SERVICES

Your Rupee Checking Account comes with a chip based, PIN enabled Debit Card that allows you to access your account information at any Citibank or Mastercard^® ATM.

Debit Card for Non-Resident External Rupee Checking Account

If you have a Non-Resident External and a Non-Resident Ordinary Rupee Checking Account, you will receive one Debit Card and an ATM Personal Identification Number (ATM PIN) for each of these accounts. If you have multiple account holders on the account, each account holder will receive a Debit Card and an ATM PIN.

You can use your Debit Card for your Non-Resident External Rupee Checking Account to access your account, withdraw cash or to pay for purchases at select Mastercard establishments around the world or for online purchases.

With the Debit Card for your Non-Resident External Rupee Checking Account, you can withdraw cash in local currency at any ATM globally that displays these signs:

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Debit Card for Non-Resident Ordinary Rupee Checking Account

You can use your Debit Card for your Non-Resident Ordinary Rupee Checking Account to access your account, withdraw cash or to pay for purchases at select Mastercard establishments or for online purchases in India.

With the Debit Card for your Non-Resident Ordinary Rupee Checking Account, you can withdraw cash in Indian Rupees at any ATM in India that displays these signs:

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	Regular Accounts	Preferred Accounts	Citigold Accounts
Maximum Daily Limit	Equivalent of Rs. 75,000 in local currency	Equivalent of Rs. 125,000 in local currency	Equivalent of Rs. 150,000 in local currency

Please Note:

• If you do not use your Debit Card for your Non-Resident External Rupee Checking Account overseas at any ATM, Point of Sale Terminal or Online, the default limit is set at the equivalent of US $3500 per financial year for Citigold Customers and US $1500 per financial year for all other Customers. If you would like to increase this limit, please login to your account and send us a secure mail using the Mail Box option. You can also increase this limit by calling 24-hour CitiPhone.
• The maximum daily limit mentioned above is an aggregate limit across Cash Withdrawals at ATMs, Point-of-Sale Purchases and Online purchases.
• The bank that operates the ATM may also impose additional limits for each cash withdrawal and may charge you a fee for Cash Withdrawal and other services.
• All cash withdrawals overseas will also be subject to foreign exchange conversion from Indian rupees to the local currency where cash is withdrawn.
• If your existing Debit Card is not a Chip Based Card, we will automatically issue you a new Chip and PIN Based Card upon renewal.

If you would like to increase this limit, login to Citibank Online and send us a secure email using the Mailbox option