FREQUENTLY ASKED QUESTIONS (FAQs)

Frequently Asked Questions (FAQs)

ASK ME

ASK ME

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

Click on    to expand and on    to minimize the details.

A credit card is a standalone lending instrument used to provide recurring credit to an individual based on his/her financial credentials. A credit card enables you to purchase instantly and pay later.

Every credit card account is assigned with a credit limit and the card can be utilized to the extent of the approved credit limit. A portion of the credit limit can also be used to withdraw cash. This is 'cash limit'. The assigned credit limit is inclusive of the cash limit. Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

The following are some of the benefits in using a credit card

  • Enables convenience, easy mobility and cash-less transaction
  • Enables online transactions
  • Establishes credit worthiness
  • Provides interest free credit period.
  • Option to avail revolving payment facility.

Citibank offers both 'International' credit card and 'Domestic only' credit cards to meet your spend requirements.

'International' credit cards can be used in India and abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan. 'International' credit cards are available across our product range.

'Domestic only' card restricts usage to merchant and online websites registered only in India. For availing 'Domestic only' credit card, choose 'Citibank Rewards Domestic Card'.

We recommend that you register your card for international usage in select geographies one week prior to your travel. This would ensure that the possibility of any financial misuse on your card due to international usage is minimized.

To register your card for international usage, you can call our 24-Hour CitiPhone Banking helpline.

Citibank offers a range of credit card products depending on your requirement.

Please click here to know more about the credit card products offered by Citibank.

A joining fee is payable on successful processing of the card application, for certain card types. An annual fee for renewal of card membership is payable by the card member on or before the credit card account relationship anniversary.

The joining fee and annual fee, as applicable, will be directly billed to the credit card account and the same will reflect in the statement of the concerned month in which it is charged. We will communicate the joining fee and annual fee applicable for both primary and additional card at the time of sourcing.

For further enquiry regarding card fees, you can also:

Visit Citibank Online select the card type you wish to view details for

(OR)

Click here to compare features of various cards.

Citibank credit cards will be initially valid for a period of 3 years or for such period as decided by the bank. The existing card will be renewed automatically a month prior to the actual expiry of the existing Card. The same is applicable for renewal of add-on cards.

For example, if your card is due to expire on April 30, 2015 the renewed card will be dispatched around the second week of April. If the old card is valid through 04/15, then the renewal card will be valid from 05/15.

On expiry, the existing card plastic will not be valid for usage. The renewed card will have the same card number; however, the CVV will differ. For security purpose, you should destroy the expired card plastic.

To know the current offers available on Citibank credit card, Click here

Citibank offers various options to convert your existing card to meet your current needs.

You can visit the link to learn about the various credit cards provided by Citibank.

Once you have decided on the card you wish to convert to, kindly contact our 24x7 CitiPhone banking services. Please note, swapping of cards is subject to applicable terms and conditions.

Once the swap request is processed, the existing card will be blocked and a new card will be sent to your registered mailing address. The new card will have a different card number and CVV. For all financial and accounting purposes, both the cards are treated the same. You can use the existing Internet Banking Password (IPIN) for the new card as well.

Please note that the old card will be active for a period of 60 days for swipe / Electronic Data Capture transactions. This is to ensure that you are not adversely impacted in case of any delay in receipt of the new card. On receipt of the new card, we request you to destroy the old card.

The reward points accumulated on the existing card will be transferred to the new card in the ratio applicable and will be subject terms and conditions.

Any Standing Instruction / ECS maintained with us will be automatically transferred to your new card. However, any standing instruction that you may have maintained with other merchants / utility providers to debit the card would not get transferred. Please contact the merchant directly to update the details.

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. An EMV Chip & PIN Card mandates the use of a Personal Identification Number (PIN) to authorize purchase transactions.

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.

You can download the photo coupon from Citibank online and fill it up and send it across to our Chennai mailroom address mentioned on the photo coupon, to have a photo card issued to you. A new photocard will be sent to your registered mailing address within 6 working days on receiving a duly filled photo coupon.

Click here to download the photo coupon.

You can link your credit cards to a bank account by logging on to Citibank Online.

On the left panel click on 'Other Banking Services' and select 'Link my accounts'. Following the instructions given there.

You can alternatively contact our 24x7 CitiPhone banking services

You can apply for a Citibank Credit Card by:

  • Visiting Citibank Online. Click here to apply for the card

OR

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 the credit cards we offer.

Please note that, we currently do not have a credit card product for Non Resident Indians.

The following are the documents required for processing a credit card application

  • One color photograph (passport size).
  • Address proof (click here to know the list of valid address proof documents).

  • Photo ID proof (click here to know the list of valid Photo ID proof documents).

  • Sign on a consent form (click here to see how it will look like).

Once the application is lodged, an executive representing Citibank will contact you in 2-3 working days, to collect the required documents. The duly filled application processing will take 7 working days. On approval, the credit card along with the welcome kit will be dispatched to your mailing address.

Citibank offers both 'International' credit card and 'Domestic only' credit card to meet your spend requirements.

'International' credit cards can be used in India and abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan. 'International' credit cards are available across our product range.

'Domestic only' card restricts usage to merchant and online websites registered only in India. For availing 'Domestic only' credit card, choose 'Citibank Rewards Domestic Card'.

To apply for a Citibank Credit Card online, please click here

Once the application is lodged, an executive representing Citibank will contact you in 2-3 working days to collect the documents. The duly filled application processing will take 7 working days. On approval, the credit card along with the welcome pack will be dispatched to your mailing address.

Please 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. The 11 digit application reference number would have been sent as a text message (SMS) to the mobile number mentioned in the application form. Kindly mention the same reference number and mobile number to check the status of the application.

Please note that it may take up to 24 hours from the time of notification through SMS for your application status to be updated.

A Credit Information Company (CIC) is an independent organization licensed by the Reserve Bank of India (RBI) that signs up banks, NBFCs and financial institutions as its members. It then aggregates data and identity information of individual consumers and businesses from its members.

All banks and financial institutions are required to share information like current balance, payment history, demographic details etc, pertaining to all accounts held by a customer who has a loan, credit card or ready credit account with the Credit Information Companies. Credit reporting is very important in today's financial system and is considered a primary factor while evaluating the credit worthiness of customers and monitoring the credit circumstances of consumers and businesses. This information enables lenders to function more efficiently and at a lower cost than is otherwise possible.

Citibank may tie up with credit bureaus authorized by the RBI and will share credit information including but not limited to your current balance, payment history etc along with your demographic details with these credit bureaus on a monthly basis, as per the Credit Information Companies (Regulation) Act, 2005.

The credit history & repayment behavior of a customer is translated into a number developed by CIBIL, called 'credit score'. Credit score is one of the parameters used to review a credit card application. Credit information companies only provide factual credit information and do not provide any opinion, indication or comment pertaining to whether credit should or should not be granted. It is in your best interest to maintain a good credit history by paying the necessary dues in a timely manner. With credit information companies in place, responsible customers can expect faster and more competitive services at better terms from the credit grantors.

Default by customers would be available with the credit information companies, which in turn could impact your credit worthiness for future requirements.

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.To know more, visit http://www.cibil.com/help-center, http://www.cibil.com/faq-brochure.

Add-on card is a supplementary card issued to the selected relatives of primary card holders.

To apply for an add-on card, please click here

(or)

call our 24x7 CitiPhone banking services

You can take an additional Card for your

  • Spouse
  • Children (Above 18 years of age)

  • Siblings

  • Parents

  • Parents-in-law

  • Brother / Sister-in-law

  • Son / Daughter-in-law

Documents Required:

  • A duly filled additional card application form. Click here to download the form
  • A self-attested identity and date-of-birth proof of the additional card applicant

  • A passport size photo of the additional card applicant

Once the application is lodged, an executive representing Citibank will contact you in 2-3 working days to collect the documents. The duly filled application processing will take 4 working days. On approval, the credit card along with the welcome kit will be dispatched to your mailing address.

Citibank provides various offers for customers applying for a credit card. However, these offers may differ depending on the mode of application. The details of the offers will be communicated at the time of application.

Existing credit card or savings account holders of Citibank can refer their friends and family to apply for a new Citibank credit card through this program. If the referred person is issued a credit card by Citibank, the corresponding referrer would receive Rs. 2000 as the referral reward. The referred person (known as 'referee') need not be an existing Citibank customer.

To refer your friends / relatives for a Citibank credit card, please click here

If you are eligible for a pre-approved credit limit enhancement, an offer reflecting the same will be posted in your Citibank Inbox. You can log in to your account with your user ID and password to access the same.

Even otherwise, to apply for a credit limit enhancement, please send a copy of any one of the documents mentioned below with a covering letter mentioning your Citibank Credit card number. Your request for enhancement will be reviewed on receipt of these documents

  • Latest Individual Income Tax Return along with the computation of income (or)

  • Latest 2 months' pay slip or Salary Certificate Or Form 16 (duly attested and sealed by authorized signatory with the name and designation of the same mentioned)

You can mail the documents to Citibank Mail Room, No 2 Club House Road, Chennai 600002

The credit limit of your card account can be reduced to the minimum credit limit applicable for the card. However, credit limit enhancement in future will be subject to eligibility at the time of credit enhancement request.

To decrease the credit limit of your credit card, kindly contact our 24x7 CitiPhone banking services. You can also write to us though the 'Your Queries' option in Citibank online by logging into your account.

The eligibility for credit limit enhancement is dependent on various credit parameters and card performance. For limit enhancement on your credit card, you can send us the required documents with a covering letter mentioning your Citibank Credit card number. Your request for enhancement will be reviewed on receipt of the documents.

To apply for a credit limit enhancement, please send a copy of any one of the documents mentioned below with a covering letter mentioning your Citibank Credit card number. Your request for enhancement will be reviewed on receipt of these documents.

  • Latest Individual Income Tax Return along with the computation of income (or)

  • Latest 2 months' pay slip or Salary Certificate Or Form 16 (duly attested and sealed by authorized signatory with the name and designation of the same mentioned)

You can mail the documents to Citibank Mail Room, No 2 Club House Road, Chennai 600002.

'Credit Limit Increase' offer refers to a pre-qualified offer for increase in credit limit for your credit card. There are no documents required for such an offer and you can share your consent to process the same via any of the following channels:

  • Send a blank email from your registered email ID to cards.service@citi.com with the subject line "I accept increase in credit limit" OR

  • SMS YES CLI to 52484 or +91-9880752484 from your registered mobile number OR

  • Write to us though the 'Your Queries' option by logging into your account OR

  • Call our 24x7 Citiphone banking service

If you have two active primary Citibank credit cards and you wish to close one card, you have the option to transfer the credit limit on the closed card to the active card. This amounts to line consolidation.

The reward points accumulated on the closed card will be transferred to the active card in the ratio applicable and will be subject terms and conditions. However, the outstanding balance on the closed card will not be transferred to the active card. Hence, payment will have to be made to the closed card as per the latest statement.

A portion of the credit limit assigned to your card account can be used to withdraw cash. This is 'cash limit'. The assigned credit limit is inclusive of the cash limit.

Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

The billed outstanding balance is an aggregate of unpaid charges billed to your card account during a particular month. It includes purchase, purchase returns, payments, insurance premiums, EMIs, fees interest and charges. The outstanding amount for a particular month along with the payment due date is communicated to you through monthly statements and CitiAlerts. Your credit card statement will be generated on a specific day every month.

To know the Credit Card Outstanding and your Available Credit Limit:

  • Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Balance' is mentioned in the summary of the card. (OR)

  • You can SMS, 'CARDBAL XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline. To know the unbilled outstanding, you can log into your Citibank online.

Please note:

  • Statements will not be generated for the month in which there are no transactions.

  • When there is an excess balance in your credit card account, the account will show a negative balance. The excess balance will be adjusted against future purchases incurred on your credit card.

The payment due date for a particular month is communicated through the monthly statements and CitiAlerts. We ensure that you get a minimum period of 17 days to a maximum of 23 days, depending on nature of your payments, from the date of statement generation to effect payment to your credit card account.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

  • Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

  • You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline.

The 'Minimum Amount Due' is the minimum amount you are required to pay, on or before the payment due date, to maintain your card account in good standing. By calculating a minimum amount, the bank ensures that you are able to repay a portion of the principal outstanding every month. The 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.

The minimum amount due for a particular month is communicated to you through monthly statements and CitiAlerts.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

  • Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

  • You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline.

The Total Amount Due is total of all the transactions made on the card in the current billing period in addition to the previous carried forward balance on the card. The total amount due for a particular month is communicated to you through monthly statements and CitiAlerts.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

  • Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

  • You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline.

Available balance is the amount of credit available to use for purchases. Your available balance is usually your credit limit minus your outstanding balance, but it could be lower if your approved transactions are pending to be billed to the card account or if you have authorized a merchant to block an amount as pre-authorization for a transaction.

To know the Credit Card Outstanding and your Available Credit Limit:

  • Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Balance' is mentioned in the summary of the card. (OR)

  • You can SMS, 'CARDBAL XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline. To know the unbilled outstanding, you can log into your Citibank online.

In an event your payments or purchase reversals exceed the outstanding balance, your card account would result into a credit balance.

This balance can be identified through your monthly statements or through your Citibank online account. The credit balance will get adjusted against your future purchases or charges.

To claim a refund of the excess balance, please contact our 24-Hour CitiPhone Banking helpline.

Your card will be active till the last day of the month of expiry. The existing card will be renewed automatically and dispatched 2 weeks prior to the actual expiry of the card. This is applicable for renewal of add-on cards as well.

For example, if your card is due to expire in April 2017, the same will be active till April 30, 2017 and the renewed card will be dispatched around the second week of April. If the old card is valid through 04/17, then the renewal card will be valid from 05/17. On expiry, the existing card plastic will not be valid for usage.

The renewed card will have the same card number, however the CVV will differ. For security purpose, you should destroy the expired card plastic

The renewal of a credit card is subject to terms and conditions.

The following are some of the circumstances in which your card may not be renewed:

  • Dishonored cheque payment

  • Delinquent (non-payment of card dues)

  • Contact details not updated / incorrect due to which you are not contactable by the bank.

You may require your existing card to be reissued in the following circumstances:

  • Card damaged

  • Card lost / stolen

To get a new card as a replacement for an existing damaged card, you can contact our 24-Hour CitiPhone Banking helpline.To get a new card in place of lost/stolen card you can:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN.

STEP 2: Click on "Credit card" tab on the left side of screen.

STEP 3: Click on "Other Services and Queries" on the left hand side.

STEP 4: Click on "Report lost/stolen card".

The screen that opens up will guide you through the procedure to be followed. Alternatively, to report your card lost or stolen you can contact our 24-Hour CitiPhone Banking helpline.

To get a new card in place of lost/stolen card you can:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN.

STEP 2: Click on "Credit card" tab on the left side of screen.

STEP 3: Click on "Other Services and Queries" on the left hand side.

STEP 4: Click on "Report lost/stolen card".

The screen that opens up will guide you through the procedure to be followed.

Please note that, when a lost card is blocked, your access to view your credit card account online will also be blocked, until a new card is re-issued. Alternatively, you can contact our 24-Hour CitiPhone Banking helpline.

