FREQUENTLY ASKED QUESTIONS (FAQs)

A credit card is a standalone lending instrument used to provide recurring credit to an individual based on his/her financial credentials. A credit card enables you to purchase instantly and pay later.

Every credit card account is assigned with a credit limit and the card can be utilized to the extent of the approved credit limit. A portion of the credit limit can also be used to withdraw cash. This is 'cash limit'. The assigned credit limit is inclusive of the cash limit. Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.

The following are some of the benefits in using a credit card

• Enables convenience, easy mobility and cash-less transaction
• Enables online transactions
• Establishes credit worthiness
• Provides interest free credit period.
• Option to avail revolving payment facility.

As per RBI circular dated January 15, 2020* on Enhancing Security of Card Transactions, all Citi Cards (both debit and credit) issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. The cards will be disabled for International and Online transactions.

In addition, if customers have not used their existing card for international, online or ecommerce transactions in the last 3 years(including cards issued or new accounts opened during this period), usage for these purposes will be mandatorily disabled.

Customers can enable/disable their card for International and Online transactions on Citibank online or on the Citi Mobile app. They can also set the domestic daily limit for ATM, POS and Online transactions.

Click here to see how.

*RBI/2019-20/142 dated 15th January, 2020.

We offer a range of credit cards to meet your lifestyle, shopping and travel needs.

You may choose citi credit card that best meets your requirement. Please click here to know more about these.

A joining fee is payable on successful processing of the card application, for certain card types. An annual fee for renewal of card membership is payable by the card member on or before the credit card account relationship anniversary.

The joining fee and annual fee, as applicable, will be directly billed to the credit card account and the same will reflect in the statement of the concerned month in which it is charged. We will communicate the joining fee and annual fee applicable for both primary and additional card at the time of sourcing.

For further enquiry regarding card fees, you can also:

Visit Citibank Online select the card type you wish to view details for

(OR)

Click here to compare features of various cards.

Citibank credit cards will be initially valid for a period of 3 years or for such period as decided by the bank. The existing card will be renewed automatically a month prior to the actual expiry of the existing Card. The same is applicable for renewal of add-on cards.

For example, if your card is due to expire on April 30, 2015 the renewed card will be dispatched around the second week of April. If the old card is valid through 04/15, then the renewal card will be valid from 05/15.

On expiry, the existing card plastic will not be valid for usage. The renewed card will have the same card number; however, the CVV will differ. For security purpose, you should destroy the expired card plastic.

To know the current offers available on Citibank credit card, Click here

We hope you enjoy these !

Citibank offers various options to convert your existing card to meet your current needs.

You can visit the link to learn about the various credit cards provided by Citibank.

Please note - That the old card will be active for a period of 60 days or card expiry date whichever is earlier for swipe / Electronic Data Capture transactions. This is to ensure that you are not adversely impacted in case of any delay in receipt of the new card. On receipt of the new card, we request you to destroy the old card for security reasons.

Once you have decided on the card you wish to convert to, kindly contact our 24*7 CitiPhone banking services. Please note, swapping of cards is subject to applicable terms and conditions.

Once the swap request is processed, the existing card will be blocked and a new card will be sent to your registered mailing address. The new card will have a different card number and CVV. For all financial and accounting purposes, both the cards are treated the same. You can use the existing Internet Banking Password (IPIN) for the new card as well.

The reward points accumulated on the existing card will be transferred to the new card in the ratio applicable and will be subject to applicable terms and conditions.

Any Standing Instruction / ECS maintained with us will be automatically transferred to your new card. However, any standing instruction that you may have maintained with other merchants / utility providers to debit the card would not get transferred. Please contact the merchant directly to update the details.For your Billpay transactions and 3rd party Standing Instructions to get processed, it is necessary that the online transaction functionality is activated on your credit card. You can enable the same and set limits for transactions by logging into Citibank Online or your Citi Mobile App.

To refer Terms & Conditions - please click here

EMV (Europay Master Visa) is a chip credit card with a microchip embedded in it. When a chip credit card is used at a chip enabled terminal at a merchant outlet or at an ATM, the payment system reads information from the card chip to establish the card details. An EMV Chip & PIN Card mandates the use of a Personal Identification Number (PIN) to authorize purchase transactions.

The chip offers a more secure payment mechanism compared to the traditional magnetic stripe, and reduces the probability of card cloning or skimming, i.e., copying of personal data from the information stored on the card.

To link your Citi credit card to your Citibank savings account, kindly use the following options:

• Please Click Here to login to Citibank online and follow the instructions.
  

