Citibank World Money Prepaid Card

Load your Foreign exchange on India's first prepaid foreign currency denominated travel Card and shop at millions of Visa merchant outlets, withdraw cash from Visa ATMs or transact online. This forex prepaid Card offers you the convenience and acceptance of a debit/credit Card along with unmatched safety features to keep your forex protected while you enjoy your trip abroad.

As the exchange rates get locked on the date of loading the card with funds, you also safeguard yourself from any risks arising from exchange rate fluctuations.

You can choose to load the card with any of the currencies offered (US Dollars, Pounds Sterling, Euros, Australian Dollars, and Singapore Dollars ) and use the Card in any country where VISA network is present. With Citibank World Prepaid Card you can shop at any of the VISA Merchants Establishments. Besides this you can also withdraw cash from over 1.6 Million VISA ATMs (that display the VISA logo), 24-hour a day in over 200 countries.

Your Citibank World Money Prepaid Card is valid for three years and can be re-loaded with additional funds within hours making it convenient for those who wish to undertake multiple international trips.

The Card is available for Citibank bank account holders at select Citibank branches.

Your Citibank World Money Prepaid Card is a forex-prepaid card, which is just like your debit card in a foreign currency. You can use it at millions of VISA Merchant Establishments to settle your hotel bills, car rental bills and for all your shopping abroad. There are no charges for making purchases in the currency loaded on the card.

While making the payment at merchant outlets, remember to choose 'CREDIT' as your account option, if prompted for. in the EDC machine

Your Citibank World Money Prepaid Card can be used to withdraw cash at over 1.6 Million VISA ATMs around the world. What's more, the cash you withdraw is available to you in the local currency of the country you are in, thereby eliminating the need to look out for a Money Changer and assuring superior exchange rates.

Please Note: ATMs may have daily withdrawal limits and this will change from one bank to another. Certain banks levy additional charges for cash withdrawals at their ATMs. Always ensure that you select the 'credit' option when prompted for an account type at the ATM.

Your Citibank World Money Prepaid Card is reloadable and is valid for a period of three years. Within this period you can use this forex prepaid Card as many times as you like. On your next trip overseas, you can recharge your Card at any of the designated Citibank branch. Simply fill in the reload coupons given to you along with the necessary documents; your Card will be credited with the new amount within hours. Such load/reloads are subject to RBI regulations. (For latest on RBI regulation: www.rbi.org.in).

When you return home, you can either choose to retain the unspent forex in your Citibank World Money Prepaid Card for future trips or have this reimbursed in Indian Rupees. Please contact CitiPhone to encash the unspent balance in your Card. Conversion to Rupees is at Card rate prevailing at the time of encashment

Please Note: When you return from overseas you can retain your Card only if the balance remaining is below the amount stipulated by RBI. If you have a balance in excess of this threshold amount you will have to cash out the amount in excess of the said amount or the full balance amount within 180 days of your return. Please check with your Citibank branch for the latest regulation forex and the threshold amount, which can be maintained on the Citibank World Money Prepaid Card.

You can track your Citibank World Money Prepaid Card account from anywhere in the world; In addition to the monthly statements sent by E-mail, you can access your account through Citibank Online, our Internet Banking facility. Simply log on to www.citibank.co.in to do the following:

• Check available balance
• Check unbilled transactions
• Transactions after last statement date
• Past statements (by period)
• Request for a change in your contact details - Address, Contact numbers and e-mail ID

You will need an IPIN (internet access password) to access your account online. The IPIN would be shared along with the card welcome pack.

CitiAlert on Demand: Balances can be enquired through SMS from your mobile. All you need to do is SMS 'CARDBAL' followed by the last 4 digits of your Citibank World Money Prepaid Card to 52484 / +919880752484.

Please Note: Please update your contact information at Citibank Online (www.citibank.com/india) / CitiPhone to ensure your mobile phone number is updated accurately.