A new card may be issued to you in the following circumstances:

  • Renewal of an existing card (OR)

  • Converting an existing magnetic stripe card to an EMV card (Chip & PIN card) (OR)

  • When a credit card product is withdrawn and replaced with a different card product.

Please note that, prior to issuance of a new card, a letter communicating the same will be sent to your registered mailing address (except for renewal cards). Please contact our 24-Hour CitiPhone Banking helpline, to know the reason for issuance of a new credit card not requested by you.

To get a new card as a replacement for an existing damaged card, you can contact our 24-Hour CitiPhone Banking helpline. The existing card will be blocked and a new card will be sent to your registered mailing address.

The new card will have a different card number and CVV. For all financial and accounting purposes, both the cards are treated the same. You can use the existing Internet Banking Password (IPIN) for the new card as well. Any Standing Instruction / ECS maintained on the card account will be automatically transferred to your new card.

Please note that the old card will be active for a period of 60 days for swipe / EDC transactions. This is to ensure that you are not adversely impacted in case of any delay in receipt of the new card. On receipt of the new card, we request you to destroy the old card.

On re-issuance, the new card will be dispatched to the registered mailing address within 4-7 working days of receiving your request.

Please note that, on re-issuance, the card cannot be held with us for dispatch at a later date. If you wish to receive the new card at a later date, please raise request for re-issuance at a time convenient for you to receive the card.

With an objective to keep you informed real-time on dispatch of your credit card, the Airway Bill number (courier reference) is sent to your registered mobile number immediately on dispatch of the card.

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

Alternatively you can contact our 24x7 CitiPhone Banking Services to check the status of card dispatch and the dispatch details.

To receive your card at a new mailing address, you can visit Citibank Online, login to your account using your User ID and Internet Password (IPIN) and change your mailing or non-mailing address. Please contact our 24-Hour CitiPhone Banking helpline to check the address to which the card is dispatched and if needed place a request to re-direct the card to the new address.

The credit card will be delivered only at the registered mailing address and only to the card holder. However, if the card holder is not available at the time of delivery, the card can be delivered to a family member (parents/spouse/children/sibling), subject to verification of identity proof. Citibank credit cards will not be delivered to a third party. However, on request from the card holder, the card can be delivered to the third party only on furnishing a letter of authorization from the card holder along with an identity proof of the third party.

Personal Identification Number (PIN) is an encrypted code, which is issued to customers to help identify themselves over various access channels. The different types of PINs issued and the access channels are as follows:

  • APIN (ATM Personal Identification number) - It enables to perform various functionalities at the ATM and validate 'Point of Sale' (POS) transactions.

  • IPIN (Internet Personal Identification number) - It enables to access your card account and transact online (CBOL). IPIN is also used to validate online transactions

  • TPIN (Telephone Personal Identification number) - It provides access to transact through our 24-Hour Citibank Online

You can select your ATM PIN instantly through the Interactive Voice Response (IVR) system. Kindly dial our ATM self-select helpline at 1860 266 2484 and follow the steps provided below:

STEP 1: Key in your Credit card number

STEP 2: Input your TPIN (telephone password) or your Date of Birth in DDMMYYYY format

STEP 3:You will receive an OTP(one time password valid for fifteen minutes) on your registered mobile number to validate the transaction

You can proceed to self-select your APIN through the Interactive Voice Response once the OTP is received. (If there is a delay in receiving the OTP, you can dial in again once the OTP is received.)

Alternatively, you can request an ATM PIN online in 4 easy steps:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN

STEP 2: Click on Credit card tab on the left side of screen

STEP 3: Click on "PIN related" on the left hand side

STEP 4: Click on "ATM PIN"

The screen that opens up will guide you through the procedure to be followed.

The above options to select APIN are also applicable for add-on cards. When your credit card is reissued, you can continue using the existing APIN for the new card.

You may change your existing ATM PIN at any of the Citibank ATMs. You would be required to validate the same by entering your credit card number and the existing ATM PIN to change your ATM PIN.

You can select your new Internet login User ID and IPIN (password) online. As a first time user, please click here to select your User ID and IPIN instantly.

If you have an existing IPIN and forgotten the same or if your IPIN has been disabled, please click here to reset the same.

If you remember your IPIN (internet password) and want to change it, please follow the steps below:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN

STEP 2: Click on "Credit card" tab on the left side of screen

STEP 3: Click on "PIN related" on the left hand side

STEP 4: Click on "Internet PIN"

The user-friendly screen that opens up will guide you through the procedure to be followed.

In case of any difficulty in selecting a new IPIN, please contact 24-Hour CitiPhone Banking helpline.

When your credit card is reissued, you can continue using the existing IPIN to login to your account. The new card details will reflect automatically.

Once you login to Citibank Online, you will be able to view details pertaining to your Citibank savings / current account, credit cards, personal loan / home loan accounts and other Citibank products (if any) if the same are linked under one customer number.

You may request a TPIN by:

  • Calling on 24-Hour CitiPhone Banking helpline. The TPIN is issued to you instantly. The CitiPhone officer will take verifications and issue an instant TPIN.

  • By logging on to www.citibank.com/India with your User ID and Password.

  • By transacting on any Citibank ATM with a KIOSK. You can login at the Kiosk with your User ID and Password

You may change the TPIN on the Interactive Voice Response (IVR) System. The request may be placed by entering your card number, existing TPIN and a new TPIN (4 Digits) of your choice.

In case of any difficulty, you can contact 24-Hour CitiPhone Banking helpline. When your credit card is reissued, you can continue using the existing TPIN.

Please note that, the TPIN will vary for various Citibank products availed by you.

ATM PIN

APIN (ATM Personal Identification number) - It enables to perform various functionalities at the ATM and validate 'Point of Sale (POS) transactions.

Internet PIN

IPIN (Internet Personal Identification number) - It enables to access your card account and transact online (CBOL). IPIN is also used to validate online transactions

Telephone PIN

TPIN (Telephone Personal Identification number) - It provides access to transact through our 24-Hour CitiPhone Banking helpline.

You can select your APIN instantly through the Interactive Voice Response (IVR) system. Alternatively, you can place an online request for a new ATM PIN to be issued to you or by contacting our 24-Hour CitiPhone Banking helpline.

On receiving your request,the ATM PIN will be dispatched within 48 hours of receiving your request and will be delivered at the registered mailing address within 4-7 working days of dispatch. The Airway Bill number (courier reference) is sent to your registered mobile number immediately on dispatch of the PIN pertaining to your credit card. You can track the status of the shipment using the Airway Bill number by visiting the courier websites.

Please contact our 24-Hour CitiPhone Banking helpline if you have not received the consignment within 4-7 working days.

To receive the PIN at a new mailing address, you can visit Citibank Online, login to your account using your User ID and Internet Password (IPIN) and change your mailing and non-mailing address. Please contact our 24-Hour CitiPhone Banking helpline. to check the address to which the PIN is dispatched and if needed place a request to re-dispatch the PIN to the new address.

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. An EMV Chip & PIN Card mandates the use of a Personal Identification Number (PIN) to authorize purchase transactions.

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.

To replace your existing Magnetic Stripe Credit Card into an EMV Chip & PIN card, you can call our 24-Hour CitiPhone Banking helpline.

However, an EMV chip & PIN card cannot be converted to a magnetic stripe card

Transactions are of two types;

  • Point of sale transaction (POS)

  • Online transaction

A POS transaction may be authenticated by an ATM PIN, where the card is dipped inside the chip terminal or swiped on the EDC machine and the PIN and/or signature is required to complete the transaction.

Online transactions authenticated by an OTP (One Time Password) or IPIN (Internet PIN) are secure transactions. This additional security feature will be applicable on 3D secure enabled merchants only and hence may not be applicable at certain domestic and most international merchants.

Online transactions which do not require an IPIN / OTP authentication are unsecured in nature.

If you have received an alert for a transaction you did not make, this may potentially be a misused transaction. Please contact us immediately on the below numbers to block your card to avoid further misuse and to log a complaint to investigate the misused transaction.

Mumbai: 022 2823 2484 / Delhi / Gurgaon: 0124 254 2484/ Chennai: 044 2852 2484 / Bengaluru: 080 2227 2484 / Kolkata: 033 2283 2484.

If your card account is billed twice for a transaction which was incurred only once, please contact our 24-Hour CitiPhone Banking helpline to dispute the same.

If a transaction which was void / cancelled at the time of incurring, is approved on your card but not billed to the card account, please contact the merchant to provide void / cancellation slip. On acquiring a valid void / cancellation slip / an acknowledgment from the merchant, please forward the same to retail.dox.india@citi.com from your registered email id to cancel the approved transaction and release blocked credit limit

If this transaction is not claimed by the merchant within 30 days, the same will be cancelled automatically and the blocked credit limit will be released. However, if the merchant presents a valid charge slip and claims payment for this transaction, your card will be billed with the transaction amount. In case of that eventuality, you can contact our 24-Hour CitiPhone Banking helpline to initiate a dispute investigation.

If the merchant has initiated a refund for a void/cancelled transaction, please forward the communication received from the merchant along with the 23 digit ARN (Acquirer Reference number) with which the refund was processed, to retail.dox.india@citi.com for us to assist you further.

It may take upto 15 days for the refund to reflect in the card account. If the refund is not credited in 15 days please write to retail.dox.india@citi.com to initiate an investigation with valid supporting documents like, merchant refund/credit note/acknowledgement for the cancellation request raised by the customer.

Please note:

  • The refund amount will be automatically credited to the new card, if your existing credit card is reissued or swapped to another card.

  • If the refund amount is less than the original amount, kindly contact the merchant for further details regarding the same.

A transaction can be disputed for the following reasons:

  • Not incurred - Unknown transaction billed to the card account

  • Double Debit - Charged multiple times for a single transaction

  • Failed / Cancelled transaction - Transaction failed or was cancelled

  • Services not rendered / Goods not received

A transaction dispute should be referred to Citibank within 60 days from the date of the transaction. When a dispute is raised for a transaction, depending on the nature of the dispute, a provisional credit to the extent of the amount disputed may be given and an investigation is initiated. This provisional credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that, you are not adversely impacted during the period of investigation.

Based on the outcome of the investigation, the provisional credit may be made permanent resulting in no liability from your end for the transaction or reversed, wherein the amount under dispute will be debited to your account and payable by you. We will contact you, if the provisional credit given to the card account is reversed.

To raise a dispute investigation, please contact our 24x7 Citiphone Banking services.

To download this form, please click here. The details for sending the CDF are provided in the form.

Billing date/cycle is the date on which the statement is generated for your credit card every month. Payment due date is the date by which payment has to be credited to your credit card, to maintain your card account in current status and avoid levy of late payment charges. The payment due date for a particular month is communicated through the monthly statements and CitiAlerts.

You can also login to Citibank Online with your User id and IPIN and view the Billing date or the Payment Due Date. The following are the steps for the same:

Login -> View account summary - > Choose Credit card - > Choose the particular card -> Last Billed Date or Payment due date is mentioned in the summary of the card.

Payment due dates vary from 17 days and 23 days from your billing date, depending on your payment behavior. Billing date and payment due date cant be changed.

The following are the two modes of credit card statements:

  • Physical Statement - sent to your registered mailing address

  • Statement on email - sent to your registered email address

  • Online statement - You can view your credit card statements online, by logging into Citibank online and choosing the 'e-statement' option. If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration whichever is recent.

Alternatively, to avail your statement details:

  • You can contact our 24x7 CitiPhone Banking and get details of the balance outstanding. You can also get the statements for the last 3 months faxed to you using the Interactive Voice Response (IVR) facility.

(OR)

  • You can get your current balance amount or the latest Mini - statement alert in your mobile number within 30 seconds when you SMS to 52484 in the following format:

STMT YYYY - Last Credit Card Mini Statement Alert

CARDBAL YYYY - Credit Card Outstanding and Available Credit Limit.

Please note: YYYY - Last 4 digits of your Credit Card Number. A space needs to be inserted between the keyword and the last 4 digits of the Card Number.

Physical statements will be sent to your registered mailing address. You will receive the same within 7 working days from the date of statement generation. All physical statements (original / duplicate) will have the complete card number

If you are not getting your credit card statements delivered at your address, we request you to check if the address provide by you is correct in our records. You can do so by logging onto Citibank Online and going to the 'Your contact details' section on the left menu to check the mailing address registered with us.

You can also register for statement on email for faster delivery. Please click here for the same.

If there is a change in your address: We request you to update it online.

If there is no change in your Address: please call our 24x7 CitiPhone Banking services to check the reasons for non-delivery of statements.

'Statements on Email' will be sent to the email id registered on your credit card account.

You can sign up for statement on email by logging onto Citibank Online and selecting 'e-Statements' under the 'Credit Card' tab. Alternatively, you may also sign-up by calling our 24x7 CitiPhone Banking services. The Card number will be masked on all the email statements (original/duplicate).

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. 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. The unique password for your Statement on E-mail comes in a 9 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 DDMMM of your date of birth (in DD/MMM/YYYY format).

For example, if the name on your card or account statement is Rahul Gupta and your date of birth is 01-FEB-1969, then your password will be 'RAHU01FEB'. This password is not case sensitive. Please do not include any spaces, dots or any other special characters while entering the password.

If you are not in receipt of your email statement, please add net.statement@citicorp.com to your personal address book, as certain servers do not deliver mails if the sender address is not maintained in the address book. Also, kindly verify your junk / spam folder as the email address from which the statement is sent may be identified as junk / spam by the server.

You can view your credit card statements online, in 4 easy steps.

STEP 1: Login to www.citibank.com/India and access your account using the User id and IPIN

STEP 2: Click on "eStatements" on the left hand side

STEP 3: Click "View your statement online"

STEP 4: Select the required month from the list of archived statements

If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration whichever is recent.

The option to receive a consolidated annual credit card statement is currently not available.

You can request duplicate in 4 easy steps.

STEP 1: Login to www.citibank.com/India and access your account using the User id and IPIN

STEP 2: Click on "Other Card Services" on the left hand side

STEP 3: Click on "Duplicate Statement"

STEP 4: Select the required month from the list of archived statements

Once the request is placed, you will receive e-statements in 24 hoursPhysical statements will reach you in 4 - 7 working days. You can also choose the instant download option to download the last 18 month statements. Alternatively, you can contact our 24x7 CitiPhone Banking services to request duplicate statements.

Original statements will be issued only once for a specific billing period. Subsequently, only a duplicate copy will be issued for that billing period.

Physical Statement:

Physical statements are dispatched through post and will be delivered within 7 working days from the date of generation. If you are not getting your card statements delivered to your address, we request you to check if the address provided by you is correct on our records. You can do so by logging onto Citibank Online and going to 'Your contact details' section on the left menu to check the mailing address registered with us.

If there is a change in your address, we request you to update it online. If there is no change in your address, please call our 24-Hour CitiPhone Banking to check the reason as to why statements are not delivered.