• Alternatively, you may send us a written request mentioning your card and banking account numbers to Citibank N.A., Mail Room, ACROPOLIS, 9th Floor, New Door No.148, (Old No.68) Dr. Radhakrishnan Salai, Mylapore, Chennai – 600 004.

• We recommend online banking for faster processing of your request. Linking will be processed within two working days. It saves time to send a written request.

• Kindly note, the credit card will be linked to your account only if name, date of birth and address match in both. Once your accounts are linked, you will see the linked card account number on your account summary page. In case we are unable to link your credit card to your savings account, we shall intimate you with an email to your registered email ID.

For any assistance, kindly Click Here for Live Chat.

You can apply for a Citibank Credit Card by:

• Visiting Citibank Online. Click here to apply for the card

Citibank offers various types of cards to suit your lifestyle, shopping and travel needs. The eligibility for each card may differ. You can click here to view and compare various credit cards we offer.

Note - We currently do not have a Credit Card product for Non Resident Indians.

The following are the documents required for processing a credit card application

• One color photograph (passport size).

• Address proof (click here to know the list of valid address proof documents).

• Photo ID proof (click here to know the list of valid Photo ID proof documents).

Once the application is lodged, an executive representing Citibank will contact you in 2-3 working days, to collect the required documents. The duly filled application processing will take 7 working days. On approval, the credit card along with the welcome kit will be dispatched to your mailing address.

Citibank offers both 'International' credit card and 'Domestic only' credit card to meet your spend requirements.

'International' credit cards can be used in India and abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan. 'International' credit cards are available across our product range.

'Domestic only' card restricts usage to merchant and online websites registered only in India. For availing 'Domestic only' credit card, choose 'Citibank Rewards Domestic Card'.

To apply for Citibank Credit Card online, please click here

Once the completed application form is submitted, an executive representing Citibank will contact you in 2-3 working days to collect the documents. The duly filled application processing will take 7 working days. On approval, the credit card along with the welcome pack will be dispatched to your mailing address.

We realize you are keen to know the status of your card application. All you need is your application reference number and mobile number to check it online. The 11 digit application reference number would have been sent as a text message (SMS) to the mobile number mentioned in the application form. Kindly mention the same application reference number and mobile number to check the status of the application.

Please click here to know your credit card application status now !

Important Note - It may take up to 24 hours from the time of notification through SMS for your application status to be updated.

A Credit Information Company (CIC) is an independent organization licensed by the Reserve Bank of India (RBI) that signs up banks, NBFCs and financial institutions as its members. It then aggregates data and identity information of individual consumers and businesses from its members.

All banks and financial institutions are required to share information like current balance, payment history, demographic details etc, pertaining to all accounts held by a customer who has a loan, credit card or ready credit account with the Credit Information Companies. Credit reporting is very important in today's financial system and is considered a primary factor while evaluating the credit worthiness of customers and monitoring the credit circumstances of consumers and businesses. This information enables lenders to function more efficiently and at a lower cost than is otherwise possible.

Citibank may tie up with credit bureaus authorized by the RBI and will share credit information including but not limited to your current balance, payment history etc along with your demographic details with these credit bureaus on a monthly basis, as per the Credit Information Companies (Regulation) Act, 2005.

The credit history & repayment behavior of a customer is translated into a number called "credit score" developed by the Credit Information Companies. Credit score is one of the parameters used to review a credit card application. Credit information companies only provide factual credit information and do not provide any opinion, indication or comment pertaining to whether credit should or should not be granted. It is in your best interest to maintain a good credit history by paying the necessary dues in a timely manner. With credit information companies in place, responsible customers can expect faster and more competitive services at better terms from the credit grantors.

Default by customers would be available with the credit information companies, which in turn could impact your credit worthiness for future requirements.

Add-on card is a supplementary card issued to the blood relatives & in-laws of primary card holder

You can take an additional Card for your

• Spouse

• Children (age above 18 years)

• Siblings (age above 18 years)

• Parents

• Parents-in-law

• Brother / Sister-in-law

• Son / Daughter-in-law

To apply for an add-on card, please click here

Documents Required:

• A duly filled additional card application form. Click here to download the form

• A self-attested identity and date-of-birth proof of the additional card applicant

• PAN card is mandatory for addon application processing. A passport size colored photo of the additional card applicant

Once the application is submitted online, an executive representing Citibank will contact you in 2-3 working days to collect the documents. The duly filled application processing will take 5 working days. On approval, the credit card along with the welcome kit will be dispatched to your mailing address.

