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Citibank issued its first credit card in the year 1990 in India. It was the first bank to launch Credit Card in India. Since then it has been issuing Credit Cards to suit the individual's needs. It designs the credit cards to meet the niche customers requirements. In 2003, Citibank had a market share of 35 percent in terms of allocating. During 2014, it announced its plans to increase the credit card portfolio with the launch of two lifestyle products namely – Citi Prestige and Citi Ultima Infinite. These cards were designed to cater to the discerning needs of the global Indian.

List of CitiBank Credit Cards

Citi MasterPass Digital Wallet India

In 2015, Citibank and MasterCard together launched Citi MasterPass, a global digital wallet in India, designed to cater to the debit and credit card users to accommodate to shop at more than 2,50,000 e-commerce merchants located in India as well as abroad with safe, simple and quick online payment experience. In the same year of 2015, the number of credit card users of Citibank grew and accounted for around 2.41 million.

It stood at the fourth position for the largest number of credit cards in India.

About Citibank

Citibank India is an Indian private sector bank. It is headquartered in Mumbai, Maharashtra. It is a subsidiary of Citigroup, a multinational financial service provider, which is headquartered in New York, United States of America.

The Citibank was established in 1902 in Calcutta, West Bengal. The bank has a long history in India. Presently, Citigroup is the owner of Citibank India. It has its presence in 19 cities with 35 full-service bank branches and more than 500 ATMs across the country.

The global corporate and investment banking firm provides a range of financial services which includes cash management and trade services, securities custodianship, foreign exchange, fixed income, equities sales, trading and corporate finance to corporate clients, governments and financial institutions.

In retail banking, it offers credit cards, auto loan facilities, mortgages, personal loans, investment services for the customers.

It currently has 12,500 employees in India.

Features of Citibank Credit Card

The following are the features of the Citibank Credit Card:

No Annual Fee – Citibank offers a wide range of credit cards to its valued customers who need not have to pay any kind of annual fee on a yearly basis. This facility is spread across a range of cards that the bank offers to its customers.

Go Cashless – With the introduction of a credit card, the need to carry physical cash has diminished. The credit card has reduced the hassles of carrying cash everywhere. A smart digitized credit card is enough to pay all the bills ranging from shopping, groceries, fuel, travel, movies and the list goes on.

Internet Banking – Citibank’s Credit Card information pertaining to accounts of both the current and previous months can be viewed and obtained from the internet banking system. One can also check the payment status, monthly statement and it also helps the user to pay the dues on bills using an online payment gateway. The user can also request for the duplicate PIN, change the address of communication, can also order for the draft facility, and so on.

Rewards – The credit card offered by the Citibank comes with a range of offers for the benefits of customers. One such offer rewards, with Citibank’s credit card, the customer can accumulate reward points and the same can be redeemed against a host of options. The cardholder can visit the rewards category of the bank in the respective web portal and can choose from the diverse reward redemption options like books, apparel, accessories, travel, hotels, apparel, entertainment and so on.

Reward points earned from some of the Citibank’s credit card will never expire, so one can make use of them judiciously.

Benefits of Citibank Credit Card

The following are the benefits of using Citibank Credit Card

1. Save on Fuel Bills – An individual who uses Citibank’s credit card can earn Turbo Points during every purchase of fuel. When the card is used in any of the Indian Oil outlets across the country for the purchase of fuel then it will fetch more points.

2. Waiver of Annual Fee – Any customer who uses Citibank’s credit card has an opportunity wherein his/her annual fee on the credit card will be waived off if at least Rs 30,000 is spent on an annual basis.

3. Insurance – Some of the bank’s credit card provides insurance coverage to frequent fliers apart from a cover on the lost card’s liability. The bank also provides Air Accident Insurance apart from Overseas medical insurance to its customer base.

4.Universal Recognition – Citibank is a multinational bank that has its presence in many countries across the globe. Credit Cards issued by Citibank are universally accepted and it aids for cashless buying across millions of merchant locations present the world.

Citibank Virtual Credit Card

Virtual Credit Cards are a set of digital or virtual numbers that you can generate to use for online transactions. This is a handy option if you don't want to reveal the details of your actual credit card. Citibank provides virtual credit card numbers, for eligible cards. 

Benefits of having a Citi Virtual Credit Card.

The key benefits of Citibank Virtual Credit Cards are:

Secure and hassle-free online shopping: Your virtual card can be used online platforms in a secure way. In case there is a data loss or fraudulent transactions you can block your virtual card without affecting your real credit card. That is an outstanding method for securing your credit card.  

Set spending limits: You can also set a credit limit on your virtual credit card, which means that this is the maximum spending amount limit you can spend through your virtual card.

Convenience: As there is no physical form of Citi Virtual Credit Card, you can save the details of your virtual card on your mobile phone to make it handy on your go. 

CitiAlert Service for Citibank Credit Cards

CitiAlert allows you to maintain track of your Citi savings account, transactions of your credit cards, investments and more through daily updates. Get regular updates via SMS or email for all the activities related to your account. So it’s now time to stay updated round the clock even on the go. 

Why use CitiAlert service?

Spam detection: By enabling fraud detection you can monitor all transactions in your account

Alerts and reminders: Alerts you of the dates of your payment dues and bill payments

Stay updated: Keep yourself updated of all Account / Card transactions

Citibank Credit Card benefits under CitiAlert Service

Alert for payment due date: This reminder is addressed to you 2 days before the due date of your payment. This reminds you of the Gross Due Amount and Minimum Due Amount.

Alert for Mini statement: Every time a statement is generated you will get this notification. It will record the Total Amount Due, Minimum Amount Due and Due Date of Payment.

Alert for payment confirmation: When Citibank accepts your credit card payment you will receive this notification.

How to get started?

CitiAlert is only available for Consumers with a valid e-mail ID and Mobile Number registered in the system. In order to modify and update your email address and mobile number you need to sign in to www.citibank.com/india using your IPIN and enroll for important alerts as per your needs. Below listed are some alerts that you can register for:

Cheque Status Alert: This reminder is generated when a Cheque Debit/Credit issued under your Savings/Current Account.

Investment Alerts: In case of any Investment subscription/Redemption and Portfolio occurred you will get alerts in your register mobile number and email for the same.

Citibank Credit Card Apply

A customer can apply for Citibank’s credit card either through offline or online mode. By submitting the required documents along with the filled in application form, an individual can get access to the bank’s credit card after final securing approval from bank authorities.

How To Apply for Citibank’s Credit Card Offline?

A prospective customer can apply for a Citibank’s Credit Card via offline by visiting the nearest branch of the Citibank and expressing the interest to secure a Credit Card of his/her choice as per the requirements. The prospective customer has to fill up the required application form with all the necessary details including name, date of birth, income, personal information and so on. If they meet the eligibility criteria as pre-decided by the bank, their application will be taken forward.

How To Apply for Citibank’s Credit Card Online?

An applicant can visit the official web portal of Citibank and click on the Credit Cards which appears on the left-hand side of the page.

Go through all the Credit Cards which the bank offers to its valued customers, zero in on one of the credit cards, which suits your needs and requirements. Once the card is selected now proceed to fill in the application form.

Enter all the details as required on the application form

• Email ID:

• Mobile Number

• Do you have a Citibank Savings Account

• Personal Data

* Name

* Date of Birth

* PAN

* Nationality

• Professional Details

* Profession

* Company Name

* Designation

• Address for Communication

• Preferred mailing address: Office or Residence

After filling up all the required fields submit the application online and on receipt of your application, the bank will examine the credibility of the information provided in the application form. Based on the eligibility criteria of the applicant, the bank will decide whether the applicant has to receive a credit card or not.

Eligibility Criteria to apply for Citibank’s Credit Card

• Prospective Applicant should be in the age group of 18 to 70 years.

• Applicant should have a permanent monthly income.

• Should have a good CIBIL score.

• Applicant should be a resident of India or a Non-Resident Indian.