Statement on Email:

Statement on email will be delivered to your registered email id within 2 working days from date of generation. If you are not in receipt of your email statement, please add net.statement@citicorp.com to your personal address book, as certain servers do not deliver mails if the sender address is not maintained in the address book. Also, kindly verify your junk / spam folder as the email address from which the statement is sent may have been identified as junk / spam by your email server.

Also, please check if the email id provided by you is correct on our records. You can do so by logging onto Citibank Online and going to 'Your contact details' section on the left menu to check the mailing address registered with us.

If there is a change in your address, we request you to update it online. If there is no change in your address, please call our 24-Hour CitiPhone Banking, to check the reason as to why statements are not delivered.

The reward points earning rate will vary depending on the card type that you hold. To know more about the rewards earning structure, please click here

You can check the reward points summary in:

  • Your latest credit card statement or

  • By sending an SMS - SMS REWARDS XXXX (where XXXX stands for the last 4 digits of your card number) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers.

To view the various avenues to earn points for each card type, please click on the respective card:

Citibank provides various Welcome bonus offers / points for new credit cards. The terms & conditions pertaining to these offers and the turn-around time for the credit of the bonus points will be communicated at the time application.

To know more about the Welcome offers pertaining to your credit card account, please click here and choose your specific card type. Alternatively, you can contact our 24x7 CitiPhone Banking.

The following are the bonus reward points offered on certain Citibank credit card products.

Note: The bonus rewards offers construct and the terms & conditions will vary depending on the card type and is subject to change.

Birthday Bonus points

This offer is valid only on the Primary card. The bonus rewards points will be credited to the Primary card holder's account within 60 days post the birthday month.

Anniversary Bonus points

This offer is valid only on the Primary card. Anniversary is defined as 12 months from the date of card issuance on a rolling basis. The bonus rewards points will be credited to the primary card holder's account within 60 days post the Anniversary month.

Green Points (on registration to receive Statements on Email)

It may take up to 100 days for the bonus reward points to reflect on your card statement. This offer is not applicable for swaps into Citibank Rewards card if you had already registered for Statement on E-mail on the earlier card. To know more about 'Statement on Email', please click here. For the Terms & Conditions governing Statement on E-mail, please click here.

Additional Rewards

The bonus rewards offer is valid only on the first 3 additional cards taken on the same Primary card. Bonus Reward Points will be credited to the Primary card holder's account within 60 days of issuance of the Additional card. This offer is not applicable for Additional cards which were swapped along with Primary card into Citibank Rewards card.

Bonus on quarterly Spends

Quarter is defined on the basis of Calendar year, i.e. Jan 1st to Mar 31st, Apr 1st to Jun 30th, Jul 1st to Sep 30th, Oct 1st to Dec 31st. Billed and unbilled spends under primary & additional cards for the said period will be considered. Qualifying purchase value for bonus rewards will exclude all EMI transactions, cash withdrawals, fees (if any), charges and service tax. Any disputed transaction and merchant refunds will not be considered for qualifying purchase value computation. Spends will be calculated basis the transaction date submitted by the Merchant Establishment/Association (i.e. Visa/ MasterCard). Citibank will not be held responsible if Merchant Establishment submits the transaction date as different from the actual date when the transaction was done. The bonus reward points will be credited within 60 days of completion of the said quarter.

Accelerated Reward points offer is provided for certain Citibank credit card products. The accelerated rewards offer is applicable only for transactions incurred at exclusive partner outlets / websites.

Please visit the below link to know the current accelerated rewards offer:

http://www.online.citibank.co.in/card-offers/accelerated-rewards.htm

The incremental reward points will be credited to your card account in the same billing cycle as the qualifying transaction. However, if the transactions are incurred on non-Citibank card swipe terminals at the partner outlets or on non-Citibank online payment gateway at the partner websites, the incremental reward points will be credited within 90 days from the date of the transaction.

Note:The accelerated rewards construct and the terms & conditions will vary depending on the card type and is subject to change.

The reward points earned on your Citibank credit card are evergreen. For co-brand cards like First Citizen Citibank card, please visit the partner website for the applicable terms & conditions governing expiry of points.

The request for redemption of reward points on a closed card should be placed within 45 days from the date of closure. Reward points on closed cards can be redeemed only against card outstanding or from rewards catalog.

To place the request for redemption of reward points on a closed credit card, please contact our 24x7 CitiPhone Banking

Card reissuance

When your card is blocked and reissued, reward points accumulated on the existing card will be transferred to the new card completely. For all financial and accounting purposes, both the cards are treated the same.

Swap

When your existing credit card is converted to another card type, the reward points accumulated on the existing card will be transferred to the new card in the ratio applicable and will be subject to terms and conditions. The ratio of points transfer will vary depending on the card chosen to convert.

Line consolidation

When you wish to close one credit card, and transfer the credit limit on the closed card to the active card, the reward points accumulated on the closed card will be transferred to the active card in the ratio applicable and will be subject to terms and conditions. The ratio of points transfer will vary depending on the card type.

Reward points accumulated on your credit card account can be redeemed in the following ways:

  • Instant Redemption at outlets // In-store shopping redemptions

  • Redemption against Gift Voucher

  • Redemption against Fuel (at select IndianOil outlets)

  • Redemption against Air miles

  • Redemption against card outstanding

  • Online shopping at select outlets

Please note that the option for redemption will vary depending on the type of credit card. Please click here to know more about the redemption options available for your credit card.

Note: Reward points accumulated on a credit card account cannot be clubbed or transferred to another credit card account or savings account or en-cashed. However, reward points accumulated on your credit card will be transferred to a new card in the applicable ratio in the following scenarios:

  • Card reissuance

  • Conversion / Upgrade of card

  • Line consolidation

To redeem your reward points, please click here.

Citibank brings to you nearly seven hundred stores where you can swipe your card and pay with your reward points. You could also do a points plus pay transaction, redeeming your points for part of your purchase and paying with your credit card for the balance. Please click here, to view the list of participating outlets.

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 the purchase. Once the online authorization for the reward points takes place, the rewards charge-slip is generated by the EDC machine and you will have to sign on the same and keep a copy. The charge slip will be titled 'Rewards Sale'.

Click here for detailed FAQs on Rewards Redemption

Note:The option to redeem reward points at merchant outlets will vary depending on the type of credit card. Balance enquiry of reward points cannot be made at any of these outlets.

Citibank Rewards catalogue is one of the options you can use to redeem your Citibank Reward Points. The catalogue offers you a wide range of options with gift vouchers from great brands across apparel, accessories, books, music, entertainment, dining, travel and many more categories.

This option is currently available for the following card types:

  • Citibank Rewards card: Minimum Points Required for redemption = 1500

  • Indian Oil Citibank credit card: Minimum Points Required for redemption = 500

  • Citibank Premier Miles card: Minimum Points Required for redemption = 1000

  • Citi Prestige card: Minimum Points Required for redemption = 1000

Please click here to redeem reward points against gift vouchers. On successful redemption, the gift vouchers will be dispatched to the mailing address maintained on your card account within a period of 10 working days.

Note: The option to redeem reward points for gift vouchers will vary depending on the type of credit card.

Citibank offers the option to instantly redeem reward points earned on the credit card for fuel transactions at over 940 participating IndianOil outlets. Please click here for a list of participating IOC outlets across India. Alternatively, you can SMS IOC < PIN CODE> to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or to + 91 9880752484 for other subscribers closest to you.

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 charge slip will be titled 'Rewards Sale'. If you have any difficulty in redeeming reward points for a fuel transaction, please contact our 24x7 Citiphone Banking services.

Note: The option to redeem reward points at IOC outlets will vary depending on the type of credit card.

Reward points earned on your credit card can be transferred as Air miles as part of the Frequent Flyer program. To transfer the reward points to air miles, you can call our 24x7 Citiphone Banking services and place a request. It may take 7-15 working days for the air miles to reflect on your frequent flyer account depending on the airline partner to whose account the points are transferred.

Note: The option to redeem reward points against Air miles will vary depending on the type of credit card.

This option is presently available for the following card types:

  • Citibank Rewards card

  • Citibank Indian Oil card

  • Citi Prestige card

  • Citibank Ultima card

On redemption, the points so redeemed will be automatically subtracted from the accumulated reward points and the equivalent amount will be credited to the card account and will be adjusted against the total outstanding. Redemption against card outstanding will be processed within 2 working days from the date of receiving the request.

Minimum Points Required

The minimum number of points required for redemption against card outstanding and the ratio of redemption varies depending on the card type.

  • Citibank Rewards Card: Minimum points required = 5000 points and the Ratio is 1 point = Rs.0.35

  • Indian Oil Citibank Platinum/Titanium Card: Minimum points required = 5000 points and the Ratio is 1 point = Rs.0.35

  • Citi Prestige Card: Minimum points required = 250 points and the Ratio is 1 point = Rs.1/-

  • Ultima Card: Minimum points required = 500 points and the Ratio is 1 point = Rs.1/-

Non-customer initiated payment / credit such as reward redemption credit/cash back received into the account after statement generation are not considered as a credit to settle the payment towards Minimum Amount Due. You will need to ensure payment of the Minimum Amount Due in time to avoid levy of late payment charges.

Reward points accumulated on your card account cannot be redeemed as cash or transferred to your savings account.

Instant redemption is available against movie tickets, travel arrangements, mobile services and various other things you'd prefer to shop at online stores. Please click here to view the list of participating outlets for each card type.

Once you have made your selection and reached the payment page, please click on the option Citibank Rewards and you will be able to pay through Reward Points. Click here for detailed FAQs on Rewards Redemption.

Please note that, the option to redeem reward points while shopping online will vary depending on the type of credit card.

To know about the various charges applicable on your Citibank credit card, please Click here and choose your card type.

Annual fee for renewal of card membership is payable by the card member on or before the credit card account relationship anniversary. The relationship anniversary will be the date on which the Citibank credit card account was opened.

The annual fee, as applicable, will be directly billed to the credit card account and the same will reflect in the statement of the concerned month in which it is charged. We will communicate the joining fee and annual fee applicable for both primary and additional card at the time of sourcing.

For further enquiry regarding card fees, you can also:

  • Visit Citibank Online select the card type you wish to view details for (OR)

Click here to compare features of various cards.

Late Payment charges will be applicable if the Minimum Amount Due (MinAD) on the card is unpaid after the Payment Due Date (PDD). This charge is also applicable when the payment made is less than the minimum amount due by the payment due date.

Late payment charges are levied within 3 days post the payment due date. Late payment charges are applied on the current outstanding on your card account on the date of late fee assessment which will include transactions till the date of late fee assessment as per the following bands:

  • Rs.300 for current balance up to Rs.10000

  • Rs.600 for current balance from Rs.10001 – 25000

  • Rs.950 for current balance above Rs.25000

Note: For Citi PremierMiles and Citi Prestige card members, fixed late payment charges of Rs 100 will be applicable.

Interest charge is applicable if you do not pay the Total Amount Due, as per the latest statement, in full (100%) by due date and also on all Cash Advances from the date of transaction till the date of settlement.

Interest charges are calculated by the Average Daily Balance method and will apply to all balances carried forward and to fresh billing. Interest charges levied will be based on usage and payment patterns and are subject to periodic review.

Payment received for card outstanding are allocated in the following order:

  • Tax

  • Fees

  • Interest Charges

  • Cash withdrawals

  • Purchases

For a detailed description on interest charge calculation, please click here.

Whenever cash is withdrawn from your credit card, a Cash Advance fee of 2.5% on advanced amount (subject to a minimum of Rs.500 or US $7.5 at International ATMs) is applicable.

This charge is applicable over and above the interest charges levied for cash advance from credit cards.

If you make a transaction /cumulative transactions that exceed the available credit limit on your card, the bank shall use its sole discretion and decide whether or not to approve the transaction. The bank's decision on approval of such additional temporary credit line would be basis your past card performance history.

In such instances when the outstanding/dues exceed the credit limit assigned, an over-limit charge would be levied to the card account and the Over the Credit Limit (OCL) charges are applicable on total outstanding exceeding the credit limit assigned. OCL is charged at the rate of 2.5% of the amount over the credit limit (subject to a minimum of Rs.500)

For details of these charges and to refer to the Schedule of Charges published in the MITC, please click here and choose your card type. Please note that, these charges are liable to change, with notice, from time to time and at the sole discretion of Citibank.

When a fuel transaction is made at an Indian Oil outlet without a tie-up with Citibank, or used at a non-Citibank EDC machine, a transaction charge @ 2.5 % on the transacted amount or Rs. 10.00 (whichever is higher) will be applied. Service Tax @ 14% will be levied on all charges including fees, interest and other transaction charges. Please ensure that your card is used only at a registered IOC outlet and is used only on a Citibank EDC Machine to avoid these charges.

Please click here to view a list of registered Indian Oil outlets.

A card replacement charge of Rs.100/- is applicable when a lost / stolen credit card is reissued. Applicability of this charge varies depending on the card type.

For more details, please click here to refer to the Schedule of Charges.

When a cheque payment is made for your credit card and if the same is payable at a location where we do not have a Citibank branch, an Outstation Cheque fee is applicable. This charge is levied to cover the cheque collection charges. This charge will vary depending on the value of the cheque / instrument:

  • Upto Rs.10000 - Rs.50 per cheque

  • Rs.10001 to Rs.100000 - Rs.100 per cheque

  • Above Rs.100001 - Rs.150 per cheque

When payment made through cheque / ECS is returned due to financial reasons, bounce charge of Rs.500/- is applicable.

A surcharge is applicable for every railway transaction done at IRCTC. The surcharge is applicable at the following rate:

  • Over the counter booking - 2.5% of the transaction value (subject to a minimum of Rs.25)

  • 1.8% of transaction value for internet transactions

  • 2.8% of transaction value for EMI transactions.

The foreign currency mark-up charge is for facilitating international purchases on your card and covers the cost of currency conversion. Foreign currency (Non-U.S. Dollar) transactions on credit card are converted into U.S. Dollars (which is the currency denomination used by the Associations - MasterCard, Visa International, etc, for settlement of international transactions) and then the U.S. Dollar amount is converted into Indian Rupees. U.S. Dollar transactions are converted directly into Indian Rupees.

The following fees are charged on International transactions:

  • Foreign currency exchange rate as per the rate applicable on the day the merchant is claiming the transaction.

  • Citibank Mark-up charges - charged at 3.5% of the billing amount

  • Service Tax and the Swach Bharat cess as determined by the Government of India from time to time, is applicable on mark-up charges

For further details, please click here to refer to the Schedule of Charges.

When payment for your credit card is made in the form of cash deposited at a Citibank ATM a fee of Rs.100/- is applicable.

When payment for your credit card is made in the form of cash deposited at a Citibank branch a fee of Rs.250/-is applicable.

Service Tax and the Swach Bharat cess as determined by the Government of India from time to time, is applicable on all fees, interest and other charges as per relevant and prevailing regulations of the Government of India.

You can make the payment for your Citibank credit card in a number of ways. The various modes of payment are:

  • Online Payment

    • Payment from other bank account such as NEFT/RTGS/EPAY/VMT

    • Payment via Citibank Account - such as SI/CBOL
  • Payment via Cheques

  • Cash deposit at Branch/ATM

  • Payment through Electronic Clearance Service (ECS).

