Select a section from the list below to view answer to commonly asked questions.
to expand and on 
to minimise the details.Citi Tap and Pay Overview
What is Citi Tap and Pay?Launching now in Bengaluru, Citi Tap and Pay is a revolutionary concept that will transform your shopping experience. Brought to you in association with Nokia, MasterCard & Vodafone, Citi Tap and Pay allows you to make payments on your Credit Card for purchases at the top shopping outlets in Bengaluru by simply tapping your mobile phone at the checkout point!
How does Citi Tap and Pay work?Citi Tap and Pay works on a cutting-edge new technology called NFC: Near Field Communication.
NFC is a wireless communication technology that works on mobile phones. It allows data transfer between 2 NFC-enabled devices, and even allows financial transactions like payments.
Eligible customers of Citibank can set up their NFC-enabled mobile phone, download their Credit Card information on to the mobile phone and then tap the phone near a special NFC reader (attached to a retail Card payment terminal) to process a transaction, instead of swiping their Credit Cards.
to expand and on to minimise the details.Customer Eligibility
You must be a of a Citibank-issued MasterCard Credit Card in Bengaluru to be eligible to sign up for
Citi Tap and Pay, subject to conformance with Citibank's internally determined criteria for eligibility.
Additionally, you will need a Nokia 6212 handset with a Vodafone connection.
You must have registered your Vodafone mobile phone number with Citibank prior to availing the Citi Tap and Pay facility.
You need to have a Citibank MasterCard Credit Card, a Vodafone mobile connection and live in the city of Bengaluru to be eligible to participate in this program. The mobile number has to be registered with Citibank.
If you do not have a Citibank Credit Card, but still want to participate in the program, you may choose to apply for a Citibank Credit Card, and then apply for Citi Tap and Pay program if and when your Card application is processed. All existing Card application processes, documentation, KYC and credit policies to approve/decline a Credit Card application will continue to apply in this case.
You can get your mobile phone number updated with Citibank by logging on to Citibank Online at www.citibank.com/india or by calling in to 24-hour CitiPhone helpline.
Wait for 1 day for the mobile number change to get updated on our records.
to expand and on to minimise the details.Offer Details
You will be one of 3000 eligible Citibank customers to take part in an exciting programme, which is the first of its kind in the country. You will have to purchase a Nokia 6212 phone at a special price of Rs. 5,000 (against an MRP of Rs. 11,639) and use it at the specified retail stores to make payments for purchases on your Citibank Credit Card.
Through a special Cash Back offer, you will be eligible for a Cash Back of Rs. 2,500, on making 6 purchases before October 31, 2009#, and a Cash Back of Rs. 5,000, on making 12 purchases before October 31, 2009#.
# Click here to view the Terms and Conditons of the offer
Currently, Citi Tap and Pay works only on the Nokia 6212 mobile phone.
The Nokia 6212 has the latest technology features of most advanced mobile phone in the market, including:
- Bluetooth
- GPRS
- 2MP camera
- Supports browsing, E-mail & MMS
Apart from this, the phone comes enabled for NFC – it has been designed to support NFC Card transactions. NFC also allows you to tap your phone at special NFC posters to download offer coupons that you can redeem at select merchant outlets to avail discounts.
Citi Tap and Pay is a free service. However, you will have to buy the Nokia 6212 mobile phone to participate in the program, and will have to pay for individual transactions made on both your mobile phone and Credit Card as you do currently.
The Nokia 6212 mobile phone, available at select Nokia stores in Bengaluru, for a special discounted price of
Rs. 5,000 only (MRP of Rs. 10,000). This price is less than the market price for similar web-enabled,
multimedia-capable mobile phones in the market.
The Nokia 6212, however, is currently the only mobile phone model in India to support NFC.
Additionally, there is a special cash back offer for you – if you use your Citi Tap and Pay phone for 6 transactions before October 31, 2009, you will receive a cash back of Rs. 2,500 on your Card statement.