Documents Required for Applying for Citibank’s Credit Card

you need to submit some documents which will serve as a basis for the bank to decide if you will be eligible for the requested card and also to determine the credit limit on your card.

Proof of identity: PAN card, Aadhaar card, driver's license, passport, voter card, foreign citizen card from India, person card of Indian origin, work card issued by NREGA, letters issued by UIDAI.
Proof of address: Aadhaar card, driving license, passport, utility bill less than 3 months old, ration card, registration document, Indian person card, work card issued by NREGA, account statement banking.
Proof of income: Last or last two payslips (less than 3 months old), form 16, bank statement for the last 3 months.

Why choose Citibank’s Credit Card?

Citibank’s credit cards offer the best reward schemes to its valuable customers. It has a unique feature of having an international presence and recognition. The cards are designed to meet varied day to day needs of the customers. People usually prefer to use a credit card, because it is affordable and simple to use and also beneficial for your financial health. It also helps you save money while building your credit score with amazing reward benefits for all your purchase. Just like that, Citi credit cards come with unique functionality to fit your specific desire. But why should you choose Citibank Credit Card as your financial partner? Let's have a look. 

Best Reward Points

Citibank’s credit cards provide reward points during every purchase and the same can be redeemed for securing vouchers, special deals and at some of the merchandise.

Insurance Benefits

Most of the Citibank’s credit cards comes with insurance coverage in case of any unforeseen events. It includes travel accident coverage, health insurance, and lost luggage insurance.

An assortment of Credit Cards

Citibank has designed a Credit Card by keeping in mind different types of customers and their personal requisites. There is a card for each and every segment of niche customers. One can choose from the available options which best suit their needs.

Diverse categories
With a range of seven different credit cards, Citibank offers you to choose the best fit as per your financial needs. For instance, if you love to travel you can pick Citi PremierMiles Credit Card, which enables you to experience complimentary airport lounge service, air-accident insurance benefits and accelerated air miles that can be redeemed against the frequent flier program of major airlines. Similarly, you can save your money with First Citizen Citi credit card while you're shopping. Get amazing deals and offers for shopping and set your outfit as you want. You can take a fuel credit card, a rewards credit card or a cashback credit card depending on your needs to enhance your savings.

Additional steps to enhance the security features of your Citibank credit card

The following further steps have been taken by Citibank to improve the security standards on their credit cards:

  • All issued cards are EMV Chip and PIN Cards which allow you to enter a PIN for your transactions and withdrawals of cash. Please keep the PIN confidential, and do not share it with anyone.
  • Some countries have not transitioned to card platform EMV Chip + PIN. Your EMV Chip + PIN card will operate in those countries by swiping the card along the magnetic strip in the device that approves the card.
  • You have an option to enable / disable the international usage of your Citibank Credit Card and also you can set up your transactions limit. Please notice that for security purposes, international usage and online purchases are limited on your Citi Credit Card by default. By logging into Citibank Online or Citi Mobile App can enable the same as per your convenience. 
  • Alerts for purchases made on your card will be sent to your registered mobile number and email id. For any confirmation about your card, you may contact the 24 X 7 helpline number.  
  • For transactions up to Rs. 2000 in India you can easily tap-and-pay at merchant terminals without entering your card PIN. Use the card by tapping or swiping with pin and/or signature for payments over Rs. 2000 on the merchant terminals. 

Compare Citibank Credit Cards

Credit cards provide broad benefits that satisfy different forms of financial and lifestyle standards. This is why it is important to pick a perfect credit card that suits your spending category. Picking an ideal credit card not only helps you to save more but also brings enhanced perks to your lifestyle. Each Citi Credit Card comes with unique benefits, best in class privileges, reward points, cashback, that enhance your various spending patterns. You can choose from all kinds of credit cards starting from shopping, dining, travelling, entertainment, cashback, fuel, lifestyle and more. The complete range of Citi Credit Cards along with their perks are listed below.

Easily compare credit cards online and make a smart choice, based on credit card features like:

  • Air miles & travel privileges
  • Reward points
  • Cashback
  • Cashback on fuel purchases
  • Deals, offers and savings on everyday expenses

You can compare the credit cards in just 3 steps with the Citi credit card comparison tool.

  • Go to the compare credit card page of Citibank and pick the credit card category from the table that you want to view or compare.
  • Now click on ‘VIEW’ to compare the features of your selected categories such as welcome offers, rewards, fees & charges & special privileges.
  • You can also click on the ‘COMPARE ALL’ option if you want to compare all the credit card categories at once. 

Citibank Add-on Credit Cards

Shopping expectations vary in each family, from individual to individual. Add-on or supplementary credit cards were implemented to meet specific buying desires within a household. The add-on credit cards are the additional credit cards, which are issued to the family members of the primary cardholder. Citibank provides its primary cardholders a range of add-on credit cards to simplify their shopping experience. The add-on cards are loaded with range of benefits and rewards. 

You can avail add-on credit card for your:

  • Spouse
  • Children (Above 18 years of age)
  • Siblings
  • Parents
  • Parents-in-law
  • Brother / Sister-in-law
  • Son / Daughter-in-law

Eligibility criteria for Citibank Add-on Credit Cards

  • In order to access an add-on credit card, the applicant has to meet the following eligibility criteria.
  • Add-on cardmember must have a minimum age of 18 years
  • Primary cardholders must allow for the issuance of an add-on credit card for his/her family members.

Documents required to apply for Citibank Add-on Credit Cards

  • Citibank requires an individual to submit the following documents to avail a Citibank add-on credit card.
  • Duly filled Citibank add-on credit card application form by the applicant.
  • Self-attested copies of date of birth proof, Aadhaar card/voter ID card/driving license/passport of the applicant. 
  • Recent passport size colour photograph of the applicant.

Key points you must know about Citibank Add-on Credit Cards

  • Add-on cards can be provided for only one of the following relations: parent / spouse / child / brother / sister / father-in - law / mother-in - law / son-in - law / brother-in - law / sister-in - law
  • Credit Card issuance is at the issuer's own discretion, which is subject to the internal acceptance standards of the bank.
  • The supplementary cardholder must reside at the same address as the primary cardholder
  • Up to 5 add-on cards can be issued at no additional cost
  • The add-on card will have a standard credit cap along with the primary card and there will be one consolidated statement for both primary and add-on card purchases
  • Citibank add-on credit cards can be used for shopping both in India and overseas, but the international payment facility is only enabled for the primary cardholder
  • The primary card bears the waiver limit on fuel surcharge on the add-on card.
  • Tracking of expenditure made on add-on credit cards is convenient for primary cardholders.
  • Citibank add-on credit cardholders can accumulate loyalty points and air miles which can be redeemed against amazing discounts.

Process to apply for Citibank Add-on Credit Cards

The method to receive a Citibank credit card add-on is easy. Go through the below-listed ways in order to apply.

  • One need to log on to www.online.citibank.co.in submit the details such as primary credit card number, name of the primary cardholder and registered mobile number of the primary cardholder. After submitting the above details a bank representative will get in touch with you instantly in order to proceed further.
  • An applicant can also apply for Citibank Add-on Credit Cards via SMS. He / She need to type ADDON and send it to 52484 from their registered mobile number. In case of an Airtel/Vodafone/Idea/Aircel user, one needs to send the same SMS to 09880752484.  

What is Cash Limit?

A portion of the credit limit assigned to your credit card account can be used for withdrawing cash. This is called as “Cash Limit” the assigned Credit limit is inclusive of the cash limit.

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

How to Handle Errors in a Citibank Credit Card Statement?

The credit cardholders of a Citibank identify the expenses that have not been made by them, he/she must bring it to the attention of their bank managers. Here, we have mentioned how a Citibank credit card holder can correct a detected error in their credit card statement:

Inform the payment merchants:

A Citibank credit card holder can speak to the merchant and inform them of the discrepancy that was identified in the declaration. 
If the merchant corrects the error, cardholders can sort out the problem without having to involve bank officials. However, if the problem persists, the individual should raise the matter with the banking authorities.