To know more about the various payment options, please click here

To make payments to your credit card via cheque, please make your cheques /drafts payable to 'Citibank credit card no.' (mention your 14/16 digit card number). Kindly mention your name and contact number on the reverse of the cheque/draft. You can simply drop your cheque/draft into the drop boxes placed at Citibank ATMs or select merchant locations. Click here to view a list of drop boxes. The turn-around time for processing cheque payments dropped at drop box is 3 working days.

You will receive an alert message on your registered mobile number, on receipt of the cheque and credit of the payment. The blocked credit limit will be released, once the cheque is cleared and the payment is credited to the card account. If you have not received the alert, please call our 24x7 Citiphone Banking services to know status of your cheque.

If there is any discrepancy in the cheque, the cheque payment will not be credited to the card account. Some of the discrepant reasons are mentioned below:

  • Card number not mentioned/invalid card number

  • Cheque not signed

  • Cheque is altered

  • Amount in words & Figures mismatch

  • Date not written/Invalid date/Cheque is stale/Outdated

Cheque payments can be returned due to 'Financial / Non-financial reasons. The following are some of the reasons for which a cheque can be returned:

Financial reasons:

  • Insufficient Funds

  • Funds Expected

  • Account Closed

Non - financial reasons:

  • Unsigned cheque

  • Date not mentioned

  • Amount in words and figures not mentioned / incorrectly mentioned

  • Alteration in the cheque

If a cheque is returned due to financial reasons, a bounce charge of Rs.500/- is applicable. For more details, please click here to refer to the 'Schedule of Charges'.

Cash Payment for your credit card can be deposited through following modes:

ATM Deposit

Cash payment for your credit card can be deposited at select Citibank ATMs. The envelope along with the deposit slip is available at these ATMs. Once the required details are filled in the slip, you will have to swipe your credit card and choose the 'Cash Deposit' option. ATM PIN is not required to validate cash deposit. You will receive a receipt confirming cash deposit. A fee of Rs. 100/- per payment is applicable for cash payments deposited at Citibank ATMs. The turn-around time for crediting the payment is 48 hours.

Branch Deposit

Cash payment for your credit card can be deposited at Citibank branches. A fee of Rs. 250 per deposit is applicable. For payments greater than Rs.50,000/- PAN card verification is mandatory. Cash payment for your credit card at a Citibank branch can also be made by a third party. The turn-around time for crediting the payment is 24 hours. Please click here to view the list of Citibank ATMs and branches.

The following are the various modes of online payment:

Financial reasons:

  • NEFT / RTGS - With the NEFT option, you can have funds credited to your credit card even when you pay through a non-Citibank bank account. You will have to add your Citibank credit card as a beneficiary to initiate fund transfer. You can use the RTGS option if you want to transfer an amount equal to or greater than Rs. 2 lakhs.

  • E-Pay - Citibank's E-Pay lets you pay your credit card bills online even if you don't have a Citibank account. This will normally take 2 working days (excluding Saturdays & Sundays) to be credited into your account. Please click here to E-Pay now.

  • Visa Money Transfer - When you pay your Citibank credit card bill from a non-Citibank account, you can use Visa Money Transfer (VMT) option. Depending on the processing timelines of your bank, this will normally take 2 to 4 working days to be credited to your Citibank credit card.

You can initiate payment of your Citibank credit card via NEFT in 3 simple steps.

Step 1: Login to your bank account

Step 2: Choose the Payee option as 'Credit card payment' (if available with your bank)

Step 3: Provide the payee details for funds transfer. The Payee details to be provided are as follows:

Payee Name: Name as it appears on your Citibank Credit Card

Payee Account Number: Valid latest Citibank credit card number

Bank Name: Citibank N.A

Payment Account Type: Select any account type

IFSC Code: CITI0000003

Branch Address: CHENNAI (Customers residing in any city can initiate a payment using CHENNAI IFSC code CITI0000003)

The actual time taken to credit the account depends on the time taken by your bank to process the payment.

Please initiate your funds transfer before 05:30 p.m from Monday to Saturday (Except 2nd and 4th Saturdays) for same day credit to your Citibank credit card. Funds transfer request made on non-working days will get executed on the following working day. Citibank is not responsible for any charges/commission of any kind levied/charged by the originating bank.

With Citibank Online credit card payment options you can set up a standing instruction to pay either the minimum amount due or total amount due of your credit card statement. It is an instruction given by you to Citibank for debiting your Citibank account and make payment to your Citibank credit card.

You can register a Standing instruction by logging to your online account or contacting our 24x7 Citiphone Banking services.

The final amount post adjustments will be executed on the payment due date. However, if the payment due date falls on a day succeeding a Sunday or public holiday, the requisite funds will be debited from the bank account a day prior to the payment due date and the card will be credited on the payment due date.

The amount debited from your Citibank account for SI execution depends on the credits (customer-initiated payments, merchant refunds, reward redemption credit/cash back, charge reversal, etc, if any) and debits(payment reversals) received into the account after the last statement generation date up to a working day prior to the payment due date. SI execution works on the logic that, lower of the Minimum Amount Due or the difference between Total Amount Due and credits will get executed.

You can cancel a Standing instruction by logging to your online account or contacting our 24x7 Citiphone Banking services.

Please refer to Cardmember Terms & Conditions for further details.

You can opt to set up an Electronic Clearing System (ECS) for payment of your card bills automatically from your other bank savings account. ECS can be for Total Amount Due (TAD) or Minimum Amount Due (MAD) or Fixed Amount due (FAD). The turn-around time for payment to be credited to your card account is 2 working days.

To set up an ECS for your credit card payments, please download this form and send it to us at the address mentioned on the form.

Please note that, the amount debited from your savings account for ECS execution depends on the credits (customer-initiated payments, merchant refunds, reward redemption credit/cash back, charge reversal, etc, if any) and debits(payment reversals) received into the account after the last statement /bill generation date up to a working day prior to the payment due date. ECS execution works on the logic that lower of the Minimum Amount Due or the difference between Total Amount Due and credits will get executed. For further details please refer to Cardmember Terms & Conditions.

Please contact our 24x7 Citiphone Banking services to know the status of an ECS registration or to cancel an ECS registered on your card account.

When there is an excess balance on your credit card account, the account will show a negative balance. The excess balance will be adjusted against future purchases on the card account. To claim a refund of the excess balance or to transfer the excess balance to another linked Citibank credit card, please contact our 24-Hour CitiPhone Banking helpline.

To avoid any late payment or interest charges, it is recommended that you pay the amount in full on or before 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) and will be calculated using the average daily balance method. Please ensure that you pay at least the Minimum Amount Due before or on the due date to avoid any late payment charges. Non-payment of at least the Minimum Amount Due will be reported in the monthly submissions to the credit bureaus, authorized by the Reserve Bank of India (RBI). Non-payment may also lead to disruption in credit card services.

Citi alert is an internet-based notification system that you can use to know up-to-date about 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 and when an event occurs.

You can choose to receive reminder messages for bill payment or status of any account activity. Accordingly, alerts will be sent to your registered mobile number and email id when a payment is credited to your credit card account.

Please click here to know more about this service.

Loan on Phone is a loan given on your Citibank credit card. The loan can be availed against your available credit limit. In some cases, the loan can even be over and above your credit limit. You can avail instant loan on your credit card, subject to a few conditions and eligibility as determined by the bank's policy. Eligible card holders can avail the loan by contacting our 24x7 Citiphone Banking services / Citibank Online/ by confirming to the telecalling unit when contacted for the same.

Loan on Phone can be availed without any identification documentation, post-dated cheques or down payment. To check if you are eligible for Loan on Phone or to know the status of a loan applied for, please contact our 24x7 Citiphone Banking services

Note:The proposed end-use of the loan amount should be declared at the time of loan booking. It is mandated that the loan cannot be used for business purposes, and/or purchase of gold/gold bullions/ gold coins/gold jewelry/ gold exchange traded funds/ gold mutual funds and for speculative or trading purposes such as shares and short term investments like KVP, PPF,NSC, Mutual Funds, fixed deposits, RBI bond, ULIP and for subscription into Citi offered wealth management, Insurance products or similar products. Citi prohibits the usage of unsecured loans for investments into Citi wealth management and insurance products

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

Interest charges are calculated by the reducing balance method. For new loans interest rate is dynamic and can change month on month based on business decision. The rate of interest and the EMI amount will be communicated at the time of processing the loan.

The first EMI gets billed in the immediate statement that is sent to you post availing the loan.The EMI will be billed in the monthly credit card statement and also included as part of the Minimum Amount Due every month.

In case the loan is booked against the credit limit, the entire loan amount blocks the credit limit on the card. As and when the loan installments are billed on the card and paid, the limit will be released up to the principal component.

Citibank provides 'Loan on Phone' offers to eligible customers. If you are eligible for the offer, you will receive a notification through your online account / your registered email id. To avail the offer, please follow the instructions mentioned in the offer mail or contact our 24x7 Citiphone Banking services.

The loan draft will be issued in the name mentioned on your credit card. The draft will reach you within 3 working days of receiving your request. We closely monitor the dispatch and delivery of drafts and we shall ensure that it reaches you within 3 working days.

However, feel free to call us any time at our 24x7 Citiphone Banking services numbers, (mentioned at the back of your Credit card) and inquire about your draft delivery/dispatch by sharing your loan booking reference number.

Reward points will not be accumulated for the EMI amount billed on your credit card account for loan on credit card.

The loan availed on your credit card can be pre-closed by calling 24x7 Citiphone Banking services. On pre-closure of the loan availed in your card, the following will be billed to your card account.

  • Balance Principal outstanding

  • Prepayment charges @ 3% on the outstanding principal

  • Interest for the actual number of days till closure i.e. from the last billing date till the date of closure

  • Service Tax and the Swach Bharat cess as determined by the Government of India, is applicable on all fees, interest and other charges as per relevant and prevailing regulations of the Government of India.

When a credit card is closed, any pending loan on the card will be pre-closed automatically and the above mentioned charges will be billed to the card account.

'Dial an EMI' is an offer that enables you to convert a transaction incurred on your credit card into an Equated Monthly Installment (EMI) transaction and pay in instalments. You may login to Citibank Online with your User ID and Password (IPIN) and to convert a purchase into EMI online. Alternatively, you can call our 24x7 Citiphone banking to convert a purchase into an EMI.

Transactions above Rs. 2,500/- can be converted and paid through the EMI facility subject to terms and conditions and eligibility as determined by the bank's policy. However, the purchase amount should not exceed Rs.1,50,000. You can convert up to a maximum of 10 transactions into EMI. Please note that, as per Reserve Bank of India (RBI) guidelines, no advances should be granted by banks for purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold Exchange Traded Funds (ETF) and units of gold Mutual Funds and conversion of such transaction into an Equated Monthly Installment (EMI) scheme is prohibited.

A transaction may be converted into EMI only if it is reflecting in:

  • Unbilled (OR)

  • Current statement (provided the current date is not greater than the payment due date + 4 days, subject to eligibility criteria).

As and when the EMI is billed to the card account, the blocked credit limit will be released to the extent of the principal component.

Please note that once a transaction that is converted into EMIs the same cannot be cancelled. EMI transactions can only be pre-closed and pre-closure charges will be applicable. To know the status of your EMI conversion, please contact our 24x7 Citiphone Banking services

Citibank enables you to pay the total outstanding on your credit card account in Equated Monthly Installments (EMI) through the 'Balance Conversion' facility. This offer is subject to terms and condition and eligibility is determined by the bank's internal policy guidelines. To check your eligibility and to avail this offer, you contact our 24x7 Citiphone Banking Division. This facility is also available through Citibank Online for eligible customers.

'Merchant EMI conversions' are transactions converted into Equal Monthly Installments (EMI) by the merchant at the time of incurring the same. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product. Cash back for a 'Merchant EMI' transaction is offered solely by the merchant / brand and shall be credited to the card account only on receipt of the funds from the merchant / brand. This process may take up to 90 business days.

Please click here to view the list of merchant outlets where you can avail this facility. To pre-close a 'Merchant EMI' transaction, please contact our 24x7 Citiphone Banking services.

Balance Transfer facility is given against the available credit limit. This will enable you to pay of your outstanding with other bank credit cards /personal loans.

Citibank currently does not offer this facility. If you had previously availed this facility or to know more about the same, please contact out24x7 Citiphone Banking services.

Balance Conversion

Please note that, reward points will not be earned for the balance conversion EMI.

Dial an EMI

The reward points earned on the transaction you wish to convert to EMI will be credited to your card in the monthly statement and will not be altered. Please note, there will be no reward points earned on the EMI amount.

Merchant EMI Conversions

Reward points shall be earned as per the feature applicable for the credit card for the Merchant EMI purchase and shall be credited in proportion to the EMIs billed, each month. In specific cases where the transaction is billed and then converted into Merchant EMI, reward points will be allocated as per the total transaction amount on the date of the transaction.

Dial an EMI

A processing fee of 2.5% of the transaction amount or Rs.200 whichever is higher is applicable on every purchase conversion and service Tax and the Swach Bharat cess as determined by the Government of India is applicable

Balance Conversion

A processing fee of 2.5% of the transaction amount or 300 (whichever is maximum) and service Tax and the Swach Bharat cess as determined by the Government of India is applicable

Merchant EMI Conversions

Interest rates as communicated at the time of availing of the product(s) shall be applicable/ levied.

The EMI conversions can be pre-closed by calling 24x7 Citiphone Banking services. On pre closure of the loan availed in your card, the following will be billed to your card account.

  • Balance Principal Outstanding

  • Prepayment charges @ 3% on the outstanding principal

  • Interest for the actual number of days till closure i.e. from the last billing date till the date of closure

  • Service Tax and the Swach Bharat cess as determined by the Government of India, is applicable on all fees, interest and other charges as per relevant and prevailing regulations of the Government of India.

Please note:

  • Once a transaction is converted into EMIs the same cannot be cancelled. EMI transactions can only be pre-closed and pre-closure charges will be applicable

  • No pre closure charges are applicable for Merchant EMI transaction.

The EMI will be billed in the monthly credit card statement and will also be included as part of the Minimum Amount Due every month. The first EMI gets billed in the immediate statement generated post availing the loan. The Transaction Fee gets billed on the day the loan is booked and hence reflects in the immediate statement generated post availing. The EMI is also treated like a purchase. So if you choose to revolve the interest charges are applicable. If the payment is not made within the payment due date, this will also attract late payment charges. As and when the EMI is billed to the card account, the blocked credit limit will be released to the extent of the principal component.

Please note that, a separate statement for EMI conversions / loan on credit card will not be provided.

To know more about the EMI billed to your card account, please contact our 24x7 Citiphone Banking services.

Citibank offers comprehensive insurance solutions for you and your family. These economical Insurance plans include Life Insurance, Health and Accident Insurance, Travel Insurance, Property Insurance, and Insurance for Loans taken by you.

Please click here to know about the various Insurance products offered by Citibank.

