Citibanking® Savings Account.

My Money. My Way.

Citibanking Savings Account. My Money. My Way.

Enjoy the convenience of a world-class savings account with a host of premium privileges. Get complimentary access to airport lounges, a host of complimentary banking services, and benefits that make a banking relationship truly rewarding.

Citibanking Account

Citibanking® Account

Top reasons to open a Citibanking® Savings Account

  • Enjoy zero withdrawal charges at ATMs worldwide1
  • Zero fees on a host of banking services
  • Earn Reward Points on your Citibank Platinum Debit Card spends, redeemable for cash or airmiles

Get a complimentary Citibank Platinum Debit Card:

  • Free ATM cash withdrawal around the world1.
  • High daily spend and withdrawal limit of up to Rs.1 Lakh.
  • Convenience of cashless payments, online as well as in-store, around the world.

Get rewarded when you spend on your Citibank Platinum Debit Card:

  • Earn 1 reward point for every Rs.100 spent and redeem as cash or airmiles.
  • Get 2X air miles on Jet Airways and Air India.2
    • If you are a Frequent Flyer program member of one or both airlines, enjoy the added benefit of earning 2X air miles for every Rs.100 spent.
  • Attractive welcome privileges on a range of lifestyle products and services.
    Refer to the CITIBANK PRIVILEGES section for details.

Enjoy value based benefits with your account, including:

  • Zero fee on a wide range of banking services.
    For the complete list of complimentary services that you can enjoy, refer to the FEATURES tab.
  • Use of in-depth research3 reports for smarter financial planning.4
  • Account-related assistance within 20 seconds or less when you call our 24x7 CitiPhone helpline.5
  • Emergency Cash Advance of up to US $1000, if your Debit Card is lost or stolen while in a foreign country.6
  • Secure online access to over 100 types of account transactions on the easy-to-use, Citibank Online banking platform.
  • Experience total control over your account, on the go, with Citi Mobile.
  • Instant fund transfer and receipt through SMS or Mobile Banking.
  • Flexible relationship options
    • Citibanking requires you to maintain a minimum relationship value of Rs.2,00,000 with us. However, you can spread that amount any way you want - options include investment products such as, Insurance, Home Loans, and Demat Account. It's your money. It's your choice.


Service Access on the go
  • Citibank Online
  • Mobile & SMS Banking
  • CitiPhone Banking
  • Branch Banking
Minimum Relationship Value The average monthly relationship value requirement for this account is Rs.2,00,000 which includes balances across Savings, Term Deposits, Investments, Insurance, Outstanding principal on Home Loan and Citibank Demat Account.
CitiAlerts Track your account activity with free SMS & E-mail alerts.
Statement Options E-Statements or by regular post, as per your choice.


Interest Rate 4% per annum
Interest Calculated Daily
Interest Paid Half yearly

Transactional Benefits

Debit Card payments at Fuel Stations Zero transaction fee at Citibank affiliated IndianOil outlets.
Withdrawals and balance enquiry at ATMs (in India and Overseas1) Complimentary
NEFT/RTGS Transactions Complimentary
Demand Drafts Issuance and Cancellation Complimentary
Cheque book Replacement Complimentary
Duplicate Statements Complimentary
Stop Payment Complimentary
Foreign Currency Draft Issuance and Cancellation Complimentary
Outstation and Foreign Currency Cheque Collections Complimentary
Signature Verification Complimentary
Platinum Debit Card Complimentary
Replacement Debit Card Complimentary
Citibank Privileges

Debit Card Privileges^

Merchant Partner Offer Details Validity
Entertainment Book 2 tickets on and save Rs100. Click here to know more. Dec 31, 2015
Hospitality Save 10% off the best available rates at participating 'Price Match Guarantee' hotels. Visit and use the discount code "MASTERCARD". Dec 31, 2015
Clothing & Accessories Tanya Rossi Flat 15% Off on Tanya Rossi @ all leading departmental stores. July 31, 2015
Travel AVIS Get 25% off on all Chauffeur Drive bookings. Jan 13, 2017

Citibank Privileges^

Dining Privileges

Get up to 20% savings on your dining bills at over 2,000 restaurants.

To find a Citibank partner restaurant near you, click here.

Shopping Privileges

Get special shopping offers and other attractive deals on your Citibank Card across hundreds of Citibank preferred merchants.

To find a store in your city, click here.

