6 times from the first time the user id is created.

There is a very convenient option to retrieve your User ID. The system will just request for a few details from you to validate a few credentials and will allow you to retrieve your User ID. Retrieve your User ID.

We welcome you to the convenient world of digital banking with Citibank. To access your account Online and experience the host of transaction services that our digital platform has to offer you, you will require two credentials - a User ID and an Internet Password (IPIN). You can select both your User ID and your Internet Password (IPIN) here in a convenient process.

When you link your existing Citibank accounts Online, the User ID with which you have logged in Citibank Online will be retained. If there was a User ID associated with the other account being linked, that User ID will be deleted.

There are no changes to any other login features. If you have registered for enhanced security at login, you will continue to receive OTP for each of your login sessions which you will have to enter on Citibank Online for authentication when you access with your User ID.

All Citibank customers will be able to access their account Online with a User ID only. This applies to your NR (Non Resident Banking) accounts also. Once you select your User ID for your RCA or Investment base account, you will continue to be able to access all your linked accounts on Citibank Online as you have been till now. If you hold an Investment base with Citibank, please do note that a mandatory second factor authentication will be applicable for your Online access in line with regulatory guidelines.

The Citi Mobile application may initially read 'Card Number' even if you have created a User ID on Citibank Online, as the application may not have synchronised to give you the latest version.

As long as you have accessed Citi Mobile recently you should still be able to key in your User ID and IPIN to login and the field label will be updated subsequently. If you have not logged into Citi Mobile recently, you may need to enter the Card Number and IPIN once (even though you have a User ID) and on being logged out, the application will then enable you to type in the User ID and IPIN.

In any case, if you face difficulties or are not sure of what to do, you can always delete and re-download the Citi Mobile App.

No, the nickname you had created earlier for Citi Mobile will no longer be available. You will have to use your new User ID to login to Citi Mobile. For details on how to login to Citi Mobile using your User ID, please refer Q 20.

No, you cannot use your nickname to login to Citi Mobile. You will have to create a User ID on Citibank Online and then login to Citi Mobile.