Traveler's Cheque	Citibank World Money Prepaid Card
Traveler’s cheques are accepted only at select locations	Citibank World Money Prepaid Card is accepted at millions of merchant establishments around the world
The entire amount on cheques is encashed each time you shop	You don't have to carry any loose change, since you shop for the exact amount on your prepaid card
Traveler’s cheques can be encashed at Money Changers and select locations	The cardgives you 24-hour access to cash at over 1.6 million Visa ATMs around the world
Cumbersome replacement process, if lost	Prepaid card replacement within 96 hours
Signature-based security on traveler’s cheques	Enhanced security on Card through 4-digit ATM PIN to authorise all ATM transactions
Set value on each traveler’s cheque	Unlimited transactions possible subject to sufficient balance maintained in the card and merchants/ATM not fixing a floor on transaction size
Balance encashment only at money changers & select merchant establishments	Balance on the card delivered to your doorstep upon placing a request for a refund draft
No statement of account available for expenses incurred via traveler’s cheques	Detailed statement to track your expenses and card usage

How to get my Citibank World Money Card?

If you are a Citibank bank account holder, you can purchase Citibank World Money Prepaid Card (CWM Card) any time before you travel, over-the-counter, from select Citibank branches. You can choose from a range of major foreign currencies- US Dollars, Euro, Pound Sterling, Singapore Dollars & Australian Dollars- depending upon your travel destination. The Card can be taken for a minimum amount of USD/GBP/EUR/AUD/SGD 250. Locate CWM Card branch.

Each individual will be entitled to purchase one Card, which can be loaded/reloaded only up to the foreign currency threshold as defined by RBI under Foreign Exchange Management Act, based on the nature of travel.

The Card account will be issued in the name of the Card member and may be used only by him/her for cash withdrawals/purchases. Only the latest CWM Card purchased by you will be active at any given point of time.

Please Note: Your Card will be activated within 24-hours from purchase.

Can the Card be used at ATMs?

You can use your Citibank World Money Card at ATMs that display the VISA logo 24-hour a day. But remember:

• ATMs may have daily withdrawal limits and these limits will vary from one bank to another
• Certain banks levy additional charges for cash withdrawals at their ATMs
• Always ensure 'Credit' option is selected in the ATM when prompted for account type
• You can also locate your nearest ATM by logging on to VISA ATM locator at http://visa.via.infonow.net/locator/global/
• Citibank World Money Card cannot be used for withdrawing cash in India, Nepal and Bhutan

How to access your account ONLINE?

To access your account online log on to www.citibank.co.in, you will need an IPIN to access your account online. You can generate your IPIN, if you don't have one, by logging on to https://www.citibank.co.in/ssjsps/ssindex.do

What are the limits on Citibank World Money Prepaid Card?

The Card can be purchased for a minimum of USD/GBP/EUR/AUD/SGD 250 and can be loaded/reloaded only up to the foreign currency threshold as defined by RBI under Foreign Exchange Management Act, based on the nature of travel.

Lost Your Card?

Should you ever misplace your Citibank World Money Prepaid Card, simply call our 24 hours international toll free helplines to report the loss. A replacement Card will be sent to you within 96 hours. If you are travelling, you can request for the replacement Card to be sent to your current location. Replacement Cards will be sent only to those international locations that are serviced by our regular couriers.

Customer Service Number List:

Toll Free Number for USA: 011-800-506-9598
Toll Free Number for the following countries: (Access Code)-800-4663-2484
For list of access codes, please click here.

AUSTRALIA	LUXEMBOURG
AUSTRIA	MALAYSIA
BELGIUM	NETHERLANDS
CANADA	NEW ZEALAND
COLOMBIA	NORWAY
CYPRUS	PHILIPPINES
DENMARK	PORTUGAL
FINLAND	SINGAPORE
FRANCE	SOUTH KOREA
GERMANY	SPAIN
HONGKONG	SWEDEN
HUNGARY	SWITZERLAND
IRELAND	TAIWAN
ISRAEL	THAILAND
ITALY	UNITED KINGDOM
JAPAN

From everywhere else: 022-2823-2484

Can the Citibank World Money Prepaid Cards be used for online transactions/non swipe transactions?

Apart from carrying out purchases at merchant outlets and withdrawing cash, you would additionally be able to use this travel card for online purchases and for other non-swipe purchases.

Examples of non-swipe purchases also include booking hotels / cars on the phone - you would typically be required to share your card number and card expiry.

Have all cards been enabled to carry out Internet and other non-swipe transactions?