Keep your documents handy and up-to-date:

To support the cardholders' claim against the wrong transaction, the Citibank credit card holder will need to keep a record of receipts, credit card statement and any documents substantial which would help them to prove that the mentioned transaction is not correct.

Complain to the creditor:

Another option that is available to cardholders is to send a letter to the creditor's service outlining their objection and providing all of the evidence necessary to highlight the error in the statement. This will require the ministry to conduct billing-related inquiries.

How do I check the balance on my Citibank credit card?

You can forget about keeping a tab on your available credit card balance while you are busy shopping. In the process, you can further increase the available credit limit. This requires knowing firstly, the available balance in hand. How will you know? Simply log into your Citibank net bank account, go to "Account Summary", then "Choose Credit Cards" and choose a specific card for which you want to know the balance.

You can get a summary of the balance as well as the total outstanding on a particular date. Alternatively, you can send an SMS by typing CARDBAL followed by a space and the last four digits of your credit card number from the registered mobile number. Last but not least, you can call customer service 24/7 to find out as much.

Process to check Citibank Credit Card balance through net banking

Citibank online banking enables credit cardholders to get a net banking platform that helps them to access credit cards to their comfort. To view the credit card details online, all new credit card users must generate a net banking account via the bank's site. On registration of the account, customers will be issued with a user ID and IPIN (Internet password). Using this credential cardholders can access their credit card account digitally right from their comfort. Once you generate the net banking credentials, follow the below-mentioned process to know the outstanding balance of your Citibank Credit Card. 

  • Visit the Citibank net banking page and enter your User ID and IPIN to log in.
  • Now under the homepage, click on Credit Card’ tab
  • Select the credit card for which you want to know the outstanding balance.
  • Now click on 'View account summary'
  • Then a summary of the account appears in which you can check the balance of your credit card account. In case you want to check the balance of other credit cards, go back to the homepage, select the credit card and follow the same process. 

Check Citibank Credit Card Balance via SMS

By using your registered mobile number you can check your Citibank Credit Card Balance just by sending an SMS in the below listed format.

SMS CARDBAL to 52484 (For Vodafone / Aircel / Idea users)

SMS CARDBAL to +919880752484 (For other telecom users)

Check your Citibank Credit Card Balance via Customer Care Number

You can also call to the 24x7 helpline numbers of the bank check your your credit card balance.Just dial

1860 210 2484 (For Indian users)

+91 22 4955 2484 (For overseas users)

Check Citibank Credit Card balance by visiting a branch

You can also visit your nearest bank branch to check your credit card balance. This might be really helpful if you are a new user of Citibank Credit Card, as you can know more details from the bank representatives regarding balance check, such as how to check credit card balance via SMS, mobile app, net banking etc. 

Process to close Citibank Credit Card account

To close your credit card account you can get in touch with the 24x7 CitiPhone Banking service or else you can also write to: Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004.

Points to keep on mind:

  • Once your credit card account is closed, any outstanding loan approved on the same account will be pre-closed and the remaining principal and all related charges will be added on your credit card account.
  • You must redeem your accumulated reward points within 45 days of the card closure date. You can redeem the reward point against amazing gift vouchers listed in the rewards catalogue or against your card outstanding.

Process to reactivate the closed Citibank Credit Card 

To reactivate your closed card write to P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002 and attach all the related documents along with your passport size photograph. Below listed are the documents required to reactivate a card.

  • Adhaar card
  • Voter's ID
  • Driving license
  • PAN card
  • Passport

The above documents can also be sent at retail.dox.india@citi.com. By approval of the mentioned documents, your request for re-activation will be processed. The action to reactivate a card account will be taken after thorough consideration of the Bank's existing protocols and operational procedures and will be undertaken at the sole discretion by the Citibank.

Citibank Credit Card PIN Generation

You have to trigger the card after you collect your Citibank Credit Card by obtaining the PIN. Your card shall be unlocked and ready to use once the PIN has been configured successfully. Below given are the different process to generate Citibank Credit Card PIN. Scroll down and get to know about all the process and steps.

Citibank Credit Card PIN Generation via Net Banking Account

  • Visit the Citibank Credit Card site and Log in with your net banking account
  • Go to credit card options and click on Change PIN.
  • Now you will get an OTP from the bank on your registered mobile number.
  • Enter the OTP on the requited section and click on Continue to proceed further.
  • Now create the PIN of your choice and Re-enter the same on the required section
  • Now you will see a successful message on the screen and you will get the same on your registered mobile number.

Citibank Credit Card PIN Generation via ATM

  • Go to the nearest Citibank ATM and insert your credit card to start the process.
  • On the next page enter your existing credit card PIN.
  • Now tap on Change PIN option
  • Now you will get an OTP from the bank on your registered mobile number.
  • Enter the OTP on the requited section and click on Submit to proceed further.
  • Create the 4-digit PIN of your choice and Re-enter the same on the required section
  • Now you will get a successful message on your registered mobile number.

Citibank Credit Card PIN Generation via IVRS (Interactive Voice Response System)

To change or generate a new PIN, get in touch with the bank’s IVRS 

  • Call to the helpline number: 1860 210 2484/022 4955 2484.
  • Now provide your credit card number and select 'PIN Change'
  • Now provide your date of birth and you will get an OTP on your registered mobile number.
  • Enter the OTP and once it is verified by the customer care representative you can generate a new PIN.

Safety Measures for Citibank Credit Card PIN

Keeping your credit card PIN secure from any fraudulent activities is really essential. The credit card PIN must be kept confidential so that the credit card has no possibilities for any fraudulent activity. Below are a few important precautions that you can follow to secure your Credit Card PIN:

  • Confirm that the monthly credit card statements are checked very carefully each time so that if there is any variance it is instantly raised to the bank's notice.
  • Keep your credit card PIN, email, SMS, mobile number always confidential. Don't share or save all this at any merchant's website or offline shops.
  • To stop card skimming and duplicating with skimming tools, always swipe the card yourself and never handover the card to any vendor or shopkeeper to swipe for your purchase. 
  • Always go through secure websites for online purchases. Those which start with "https" are generally considered secure and authenticated websites.

Citibank Credit Card Payment

The users of Citi Credit Card can choose from an array of options to pay the credit card bills. They are 

Citibank Online – Standing Instruction: The Citibank online credit card payment option helps the users to set up a standing instruction to pay either minimum amount due or total amount due. 

Citi Mobile: The Citi Mobile is also one of the most convenient payment options to make a payment towards the Citibank credit card. It is one of the simple methods used to pay credit card bills and is done using the mobile phone. Visit the m.citibank.co.in to pay the credit card bills using your mobile phone. 

Individuals who opt to pay Citi Credit Card Bill can do so using other bank accounts through any one of the below – mentioned methods:

RTGS: Under this system, payments initiated by customers before cut – off will be credited to the card account before the end of the same business day. Funds request transfer before 4:30 pm on weekdays and on working Saturdays will be credited on the same day. Funds request transfer which is raised post 4:30 pm on non-working days will be credited on the following working day. 

Citi Samsung Pay

Citi credit card has collaborated with Samsung Pay Feature, the world's smart and fastest way of payment. Samsung Pay is a convenient and easier to use mobile payment platform that can be used to make purchases almost everywhere. By utilizing new technologies like Magnetic Secure Transmission (MST) and Near Field Communication (NFC), Samsung Pay allows users to pay with Citi Credit Cards using your Samsung Smartphone. Presently Samsung Pay only supports in-store payments and can not be used in online transactions. Users nothing to do more just update your Samsung Smartphone to the latest android version and get automatically Samsung Pay feature in your mobile. Samsung Pay provides an easy, safe and convenient payment service that does not allow your wallet to be checked. Samsung Pay allows checkout quick and easy by using your qualifying device to make secure one-touch transactions.