And if you use your Citi Tap and Pay phone for 12 transactions before October 31, 2009, you will receive a
cash back of Rs. 5,000 on your Card statement – this makes the phone practically free for you.
Citi Tap and Pay is a "first-come-first-serve" program model. The 1st 3000 eligible customers to express their interest in participating in Citi Tap and Pay will be allocated mobile phones for purchase.
The Citi Tap and Pay payment service is a limited period program, which Citibank expects to last for 6 months*. Post withdrawal of the service, the Citi Tap and Pay payment facility will no longer be available to customers holding the Citi Tap and Pay mobile phone. However, the Nokia 6212 will continue to remain functional in all other aspects. You will continue to own the Nokia 6212 mobile phone and use it for your other mobile phone requirements.
* Citibank reserves the right to withdraw this service at any time within, or after, 6 months of launch.
to expand and on to minimise the details.Getting Started
If you are eligible to participate and interested in being a part of this exciting program, you should
SMS TAP followed by the last 4-digits of your Credit Card to 52484. For example, if your Citibank MasterCard Credit Card number is 5678567856781234, then you should SMS the following text to 52484: TAP 1234
If you are eligible, your Card will then be enabled for Citi Tap and Pay. We will then send you a 2nd communication, informing you that your application for Citi Tap and Pay has been processed. You can then walk-in to a list of select Nokia stores to purchase the phone.
Once you receive a confirmation that your Card is enabled for Citi Tap and Pay, you can walk-in to any of the select Nokia stores to purchase the phone. You will have to carry your Citibank Credit Card and the invitation letter mailed to you to verify your identity. The personnel at the store will help you to complete your purchase and set up your 'Tap and Pay' application on your mobile phone.
The personnel at the Nokia store will guide you through this process. However, at no point they should attempt to key in confidential information like address, pincode/OTP during the setup process.
There are 2 stages to having the phone ready for Citi Tap and Pay:
- Wallet download and setup: You will have to tap your phone against a special poster at the Nokia store to download the wallet application. On tapping, the phone will display a URL that you have to click to download the application. During application setup, you will be asked for your mobile phone number, which you have to enter on the mobile phone itself. The wallet will also request you for a 4-digit PIN which you can set at the time of 1st login, and must enter each time you subsequently open the wallet.
- The wallet will get installed in the "Collections" folder.
- Card details download setup: After setting up the wallet application, you will have to download and setup your Citibank Credit Card on the phone. The wallet will have an option to download Credit Cards. When you select this option, during the course of the download, you will be asked 3 security questions that you will have to key in answers to, on the phone: your Date of Birth, your mailing address, pincode and an OTP (One Time Password).
- You can get your OTP by SMSing 'PASS' followed by last 4-digits of your Credit Card to 52484. For example, if your Citibank MasterCard Credit Card number is 5678567856781234, then you should SMS the following text to 52484: PASS 1234
- The Card download and setup will take approx. 5 mins. on a normal phone connection.
- Once the Card is downloaded, the "Credit Cards" tab within the wallet will show the Card.
The Nokia 6212 has the latest technology features of most advanced mobile phone in the market, including:
- Bluetooth
- GPRS
- 2MP camera
- Supports browsing, E-mail & MMS
Additionally, once the Tap and Pay facility is set up on the phone, it can be used to make payments at select merchants in Bengaluru participating in this program including Landmark, Nilgiri's, etc.
to expand and on to minimise the details.Transaction
You have to set up the wallet and Card information on the phone after the purchase. After doing so, you may open the wallet and make payments by tapping the phone at the checkout point at any of the participating retail stores.
Yes. A charge-slip will be generated as part of the transaction. You will have to sign the merchant copy. You may retain the customer copy.
Yes. Certain merchants may need to see your Credit Card to process the transaction. Also, it may be requested for as part of the verification process.
Apart from the offers mentioned above, participation in the Citi Tap and Pay program allows you:
- Convenience: This is much easier to use than a normal Credit Card transaction.