All cards irrespective of the date of issuance would be able to carry out Internet purchases and other non-swipe purchases. You are not required to sign-up separately for this.

What are the security aspects of transacting on the net?

Citibank World Money Prepaid Card are enabled on Verified by VISA (VBV). This ensures that you are directed to a Citibank page which enables you to enter either your Internet Password (IPIN) or your One-time Password (OTP), just like any other Credit Card transaction, as shown below.

Your transaction would be processed once the IPIN or OTP is entered.

In India, it is mandatory for all transactions to be verified as above. However, internationally, this may not be the case. Typically international online merchants may ask you for your card number, expiry and CVV2 (present at the back of your card) to process the transaction.

What is Internet Password (IPIN)?

Internet password is shared with you in the welcome pack at the time of card issuance. The internet password can be used to log on to Citibank Online for keeping track of balance / other details of your card and for transacting on the net using your card.

Can One-Time Password (OTP) be generated from an international number?

OTP (One-time password) can be generated only on mobile by sending OTP <space> last four digits of the Card to 52484 or +919880752484 for transacting online. If your mobile operator is not enabled on 52484, then you can make the request via long code +919880752484, irrespective of your mobile number being domestic or international. In the US and Canada, the short code 52484 is enabled on the below mentioned operators.

AT&T Wireless	Cablevision USA	Immix	Rogers	US Cellular
Alaska DigiTel	Cell 1 East Cent IL	Inland	SaskTel Mobility	Union Wireless USA
Aliant	Cellcom	MTS Mobility	Simmerty US	Verizon Wireless
Alltel	Centennial PR	Nex Tech Wireless	Sprint PCS	Virgin Mobile USA
Appalachian Wireless	Cincinnati Bell	Nextel	T-mobile	West Central WCC
Bell	Cingular	NorthernTel	Telebec	nTelos
Bluegrass	Dobson	Pioneer Wireless US	Telus
Boost	Fido	Pocket Com USA	Tier 3 US Carrier GL
Boost iDEN	Illinois Valley	RCC	Tracphone

Please do keep in mind that incase you change your mobile number, you would need to update the same on Citibank Online to get alerts, OTP or Online Authorisation Code (OAC). For the sake of securing your card from misuse, we would not be sending OTP or OAC to your new number for 10 days post updation. You will, however, continue to get alerts on the new number from the day you update the number.

How would Citibank keep the customer updated on the transactions on his card?

Citibank would be sending mobile (including international mobile numbers) and E-mail alerts for all transactions on the number / E-mail ID registered with us.

Can Citibank World Money Prepaid Card be used for Pre Authorisation transactions for both Hotel Stay and Car rental?

Yes, pre authorisation transactions block funds on your card till such time the bill is settled.

What is the process for getting the Pre Authorisation amount released / reversed if the payment has been made through some other mode?

Please contact CitiPhone or login to www.citibank.co.in using your IPIN to request for release/reversal of amount. You will be required to share the Authorisation cancellation letter on the hotel's or the hotel's settlement bank's letterhead via E-mail to us. The hotel should also confirm that the bill was paid via some other mode and that the authorisation does not need to be held any further. You are requested to also attach a copy of the bill stating the check-in & check-out date and the mode of payment. You can also fax the letter to 91-44-28502833.

Are there any precautions to be taken for using the card for online purchases or pre authorisation transactions?

The three-digit CVV2 present at the back of the card should not be shared. You must call CitiPhone if there are any unauthorised transactions on your card. However at no point in time should the CVV2 number be voiced out.

Can the Card be used for transacting in India?

Citibank World Money Card cannot be used at merchant establishments located in India.

What is a chip prepaid card? What are the benefits?

A chip prepaid card is a card with a microchip embedded in it. When used at stores or restaurants with chip-enabled terminals and at ATMs, the system validates the chip, helping to ensure a more secure transaction. The addition of a Personal Identification Number (PIN) provides an extra layer of security above and beyond the chip as the PIN is known only to you.

How will making a purchase with my Citibank World Money chip prepaid card work?

You would have to follow the following three simple steps to make a transaction:

Rather than swiping your card, insert it into the terminal and leave it there for the entire transaction.

Removing the card will terminate the transaction.