Eligible Devices

  • Samsung Galaxy A series
  • Samsung Galaxy S series
  • Samsung Galaxy Note Series
  • Samsung Galaxy Tab Series
  • Samsung Galaxy J series

Which Citi Cards are eligible for Samsung Pay?

  • Citi Reward Credit Card
  • Citi Premier Miles Credit Card
  • Citi Cash Back Credit Card
  • Citi Prestige Credit Card
  • Citi Rewards Domestic Card
  • Citi Ultima Credit Card
  • Indian Oil Citi Credit Card
  • First Citizen Citi Credit Card
  • Indian Oil CitiBusiness Card
  • CitiBusiness Credit Card

Features of Citi Samsung Pay

  • An applicant can add Citi Credit Card on up to 4 Samsung Devices
  • You can use the Samsung Pay feature virtually everywhere just with a tap to complete the transaction.
  • Samsung Pay, however, will not operate with card readers where the inserting of your card into the reader is mandatory.
  • Almost all merchants are able to accept Samsung Pay through NFC or MST consoles, rendering Samsung Pay a widely accepted mobile payment platform on the market.
  • Samsung Pay also involves domestic and international merchants.
  • Samsung Pay provides Samsung KNOX technology to secure your payment.
  • Applicants are able to view the last 10 transactions made with Samsung Pay on your Citi Credit Card.
  • Applicants are enable to receive reward points if any transaction made with Samsung Pay.

What is a Device Card number?

Your actual credit card number will never be saved on the device or revealed to the seller for heightened security. Alternatively, the credit card number will be substituted by a different virtual number (I.e Device Card number, accessible on the left part of the card in Samsung Pay screen and in the main app when displaying your approved Citi Cards) any time you add a new card to your mobile. The device card number will then be forwarded to the retailers instead of the actual purchase card number.

If the transaction is was made using Samsung Pay, your transaction history on your monthly statement or CitiBank Account will display the last 4 digits of the consequent device card number instead of your physical card number.

How to start Samsung Pay?

  • Sign into Samsung Pay with your Samsung Pay Account.
  • Setup your Samsung Pay PIN or Fingerprint, this will be used for all your Samsung Pay purchases.
  • You will be asked to check your fingerprint through Samsung Pay. You will then be asked to create a Samsung Pay PIN.
  • Now you are done with Samsung Pay setup and you can add your Citi Credit Card.

How to Add Citi Credit Card on Samsung Pay?

  • Open Samsung Pay app on your Samsung device and select “Add Card”
  • Place your card on a flat surface.
  • Scan your Citi Credit Card using Samsung Pay to read the card number or you can add your card details manually.
  • Carefully read the Terms and Conditions and accept it.
  • Citi review the request to add the Citi Credit Card to Samsung Pay and ensure security for your account.
  • To complete registration you must complete the verification process which include Call to Bank and SMS.
  • If you select the Call Bank option to complete the verification you will need to dial CitiPhone Helpline Number +18602102484.
  • If you select the SMS process an OTP will be delivered to your registered mobile number which you will need to enter to complete the verification process.
  • When the authentication process is completed and accepted, the Samsung Pay App will show a photo of your credit card and now you are eligible to use Samsung Pay.

How to use Samsung Pay in-store purchases?

  • Swipe up from the bottom of the screen to open Samsung Pay.
  • Swipe left or right to select Citi Credit Card from which you want to pay.
  • To authorize the transaction verify with your fingerprint or 4-digit Samsung Pay PIN.
  • If the merchant has an NFC reader, just tap your phone on the NFC reader to complete the transaction.
  • If the merchant is using Non-NFC system, place your mobile next to the magstripe swipe slot within the 5cm range and authenticate via your Citi Credit Card APIN for domestic purchases.

Citibank Credit Card NEFT Payment

Since you know that Citibank offers various methods of payment via credit card, you can also pay your credit card charges through NEFT (National Electronic Fund Transfer). NEFT helps you to pay through your bank account details. The payment is done instantly with some appliable charges. The procedure for making Citibank credit card payments through NEFT is provided below.

Add your Citibank credit card as an NEFT payee to your non-Citibank account and trigger payment

While adding a payee please look through the following details

  • Payee Name : Name of the payee as it appears on your Citibank Credit Card
  • Bank Name : Citibank N.A
  • Payment Account Type : Select Any Account Type
  • IFSC Code : CITI0000003 (Customers residing in any City can initiate a payment using CHENNAI IFSC code)
  • Branch Address : CHENNAI (Customers residing in any City can initiate a payment using CHENNAI as branch address)
  • Now make the payment to the card through NEFT
  • The payment must be done before 05:30 P.M on weekdays and working
  • Fund transfer made on non-working days will get executed on the mentioned working days

Citibank Credit Card Payment via E-Pay

There are two methods to use E-Pay with other bank accounts, on the website of Citibank and through the website of other banks.

By Citibank

  • Visit the Citibank net banking portal and select the 'E-pay' option.
  • Now provide your credit card number and transaction amount
  • Now select the bank account from which you want to make the payment
  • Now log in to your net banking account using the credentials
  • Now authenticate the details and confirm your payment
  • Once it is done it will take two working days to be credited on your account.

By Other Bank

  • Visit the net banking portal of your bank and your Citibank Card as a biller
  • Now follow the further instructions to complete the payment
  • Note that only some banks, namely HDFC Bank, Yes Bank, ING Vysya Bank, IndusInd Bank, and State Bank of India have this option available.
  • The processing time of the transaction varies from bank to bank.

Citibank Credit Card Bill Desk

Citibank Credit Card Bill Desk is an online bill paying platform to address the problem of most of us when it comes to paying bills. It also helps through the online medium potential for better arranging and handling our bills while minimizing the shortcomings in conventional bill payment systems.

Features of Citibank Credit Card Bill Desk

  • The 24x7 bill desk portal allows you to pay for your Citibank Credit Card bill with any device no matter where you are.
  • You can monitor the status of all current bills and payments with Citibank Credit Card Bill Desk service
  • Your ongoing bills and expenses will be paid automatically using the auto pay feature provided by bill desk portal for Citibank Credit Card
  • Get email alert for all your transactions and payments
  • You can monitor the expenditure history of the Citibank Credit Card with the Expense Analysis feature
  • Get customer assistance 24x7
  • With bill desk service comfortably manage all your records and credit card bill of Citibank

Who can pay by Bill Desk

  • Any property holder
  • Small commercial business
  • Non-Agency Banks
  • Trusts and Corporates
  • Government organizations and Public Sector Undertakings
  • Private Firms and Companies

Citibank Credit Card Payment by Bill Desk

  • Visit the link https://www.billdesk.com/pgidsk/wap/citicard/citicard_detail.jsp
  • Enter your credit card number and retype the same on the below section
  • Enter your valid email id and mobile number for the verification process
  • Enter the payment amount and select the bank from the drop-down box.
  • Review all the entered details for any error and click on Epay Now
  • Once the payment is done you will see a transaction acknowledgment on the screen

Citibank Credit Card Payment through Debit Card

Citibank enables its cardholders to pay their credit card bills on their official website, via net-banking, cheque, Demand Draft, or BillDesk. Apart from this, you can also pay your credit card dues through a debit card. BillDesk is among India's leading providers of payment gateways. Through BillDesk, you will easily pay your credit card bill through a debit card.

  • Visit the Billdesk payment portal and login to your account using the credentials
  • Now enter Citibank credit card number and re-enter the same on the space provided.
  • Now enter your registered email id and enter the due amount
  • Select the bank account from which you want to make the payment
  • Now click on 'EPay Now'
  • Now you will be securely redirected to the payment processing page
  • Follow the further instructions to pay your Citibank Credit Card bill
  • Once the payment is successful you will get the transaction details on your provided email id.