To apply for an Insurance product offered by Citibank, please click here. Alternatively, please contact our 24x7 Citiphone Banking services.

At the time of enrolling into our non-life insurance product, you will be given an option to convert the first premium billed to your credit card into EMIs. The EMI will be offered at a particular interest rate which may vary from time to time The term of the EMI option will be communicated at the time conversion.

Please note that, this EMI facility is available only for the first premium and will not be applicable at the time of renewal.

The renewal period of an insurance policy may vary depending on the type of policy held by you. A communication regarding the renewal of the policy will be sent to your registered mailing address.

To cancel automatic renewal of your insurance policy, please contact our 24x7 Citiphone Banking services. Please note that, cancellation of automatic renewal of policy amounts to cancellation of the insurance policy.

To cancel an Insurance policy availed on your credit card, you can contact our 24x7 Citiphone Banking services.

In case, the policy is cancelled within the free look period, you will receive refund of the entire premium amount. If the policy is cancelled after the completion of the free look period, you will receive refund of a ratable portion of the premium billed to the card account.

Please note that, the free look period and refund amount may differ depending on the type of policy held by you.

You may register for the Bill Payment facility by logging on to Citibank online with your User ID and Password (IPIN). Once you login:

STEP 1: Click on 'Banking' / 'Credit Card' tab

STEP 2: Click on the 'Bill Pay' link on the left panel

STEP 3: Click on the "Register new biller" option and select the city, biller category & biller name.

Once the details are selected Citibank Online will list down the mode of payments supported by the Biller - "Auto pay" / "Confirm & Pay" / "One-time Payment". Choose the preferred bill pay option and the card you want to debit. Alternatively you may contact our 24x7 Citiphone Banking services or register through our ATM kiosk.

While "One-time payments" will be accepted immediately, "Auto Pay" & "Confirm & Pay" requests require validation from the biller. Once the bill details are entered and post successful registration we will send your registration details to the biller for validation. Upon successful validation, we will send you an alert confirming the same. Post that you would be able to make payments through Citibank Online for your utility bills.

Once your credit card is debited, the bill payment will be credited to your utility account in 2-3 working days. You will get an alert at your registered mobile number & email id once payment is processed. Please ensure your mobile number & email id are updated with us.

Any Citibank credit card / banking account customer can make bill payments through Citibank Online, Citi Mobile or by contacting our 24x7 Citiphone Banking services. There are no charges applicable for availing this facility.

You can use the Bill Pay facility in the following ways:

  • One-time bill payment - You can use our one-time Bill Payment option to make an immediate payment for your bill. You can save the details and add the biller to your 'Biller List' for future payments.

  • Auto Bill pay - You can use our Auto Pay bill payment option and have your bills paid automatically every month.

Confirm & Pay - You can use this option to view your bill before you make the payment. Citibank will track your bill and intimate you when your bill is received. You will just have to login to the online banking platform, view your bill amount and confirm to make your bill payment.

With the Bill Pay facility, payment can be made for various categories of billers like electricity, mobile, telephone, mutual funds, donations, gas, water etc. To know the list of billers for your city, please click here, choose the 'Billers' tab and select the city.

Procedure to add / register a Payee / Biller:

  • Login to Citibank Online

  • Click on 'Bill Pay' link on the left panel under Banking or Credit Card tab.

  • Click on "Register new biller" option and select the city, biller category & biller name

  • Choose mode of payment - 'Auto pay' / 'Confirm & Pay' / 'One-time Payment' and the card to be debited and click on 'Proceed'

Provide the details pertaining to the utility account and click on 'Register'.

Procedure to delete / de-register a Payee / Biller:

  • Login to Citibank Online

  • Click on 'Bill Pay' link on the left panel under Banking or Credit Card tab.

  • Click on "Pay / Manage Bills" option

  • Choose the mode of payment - 'Auto pay' / 'Confirm & Pay' / 'One-time Payment'

Click on 'Remove' / 'De-register'.

In order to deregister for the Bill Payment facility on your card, you may login to our website and place a request to deregister for the particular bill pay service. Alternatively you can call us on our CitiPhone helpline.

If you want to make a stop payment for the bill payment only for the current month, we have an enhanced facility with the help of which the payment for the current month can be revoked. Please contact our 24x7 Citiphone Banking services for the same.

To register for CitiAlert via Citibank Online:

  • Login to Citibank Online

  • Click on the 'Credit card' tab

  • Select the option to 'CitiAlert'

The user-friendly screen that opens up will guide you through the procedure to register for new alerts or modify the channel for the existing alerts. There are certain mandatory alerts that will be sent to your registered mobile number or registered email address regardless of registration. Some of the mandatory alerts are 'Statement Alerts' 'Payment Confirmation Alerts', 'Transaction Confirmation Alerts' etc.

Alternatively, your can contact our 24x7 Citiphone Banking services to register for these alerts.

It is our constant endeavor to keep you updated on our latest promotional offers from time to time. However we can flag your account as "Do Not Disturb". This will ensure you do not receive any marketing & sales emails. You can change your preference on our offers and services by providing your details here

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.

Citibank considers your contact details as sensitive information. An Internet Banking User ID and Password (IPIN) should be selected by you for first time login based on your debit card/credit card and other personal details to access your account online. For generating your new User ID and Password (IPIN) please click here. The user-friendly screen that opens up will guide you through the procedure to be followed.

To change your User ID:

  • Please log in to your account using your existing User Id and IPIN.

  • Select the product "Banking / Credit card" in the left navigation panel.

  • Choose "Other Banking Services."

  • Select "Change User ID" under "Other Banking Services."

An IPIN is your internet password. You can change this anytime you wish. If you have an existing IPIN and forgotten the same or if your IPIN has been disabled, please click here to reset the same.

If you remember your IPIN (internet password) and want to change it,

STEP 1: Login to www.citibank.com/India and access your account using the IPIN

STEP 2: Click on Credit card tab on the left side of screen

STEP 3: Click on "PIN related" on the left hand side

STEP 4: Click on "Internet PIN"

The screen that opens up will guide you through the procedure to be followed.

Citibank Online enables you to view all your linked Citibank products using the same User ID and IPIN.

Once you login to Citibank Online, you will be able to view details pertaining to your Citibank savings / current account, credit cards, personal loan / home loan accounts and other linked Citibank products (if any) under one customer number. Please note that the products availed by you should be linked to view the details through the same login.

The option to view details pertaining to loans availed on your credit card, is currently not available online.

If there is any issue while logging into Citibank online or in viewing your account details, please contact our 24x7 Citiphone Banking services

To link your Citibank products, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking' / Credit card

Step 2: Click 'Other Services and Queries' on the left navigation panel.

Step 3: Select 'Link my accounts' and follow the instructions.

The credit card will be linked to your account within two working days if name, date of birth and address match in both. Once your accounts are linked, you will see the linked card account number on your account summary page. In case we are unable to link your credit card to your savings account, we shall intimate you vide an email to your registered email ID

You can login to your Citibank Online account using your User ID and Internet Password (IPIN) and change your mailing, non-mailing address and phone numbers. If you do not have an Internet Password (IPIN), you can generate one online by clicking here. You can also call 24-Hour CitiPhone Banking helpline.

Alternatively, you can send us the instruction with a copy of one of the below mentioned address proof documents:

  • Valid Passport / Driver's License / Voter's ID Card / Aadhaar Card

  • Utility Bill not more than 3 months old with name and address (Landline Telephone Bill, Mobile Bill, Electricity Bill, Water or Gas Bill)

  • Registered Lease Deed / Registered Rent agreement Copy / Property Registration Document in your name.

  • Bank account statement printed on bank's letterhead, not more than 3 months old.

The above documents can be sent to retail.dox.india@citi.com from your registered email address or to: P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002.

The maximum number of characters allowed in the address field is 100 (25 characters per line inclusive of spaces). If the address is more than 100 characters in length, please shorten the same as required.

The following are considered as valid address proof documents:

For Residence address:

  • Valid Passport / Driver's License / Voter's ID Card / Aadhaar Card

  • Utility Bill not more than 3 months old with name and address (Landline Telephone Bill, Mobile Bill, Electricity Bill, Water or Gas Bill)

  • Registered Lease Deed / Registered Rent agreement Copy / Property Registration Document in your name.

  • Bank account statement printed on bank's letterhead, not more than 3 months old.

For Office address

  • A letter from HR (in company letterhead) confirming employment

  • Utility bill displaying office name

As per the 'Know Your Customer' guidelines issued by the Reserve Bank of India (RBI), a valid proof of address is required to be submitted every time there is a change of address, within 6 months from the date the address is updated in the account. To comply with the same, you will be required to submit self-attested copy of any one of the valid address proofs documents. Click here to know the list of valid address proof documents

Document submission can be done through any of the following options:

  • Upload the documents online through Citibank Online - Once address update is complete, the link to upload documents will be available in the 'Notifications' section of your online account.

  • Send scanned copy of the document to myaddressproof@citi.com from your registered email address. Do remember to mention your account number.

  • Mail the documents to Citibank, N.A., Mail Room, No.2 Club House Road, Chennai 600 002, India.

  • Visit Your nearest Citibank branch or NRI Service Center

If you have legally changed your name, please provide a copy of the "Gazette Order" confirming the name change. To include your spouse's name as the surname after marriage, kindly provide a copy of your 'Marriage Certificate'. To correct the spelling of your name or the date of birth or the gender flagging on your credit card account, please provide one of the following documents

  • Copy of your School leaving certificate:

  • Copy of your Passport

  • Copy of you Ration Card

  • Copy of your Aadhar card

  • Copy of your driving license

The above documents can be sent to retail.dox.india@citi.com from your registered email address. Alternatively you can forward the instruction along with the documents to: P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002

To update your Permanent Account Number (PAN), please forward a self-attested copy of your Permanent Account Number (PAN) card to retail.dox.india@citi.com from your registered email address.

To close your Card Account, you may call our 24-Hour CitiPhone Banking helpline OR Write to: Citibank Mail Room, No. 2 Club House Road, Chennai 600002.

Note:

  • On closure of your credit card account, any pending loan availed on the same, will be pre-closed and the outstanding principal and the other applicable charges will be billed to your card account.

  • The reward points accumulated on your card account should be redeemed within 45 days from the date of closure. The reward points can be redeemed against card outstanding or against Gift Vouchers available in the rewards catalogue, subject to applicable terms and conditions. You can call 24-Hour CitiPhone Banking helpline.. or write to us to place a request to redeem reward points.

You can get your card account balance through the facility called 'Citialert on Demand'; all you need to do is type message 'CARDBAL' followed by a space and followed by the last four digits of your card number and send SMS to 52484.

If you want to know the outstanding as per the current statement then you need to type 'STMT' followed by space and the last four digits of your card number and send the SMS to 52484. You shall get your card outstanding with details of the Total Amount Due, Minimum Amount Due and Payment Due Date for the current month's statement. Alternatively you could also call up on CitiPhone and we shall be glad to assist you (If you are not on Aircel / Airtel / Vodafone / Idea, the SMS should be sent to long code +919880752484)

Note: On closure, the outstanding balance on your card account cannot be transferred to another card account.

To re-activate your credit card, please write to us with a copy of the identity proof document and passport size photograph. The following are the valid identity proof documents:

  • PAN card

  • Passport

  • Adhaar card

  • Voter's ID

  • Driving license

The above documents can be sent to retail.dox.india@citi.com from your registered email address or to: P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002. On receipt of the above documents, your request for re-activation will be reviewed.

The decision to re-activate a card account will be processed after careful consideration of the Bank's internal policies and operating procedures and will be done at the sole discretion of the bank.

When a card is lost or stolen or damaged, the same can be blocked and reissued. To block and receive a new card, you can call 24-Hour CitiPhone Banking helpline.

Once a credit card is blocked, the same card plastic cannot be re-activated. When a card is reissued, a replacement card with a different number is sent to your registered mailing address. However, for all financial and accounting purposes, both the cards are treated the same.

Please note that, blocking your card does not lead to closure of your credit card account.

Banking

Click on    to expand and on    to minimize the details.

Automated Teller Machine is a computerized machine that provides the customers of banks the facility of accessing their account for dispensing cash and to carry out other financial & non-financial transactions without the need to actually visit their bank branch.

ATMs set up, owned and operated by non-banks are called White Label ATMs. Non-bank ATM operators are authorized under Payment & Settlement Systems Act, 2007 by the Reserve Bank of India.

i) In White Label ATM scenario, logo displayed on ATM machine and in ATM premises pertain to WLA Operator instead of a bank. However, for a customer, using WLA is just like using the ATM of other bank (bank other than card issuing bank). ii) Acceptance of cash deposits at the WLAs is not permitted at present.

The rationale of allowing non-bank entity to set up White Label ATMs has been to increase the geographical spread of ATM for increased / enhanced customer service.

The ATM/ATM cum debit cards, credit cards and open prepaid cards (that permit cash withdrawal) issued by banks can be used at ATMs/WLAs for various transactions.

In addition to cash dispensing, ATMs/WLAs may offer many other services/facilities to bank customers. Some of these services include:

  • PIN change (at all Citi ATMs)
  • Request for Cheque Book (at all Citi ATMs)
  • Account Information (at all Citi ATMs)
  • Mini/Short Statement
  • Cash Deposit (at select Citi ATMs, not permitted at WLAs)
  • Regular Bills Payment (not permitted at WLAs)
  • Purchase of Re-load Vouchers for Mobiles (not permitted at WLAs)

For transacting at an ATM/WLA, the customer inserts /swipes his/her Card in the ATM/WLA and enters his/her Personal Identification Number (PIN). Usually the transactions are menu driven for facilitating easy operation.

PIN is the numeric password which is separately mailed / handed over to the customer by the bank while issuing the card. Most banks require the customers to change the PIN on the first use. Customer should not disclose PIN to anybody, including to bank officials. Customers should change the PIN at regular intervals.

Yes. The cards issued by banks in India may be used at any bank / white label ATM in the country.

Yes. With effect from November 01, 2014, a bank must offer to its savings bank account holders a minimum number of free transactions at ATMs as under:

I. Transactions at a bank’s own ATMs at any location: Banks must offer their savings bank account holders a minimum of five free transactions (including both financial and non-financial) in a month, irrespective of the location of ATMs.

II. Transactions at any other banks’ ATMs at Metro locations: In case of ATMs located in six metro locations, viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad, banks must offer their savings bank account holders a minimum of three free transactions (including both financial and non-financial transactions) in a month.

III. Transactions at any other banks’ ATMs at Non-Metro locations: At other locations, banks must offer the savings bank account holders a minimum of five free transactions (including both financial and non-financial transactions) in a month at other bank ATMs.

RBI has mandated only the minimum number of free transactions at ATMs. Banks may offer more number of transactions free of cost to their customers. The above does not apply to Basic Savings Bank Deposit Accounts (BSBDA) as withdrawals from BSBDA are subject to the conditions associated with such accounts.

Yes, customers can be charged for transactions at ATMs over and above the mandated number of free transactions (as indicated in answer to Q.10 above). In case a bank decides to levy charges, the customer can be charged a maximum of Rs. 20/- per transaction (plus service tax, if any) by his/her bank.