Preferential Banking

Preferential Banking

Citibank Rewards Card

Citibank Rewards Card

  • Earn 10X Rewards everyday with Citibank Rewards Credit Card.
  • 10X Rewards8 every day for your spends at apparel & department stores and a range of featured partners.
  • Over 700 redemption options across shopping, travel, entertainment and more.

Special Offer

  • Enjoy up to 4,000 bonus Reward Points upon activation* when you sign up for the Citibank Rewards Credit Card along with the Citibanking Account.

Loan Benefits

  • Get Personal Loan of up to Rs15 Lakh, in just 48 hours!7
  • Citibank Home Loans up to Rs10 Crore with flexible repayment Loan tenor as high as 25 years.7

Don't just bank your money. Grow it4

  • Simple online tools to identify your financial goals and help you develop your own financial plan.
  • Choose from a wide range of investment options - Mutual Funds, Bonds, Structured Notes, Portfolio Management Services4, Private Equity4 and Real Estate Funds4.
  • Now invest in equities with the Citi 3-in-1 Account from Citi Wealth Advisors. Make informed decisions backed by world class research from Citi Investment Research Analysis9.
  • Citibank Home Loan Application fee waiver on Online Application
  • Buy Health Insurance Online and save a transaction fee of Rs.195!*


Account opening is subject to Citibank Terms and conditions and applicable RBI guidelines.

This account is applicable for clients earning net monthly income of Rs.1 Lakh and above and working in companies that have a tie-up with Citibank Suvidha or can be opened with an initial cheque value of Rs.2 Lakh.

1Citibank will not levy any charge on cash withdrawals done overseas at any ATM although, please note other banks may charge fees for usage of their ATMs, which will be borne by the Account holder.

2Redemption of Reward Points:

  • Minimum number of Reward Points required to redeem airlines = 500 Reward Points.
  • Minimum number of Reward Points required to get Cash Back = 1,500 Reward Points
  • You need to call 24x7 CitiPhone to redeem your Reward Points. Please quote the correct frequent flyer number, for airmiles redemption

3 Citibank N.A. provides no independent research or advice in the substance or preparation of the reports. The reports are provided for general information only and nothing contained in the reports constitutes a recommendation for the purchase or sale of any security. Although the statements of fact in this report are obtained from sources that Citibank N.A. consider reliable, we do not guarantee their accuracy and any such information may be incomplete or condensed.

4 Citibank N.A. provides investment services as a distributor of third party Investment products (shortly referred as ‘investment products’). Citibank N.A. does NOT provide investment advisory services in any manner or form. Investment products do not pertain to Citibank. Investment Products(i) are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup, Inc or any of its affiliates or subsidiaries; (ii) are not insured by any governmental agency and (iii) are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices/invested sum is subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the Investor after analyzing all possible risk factors and by exercise of his/her/its independent discretion and Citibank N.A shall not be liable or held liable for any consequences thereof.

Investment products are not available to US persons, Residents of Canada and may not be available in all jurisdictions. By making any investment, you confirm your deemed acceptance to the conditions mentioned herein.

Investment products are distributed by Citibank N.A. on a non -discretionary and non participation basis. The final investment decision shall at all times exclusively remain with the investor.

Investor investing in investment products acknowledge that: (i) the third party product provider may invest in products denominated in non-local currency; (ii) there could be risk of exchange rate fluctuations, which may result in loss of principal or erosion of value of investment . This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Please exercise diligence by reading & understanding the Key Information Memorandum(s)/Scheme Investment Document(s) & Statement of Additional Information/Term Sheet/Prospectus carefully before investing and no claim whatsoever shall be made against Citibank N.A. any of its affiliates or subsidiaries and / or employees claiming any influence/recommendation/advice/responsibility/liability as against your decision to invest in any investment product.

Investor should ensure to understand, accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). Investor acknowledges that, there may be various actual or potential conflicts of interest between Citibank N.A. India, Citigroup Capital Markets Ltd., Citigroup Inc. or their affiliates or subsidiaries (collectively “Connected Persons”) and that of an investor itself , as a result of the various investment and/or commercial businesses and/or activities of the Connected Persons. You are deemed to accept, on purchasing/ subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s).