Citibank provides various offers for customers applying for a credit card. However, these offers may differ depending on the mode of application. The details of the offers will be communicated at the time of application.

Existing credit card or savings account holders of Citibank can refer their friends and family to apply for a new Citibank credit card through this program. If the referred person is issued a credit card by Citibank, the corresponding referrer would receive Rs. 2000 as the referral reward. The referred person (known as 'referee') need not be an existing Citibank customer.

To refer your friends / relatives for a Citibank credit card, please click here

Add-on card holder will share the limit assigned to the primary card, i.e. no separate limit will be assigned to the add on card holder.

In case you are eligible for a pre-approved credit limit enhancement, you may reach out to any of our contact channels and our officer will help to process your request.

Please note that successful execution of your request is subject to the offer validity and some real-time credit checks that the bank will run to confirm eligibility.

Also to apply for credit limit enhancement, please send us a copy of any one of the self-attested documents mentioned below from your registered email ID to retail.dox.india@citi.com.

• Latest Individual Income Tax Return along with the computation of income. (or)

• Latest 2 months' pay slip or Salary Certificate.(or)

• Form 16 (duly attested and sealed by authorized signatory with the name and designation of the same mentioned).

Alternatively, you may send us a signed written instruction along with a self-attested copy of the document as mentioned above to:Citibank N.A, Mail Room, Acropolis 9th floor, Dr. Radhakrishnan Salai, Mylapore,
Chennai - 600 004.

Kindly note: Please mention your Citi Credit card number for which credit limit increase is required, while submitting the above documents.

The credit limit of your card account can be reduced to the minimum credit limit applicable for the card. However, credit limit enhancement in future will be subject to eligibility at the time of credit enhancement request.

To decrease the credit limit of your credit card, kindly contact our 24*7 CitiPhone banking services. You can also write to us though the 'Your Queries' option in Citibank online by logging into your account.

The eligibility for credit limit enhancement is dependent on various credit parameters and card performance. For limit enhancement on your credit card, you can upload the required documents mentioning your Citibank Credit card number through Citibank Online. Your request for credit limit enhancement will be reviewed on receipt of the documents.

You can submit the required documents through any of the following channels:

• Online: Please click here to upload the documents online.

• You can send a copy of self-attested documents from your registered email ID to retail.dox.india@citi.com

• You can mail the documents to Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004

Your request for credit limit enhancement will be reviewed on receipt of these documents.

To apply for credit limit enhancement, please upload a copy of any one of the documents mentioned below:

• Latest Individual Income Tax Return along with the computation of income (or)

• Latest 2 months' pay slip or Salary Certificate (or)

• Form 16 (duly attested and sealed by authorized signatory with the name and designation of the same mentioned)

Please mention your Citi Credit card number for which credit limit increase is required, while submitting the above documents.

You can submit the above mentioned documents through any of the following channels:

• Online: Please click here to upload the documents online.

• You can send a copy of self-attested documents from your registered email ID to retail.dox.india@citi.com

• You can mail the documents to Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004

Your request for credit limit enhancement will be reviewed on receipt of these documents.

'Credit Limit Increase' offer refers to a pre-qualified offer for increase in credit limit for your credit card. There are no documents required for such an offer and you can share your consent to process the same via any of the following channels:

• Send a blank email from your registered email ID to cards.service@citi.com with the subject line "I accept increase in credit limit" OR

• SMS YES CLI to 52484 or +91-9880752484 from your registered mobile number OR

• Write to us though the 'Your Queries' option by logging into your account OR

• Call our 24*7 CitiPhone banking service

If you have two active primary Citibank credit cards and you wish to close one card, you have the option to transfer the credit limit of the closed card to the active card to enjoy a higher limit, using one card. This sums to line consolidation.

The reward points accumulated on the closed card will be transferred to the active card in the ratio applicable depending on the card type and will be subject to terms and conditions. However, the outstanding balance and loans on the closed card will not be transferred to the active card. Hence, complete payment will have to be made on the closed card as per the latest statement.

A part of the credit limit assigned to your card account can be used to withdraw cash. This is 'cash limit'. The assigned credit limit has cash limit included in it.

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

To view the cash limit - Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Cash Limit' is mentioned in the summary of the card.

The billed outstanding balance is a sum of unpaid charges billed to your card account during your bill cycle. It includes purchase, purchase returns, payments, insurance premiums, EMIs, fees interest and charges. The outstanding amount for a particular month along with the payment due date is communicated to you through monthly statements and CitiAlerts. Your credit card statement will be generated on a specific day every month depending on your billing cycle.