The customer should contact the card issuing bank immediately on noticing the loss / theft of the card and should request the bank to block the card.

Banks are required to display the name and the contact numbers of concerned officers/toll free number/help desk numbers in the ATM premises. Similarly, in WLAs, contact number of officials/toll free numbers/ helpline numbers is also displayed for lodging any complaint regarding failed/disputed transactions.

The customer should lodge a complaint with the card issuing bank at the earliest. This process is applicable even if the transaction was carried out at another bank’s/non-bank’s ATM. In case of WLAs, the contact number/toll free numbers are also available for lodging complaints regarding failed transactions at their ATMs.

As per the RBI instructions (DPSS.PD.No.2632/02.10.002/2010-2011 dated May 27, 2011), banks have been mandated to resolve customer complaints by re-crediting the customer’s account within 7 working days from the date of complaint.

Yes. Effective from July 1, 2011, banks have to pay compensation of Rs. 100/- per day for delays in re-crediting the amount beyond 7 working days from the date of receipt of complaint for failed ATM transactions. The compensation has to be credited to the account of the customer without any claim being made by the customer. If the complaint is not lodged within 30 days of transaction, the customer is not entitled for any compensation for delay in resolving his / her complaint.

The customer can take recourse to the Banking Ombudsman, if the grievance is not redressed by the his/her card issuing bank.

The Grievance Redressal Mechanism available to users of WLA is same as that available to users of banks’ ATMs for failed/disputed transactions. While the primary responsibility to redress grievances of customers relating to failed transactions at such WLAs will vest with the card issuing bank, the sponsor bank will provide necessary support in this regard, ensuring that White Label ATM Operator (WLAO) makes available relevant records and information to the Issuing bank.

Customer should destroy the card upon card expiry or closure of account, cut it into four pieces through the magnetic strip/chip before disposing it off.

Customers should observe following Dos and Don’ts to keep their transaction safe and secure at ATM/WLA:

  • Customer should conduct any ATM/WLA transaction in complete privacy.
  • Only one card holder should enter and access ATM/WLA kiosk at a time.
  • He/she should never lend his/her card to anyone.
  • Do not write PIN on the card.
  • Never share PIN with anyone or seek help from anybody by handing over the card and revealing the PIN.
  • Never let anyone see the PIN while it is being entered at the ATM
  • Never use a PIN that could be easily guessed. e.g. his/her birthday, birthday of spouse or telephone number.
  • Never leave card in the ATM/WLA.
  • egister mobile number with the card issuing bank for getting alerts for ATM /WLA transactions. Any unauthorized card transaction in the account, if observed, should be immediately reported to the card issuing bank.
  • Beware of any extra devices attached to the ATMs/WLAs. These may be put to capture customer’s data fraudulently. If any such device is found, inform the security guard / bank/ white label ATM entity maintaining it immediately.
  • Keep an eye on suspicious movements of people around ATMs/WLAs. Customer should beware of strangers trying to engaging him/her in conversation or offering assistance / help in operating the ATM
  • Remember that bank officials will never ask for card details or PIN over telephone / email. So, do not respond to any phishing mails from people indicating that they represent your bank.

Please select the account type:

Employee Reimbursement Account (ERA) is offered only if you hold a Citibank Suvidha Corporate Salary Account. You may contact your Human Resource or Payroll department to check the corporate tie-up or to obtain the contact details of our Corporate Relationship Managers.

CitiGold, Citibanking

For opening a CitiGold account, please provide your contact details here and we shall contact you to assist with account opening.

For opening a Citibanking Account, please provide your contact details here and we shall contact you to assist with account opening.

Citibank Suvidha Corporate Salary Account

Citibank Suvidha Corporate Salary Account is offered to employees of organization that have an on-going salary account tie-up with us. You may contact your Human Resource or Payroll department to check the corporate tie-up and take forward the account opening formalities.

Employee Reimbursement Account (ERA)

ERA is offered only if you hold a Citibank Suvidha Corporate Salary Account. You may contact your Human Resource or Payroll department to check the corporate tie-up or to obtain the contact details of our Corporate Relationship Managers.

Senior Citizen Account

Kindly visit the nearest Citibank branch with your identity proof, address proof, pan card and a recent passport size photograph.

Ready Credit Account

Citibank Ready Credit is an overdraft facility offered to select Suvidha Corporate Salary Account holders. To know more about this facility, please click here.

Kindly note: Issuance of Citibank Ready Credit Line and Loan facility is at the sole discretion of the bank and subject to its internal credit processing criteria.

Demat Account & Domestic Mutual Fund Account

Kindly visit the nearest Citibank branch with your identity proof, address proof, pan card and a recent passport size photograph

Fixed Deposit

To book a fixed deposit, please login to Citibank Online and follow the steps below:

Step 1: Click on the 'Investments' option on the top navigation panel

Step 2: Select 'Deposits'

Step 3: Choose 'Book Deposits' and follow the instructions.

Important: In case you hold a joint account with 'Either or Survivor' signature rule, fixed deposits can be booked or closed online only if the Joint holder Deposit Consent Form is updated in the bank records.

Please submit a signed Joint holder Deposit Consent Form at the branch or mail it to - 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

CitiBusiness

For opening a CitiBusiness account, please provide your contact details here and we shall contact you to assist with account opening.

Please submit a Corporate Update form duly filled, at any of our branches or mail it to: 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

You may contact your Human Resource or Payroll department to check the corporate tie-up or to obtain the contact details of our Corporate Relationship Managers.

To convert your savings account into NRO account, kindly submit a signed Rupee Checking Account Opening Form along with the required documents (as mentioned in the form) at the nearest NRI Center or any of the Citibank branches in India.

Please note that, in case you have any one of the additional following accounts linked to your savings account, we request you to contact your nearest NRI Center or Citibank India Branch for further details on the required documentation.

  • Domestic mutual fund account
  • Credit card
  • Employee Re-imbursement Account
  • Ready Credit Account
  • Personal Loan or Home Loan

We are concerned that you wish to close your account and we will be glad if you reconsider your decision. However, in case you wish to proceed with closure, please submit a signed Account closure form, at any of our branches.

Alternatively, you can mail the form to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

Please note that the account will be closed if the below 3 criteria met:

  • Account does not have negative balance
  • There is no active tax saver deposits, DMF, Demat account linked to the savings account
  • There are no funds blocked on the account

You can continue using your linked credit card (if any) post closure of your account.

Service charges are levied on an account for non-maintenance of the required minimum Net Relationship Value (NRV). Monthly fee for non-maintenance of the net monthly relationship value is 1% of shortfall or the applicable service fee whichever is lower. For details on the required minimum NRV, kindly refer the Schedule of Charges of your account.

Example: If your actual average NRV for a month is 1,80,000 and the required NRV is 2,00,000 you will be charged 1% of 20,000 i.e. 200; However, if your NRV is 1,30,000, you will be charged 600 (max. charge limit).

Please note, if your corporate salary account has not received salary credit for three consecutive months, the account gets converted into a Citibanking account wherein the required average NRV is INR one lakh. Please click here for the Schedule of Charges pertaining to a Citibanking Account.

Working example of Average Monthly Net relationship Value

Serial No Holdings Rs Description
a Current / Savings Account 25000 Average for the month , calculated based on total of daily end of day balance/total number of days
b Fixed Deposit 25000 Daily end of day balances of principal amount / total number of days
c Mutual Funds 40000 Daily end of day balances / total number of days
d Loan against securities 25000 Daily end of day balances / total number of days
e Demat Holdings 100000 25% of the Demat average balance. Demat average balance + Sum (non-pledged shares x Market rate)
f Insurance Premium 10000 Sum of total premium paid
g Mortgage/ Home Loan 500000 Outstanding principal amount
  Average Monthly relationship Value 650000 a + b + c + d + 25% x e + f + g

NRV is the total value of the relationship that the customer has with the bank.

NRV doesn't just include the average monthly balance in the savings account, but also includes fixed deposits (FD's), investments & insurance policies taken through Citibank, outstanding principal on Citibank Home Loans and a part of the holdings in your Citibank Demat Account.

Working example of Average Monthly Net relationship Value.

Serial No Holdings Rs Description
a Current / Savings Account 25000 Average for the month , calculated based on total of daily end of day balance/total number of days
b Fixed Deposit 25000 Daily end of day balances of principal amount / total number of days
c Mutual Funds 40000 Daily end of day balances / total number of days
d Loan against securities 25000 Daily end of day balances / total number of days
e Demat Holdings 100000 25% of the Demat average balance. Demat average balance + Sum (non-pledged shares x Market rate)
f Insurance Premium 10000 Sum of total premium paid
g Mortgage/ Home Loan 500000 Outstanding principal amount
Average Monthly relationship Value 650000 a + b + c + d + 25% x e + f + g

For details on the required minimum NRV, kindly refer the Schedule of Charges of your account.

For details of charges applicable on your account, please click on the type of account that you hold.

Please note that the Citibank Suvidha salary account will be converted to a Citibanking account, if salary is not credited for three consecutive months and the revised Schedule of Charges will be applicable. Please click here for the schedule of charges for a Citibanking account.

The annual fee applicable on the ATM/Debit card is as below:

ATM/Debit Card type Annual Fee
Citibank Debit Card - Vanilla Complimentary
Citibank Indian Oil Debit Card Rs 500/- + service tax
Citibank Indian Oil Premium Debit Card Rs 600/- + service tax
Citibank Grocery Debit Card Rs 500/- + service tax
Citibank Shoppers Stop Debit Card Rs 500/- + service tax
Citibanking Platinum card Complimentary (issued only to Citibanking account holders)
Citigold World Debit Card Complimentary (issued only to CitiGold account holders)

A fee of USD 2.5 per transaction will be applicable on international ATM withdrawal. Please note, the exchange rate on the date of debit card usage will be applied. Click here for details of charges applicable on your account.

To view / edit your address / contact number online, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click on 'Your contact details' on the left navigation panel

Step 3: Select 'View/Edit', select the relationship type and click on 'Generate OAC'. The OAC will be sent to your registered mobile number.

Step 4: Select 'Authorise changes', key in your OAC and select submit.

Step 5: Click on 'Edit' against 'Address Details' or 'Mobile Number' and proceed to update your address.

To view / edit your email address online, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Your contact details' on the left navigation panel

Step 3: Select 'View/Edit', select the relationship type and click on 'Generate OAC'. The OAC will be sent to your registered mobile number.

Step 4: Select 'Authorise changes', key in your OAC and select submit.

Step 5: Click on 'Edit' against 'Email Address' and proceed to update your email address

To update your Permanent Account Number (PAN), kindly visit the branch nearest to you with your original PAN card.

You can also send the self-attested copy of your PAN card to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'. Please note, the below 2 conditions apply if the PAN details are updated without verification of the original PAN card at the branch:

  • a) You will not be able to view your Form 26AS
  • b) You will not be able to do any investment transactions

Please check your monthly statement to ascertain whether a nominee has been registered on your account. Please login to Citibank Online and click on 'e-statements' on the left navigational panel to download your account statement.

To add a nominee, kindly fill up the DA1 form

To delete a nominee, kindly fill up the DA2 form

To change the nominee, kindly fill up the DA3 form

Please submit the requisite form duly filled and signed, at the nearest Citibank branch.

Alternatively, you can mail the form to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

To add a joint holder to your account, kindly visit the nearest Citibank branch with the identity proof, address proof and a photograph of the joint account holder. Please note, the account holder and the joint applicant need to be met in person at the branch.

Kindly visit the nearest branch with one of the following documents:

  • Pan Card
  • Passport
  • Voter Id
  • Driving license
  • Aadhaar

If you have legally changed your name, please also provide us with the 'Gazette Order', confirming the name change.

For name change post marriage, please also carry your marriage certificate.

To correct the spelling of your name, please carry Pan Card, Passport, Voter Id, Driving license or Aadhaar

To change your signature, kindly visit the nearest branch and provide a written instruction with proof of your new signature.

Proof of signature includes PAN card, Passport, Driving license and Aadhaar card.

To view your account details like branch name, IFSC code, nominee details, joint holder details, account balance and transaction details please refer to your monthly statements. To download a duplicate statement, please login to Citibank Online and follow the steps below:

Step 1: Select Banking

Step 2: Select 'e-Statements' in the left navigation panel

Step 3: Choose the account number from the option 'View/Print/Download e-Statements'

Step 4: Select the month for which you require the statement to download

You can also click 'View Account Summary' on the left navigation panel for account balance and transaction details.

For debit card reissuance (on lost / stolen / damaged cards), please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'Other Services and Queries' on the left navigation panel

Step 3: Click on 'Reissue card'

Step 4: Choose the card number and proceed to block and reissue the card.

Please note that the ATM PIN (APIN) will be generated automatically and sent to your registered mailing address, as a shipment separate from your reissued debit card.

Your Debit card will be renewed automatically prior to expiry of the existing card. The renewed card will be sent to your registered mailing address. The existing APIN will be applicable on your new ATM card also.

For a photo card, please fill the Debit card issuance form and affix your passport size color photo on the form. Kindly mail the form to 'Citibank N.A., No. 2, Club House Road, Chennai 600 002'.

To request a mandate debit card, please send a signed written instruction to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

Please note that the ATM PIN (APIN) will be generated automatically and sent to the registered mailing address, as a shipment separate from the reissued debit card. Kindly enclose a valid ID and address proof along with the instruction. Valid proofs are PAN card, passport, voter Id, Driving license and Aadhaar card.

Please note the instruction needs to be signed by the account holder and the KYC documents of the mandate needs to be self-attested.

To request a personalized cheque book, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Other Services and Queries' on the left navigation panel

Step 3: Select 'Cheque book'

Step 4: Choose the account for which you need a cheque book and proceed

Alternatively, you can send an SMS in the format CHQBOOK XXXX to 52484, where XXXX represents the last 4 digits of your debit card number. Please ensure that this SMS is sent from your registered mobile number.

The cheque book will be dispatched to the registered mailing address within 1 working day.

To place stop payment on a cheque book or a cheque leaf, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Other Services and Queries' on the left navigation panel

Step 3: Click on 'Stop payment' and follow the instructions

The cheque will immediately be placed under stop payment, if not already presented for payment.

To request a cheque deposit slip, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Other Services and Queries' on the left navigation panel

Step 3: Choose 'Deposit slips'

Step 4: Select the account for which the cheque deposit slip is required and submit your request.

The cheque deposit slip will be dispatched to the registered mailing address within 1 working day.

We send an SMS to the registered mobile number and the registered email ID when an ATM card is dispatched. This SMS carries the Airway Bill Number to track the status of the consignment. You may refer to the website of the respective courier company for the current status.

We send an SMS to the registered mobile number and the registered email ID when a Demand Draft is dispatched. This SMS carries the Airway Bill Number to track the status of the consignment. You may refer to the website of the respective courier company for the current status.

We send an SMS to the registered mobile number and the registered email ID when an ATM card or a Demand Draft is dispatched. This SMS carries the Airway Bill Number to track the status of the consignment. You may refer to the website of the respective courier company for the current status.