Citibank Credit Card App

Citibank IN is a mobile app provided by Citibank for all the Indians which allows you to take complete access to all your credit card. The app can be downloaded by both Android and Apple users as it is available on Google lay Store as well as the App Store. Log in with your Net Banking Id, Password and manage your credit card, no matter where you are. Scroll down and get to know the features and benefits of Citibank IN and how to use it.

Benefits of Citibank IN

  • View all your credit card information and transaction in one place
  • Get e-statement for all your credit card transaction
  • Pay your credit card dues with EMI facility
  • Upgrade your credit card limit
  • Block and report the lost credit card in case of any fraudulent activity
  • Replace your old credit card with a new one with few simple steps
  • Change your credit card pin, anytime anywhere
  • Get all Citibank Credit Card offers in the app
  • Get access to request for a loan and pay the loan amount with an attractive interest.
  • Check your passbook and manage your spending
  • Transfer your fund from one bank to another more conveniently with numerous Citibank Payment option
  • Get alert for your credit card dues and transactions
  • Get access to pay all your bills with different bill payment options
  • Get 24x7 customer support
  • Check your credit card status
  • Stay updated with your reward points balance and redeem for online shopping and offers
  • With enhanced security of m-PIN and make your transaction more convenient and hassle-free
  • Send and receive money through NEFT, IMPS and RTGS & UPI
  • Locate nearest Citibank branch and ATM
  • Get auto-linking of all accounts of the customer ID (Savings, Current, CC, OD, Loan, PPF accounts)
  • Get enhance security of Fingerprint sensor mapped in the Citibank Bank Mobile Banking app
  • With AutoPay feature set up automatic payments and never miss due dates.
  • Check your Demat Account balances on the Citibank Bank MobileBanking App and quickly navigate to your Citibank Securities App.
  • Invest/Redeem in Mutual Funds online and view current Mutual Fund portfolio
  • Create your own ‘@Citi’ Virtual Payment Address & transfer funds instantly via UPI without an account number or IFSC
  • Set your daily transaction limits for Point of Sale & e-Commerce transactions
  • Get in touch with your Relationship Manager in the app, anytime anywhere you want
  • Redeem the reward points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles
  • Register with Snapshot feature and get your account balances and credit card details without having to log in every time

Register and Download Citibank IN

  • Go to Playstore or App Store
  • Search for Citibank IN and tap on Install
  • Open the app and under the drop-down menu of Account Information, select Credit Card
  • Enter your Citibank Credit Card details and agree with the Terms and Conditions
  • Tap on Proceed for the further process
  • Now you will receive an OTP on your registered mobile number
  • Enter the OTP on the required section and tap on Continue and Choose User Id
  • Choose your User Id and tap on Proceed to Choose IPIN
  • Create IPIN of your choice and tap on Confirm
  • Now you will see the successful message on the next page

Citibank Credit Card Login

Just by utilizing your User ID and Password you can reap all the net banking benefits provided by Citibank. To know the procedure of login and registration, please follow the below-given steps. 

How to Login

For existing User

  • Go to the official site of Citibank.
  • Now click on Login which is located in the top bar of the page.
  • Now enter your User Id and IPIN.
  • Now click on Login and explore.

For New User

  • Go to the official site of Citibank.
  • Now click on First Time User? Register Now, which is located in the left bar of the page.
  • On the next page enter your account information, Agree with the Terms and Conditions
  • Review your all entered details and click on Proceed.
  • Now you will be redirected to the Authenticate Account Information page, where you will have complete the OTP process. To receive an OTP, SMS GETOTPto 52484. Or else give a missed call on 9880752484 to receive OTP. (Note- You will get OTP REQUEST NUMBER on the same page).
  • Now enter the OTP on the required box and click on CONTINUE AND CHOOSE USER ID.
  • On the next page Enter the User Id of your choice and click on PROCEED TO CHOOSE IPIN
  • On the next page enter IPIN of your choice and click on CONFIRM.
  • On the next page, you will see the successful message, click on Login on the same page.
  • Now enter your new User Id and Password, click on Login and start exploring.

Citibank Credit Card Status

To know the status of your applied Citibank Credit Card you can track it online or offline by using your Application Reference Number.

Online Procedure

Below given are step by step tutorial for online method.

  • Go to the official site of Citibank
  • Now click on Credit Card which is located on the top bar of the page.
  • Now a drop-down menu appears, click on “Track Application Status”
  • Now you will be redirected to the new page which will be displayed as Check Your Credit Card Application Status Here.
  • Enter your Application Reference Number and Mobile Number on the required box.
  • Now click on submit to see the status of your credit card.

Offline Procedure

An applicant can also track the status of the credit card through offline mode.

  • One of the easiest mode is to call customer care to track the status. The customer has to give a call on the tollfree number 1860 210 2484 to solve the credit card related queries.
  • Or else an applicant can also go to the nearest Citibank. Meet any Credit Card representative, provide the Application Reference Number and track the status of your credit card instantly.

Citibank Credit Card Lost

Citibank Credit Cardholders who have lost their card can easily raise complaints to the customer support team. Customers can reach to the customer support executive through tollfree numbers, email, SMS and by writing to the grievance officer. Apart from this, the bank offers many ways to block the cards like Netbanking, Phonebanking or by visiting the nearest branch. Scroll down and know the step by step guide to block your Citibank Lost Credit Card.

Reasons to block Citibank Credit Card

  • If your credit card is lost or stolen
  • If your credit card has been stuck in the ATM Machine
  • If any fraud transaction was made in your card
  • Used your credit card for cash withdrawal but the money was not dispensed

Steps to take for Citibank Credit Card Lost

Go for below-given steps to reduce damage to your credit card caused by a potential misconception

  • Make numerous copy of your credit card and keep the name and number of the issuer safely whom you want to contact after the lost of your credit card
  • Keep the details of the issuer in a safe place and take it with you when you travel
  • Don't keep the details of the issuer and your credit card in the same place
  • Report the bank immediately by calling to the customer service numbers
  • Call the credit card bureau and request that a fraud alert be placed on your credit profile

How to block Citibank Credit Card via Netbanking

  • Login to Citibank Netbanking service with your Netbanking Id and Password.
  • Click on the Credit Card tab
  • Now you can see all the credit cards registered under Citibank Netbanking services.
  • Under Other Services and Queries, select Report Lost or Stolen
  • Now select your credit card you are willing to block
  • After completing the process the selected credit card will be blocked and new credit card will issued

How to block Citibank Credit Card via Phonebanking

  • Open the Citibank mobile app
  • Login with your Username and Password
  • Click on the Credit Card tab
  • Under credit card, select report lost or stolen
  • Now select your credit card you are willing to block
  • After completing the process the selected credit card will be blocked and new credit card will issued

How to block Citibank Credit Card via Online

  • Visit to the Citibank Credit Card website
  • Click on Citi Help, which is located on the top bar of the page
  • Click on Report Lost/Stolen Card
  • Click on Login Now and then click on Cards Tab
  • Click on Report Lost/Stolen Card under the left-hand menu bar
  • Mention the card details and click on Submit Request
  • Review your all entered details and click on Confirm
  • Your card is canceled and a new card will be issued for you

How to block Citibank Credit Card via Offline

Applicants who lost their credit card can also go through offline process by calling the customer support or by visiting the nearest branch

Call on the number- 1800 267 2425 to block your lost card

Or visit the nearest branch with your lost credit card details to block the card. The bank executive will ask for identity proof for the verification process.

Citibank Credit Card IFSC Code

Citibank Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. Applicant can do this by adding the credit card as a beneficiary.

  • Citibank Credit Card IFSC Code is CITI0000003
  • The first four characters CITI reflects the bank's name and the fifth character zero is kept aside for potential use.
  • The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills

How to know the Citibank Credit Card IFSC Code?

  • To know about Citibank Credit Card IFSC Code, an applicant have to go through easy and simple process. This code can be found online on various websites.
  • The applicant can also directly contact to the bank for the same.
  • Using the correct IFSC Code is very essential in order to avoid any kind of troubles.
  • The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow Citibank Credit Card bill payment via NEFT.
  • Apart from the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.