To know the Credit Card Outstanding and your Available Credit Limit:

• Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Balance' is mentioned in the summary of the card. (OR)

• You can SMS, 'CARDBAL XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484 (OR)

• You can download Citi Mobile APP to get the information. (OR)

You can contact our 24-Hour CitiPhone Banking helpline.

Please note:

• Statements will not be generated for the month in which there are no transactions.

• When there is an excess balance in your credit card account, the account will show a negative balance. The excess balance will be adjusted against future purchases incurred on your credit card.

The payment due date for a particular month is communicated through the monthly statements and CitiAlerts. We ensure that you get a minimum period of 17 days to a maximum of 23 days, to make the payment from the date of statement generation depending on the outstanding dues repayment history.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

• Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

• You can download Citi Mobile APP to get the information. (OR)

• You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

The 'Minimum Amount Due' is the minimum amount you are required to pay, on or before the payment due date, to maintain your card account in good standing. By calculating a minimum amount, the bank ensures that you are able to repay a portion of the principal outstanding every month. The Minimum Amount Due is calculated as 5%^* of your balance outstanding OR the sum of all installments, Interest/other bank charges, the amount utilized over the credit limit, if any and 1% of remaining balance outstanding, whichever is higher. Any unpaid Minimum Amount Due from previous statements will also be added to your current Minimum Amount Due to arrive at the Total Minimum Amount Due.

The minimum amount due for a particular month is communicated to you through monthly statements and CitiAlerts.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

• Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

• You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline.

The Total Amount Due is total of all the transactions made on the card in the current billing period in addition to the previous carried forward balance on the card, if any. It includes purchase, purchase returns, payments, insurance premiums, EMIs, fees interest and charges.The total amount due for a particular month is communicated to you through monthly statements and CitiAlerts.

To know your Total Amount Due, Minimum Amount Due and Payment Due Date:

• Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Total Amount Due, Minimum Amount Due and Payment Due Date' is mentioned in the summary of the card (OR)

• You can SMS, 'STMT XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484 (OR)

• You can download Citi Mobile APP to get the information.

Available balance is the amount of credit available to use for purchases. Your available balance is usually your credit limit minus your outstanding balance, but it could be lower if your approved transactions are pending to be billed to the card account or if you have authorized a merchant to block an amount as pre-authorization for a transaction. Your limit can also be lower, incase emi products are availed as active EMIs running on the card block your credit limit.

To know the Credit Card Outstanding and your Available Credit Limit:

• Go to 'View account summary' in your Citibank Online home page - > Choose Credit Cards - > Choose the particular card -> 'Balance' is mentioned in the summary of the card (OR)

• You can SMS, 'CARDBAL XXXX' to 52484, from your registered mobile number. XXXX denotes last 4-digits of your Credit Card number. For subscribers other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484 (OR)

• You can download Citi Mobile APP to get the information.

Incase your payments or purchase refunds exceed the outstanding balance, your card would show a credit balance.

This balance can be identified through your monthly statements or through your Citibank online account. Rest assured, the credit balance will get adjusted against your future purchases or charges.

If incase you need the excess balance refunded, please contact our 24-Hour CitiPhone Banking helpline.

Your card will be active till the last day of the month of expiry. The existing card will be renewed automatically and dispatched 2 weeks prior to the expiry of the card. This is applicable for renewal of add-on cards as well.

For example, if your card is due to expire in April 2017, the same will be active till April 30, 2017 and the renewed card will be dispatched around the second week of April. If the old card is valid through 04/17, then the renewal card will be valid from 05/17. On expiry, the existing card plastic will not be valid for usage.

The renewed card will have the same card number, however the CVV and expiry date will differ. For security purpose, we request you to destroy the expired card plastic

The renewal of a credit card is subject to card member Terms and Conditions (reference page 33 point 23.2.).

The following are some of the other circumstances in which your card may not be renewed:

• Dishonored cheque payment

• Delinquent (non-payment of card dues)

• Contact details not updated / incorrectly updated due to which you are not contactable by the bank.

Kindly click here to login Citibank online and update your contact details.

If you are unable to login, please call 24-hour CitiPhone Banking helpline.

You may need your existing card to be reissued in the following circumstances:

• Card damaged

• Card lost / stolen (A reissue fee of Rs.100/- may be applicable based on card type)

To get a new card in place of an existing damaged card, you can contact our 24-Hour CitiPhone Banking helpline.To get a new card in place of lost/stolen card you can:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN.

STEP 2: Click on "Credit card" tab on the left side of screen.