Please note the consignment can be dispatched only to an address registered with us or to a Citibank branch of your choice.

To book a demand draft, please login to Citibank Online and choose 'Order Demand Draft' on the left navigation panel and follow the instructions.

The demand draft will be dispatched to the specified address, in 1 working day.

To cancel a demand draft,

  • If original draft available: Please provide the signed cancellation request along with the original draft.
  • If original draft not available:
  1. In case of a first party draft*, please submit a written instruction at the branch nearest to you.
  2. In case of a third party draft, please submit signed Purchaser indemnity form on a stamp paper as per local stamp duty. In addition a Beneficiary Acknowledgement for stop payment needs to be signed by the third party in whose favour the draft has been issued. The signature of the beneficiary should be attested by bankers to beneficiary/Notary public. The purchaser indemnity can be signed as per signature rule updated in your account.

If the instrument is lost at your end in transit, a certificate from courier / postmaster should be obtained stating that the said instrument is misplaced in transit.

*First party is defined as demand drafts purchased by customer in own name.

To request a new ATM PIN (APIN), please login to Citibank Online and follow the steps below:

Step 1:Select 'Banking'

Step 2: Click 'PIN related' on the left navigation panel

Step 3: Select 'Request ATM PIN'

Step 4: Select the appropriate card number and proceed

The APIN will be sent to the registered mailing address within 1 working day.

Note: When a debit card is reissued, new APIN will be generated automatically and sent to your registered mailing address, as a shipment separate from your reissued debit card. However, when a debit card is renewed due to expiry the APIN does not change and remains the same.

To request a new Telephone PIN (TPIN), please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'PIN related' on the left navigation panel

Step 3: Select 'Telephone PIN'

Step 4: Select the appropriate card number and proceed.

The TPIN will be sent to the registered mailing address within 1 working day.

To change your Internet PIN (IPIN), please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'PIN related' in the left navigation panel

Step 3: Choose the 'Internet PIN' option and follow the online instructions

If you have forgotten your IPIN, please click here to reset the same. You will be requested to input your ATM/Debit card number, CVV and Date of Birth to create a new IPIN instantly.

As per the 'Know Your Customer' guidelines issued by the Reserve Bank of India (RBI), a valid proof of address is required to be submitted for every change of mailing address.

Once the address is updated, you will receive a message in the 'Notifications' tab requesting you to upload the address proof. You can use one of the below options to submit your address proof:

a) Click on the 'Notifications' link and upload a copy of your signed address proof, mentioning your account number vide Citibank Online.

b) Walk-in to the branch nearest to you and submit the document

c) Send the document to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'

Please click here for the list of faqs.

Below is the list of acceptable address proof documents:

  • Valid Passport/Driver's License/ Voter's ID Card/ Aadhaar Card
  • Utility bill not more than 3 months old with name and address (Landline Telephone Bill, Mobile Bill, Electricity Bill, Water or Gas Bill)
  • Registered Lease Deeds, Registered Leave and License Deed, Registered Rent Agreement Copy in your name
  • Bank account statement from a Scheduled Commercial bank, printed on bank's letter head, not more than 3 months old, sealed and signed by existing banker.

The Reserve Bank of India vide their circular on Know Your Customer (KYC) Norms / Anti-Money Laundering (AML) Standards / Combating of Financing of Terrorism (CFT) dated February 18, 2008 and guidelines issued thereafter, has advised banks to periodically update the customer identification data.

The periodicity would vary from customer to customer or categories of accounts depending on the bank's perception of risk. Hence, for compliance, we would require the KYC documents periodically.

To update your Permanent Account Number (PAN), kindly visit the branch nearest to you with your original PAN card.

You can also send the self-attested copy of your PAN card to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'. Please note, the below 2 conditions apply if the PAN details are updated without verification of the original PAN card at the branch:

a) You will not be able to view your Form 26AS

b) You will not be able to do any investment transactions

To update your Aadhaar number in your account, kindly visit the Citibank branch nearest to you, with your original Aadhaar card. The Aadhaar number will be updated in 5-7 working days. You will receive an SMS/email confirmation upon update.

To link your Citibank credit card to your Citibank savings account, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Other Services and Queries' on the left navigation panel.

Step 3: Select 'Link my accounts' and follow the instructions.

The credit card will be linked to your account within two working days if name, date of birth and address match in both. Once your accounts are linked, you will see the linked card account number on your account summary page. In case we are unable to link your credit card to your savings account, we shall intimate you vide an email to your registered email ID.

Please note that your credit card will be linked to your savings account in two working days if the name, date of birth and address in both the accounts match. Once your accounts are linked, you will see the linked card account number on your account summary page. In case we are unable to link your credit card to your savings account, we shall intimate you vide an email to your registered email ID.

Reward points can be checked on the account statement. To download your account statement, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'e-Statements' on the left navigation panel

Step 3: Choose the account number from the option 'View/Print/Download e-Statements'

Step 4: Select the month for which you require the statement to download

Please note the points that you have earned in the current month will reflect in the statement of subsequent month.

You will earn banking reward points for the below transactions:

Transaction Banking Reward Points
Execution of Standing Instruction (SI) for a Citibank Credit Card payment, loan payments or systematic investment plan (SIP) 5 Reward points
Bill Payment on Citibank Online 5 Reward Points
First login to Citi Mobile within 60 days of account opening. 50 Reward Points
First fund transfer via Immediate Payment Service (IMPS), within 60 days of account opening. 50 Reward Points

Please click here for details on purchase reward points.

Each reward point will be worth Re.1 and you can redeem reward points for cash credit to your account. You will need a minimum of 250 reward points (1500 for Citibanking Platinum debit card) for redemption. Reward points can be redeemed in multiples of 50 only.

Each reward point will be worth Re.1 and you can redeem reward points for cash credit to your account. You will need a minimum of 250 reward points (1500 for Citibanking Platinum debit card) for redemption. Reward points can be redeemed in multiples of 50 only.

To redeem the reward points, SMS REDEEM <Last 4 digits of your debit card number> <Number of points to redeem> to 52484. Please ensure to send this SMS from your registered mobile number.

You can also contact CitiPhone or write to us to redeem the reward points.

If you earn less than 250 reward points in a membership year, the reward points will lapse every membership year of your debit card.

Your reward points will be valid for a year and unredeemed points will lapse every card membership year.

'A card membership year will begin from the 1st of the expiry month on your debit card. For example, if your debit card is valid till Jun-2019, then your card membership anniversary will be on 01-Jun of every year'.

If you have earned more than 250 reward points in a membership year, they will be carried forward for one more year.

'The Citibank Platinum Debit Card reward points are evergreen and do not lapse. A minimum of 1500 reward points are required for redemption'.

The credit from an IMPS transaction is settled with the beneficiary instantly. Please note in certain instances the IMPS transactions may fail due to technical issues at the remitting bank, intermediary or beneficiary bank. Please contact us post 5 working days in case the funds are not credited to the beneficiary or not credited back to your account.

If your account has been debited despite an unsuccessful mobile/DTH recharge, please bear with us for 4 working days. Please contact us after 4 working days, if the payment is not credited to mobile/ DTH account or funds are not returned to your account.

Please note that the funds will be credited back to your account, if the NEFT / RTGS fails due to any technical issue. Please contact us if the funds are not credited back to your account in 1 working day.

If your account has not been credited back automatically for void/cancelled transactions, please write to us at retail.dox.india@citi.com with the void slip* or confirmation from the merchant, to claim the refund.

Please note that this email id is meant only to receive supporting documents for certain set of queries. We regret that we would not be able to process any other request(s) received on this e-mail address.

*You can obtain the void slip from the merchant with whom the transaction was carried out.

If you have attempted to withdraw cash from an ATM and money is not dispensed/ partially dispensed, please click here to report to us immediately.

Please click here to contact us and place a request to block your card immediately in case you receive an alert for a transaction that you have not initiated or if you notice an unauthorized transaction in your account statement.

You can also block your card online by following the steps below:

Step 1: Select 'Banking'

Step 2: Select 'Other Services and Queries' on the left navigation panel

Step 3: Click on 'Report lost/stolen card/Reissue card'

Step 4: Choose the card number and proceed to block and reissue the card

Please note that the ATM PIN (APIN) will be generated automatically and sent to your registered mailing address, as a shipment separate from your reissued debit card.

Your IFSC code, MICR code, branch name and address are available on your monthly statement and Cheque book. To download a duplicate statement, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'e-Statements' on the left navigation panel

Step 3: Choose the account number from the option 'View/Print/Download e-Statements'

Step 4: Select the month for which you require the statement to download

In case you know the branch where your account was opened, please click here for the list of IFSC codes. For MICR codes, please click here

SWIFT code for Citibank India is CITIINBX

To add a payee, please login to Citibank Online and select 'Transfer funds' in the left navigation panel

You can transfer funds to another Citibank account or to any other bank account. Please choose the appropriate option in this page and click on 'Add New Payee'. Please input the beneficiary account details to register the payee.

Once the payee is registered, you can transfer up to Rs 30,000/- immediately and after a cool-off period of 24hrs (excluding holidays), you can transact up to the limits specified below. We send you an email which confirms the exact time up to which the said restriction (of Rs 30000) will be applicable.

Type of Account Daily Transaction limit
CitiGold 50 lakhs (inclusive of all transactions)
Citibanking 15 lakhs (inclusive of all transactions)
Suvidha Corporate 15 lakhs (inclusive of all transactions)

Please note that payee must be added separately for NEFT/IMPS and RTGS transfers.

To understand the requirements for transferring funds abroad, kindly visit the branch nearest to you as the documents required vary basis the purpose of remittance.

According to FEMA regulation, the purpose of remittance must be specified in the wire transfer message, to receive funds from an overseas account. If the purpose of remittance is not specified, we will send you an alert from the email ID CitiAlert.India@citicorp.com, requesting to confirm the same in 48 hours, for us to process your transaction.

Kindly note that in the absence of valid purpose information, we will not be able to process the transaction and will be constrained to return the funds to the remitting bank.

Please note that it may take upto 48-72 hours to credit the funds into your account after receiving the response from your registered email id.

If you have neither received the funds, nor the alert, please contact us with the telex copy of the remittance (available with the remitter or remitting bank), for us to trace the funds.

Outward remittance:

Please click here for details on charges applicable on outward remittance.

Inward remittance:

No charges are levied by Citibank India on inward remittances. Your account gets credited for the amount received from the remitting bank. However, there may be charges levied by the remitting bank or intermediary bank, details of which you may kindly check with the remitter.

Citibank ready credit is an overdraft facility offered to select Suvidha Corporate Salary Account holders. To know more about this facility, please click here.

Please click here for the schedule of charges applicable on a Ready Credit Account.

Citibank ready credit is an overdraft facility offered to select Suvidha Corporate Salary Account holders. Please click here to check the eligibility criteria. To apply for a Ready Credit Account, please click here.

Please note: Issuance of the Citibank Ready Credit facility is at the discretion of the Bank and subject to its internal approval criteria.

Your Ready Credit Account will be opened in 7 working days from the date of application. Once the account is opened, your account number will reflect on your Citibank Online Account summary page. However, the limit will be assigned to you post the subsequent salary credit.

Your Ready Credit account will automatically be closed in case we are unable to extend a limit to your account. We would also send an email / letter confirming the reason to your registered email ID / mailing address

Please note: Issuance of the Citibank Ready Credit facility is at the discretion of the Bank and subject to its internal approval criteria.

There are several options for making payments to your Ready Credit Account:

  • Fund transfer vide Citibank Online, Citi Mobile, NEFT, RTGS
  • Cheque/Demand Draft deposit at Citibank ATMs
  • Sending Cheque or Draft by post / courier to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

Please note,

  • The monthly minimum payment of 5% of your outstanding balance will be deducted from your linked savings account on the date of salary credit
  • The interest on your total usage will be deducted from your linked savings account on 1st of every month. In case there is no usage of the facility, there will be no interest payable.

We review the limit assigned to you on an annual basis and whenever you are eligible for an increased limit, we inform you vide an email and Citibank Online. Please login to Citibank Online and visit the 'Inbox' section on top of the page, to view and accept the offer for Credit Limit Increase.

Kindly note, we may reduce the credit limit if there is a decrease in salary or change in your credit history.

To close the Ready Credit facility, kindly use one of the below options

  • Contact our 24x7 CitiPhone helpline
  • Write to us through the 'Your Queries' link
  • Send a signed written instruction mentioning your 10-digit Ready Credit account number to Citibank N.A, Mail Room No 2, Club House Road, Chennai 600 002.

Please note: Any outstanding amount on the account needs to be paid prior to closure of the Ready Credit account.

Please click here for our current deposit interest rates.

The Interest rate offered on a savings account is 4% per annum. The interest amount is credited to your savings account on 30th of September and 31st of March every year.

To book a fixed deposit, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click on the 'Other Services and Queries' on the left navigation panel

Step 3: Choose 'Book Deposits' and follow the instructions.

Important: In case you hold a joint account with 'Either or Survivor' signature rule, fixed deposits can be booked or closed online only if the Joint Holder Deposit Consent form is updated in the bank records.

Please submit a signed Joint holder Deposit Consent Form at the branch or mail it to - 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

To update your Permanent Account Number (PAN), kindly visit the branch nearest to you with your original PAN card.

You can also send the self-attested copy of your PAN card to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'. Please note, the below 2 conditions apply if the PAN details are updated without verification of the original PAN card at the branch:

  • a) You will not be able to view your Form 26AS
  • b) You will not be able to do any investment transactions

To close a deposit, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click on the 'Investments' option on the top navigation panel

Step 2: Select 'Close Deposit' option under 'Deposits' and proceed.

Important: In case you hold a joint account with 'Either or Survivor' signature rule, fixed deposits can be booked or closed online only if the Joint Holder Deposit Consent form is updated in the bank records.

Please submit a signed Joint holder Deposit Consent Form at the branch or mail it to - 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

Penal interest is applicable on pre-mature withdrawal of deposits. The interest rate applicable on the withdrawn amount shall be lower of:

  1. 1% less than the interest rate at which the deposit was booked

    Or

  2. 1% less than the interest rate corresponding to the period for which the withdrawn amount has been maintained

For example, let us consider the case of a principal amount of Rs 1,000 booked as a deposit for a period of one year at an interest rate of 9.5%.

If a premature withdrawal of this amount is made in the 6th month, and the 6 month deposit rate is 6.5%, then the rate of interest applicable for this deposit will be the lower of

  1. 9.5%-1%=8.5%

    or

  2. 6.5%-1%= 5.5%

ie 5.5%

The principal and maturity amount remains the same in case you have chosen the simple interest method, as the interest will be paid out on a quarterly basis. However, if you have chosen the compound interest method, the interest gets accrued / added to the principal and the maturity amount includes the interest as well.

If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted at Source) will be applicable. The maturity amount will be credited to your account post deduction of TDS.

The TDS certificate will be sent to your registered mailing address on a quarterly basis. Generally, the certificates are sent in July, October, January and May.

If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted at Source) will be applicable. The maturity amount will be credited to your account post deduction of TDS.