Citibank N.A. provides no independent research or analysis in the substance or preparation of this report. The information in this report has been obtained from reports issued by Citigroup Global Markets and Citigroup Investment Research. Such information is based upon sources Citigroup Global Markets (CGM) / Citigroup Investment Research (CIR) believe to be reliable. CGM and / or Citibank N.A., however, do not guarantee its accuracy and it may be incomplete or condensed. All opinions and estimates constitute CGM's view as of the date of report and are subject to change without notice. This report / presentation is provided for general information only and nothing contained in the material constitutes a recommendation for the purchase or sale of any security and/or currency. As a prerequisite condition for arriving at a decision to invest, any investor considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

5More than 90% of the calls are answered in 20 seconds or less. Answer time is measured from the time customers select the option to speak to the CitiPhone officer. Without taking on any liability for the same, Citibank, N.A, will make best efforts to answer your call within the answer time indicated above. In some cases or situations, the answer time indicated above may not be met. In such cases or situations, Citibank, N.A. will make best efforts to answer your call within the shortest time possible.

6List of participating countries:

  • Argentina*
  • Bahrain*
  • Belgium*
  • Brazil*
  • Chile
  • China*
  • Columbia*
  • Egypt*
  • Greece*
  • Guam*
  • Hong Kong
  • Hungary*
  • India*
  • Indonesia*
  • IPB (Miami, NY, San Francisco)
  • Japan
  • Korea*
  • Macau
  • Malaysia*
  • Maxico*
  • Peru*
  • Philipines*
  • Poland*
  • Singapore
  • Spain*
  • CzechRepublic*
  • Taiwan
  • Thailand*
  • Turkey*
  • UAE*
  • UK*
  • Uruguay
  • USA*
  • Venezuela*
  • Vietnam

+A charge of $25 may be levied by certain Citibank branches for emergency cash assistance services. As per the extant FEMA regulations.

7Terms and conditions Apply. Subject to Citibank approval criteria.

Citibank Home Loans & Personal Loans - Terms and conditions apply. All loans are at the sole discretion of Citibank, N.A. Citibank reserves the right to ask for any additional documents from the applicant/borrower. Citibank reserves the right, at anytime, with notice, to add/alter/ modify/change or vary any of the Terms and conditions or to replace, wholly or in part. All products/facilities mentioned in this booklet are subject to Citibank Terms and conditions. Home loans are subject to necessary RBI and other local approvals.

Citibank Personal Loan - Terms and conditions Apply. Timelines mentioned include only working days.

Timelines mentioned, if any, would commence once the entire documentation as per Citibank's requirements are submitted by the applicant. Subject to Citibank approval criteria. For detailed Terms and conditions, please refer

8The 10X points accrue on spends till Rs7,000 (or 560 points) per month in Apparel & Department stores. For spends beyond this, earn 1 point per Rs125. Identification of Apparel and Department Stores are based on MCCs (Merchant Category Codes) allotted by Visa and MasterCard.

Please allow upto 45 days post issuance of Citibank Rewards Credit Card, for crediting the bonus Reward Points.

9Citi Wealth Advisors is a retail business unit of Citigroup Global Markets India Pvt. Ltd (CGM). CGM and Citibank, N.A., are separate and distinct legal entities. This document only serves to make the reader aware of products and services available from Citi Wealth Advisors in CGM. This document does not constitute the distribution of any information, or the making of any offer, or a solicitation by anyone in any jurisdiction including in which such distribution, offer or solicitation is not authorized or to any person to whom it is unlawful to distribute information or make an offer or solicitation. Investments made through Citi Wealth Advisors in CGM, are not bank deposits or obligations or assurances of or guaranteed by Citibank, N.A., Citigroup Inc., or any of their respective affiliates or subsidiaries, are not insured including by any governmental agency, and are subject to investment risks, and market risks, including but not limited to the possible loss of the principal amount invested. Citi Wealth Advisors' products/services are available subject to applicable laws and regulations, only to Resident Indians in select cities in India and to Non Resident Indians in select markets, and are not available to US persons.

^These services are offered on referral and/or arrangement basis only through tie-up with respective service providers. It is to be noted that Citibank, N.A. is not making any of these Offers to you on its own, and that Citibank, N.A. holds no warranty & is not representative of the delivery, service, suitability or quality of any of the Offers or any products and/or services made available to you under any of the Offers. Any disputes regarding the delivery, service, suitability or quality of any of the Offers and/or products/services made available to you under any of the Offers must be addressed in writing, by you directly to the participating merchant establishment and Citibank, N.A. will not entertain any communication in this regard.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone® is a trademark of Apple Inc. AndroidTM is a trademark of Google Inc.

Citibank and Arc Design are service marks of Citibank, N.A., or Citigroup Inc., used and registered throughout the world.

Registration Numbers: NSE- INB/INF 231141335, BSE- INB/INF 011141331 Depository Participant Number: IN-DP-NSDL-268-2006 DP ID for NSDL: IN303245.