Process to pay credit card bill using IFSC Code

Credit cardholders who do not have Citibank Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete

  • Log in to the Citibank Netbanking with your Username and Password
  • Register your credit card as a beneficiary
  • Make the payment using NEFT to the credit card

Citibank Credit Card PIN Change

When you are approved for a card, you'll get a PIN code for your Citi credit card. After you obtain and unlock your new Citi card, from 5 and 10 business days later you will receive a PIN number via mail. The mail will contain your PIN or Personal Identification Number of four digits. Through a PIN, you can use your Citi credit card to cash out 24 hours a day from every ATM. You'll have the option with your mailing to change your PIN that might be simpler for you to recall. To do so, please call the number provided with your mailing, and make sure your new PIN is handy. Just follow the voice instructions and create a new 4-digit PIN to confirm. Or else you can also change the PIN online. Scroll down and follow the entire process.

  • Visit the Citibank Credit Card portal and login with your user id and password.
  • Now Under Services, click on Credit Card Services.
  • Click Request/Cancel Credit Card PIN, under the Card Management menu.
  • Now you will be given three options to change the PIN
  • Select the option and click on "Submit" to complete the process.

Safety Measures for Citibank Credit Card PIN

Keeping your credit card PIN secure from any threats is really necessary. So it is very important for every cardholder to keep their credit card PIN secured so that there will be no chance for any fraudulent activities. Below are a few crucial steps that you should take to secure your Credit Card PIN: 

  • Ensure that the monthly credit card statements are checked very carefully every month so that if there is some disparity you can make a call to the bank instantly.
  • Don't share your credit card or PIN details via e-mail, chat messages or SMS services. By using these services your credit card PIN can be hacked.
  • Don't give your card to the vendor or storekeeper for swipe, to avoid card skimming and duplicating, always use skimming devices and swipe the card on your own.
  • Always go through safe websites for online purchases. Those which start with "https" are generally considered secure and authentic websites.
  • While making an online purchase or transaction never decide to save your card information on the merchant's website.
  • One of the best safety measures is not to write your credit card details or PIN on a paper sheet and not to save the same details on your mobile. 

Citibank Credit Card Statement

The credit card statement from Citibank is a key financial document that provides insight into the overall purchases made with the card during the last billing cycle. Citibank Credit Card Statement contains the following details:

  • Billing date for payment
  • Total Amount Due
  • Transaction details made in the billing cycle
  • Active EMIs
  • Account Summary
  • Reward Points earned
  • Opening and Closing Balance of reward points
  • Disbursed reward points
  • Adjusted reward points

The account overview further shows the details of the previous month's balance, payments, purchases, balance transfers, cash advances, fees, interest rate charged in that month, current balance, available credit, closing date of the statement and the billing cycle days.

Benefits of Citibank Credit Card Statement

  • You can download the credit card statement of the last 18 months
  • The statement is Password protected, Secure 128-bit encrypted
  • Get fast, convenient and Eco-friendly services
  • You can login to Citibank Netbanking and generate an unmasked statement which you can use to file your tax papers electronically.
  • You can login to Citibank Online and request a duplicate statement.

How to Register to get e-Statement

New user can go through below given process for registration

  • Visit to the Citibank Credit Card website
  • Click on Credit Card which is located on the top bar of the page
  • Click on Statement on Email
  • Click on Register Now
  • Login to the Citibank Online Netbanking services and click on the register tab on the statement page
  • Call to the 24x7 customer service and place a request for register

How to download e-Statement

  • Visit to the Citibank Credit Card website
  • Click on Credit Card which is located on the top bar of the page
  • Click on Statement on Email
  • Login to the Citibank Online Netbanking services and download your credit card statement

Citibank Credit Card Statement - Important to Check

A good track of spending is always beneficial for a hassle-free credit card experience. And how is it going to be realized, assumptions? This is the statement that will help you to achieve your said goal. The statement can be viewed on the e-mail identifier as well as by requesting it from the nearest Citibank branch. The statement will provide a full breakdown of expenses incurred, a summary of reward points, as well as taxes and late fees, if applicable. You can thus discover the reward points earned and redeem them with several brands online and offline.

Know your Citibank Credit Card Statement

Citibank's credit card statement is split into eight distinct parts. The bank's statement shows all the specifics of each purchase made by the credit card. The various portions and sub - parts in the Citibank credit card statement are listed below.

  • Basic details of the cardholder such as cardholder's name , email address and address are provided at the top left corner of the credit card statement.
  • Specifics such as due date of the payment, outstanding dues, total credit limit, available credit limit, minimum due amount, and available cash limit are provided in the upper right corner of the credit card statement.
  • The statement also includes the specifics of your opening balance, payments/credits, purchase/debits, total dues, finance charges under the  'Account Summary' section. 
  • The statement is also printed with the details of the past dues of the cardholder, The sub-categories such as minimum amount due, current dues, overlimit will be listed under the Past Dues section.
  • The credit card statement will also contain all domestic transactions performed with the appreciation of the credit card. It will include the date, summary of the transaction and the transaction amount.
  • The statement also comes with the section called ‘Summary’ which includes the summary of your reward point such as opening balance, accumulated points, disbursed points, closing balance,  revised points. 
  • A credit card statement also allows the cardholder to know about the current offers on his / her credit card.

Citibank Credit Card Bill Pay

Citibank is offering one of the top platform for all your payment as it has more than 200 billers to choose from and pay. No matter where you are just with your CitiBank NetBanking Id and Password you can pay your all utility bills anytime anywhere. Scroll down and get to know the features and benefits of Citibank Credit Card Bill Pay.

Benefits of Citibank Credit Card Bill Pay

  • Make secure and hassle-free payments
  • Get all service without any hidden charges
  • Get notifications and reminders for your payments made
  • Once register get the bill details for future payments for the same biller
  • Get Confirm & Pay feature on bill payment if you want to view your bill amount before you make the payment. Citibank will track your bill and notify you when your bill is received.
  • With a one-time bill payment option, you can make an immediate payment for your bill. Save the details and add the biller to your 'Biller List' for future payments.
  • With Auto Bill pay option, make your bills paid automatically. Get notifications for online payments made for your reference.

Citibank Offers to methods for Credit Card Bill Pay

Citibank Easy Bill Pay

By signing on Citibank Credit Card Online, make your payments to over 50 billers. To create one time payments to billers, easily authenticate the request with your User Id and Password.

Citibank Online Bill Pay

With Citibank Online Bill Pay make your payments to more than 200 billers. Register yourself to get the bill details for future payments for the same biller

Citibank Credit Card Rewards

Shop more and Earn more, with Citibank Rewards Programme get more out of your money every time you shop. Citibank Reward Programme gives you a wide range of redemption options including jewellery, fashion accessories, garments, home appliances, electronic equipment, cosmetics and much more. Redeem the reward points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about Citibank Rewards Programme.