The TDS certificate will be sent to your registered mailing address on a quarterly basis. Generally, the certificates are sent in July, October, January and May.

To update form 15 G / form 15 H, please fill 3 copies of the form in original and submit at any of the Citibank branches. To download the forms, please click here.

E-challan for the tax remitted through Citibank online, will be mailed to you in 3 working days. The same will be sent to the email address specified at the time of remittance.

In case you observe any discrepancy in your e-challan (if you have chosen an incorrect assessment year or paid incorrect amount), kindly contact the Income Tax department to claim a refund.

To open an Investment Services Account, please visit the Citibank branch with an ID proof, address proof, photograph and your PAN card.

To invest in Mutual Funds through Citibank, you need an Investment Services Account (ISA) with us. To open an ISA, please submit your KYC documents (self-attested copies of PAN card, address proof, and the KYC form) at the nearest branch.

Once your account is opened, please login to Citibank Online and complete your Risk Profiling to ascertain your risk appetite. You can start executing investments once your KYC is verified and risk profiling is completed.

For your first investment, you may fill in the Common Transaction Form and submit it at the nearest branch for processing. Subsequent transactions to the same Asset Management Company (AMC) can be executed on Citibank Online.

If your account is assigned with a Relationship Manager, kindly contact him/her and submit the filled in Common Transaction Form. To view the contact details of your Relationship Manager, please login to Citibank Online and follow the steps below:

Step 1: Click on 'Home' tab on the top navigation panel

Step 2: Click 'Contact' under Relationship Manager

To redeem your mutual fund, please follow the steps below:-

Step 1: Click 'Investments' on the top navigation panel

Step 2: Click on 'Redeem Mutual Funds' and follow the onscreen instructions

Please note that the time taken for redemption proceeds to be credited to your account, differs between different categories of Mutual funds. Generally, redemption proceeds are credited in three to four working days from the date of redemption.

To register for ECS, please fill in the Mandate form and mail it to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'.

Please note that ECS will be effective in 5 days from the date of receipt of the ECS form, if all the documents are in order. We will contact you at your registered mobile number if we are unable to process your instruction for any discrepancies in the documents.

Once an ECS is registered on your account, we will send you an SMS, email and letter alert.

Once an ECS is registered on your account, we will send you an SMS, email and letter alert.

Instances where the ECS is routed through an intermediary (eg, Tech Process or IndiaIdeas), the alert would carry the name of the intermediary and not the Service Provider. We regret to inform that we currently do not have a provision to include the name of the service provider for such instances.

To cancel an ECS, kindly instruct the service provider. You may place stop payment on an ECS through any one of the following ways:

  • Contact our 24x7 CitiPhone Helpline
  • Send a written instruction specifying your account number, name of the service provider and the utility code to Citibank N.A, Mail Room, No 2, Club House Road, Chennai 600 002
  • Submit a written instruction at the Citibank branch nearest to you
  • Write to us through Citibank Online

Please note, if one ECS Stop Payment is placed, all the other ECS payments registered under that particular utility code will be stopped too.

You can register for Standing Instruction through Citibank Online for the following:

Step 1: Click on 'Order demand draft' on the left navigation panel and select 'Register New Beneficiary'.

Step 2: Select the beneficiary options available on this screen and follow the on-screen instructions.

Step 3: Please input the address and contact details.

Step 4: Authorize the transaction by inputting the OAC received on your registered mobile number

Step 5: Select 'Draw a DD Now' and key in the amount

Step 6: Select 'I wish to place recurring payment instruction for this transfer' and follow the instructions.

To register a Standing Instruction to an existing payee, please follow the below steps:

Step 1: Click 'Order demand draft' on the left navigation panel

Step 2: Select 'Set Recurring DD request' against the registered payee and follow the onscreen instructions

Step 1: Click on 'Transfer Funds' on the left navigation panel

Step 2: Select 'Add New Payee' and input the account number

Step 3: Authorize the payee by inputting the OAC received on your registered mobile number

Step 4: Select 'Make Payment Now' and key in the amount

Step 5: Select 'I wish to place recurring payment instruction for this transfer' and follow the instructions.

To register a Standing Instruction to an existing payee, please follow the steps below:

Step 1: Select 'Transfer funds' on the left navigation panel

Step 2: Select 'Set Recurring DD request' against the registered payee and follow the onscreen instructions

To register a new biller, please follow the steps below:

Step 1: Click 'Bill Pay' on the left navigation panel

Step 2: Select 'Register new biller'

Step 3: Select the utility bills that you wish to pay and submit the instruction.

Please note, the bill pay facility will be activated post confirmation / verification from the biller.

Step 1: Click on 'Bill Pay' on the left navigation panel,

Step 2: Select 'Register new biller' and choose the location from the drop down.

Step 3: Select 'Mutual Fund' from the next drop down and choose the exact fund which you wish to invest in and follow the onscreen instructions.

Step 1: Click on 'Pay credit card bill' on the left navigation panel and select 'Register Now'

Step 2: Input the credit card number towards which you would like to make a recurring payment and follow the onscreen instructions.

Please note, only Citibank, SBI and AMEX credit card payment can be done vide this option.

Please login to Citibank Online and select 'Standing Instructions' on the left navigation panel to view / edit / cancel the standing instructions registered on your account.

You can pay your electricity bill, mobile and telephone bill, SIP and insurance premium through 'Bill Pay'.

To view the list of billers, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'Bill Pay' on the left navigation panel

Step 3: Choose 'Register new biller'

Step 4: Please click on 'View All Billers' and choose your city for the exhaustive list of billers

To register a new biller, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Bill Pay' on the left navigation panel

Step 2: Select 'Register new biller'

Step 3: Select the utility bills that you wish to pay and submit the instruction.

Please note, the bill pay facility will be activated post confirmation / verification from the biller.

To view the list of billers, please login to Citibank Online and follow the below procedure

Step 1: Select 'Banking'

Step 2: Select 'Bill Pay' on the left navigation panel

Step 3: Choose 'Register new biller'

Step 4: Please click on 'View All Billers' and choose your city for the exhaustive list of billers

To register a new biller, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Bill Pay' on the left navigation panel

Step 3: Select 'Register new biller'

Step 4: Select the utility bills that you wish to pay and submit the instruction.

Please note, the bill pay facility will be activated post confirmation / verification from the biller.

To view / modify / de-register your utility bill payments online, please login to Citibank Online and follow the below steps below:

Step 1: Select 'Banking'

Step 2: Click 'Bill Pay' on the left navigation panel

Step 3: Select 'Pay/Manage bills' and follow the instructions.

To recharge your Mobile / DTH, kindly login to Citibank Online and click 'Mobile / DTH recharge' on the left navigation panel and proceed with the onscreen instructions.

If your account has been debited though your mobile / DTH recharge has been unsuccessful, we request you to bear with us as completion of the transaction may take upto 4 working days.

We request you to contact us after 4 working days, if the payment has neither been credited to the mobile / DTH account, nor credited back to your account.

To request a duplicate statement carrying account number and mailing address, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'Other Services and Queries' on the left navigation panel

Step 2: Select 'Duplicate statement' and input the required duration.

Step 3: Choose the option 'Email ID with statement carrying address and account details in clear' from the options given.

The duplicate PDF statement will be sent to your Email ID within 24 hours. The password to open the statement will be sent to your registered mobile number.

To download a duplicate statement, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Select 'e-Statements' in the left navigation panel

Step 3: Choose the account number from the option 'View/Print/Download e-Statements' and proceed

To register for 'Statement on email', please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click 'e-Statements' on the left navigation panel

Step 3: Select 'Account Number from the drop down under option 'Register now for e-Statements & Go Green !' and proceed.

The Balance, Address and Transaction details are available on your monthly statements. To request a duplicate statement, please click 'Other Services and Queries' on the left navigation panel and select 'Request duplicate statement' and input the required duration.

If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted at Source) will be applicable. The maturity amount will be credited to your account post deduction of TDS.

The TDS certificate will be sent to your registered mailing address on a quarterly basis. Generally, the certificates are sent in July, October, January and May.

For every Tax saver deposit booked, you will receive a deposit advice within 2 working days. In case you wish to receive a duplicate Tax Saver deposit advice, please write to us or contact CitiPhone.

To update your Aadhaar number in your account, kindly visit the nearest Citibank branch with your original Aadhaar card. The Aadhaar number will be updated in 5-7 working days. You will also receive an SMS/email confirmation upon update.

In case you hold an Aadhaar card, kindly visit the Citibank branch nearest to you, with your original Aadhaar card. The Aadhaar number will be updated in 5-7 working days. You will receive an SMS/email confirmation upon update. Please also link your Aadhaar number with the LPG service distributor.

In case you do not hold an Aadhaar card, you can opt for either of the below options to receive subsidy.

Option 1: Submit bank account details to the LPG distributor vide Form 4 which is available with the LPG distributor.

Option 2: Submit LPG details to the bank vide Form 3 which is available at our branches.

If you have not received your subsidy despite updating the above mentioned details, please contact your LPG distributor. For further information, please visit www.mylpg.in

If you have received incorrect subsidy amount, please contact your LPG service provider. For further information, please visit www.mylpg.in

To change your user ID, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking'

Step 2: Click on 'Other Services and Queries' on the left navigation panel

Step 3: Select 'Change User ID' and input the User ID of your choice.

iPhone and Android phone users can download the Citi Mobile App from App Store and Android Market respectively. You may also download the application by sending an SMS in the format 'SMS MBANK' to '52484'.

Please note, users with Windows OS can visit the mobile version of our website at m.citibank.co.in and fulfill their banking needs.

Please click here for further details on mobile banking functionalities.

Your branch name, address, IFSC and MICR code are also available on your monthly statement and Cheque book. To download a duplicate statement, please login to Citibank Online and follow the steps below:

Step 1: Select 'e-Statements' in the left navigation panel

Step 2: Choose the account number from the option 'View/Print/Download e-Statements'

Step 3: Select the month for which you require the statement to download

In case you know the branch where your account was opened, please click here for the list of IFSC codes. For MICR codes, please click here

To locate the nearest branch and for details like branch address, contact number and timings, please click here

To locate the nearest branch and for details like branch address, contact number and timings, please click here

In case you have an existing Citibank account, and wish to know your branch details (address, IFSC and MICR code), you can view the same on your monthly statement and Cheque book. To download a duplicate statement instantly, please login to Citibank Online and follow the steps below:

Step 1: Select 'e-Statements' in the left navigation panel

Step 2: Choose the account number from the option 'View/Print/Download e-Statements' and proceed with the onscreen instructions.

To view the contact details of your Relationship Manager, please login to Citibank Online and follow the steps below:

Step 1: Click on 'Home' tab on the top navigation panel

Step 2: Click 'contact' under 'Relationship Manager'

If you are a Citibank customer, please provide your details here to place your account under DND

In case you do not have a Citibank relationship, please provide your details here to place your account under DND.

To view / modify alerts on email or SMS, please login to Citibank Online, select 'Banking' and click 'Citialert' on the left navigation panel and follow the onscreen instructions.

To open a Demat account with us, please visit our branch nearest to you with your original PAN card, photograph, ID proof and address proof. Please click here for details, benefits and charges applicable on a Demat account

You will receive a monthly statement from NSDL and an annual statement from Citibank.

To transfer shares from your Citibank Demat account, kindly walk in to the nearest branch and submit the below documents:

  • Annexure L if the transferee account is with a Depository Participant affiliated to NSDL.
  • Annexure N if the transferee account is with a Depository Participant affiliated to CDSL.

To ascertain if the transferee Demat account is with a Depository Participant affiliated to NSDL or CDSL, please visit their respective websites.

To transfer shares vide Citibank Online, please walk in to the branch nearest to you and provide a Power Of Attorney (POA) to Citibank to execute share transfers. Please note, online share transfer can be done only if the transferee account is with a Depository Participant affiliated to NSDL

The Annexure L and Annexure N booklets would have been dispatched to you at the time of Demat account opening.

In case the booklet is lost, stolen or misplaced, kindly send a written instruction signed by all the holders with the reason for requisition (book has been misplaced, etc.) to the nearest Citibank branch or mail it to 'Citibank N.A, Mail Room, No.2, Club House Road, Chennai - 600 002'. Please enclose your transaction statement (attested by you) along with this request.

Dematerialization is the process of conversion of physical share certificates into electronic form. To dematerialize your shares, please walk-in to our branch nearest to you and submit the Original Share Certificates along with a written instruction.

Dematerialization will take approximately two to four weeks depending on the time taken by the company / their Registrar & Transfer agent.

Loans

Click on    to expand and on    to minimize the details.

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 Click2Call form 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:

CAT A Corporate Employees

Net Take Home Salary (Monthly) Applicable Interest Rate
Up to Rs.40,000 15.00% p.a. - 15.50% p.a.
Rs.40,000 - Rs.80,000 14.50% p.a. - 15.00% p.a.
Rs.80,000 - Rs.1,25,000 14.25% p.a. - 14.50% p.a.
>Rs.1,25,000 Lakhs 13.50% p.a. - 14.25% p.a.

CAT B Corporate Employees

Net Take Home Salary (Monthly) Applicable Interest Rate
Up to Rs.40,000 15.50% p.a. - 15.75% p.a.
Rs.40,000 - Rs.80,000 15.25% p.a. - 15.50% p.a.
>Rs.80,000 14.75% p.a. - 15.25% p.a.

Other Corporate Employees

Net Take Home Salary (Monthly) Applicable Interest Rate
Up to Rs.40,000 17.00% p.a. - 18.00% p.a.
Rs.40,000 - Rs.80,000 16.50% p.a. - 17.00% p.a.
>Rs.80,000 16.00% p.a. - 16.50% p.a.

Self Employed Applicants

Net Take Home Salary (Monthly) Applicable Interest Rate
Up to Rs.80,000 19.00% p.a. - 20.00% p.a.
>Rs.80,000 16.00% p.a. - 19.00% p.a.

Note: The above pricing grid is subject to periodic review. The final pricing, while remaining within the range mentioned above, will be based on your income, loan amount, loan tenure, Citibank’s internal credit parameters and the applicable rates at the specific time.

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.

  • The first EMI would commence from the second succeeding month. For example, the EMIs for a loan booked in the month of January, would begin from 1st March. Interest due for the month of booking will be deducted at the time of disbursal. Since the interest is deducted upfront for the month of booking, a discount will be given on this interest which will be proportionate to the number of days remaining in 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 five times of their net monthly take home salary (up to a maximum of Rs5 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 online form, or call up CitiPhone and ask for this facility.

  • Instant access to the assigned overdraft line ( upto Rs5 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 (only at stores displaying the Maestro logo).
  3. Funds transfer can be done through CitiPhone or CBOL (Citibank Online)

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 one salary credit, the Ready Credit line automatically gets set to up to 5 times of the net monthly 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 Rs10,000 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

Click on    to expand and on    to minimize the details.

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.

Login to your account and in the investments section, view 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

Click on    to expand and on    to minimize the details.

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.

Your password expires if it is not used for more than 6 months for security purposes. In case you have not used your password for 6 months, you should regenerate a new password online and use the same to access your account.

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.