Follow the prompts on the screen and enter your PIN in case the machine prompts for the same.

a. When the transaction is complete, remove your card when prompted and wait for the receipt.
b. Post the receipt is printed you will need to sign the same
c. If the store or restaurant does not have a chip-enabled terminal, your card will be swiped and not inserted.

The PIN to be used for transacting at merchant outlets is the same as your ATM PIN.

Are there any other changes I will notice with my Citibank World Money chip prepaid card?

At restaurants, Petrol pumps or any locations where the upgraded chip-enabled terminals are placed away from where you are sitting/ waiting, you will need to do one of the following to complete:

A portable device may be brought to the table for you to insert the card and enter your PIN, or

you could be asked to walk over to a free-standing terminal in a central location to insert the card and enter your PIN.

How do Citibank World Money chip prepaid cards work for transactions made online or over the telephone?

Transactions made online or over the telephone with your Citibank World Money chip card would continue to be conducted the same way as with your current card. This may include using the three-digit verification code on the back of the card or by using a Verified by Visa or MasterCard SecureCode password. You should never disclose your PIN to anyone, even if it's requested to complete a transaction.

Where do I get a PIN for my Citibank World Money chip prepaid card?

The PIN used for these transactions will be your existing World Money Card ATM PIN The ATM PIN is a part of your World Money Welcome Pack. Every time your card is reissued, the ATM PIN will also be reissued and sent to you separately. If you experience difficulties using your card, if you do not know your PIN or if you are unsure of your PIN, please call our 24 hour helpline Citiphone and request for issuance of a new PIN or login to your Citibank Online account and place a request for APIN.

How can I change my PIN or have it reset because I've forgotten it?

If you've forgotten your PIN, please call our 24 hour helpline CitiPhone and request for a fresh PIN or login to your Citibank Online account and place a request for your PIN. We will send the same to your registered address/ temporary international address.

I wasn’t aware that a PIN is required. Why is a PIN required? What exactly is my PIN?

The PIN that comes with a chip based card adds a second level of authentication to transactions thus making the chip card more secure than cards with magnetic stripe the security chip makes it difficult to fraudulently copy the card details thus making the card less susceptible to misuse. It is an RBI recommendation to start issuing Chip + PIN card for all customers.

In case the details of PIN have been misplaced it can be re-issued by calling CitiPhone or login to your Citibank Online account and place a request for your PIN.

I feel inconvenient entering my PIN on an uncovered POS machine.

The Chip + PIN functionality makes the transaction more secure due to an extra authentication factor. If you are uncomfortable with entering the PIN on an uncovered EDC, we would advise you to hide the Pin pad of the POS (point of sale) machine with your hand or an opaque object and then enter the PIN.

I had a World Money card on which I got my ATM PIN re-issued. Now my card is being reissued as an EMV card, what would be my PIN?

When your card is reissued as an EMV card, your ATM PIN will also be reissued and sent to you separately

• Citibank World Money Prepaid Card cannot be used for withdrawing cash in India, Nepal and Bhutan
• Citibank World Money Prepaid Cards are valid for 3 years and can be used for multiple trips
• Your Card can be reloaded any number of times and can be loaded/reloaded only up to the foreign currency threshold as defined by the RBI under Foreign Exchange Management Act, based on the nature of travel
• When you return from overseas you can retain your Card only if the balance remaining is below the amount stipulated by the RBI. If you have a balance in excess of this threshold amount you will have to cash out the amount in excess of the said amount or the full balance amount within 180 days of your return. Please check with your Citibank branch for the latest regulation on this and the threshold amount, which can be maintained on forex prepaid cards.
• When your Citibank World Money Prepaid Card is swiped on a swiping machine (Electronic Data Capture Machine) please ensure "Credit" option is selected under the Card type. The Card may be declined if 'SAVINGS' is selected
• Citibank World Money Prepaid Cards are accepted at VISA ATMs (ATMs that display VISA Logo). While withdrawing cash at ATMs please select, "CHECKING ACCOUNT" as your account type. In cases where this option is not available, please select "CREDIT ACCOUNT"
• Usage of this Card is subject to the regulations stipulated by the Reserve Bank of India and the Foreign Exchange Management Act, 1999. (For latest on RBI regulation: www.rbi.org.in)