Rewards catalog with Citibank Credit Cards

  • Citi Rewards Card- Spend a minimum of Rs 125 and get 1 Point
  • IndianOil Citi Titanium & Platinum Card- Spend a minimum of Rs 150 and get 1 Point
  • Citi PremierMiles Card- Spend a minimum of Rs 100 and get 4 miles
  • Citi Cashback Card- Spend a minimum of Rs 200 and get 1 point
  • Citi Corporate Card- Spend a minimum of Rs 125 and get 2 point
  • First Citizen Citi Titanium Golden Glow Credit Card- Spend a minimum of Rs 100 and get 1 point
  • Citi Prestige Credit Card- Spend a minimum of Rs 100 and get 1 point

Rewards catalog as per the categories

  • Spend a minimum of Rs 125 on Apparel, Departmental Stores & Featured partners with Citi Rewards Card and get 1 point
  • Spend a minimum of Rs 150 on IndianOil Outlets & Featured partners with IndianOil Citi Titanium & Platinum Card and get 4 point
  • Spend a minimum of Rs 150 on Grocery Stores with IndianOil Citi Titanium & Platinum Card and get 2 point
  • Spend a minimum of Rs 100 on Airline Spends & Featured partners with Citi PremierMiles Card and get 10 miles
  • Spend a minimum of Rs 200 on Movies, Telephone & Utilities with Citi Cashback Credit Card and get 10 points
  • Spend a minimum of Rs 100 At Shoppers Stop with First Citizen Citi Titanium Golden Glow Credit Card and get 5 points
  • Spend a minimum of Rs 100 At Shoppers Stop Exclusive Labels with First Citizen Citi Titanium Golden Glow Credit Card and get 7 points
  • Spend a minimum of Rs 125 at Hospital and Utility with First Citizen Citi Titanium Golden Glow Credit Card and get 3 points
  • Spend a minimum of Rs 100 at on International transactions with Citi Prestige Credit Card and get 2 points

How to earn Citibank Reward Points

  • Spend with your Citibank Credit Card and get rewards on every category
  • Depends on the type of credit card you hold you can accumulate more points on your spending at retail stores, travel bookings, movies and more.

Redemption of Reward Points towards Air Miles Transfer

  • Spend a minimum of Rs 100 with Citi PremierMiles Card and get 4 miles
  • Spend a minimum of Rs 125 with Citi Rewards Card and get 1 point
  • Spend a minimum of Rs 150 with IndianOil Citi Card and get 1 point
  • Spend a minimum of Rs 100 with Citi Prestige Card and get 1 point
  • Spend a minimum of Rs 125 with Citi Corporate Card and earn 2 points

Process to Convert Citibank Reward Points into Air miles/Reward Points

You can redeem the reward points accumulated on CitiBank Credit Cards for different reasons like Air Miles. To redeem the reward points follow any of the methods mentioned below:

Through Citibank Online

  • Visit the Citibank Online Portal and log in with your User ID/Password
  • Now click on "Redeem rewards option" located on the left side of the page
  • Now choose your credit card and click on Miles Transfer option.

Through Citi Mobile App

  • Launch Citi Mobile App and log in with your User ID and IPIN
  • Now select the type of Citibank Credit Card and Click on the "Rewards" option.
  • Now select Miles Transfer option and covert your reward points into Air miles.

Through Citibank Helpline Number

To redeem the reward points via helpline number please make a call on +91 22 4955 2484. You can call on the number between 9 am to 7 pm from Monday to Saturday except on bank holidays and national holidays. 

Citibank Credit Card Referral

For a prospective customer who does not yet have a credit card, it is an ONLINE credit card referral program.Through this program, individuals can refer their friends and family to apply for a new Citibank credit card. The referrer will get Rs. 250 worth Flipkart as the referral reward for every valid application received. Sellers listed on flipkart.com can use e-gift coupons for purchases. A legitimate application says the individual being referred has submitted according to the campaign terms. The referral program is solely for issuing new credit cards and not for add-on cards.

How reward is credited to the referrer

The referral reward is sent directly to the email ID specified on the referral form. There is a cap of Rs. 5,000 cumulative vouchers which can be processed to a single referrer. It covers all the rewards the referrer has received in a financial year for all the credit card referral campaigns operated in a fiscal year. Therefore, if more individuals have been referred by a referrer and are eligible for more than Rs. 5,000 referral reward, the cashback would still be limited to Rs. 5,000.

How to maximize your Citi Travel Credit Card Rewards

By going through the below-listed points you can get much out of your Citi Travel Credit Card.

  • Choose a travel credit card from Citibank that best suits your travel needs. 
  • If you are a frequent traveller you can earn more reward points by spending on your travel needs and paying your credit card dues in time.
  • It is suggested to carry a card that enables you to earn more points than what the Card costs you (joining, annual and other charges). 
  • It is suggested to carry a card which gives you the benefits of booking a hotel, airlines, car rentals, etc. 
  • Several Citi Credit Cards comes with joining perks but in that case, you need to spend a certain amount on your card before a stipulated time. Please keep in mind that this joining benefit can easily afford, but don’t spend too much in order to gain high reward points.
  • Using a travel credit card on a regular basis enables you to add reward points slowly in your card account
  • It is essential to check the Terms and Conditions of reward points, some reward points are only for limited-time and others are based on how much you spend on your card. 

Citibank Credit Card Loan

Citibank credit card loan is a customized funding program operated by Citibank that requires the unpaid credit balance on the credit card as a loan to raise funds. It is a pre-approved loan and you only have to apply for the loan against your credit card. Citibank Credit Card Loan is very flexible in terms of its usefulness. The bank would not impose a variety of conditions on the loan. All individuals who hold credit cards issued by Citibank and have a large remaining portion of their credit limit can enable the use of the loan which is offered directly by the bank.

For this kind of loan, the terms and conditions, as well as age restrictions and income requirements as specified for credit cards, may apply. The amount of the loan against Citibank Credit Card is based on the individual's outstanding credit cap. The loan is triggered by the bank according to the available credit limit value. Citibank can even in certain situations approve a loan that crosses the credit cap. You can avail of a minimum amount of loan via the same facility but the facility is based on Citibank's discretion and also your financial stability.

Citibank credit card loan is a fast, affordable, and easy way to fund your urgent expenses. It is an unsecured loan that you may reap the benefits of on your credit card against cash or credit cap. You will also get a loan above and over the credit cap, depending on your eligibility and credit score.

You can pick a time period with Citi to pay off the loan. Citi provides a convenient 6, 12, 24, 36, and 48-month repayment duration. If your loan is processed, you can get the loan amount via online under the business days or via draft on your postal address within three days. When you are dealing with the multiple pressures of daily life, handling the documentation and loan procedures may be a boring activity. So for this, an instant loan is the best option to choose without any documentation. Below are the benefits of Citibank Credit Card Loan:

  • No, any paperwork is required to avail the loan
  • No collateral or guarantor is required to avail the loan
  • The loan can be processed instantly via online
  • The loan is disbursed quickly with instant processing
  • The loan comes with a flexible repayment option
  • Citibank Credit Card loan does not include any additional processing fees and is part of your credit card services. Processing fees may, however, be applicable to different scenarios, depending on the internal guidelines of the bank.
  • When the cardholder wants to repay the amount of the loan before the closing date of the tenure, he may do so by paying a charge on the amount pending.

Types of Loan You Will Get via Citibank Credit Card

Citibank offers two types of loans on Credit Cards under its Paylite program. The credit card feature helps cardholders for making repayments in a simple way. 

Instant Loan: Instant Loan can be used against the credit cap of Citibank Credit Card or Cash. The instant loan can be used against the Citibank Credit Card or credit cap. The Bank allows the loan on the basis of the cardholder's record and credit history. The Bank may also authorize a loan beyond the credit limit at its sole discretion.

Conversion to EMI: You can convert big transactions to EMIs. There are two different ways in which the purchases can be converted to EMI. 

  • Unpaid amount on the Card: the outstanding balance on the Citibank Credit Card can be converted to EMIs that will let you pay lower interest rates and also avoid service fees.
  • Purchases more than Rs 2500: When you use the Citibank Credit Card to pay your bills, you can convert your payments above Rs.2500 into easy EMIs to be reimbursed over a period of time. 


Citibank provides the following facilities to its customers through net banking:


Transfer of funds to bank accounts in India via:
Real-time Gross settlement (RTGS), National Electronic Funds Transfer (NEFT), and Immediate payment service (IMPS)
Payment of utility bills or insurance premium Payment of the mortgage-linked to the Citibank account Request demand draft Access personal loan information The client can view, buy and sell mutual funds Reservation and withdrawal of a large number of deposits View transactions that have occurred Statements can be viewed in the past 18 months CitiAlerts Registration Link all accounts for a single connection Track the spending pattern using Spend Analyzer.

