Refer a Friend Program for Non-Members

Once referrer submits the referral form with all the details required, automated emails are sent to both the referrer and all his referees. The referrer is sent a link to the referral dashboard (used to track the referral status of his friends). It also contains a username and password for logging into the referral dashboard.

The referees would receive an email informing them that their friend (friend's name would be mentioned) has referred them for a Citi Credit Card. This email will contain unique links to apply for the four Citi Credit Cards (IndianOil Card/ Rewards Card/ Cash Back Card/ PremierMiles Card).

Each referrer's referral link is unique and customized for his/ her referral. The referees should only apply directly online for a Citi Credit Card through the email they receive or through the unique link shared by their friends through social media channels. The referees should NOT apply through anywhere else online or offline. They should NOT apply through another referee's referral mail too. If the referee applies elsewhere other than his/ her own referral email, the respective referrer would automatically not be eligible for that particular referral. The referral email contains links which takes the referees directly to the application form. The referees should NOT navigate outside this page before finishing the application. If the referees navigate outside before applying, they would have to once again come back to the application form ONLY through the referral email and not through internal navigation links on the Citibank website.

The referees will also not be contacted separately by any Citi sales representative to get their credit card application collected.

If the referees have not received the referral email, customers have the option to re-send the referral email up to 10 times to his friend through the referral dashboard. The referral dashboard contains a button which would say 'Send Reminder mail' next to each referral. Customer can click on that button and the referral mail would be re-sent to that particular referral. There is a chance that the referral mail might be present in the Spam/Junk/Promotions folders of the referee's mailbox. If the referee still has not received the referral email, kindly write to Citi customer care.

The referral dashboard is a page wherein the customers can view the status of all their referrals. The username and password to the referral dashboard would be sent to customer's mail id mentioned in the referral form. Once customer logs in to the referral dashboard, he/ she will be able to view all the referrals they have made using that particular email id only.

There are 4 statuses in the referral dashboard:

• Not Applied Yet: The referee has not applied through the referral email yet. This means that if the referees have applied elsewhere and not through their own referral mail, the status would still be shown as 'Not Applied Yet’
• Applied/ Under Process: This status is updated weekly once.
• Approved: This status is updated weekly once and the referees who have been successfully approved will have their statuses reflected in the dashboard only in the forthcoming week.

Not Approved: This status is updated weekly once and the referees who have not been approved will have their statuses reflected in the dashboard only in the forthcoming week. The reason for the same will be sent via email to the referee’s registered email-id. This communication will not be sent to the referrer.

If the referral dashboard does not reflect the correct status of any particular referee, please write to Citi customer care with the following details:

• Your name as filled in the referral form
• Your email id as filled in the referral form
• Your referee's name as filled in the referral form
• Your referee's mail id as filled in the referral form

The 'Last Updated' field in the referral dashboard indicates the date on which the referral dashboard was updated previously for each referral.

The referral reward will be directly sent to the email ID mentioned by the referrer in the referral form. This will be credited within 120 days from the date of receiving the application. If the referral reward has not been credited even after 120 days, please write to Citi customer care with the following details:

• Your name as filled in the referral form
• Your email id as filled in the referral form
• Your referee's name as filled in the referral form
• Your referee's mail id as filled in the referral form