CITIBANKING ACCOUNT

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, a personal banker, 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
  • Never-expiring Reward Points redeemable for cash and airmiles on the Citibank Platinum Debit Card
Benefits

Get a complimentary Citibank Platinum Debit Card:

  • Free ATM cash withdrawal around the world.1
  • 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.

Never-expiring Reward Points on the Citibank Platinum Debit Card:

  • Get 1% cash back on spends at shopping outlets.2
    • Enjoy paying less for everything - get Rs.1 back for every Rs.100 spent.
  • 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.
  • A Personal Banker, and 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.

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.
Features

Flexibility

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

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

Complimentary access to airport lounges^

Enjoy complimentary access to participating airport lounges in India. Relax in the welcoming environment. Enjoy the gourmet meal, beverages, Wi-Fi, and more. For airport lounge locations, click here.

Debit Card Privileges^

Hospitality Get 10% booking savings on leading hotels worldwide on hotels.com.
Entertainment Get two tickets for the price of one on www.bookmyshow.com.
Clothing & Accessories

Get 10% off on a minimum purchase of Rs100 at www.starcj.com.

Valid till Dec 31, 2014.

Hair Products & Cosmetics Get Rs.200 off on every Rs.1,000 purchase on Purplle.com.
Travel

Get 5% off on all return flights across all classes of Emirates across India.

Valid till Aug 15, 2014.

Get 25% off on all Chauffeur Drive bookings with Avis Car Rental.

Valid till 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.

Citibank World Privileges

Enjoy over 25,000 offers and privileges in India and over 30 other countries all year long - on travel, hotels, shopping, entertainment, spas, golf and much more.

Click here to view the offers.

  • Citibank Home Loan Application fee waiver on Online Application
  • Buy Health Insurance Online and save a transaction fee of Rs.195!*

Disclaimers:

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 Insurance products are obligations only of the Insurance company. They are not bank deposits or obligations of or guaranteed by Citibank N.A, Citigroup Inc. or any of its affiliates or subsidiaries or any Governmental agency. All Claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. Insurance is the subject matter of solicitation. 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. Investment products are not available to US persons, Residents of Canada and may not be available in all jurisdictions.

*IRS Circular 230 Disclosure: Citigroup Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup Inc. and its affiliates. This email and any attachments are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank is a licensed Corporate Agent of Birla Sun Life Insurance Company Limited and Royal Sundaram Alliance Insurance Company Limited under the composite license number 1137144. Life Insurance policies are underwritten by Birla Sun Life Insurance Co Ltd. with its registered office at One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013, Reg. No. 109.

For more details on risk factors, Terms and conditions please read the sales brochure carefully before concluding the sale.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Birla Sun Life Insurance, Policy Name and Investment Funds are only the names of the Company, Policy, and Investment Funds offered respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns.

SECTION 41 OF THE INSURANCE ACT 1938 PROHIBITION OF REBATES

  1. No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing the Policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.
  2. If any person fails to comply with regulation above he shall be liable to payment of fine, which may extend to Rs500.

Data and research provided by CRISIL. This performance analysis is based on the framework and methodology developed by CRISIL for Citibank. It is presumed that, CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or completeness of the information and is not responsible for any errors or omissions or for the results obtained from the use of such information. CRISIL is not responsible for any errors in data reproduction. CRISIL especially states that it has no financial liability whatsoever to the subscribers/ users/ transmitters/ distributors of this analysis.

Crisil.com is not responsible for any errors in data reproduction. Crisil.com especially states that it has no financial liability whatsoever to the subscribers/users/transmitters/distributors of this analysis.

Citibank N.A., states that: This document is for informational purposes only and is not intended as an offer or an invitation to anyone for the purchase and sale of any security.

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.

Investment Disclaimers:

Investment products do not pertain to Citibank and are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup Inc. or any of its affiliates or subsidiaries. Investment products are not insured by any governmental agency and 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.

Citibank N.A. may discuss with you ('customer/investor') about investment products (shortly referred as 'investment products') which are in line with your investor rating as maintained with us. Investment products are referred/distributed by Citibank N.A. on a non -discretionary and non-participation basis. Such discussion would be a service without any consideration by Citibank to the Investor and the final investment decision shall at all times exclusively remain with the investor.

Investor investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. 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 read 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/responsibility/liability for 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).

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 www.citibank.com/india.

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.

+For terms & conditions related to BookMyShow.com offer, please click on the link https://www.online.citibank.co.in/portal/newgen/seo/banking/images/terms-conditions.pdf

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.