- Innovation: The chance to participate in a cutting-edge technology launch, the 1st in India and the largest such in the world.
- Security: Citi Tap and Pay scores over other forms of payment, in that the wallet is password protected, thus safe in the case of Card loss. Also, you do not have to hand over your phone and can do the tap yourself – thus your Card details remain known only to you.
to expand and on to minimise the details.Store Locator
Click here to view the list of Nokia outlets where you can buy the phone.
Click here to view the list of participating retail stores.
to expand and on to minimise the details.Customer Service
- Please get your mobile phone number registered with Citibank by calling the nearest 24-hour CitiPhone helpline.
- Wait for 1 day for the mobile number change to get updated on our records.
You can get your Nokia 6212 mobile phone serviced at select Nokia Care outlets. If your mobile phone is not working, you should walk-in to the Nokia Care outlets in Bengaluru. You should hand over your mobile phone for service only after calling CitiPhone to block your Card for Citi Tap and Pay transactions. When you receive your phone back, you should call CitiPhone at (080) 2229 4653 to unblock your Citi Tap and Pay Card.
You continue to retain your existing physical Credit Card. The Citi Tap and Pay Card is a virtual instance/copy of the same Card. Your Citi Tap and Pay Card will be valid only as long as your physical Card is active and in good credit standing.
If your physical Card expires or is blocked for any reason, the Citi Tap and Pay Card will also get blocked. Once the physical Card is renewed/reissued, you should call CitiPhone at (080) 2229 4653 to unblock your Citi Tap and Pay Card or reflag the Citi Tap and Pay Card for download depending on the circumstances.
Your credit limit stays the same. Your spends on both the Citi Tap and Pay Card and the physical Card will count against your existing credit limit.
to expand and on to minimise the details.Customer Security
Yes, not only does Citi Tap and Pay comply with the latest security standards, the wallet on the phone is secured by a 4-digit password, so that you can use it to make payments.
(NOTE: It is important that you do not disclose this password to anyone at any time)
The Card details on the phone are encrypted on to a secure element. The Tap and Pay wallet is additionally protected with a PIN.
The Card download is done only after asking you 3 security questions: your Date of Birth, your address, pincode and an OTP. This OTP is sent to you upon request. The request should only be from the mobile number you have registered with Citibank.
You should message in this format to 52484: PASS <last 4-digits of Credit Card No.>
Even if the phone is lost or stolen, the Citi Tap and Pay application is password protected, and therefore risk of fraud transactions is minimised. However, as an additional precaution, we recommend that you call CitiPhone at (080) 2229 4653 to get your Card blocked and a new physical Card issued. You can then re-download your new Citi Tap and Pay Card.
On executing a transaction, you will get an alert informing you of the transaction, the merchant and the amount. The alert will be sent to your registered mobile number.
Yes. For additional security, a Citi Tap and Pay transaction cannot exceed Rs. 10,000 in value.
Your Card number, PIN, Date of Birth and pincode are extremely confidential. While the personnel at the Nokia store may help you with the download process, they should not be allowed to actually type in the information.
to expand and on to minimise the details.Coupon
You can download special Citi Tap and Pay "virtual" coupons onto the phone. These coupons are electronic coupons that can be downloaded by tapping the phone against a special Citi Tap and Pay poster at the merchant outlet. These coupons can be used for redeeming special offers at specific outlets.
Citi Tap and Pay coupons are electronic coupons that can be downloaded by tapping the phone against a special Citi Tap and Pay poster at the merchant outlet/mall/other site. Once downloaded, the coupon will be visible in the "Coupons" section of the wallet.
You should login to your Citi Tap and Pay wallet at the checkout point. You should then show the merchant the coupon and once acknowledged, click redeem. This moves the coupon to the "Redeemed Coupons" section of the wallet.
Click here to view the Terms and Conditons of Tap and Pay