Steps to follow if your credit card is lost or stolen:

Using a credit card to make purchases is generally safe. However, even the most conscientious cardholder can risk losing their credit card due to misplacement or theft. Nothing compares to the stress of losing a credit card. You are not the only one to feel this sinking feeling when you realize that your credit card has been lost or stolen.

The steps you take right away can go a long way to limiting the damage that a potential wrongdoer can do with your credit card.

  • Make copies of each of your cards and write down the phone number of the respective issuer in case you need to contact them.
  • Keep this information in a safe place and be sure to take it with you when you travel.
  • Keep this information as far away as possible from where you keep your credit cards. 

If your credit card is lost or stolen, follow the steps below:

1. Immediately report stolen credit cards to your bank

Most card issuers are available 24/7 to help you report your lost credit card. You can browse the net to find your bank phone numbers or find them on your billing statements. Keep all relevant documents on hand in case you need to answer specific questions. Document with whom you spoke, the date, time and context of the conversation, as well as any follow-up.

2. Call the credit customer care

If your card is stolen, call the credit card customer care and request that a fraud alert be placed on your credit profile. You should also review your current credit report to make sure there are no other cases of credit card fraud. If you find information is incorrect, notify the credit bureau immediately.

Now that you have reported your lost card, your credit card company can take steps to replace it. Your account will not be cancelled and the old card will no longer be associated with your account. Before you know it, you will get your replacement card and your lost card will just become a bad dream.

Citibank Credit Card Customer Care

Call on the below-given toll-free number to solve your any credit card related query.

1860 210 2484

For customers calling from outside India, can give a call to +91 22 4955 2484.

To block your credit card give a call to 1800 267 2425

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:

principal.nodal.officer@citi.com 

FAQs

Q: What are the different categories of credit cards Citibank India offers?

A: Citibank India offers credit cards in different categories such as follows:-

Travel Credit Card: Citibank Premier Miles Credit Card
Shopping Credit Cards: Citibank Rewards Card, Citibank Rewards, Domestic Credit Card, Citibank Cashback Credit Card, First Citizen, Citibank Titanium Credit Card, and Citibank Platinum Credit Card
Fuel Credit Cards: Indian Oil Citibank Platinum Credit Card and Indian Oil Citibank Titanium Credit Card.
Lifestyle Credit Card: Citi Prestige Credit Card.
Cash Back Credit Card: Citi cashback credit card

Q: How are Citibank credit cards useful for international transaction purpose?

A: Citibank India offers credit cards which can be used internationally, which means that is it can be used in India and abroad as well. Credit Cards, however, cannot be used to make foreign currency transactions in Nepal and Bhutan. Customers can also get domestic-only cards available with Citibank like the ‘Citibank Rewards Domestic Card’ which can only be used in India and at Indian web portals.

Q: How can I redeem my credit card reward points?

A: Rewards points accumulated on any Credit card offered by Citibank are redeemable at partner outlets against fuel, gift vouchers, air miles, cashback or at online shopping outlets. To know about the eligibility criteria for your credit card contact Citibank credit card customer support.

Q: What are the features & benefits of Citibank Corporate Card?

A: The following are the features and benefits of Citibank Corporate Card

· Citibank Corporate Card is a tailor-made card which aims to meet the credit needs of corporate employees.
· All the cards issued under this scheme can be centrally monitored with single window access which makes it easy for the accounts department to manage expenses.
· For the employees, travel hassle-free and earn exciting rewards.
· As a Citibank corporate credit cardholder, you not only get to use this card for work-related expenses but also become eligible for special deals on shopping, travel, entertainment, spas, golf, hotel stays around the world.

Q: What does travel insurance cover? Do I need it?

A: Your Travel Insurance policy covers:

· Cashless treatment in case of medical emergencies for up to $1, 50,000, during your stay abroad.
· Expenses incurred due to loss/delay of checked in baggage.
· Delayed/cancelled trip expenses.
· Loss of Passport / Visa or other travel documents.
· Legal third party liability of up to $1, 00,000.
· Your home contents in India against fire & allied perils, up to Rs.1, 00,000.
· Travel shield Single Trip Insurance is your best travel companion on whom you can count on.

Q: What are the features of the Citibank PremierMiles Credit Card?

A: PremierMiles Credit Card is specially crafted to suit the travel needs of a person who is a frequent air traveller by offering Air Miles and travel insurance cover.

Features & Benefits of Citibank PremierMiles Credit Card:-

· Specially designed for the frequent flyers, PremierMiles card comes with Air Mile points for every travel booked using the card.
· Air Miles can be redeemed across 100 domestic and international airlines.
· Cardholders stand to get 10 Miles for every Rs.100 spent on airline transactions. 3000 Miles are awarded upon card renewal.
· PremierMiles card offers complimentary access to premium airport lounges located across India.
· Other features which are inclusive in the card include travel insurance coverage, loan on credit card and exclusive travel & dining offers.

Q: What are the features of Citibank Cashback Credit Card?

A: Make your everyday purchases naturally rewarding with this card that offers you cashback on essential spends and discounts across restaurants.

Features & Benefits of Citibank Cashback Credit Card:-

· With Citibank Cashback card, customers can get cashback offers and other exclusive rewards on their everyday spends on essential and non-essential items.
· Cardholders stand to get 5% cashback on movie ticket purchases, telephone bill payments and utility bill payments.
· All the cashback is automatically credited and redeemed in multiples of Rs.500.
· One can get up to 20% savings across 2000 restaurants present in India like Pizza Hut and Costa Coffee with Citibank credit cards.
· Other value-added services on the card are instant loans, EMI option on spends above Rs.2500 and attractive balance transfer options.

Q: How fast will the funds reflect in my Credit Card Account while doing the online payment?

A: Once the transaction has been successfully completed, your Bank will debit the funds from your Bank account and transfer the same to Citibank. On receipt of the funds, the same will be credited to your Credit Card by end of the day, else the next working day. Make sure the payment should be made before 5 p.m. Funds transfer request made on non-working days will get executed on the following working day. The actual time usually taken to credit the account depends on the time taken by your bank to process the payment.

Q: What happens to the funds if the Credit Card Number specified is invalid?

A: In the event of an invalid Card number being submitted by the customer, the funds will be returned back to the originating bank within one working day. To check the status of the credit into your account, please get in touch with your Bank.

Q: What is the revolving credit facility?

A: Once you receive your credit bill, you have the flexibility of selecting any of the following payment options:

1. Pay the total amount due.
2. Pay only the minimum amount due.
3. Pay any amount between the minimum amount due to the total amount due.
4. Should you opt for either of the last two options, then the unpaid amount due is carried forward to the next billing period.
5. This is referred to as the revolving credit facility

Q: What is E-Pay and how does it helps the users?

A: E-Pay helps the credit cardholders of Citibank to pay their bills online from any of their Non – Citibank accounts. The users of Citibank’s credit card can pay from over 36 major banks and it includes HDFC, ICICI, SBI and so on. With E-Pay, the customers need not have to visit the bank branches to make payments for credit card bills by waiting in long queues or by dropping cheques in drop boxes.

Q: Which banks in India support E-Pay?

A: The following are the list of banks which supports E-Pay for Citibank and they are

 

Allahabad Bank Andhra Bank Axis Bank Bank of Baroda (Retail & Corporate)
Bank of Bahrain and Kuwait Bank of India Bank of Maharashtra Canara Bank
Central Bank of India Citibank Corporation Bank City Union Bank
Deutsche Bank DCB Bank Dhanlaxmi Bank Federal Bank
HDFC Bank ICICI Bank IDBI Bank Indian Bank
Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank
Karnataka Bank Karur Vysya Bank Kotak Mahindra Bank Lakshmi Vilas Bank (Retail & Corporate)
Oriental Bank of Commerce Punjab and Sind Bank Punjab National Bank (Retail & Corporate) State Bank of India
South Indian Bank Shamrao Vithal Co-operative Bank Tamilnad Merchantile Bank UCO Bank
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