STEP 3: Click on "Other Services and Queries" on the left hand side.

STEP 4: Click on "Report lost/stolen card".

The screen that opens up will guide you through the procedure to be followed.

Alternatively you can download Citi Mobile APP to get the information.

Alternatively, you can contact our 24-Hour CitiPhone Banking helpline to report your card lost or stolen .

To get a new card in place of lost/stolen card you can:

STEP 1: Login to www.citibank.com/India and access your account using the IPIN.

STEP 2: Click on "Credit card" tab on the left side of screen.

STEP 3: Click on "Other Services and Queries" on the left hand side.

STEP 4: Click on "Report lost/stolen card".

The screen that opens up will guide you through the procedure to be followed.

Please note that, when a lost card is blocked, your access to view your credit card account online will also be blocked, until a new card is re-issued. In case you did not choose to reissue a new card at the time of blocking, you can now contact our 24-Hour CitiPhone Banking helpline for re-issuance.

A new card may be issued to you in the following circumstances:

• Renewal of an existing card (OR)

• When a credit card product is withdrawn and replaced with a different card product.

Please note that, prior to issuance of a new card, a letter communicating the same will be sent to your registered mailing address (except for renewal cards). Please contact our 24-Hour CitiPhone Banking helpline, to know the reason for issuance of a new credit card not requested by you.

To get a new card as a replacement for an existing damaged card, you can contact our 24-Hour CitiPhone Banking helpline. The existing card will be blocked and a new card will be sent to your registered mailing address.

The new card will have a different card number and CVV. For all financial and accounting purposes, both the cards are treated the same. You can use the existing Internet Banking Password (IPIN) for the new card as well. Any Standing Instruction / ECS maintained on the card account will be automatically transferred to your new card on the best effort basis.For your Billpay transactions and 3rd party Standing Instructions to get processed, it is necessary that the online transaction functionality is activated on your Citi Credit Card. You can enable the same and set limits for transactions by logging into Citibank Online or your Citi Mobile App.

Please note that the old card will be active for a period of 60 days or card expiry date whichever is earlier for swipe / EDC transactions. This is to ensure that you are not adversely impacted in case of any delay in receipt of the new card. On receipt of the new card, we request you to destroy the old card.

On re-issuance, the new card will be dispatched and delivered to the registered mailing address within 4 working days from the day of reissuance.

Please note that, on re-issuance, the card cannot be held with us for dispatch at a later date. If you wish to receive the new card at a later date, please raise request for re-issuance at a time convenient for you to receive the card.

The Airway Bill number (courier reference number) is sent to your registered mobile number immediately on dispatch of the card.

You can track the status of the shipment using the Airway Bill number by visiting the courier websites given below:

• BLUE DART - www.bluedart.com

• SPEED POST - www.indiapost.gov.in

• DHL - http://www.dhl.co.in

Click Here for Live Chat to check the status of card dispatch and the dispatch details.

To receive your card at a new mailing address, please click here, to login to your account using your User ID and Internet Password (IPIN) and change your mailing or non-mailing address. Please contact our 24-Hour CitiPhone Banking helpline to check the address to which the card is dispatched and if needed place a request to re-direct the card to the new address.

The credit card will be delivered only at the registered mailing address and only to the card holder. However, if the card holder is not available at the time of delivery, the card can be delivered to a family member (parents/spouse/children/sibling), subject to verification of identity proof. Citibank credit cards will not be delivered to a third party. However, on request from the card holder, the card can be delivered to the third party only on furnishing a letter of authorization from the card holder along with an identity proof of the third party.

Personal Identification Number (PIN) is an encrypted code, which is issued to customers to help identify themselves over various access channels. The different types of PINs issued and the access channels are as follows:

• APIN (ATM Personal Identification number) - It enables to perform various functionalities at the ATM and required for swipe transactions.

• IPIN (Internet Personal Identification number) - It enables to access your card account online and through mobile application.

• TPIN (Telephone Personal Identification number) - It provides access to transact through our 24-Hour Citibank Online.

ATM PIN

APIN (ATM Personal Identification number) - It enables to perform various functionalities at the ATM and validate 'Point of Sale (POS) transactions.

Internet PIN

IPIN (Internet Personal Identification number) - It enables to access your card account and transact online (CBOL). IPIN is also used to validate online transactions

Telephone PIN

TPIN (Telephone Personal Identification number) - It provides access to transact through our 24-Hour CitiPhone Banking helpline.

You can select your APIN instantly through the Interactive Voice Response (IVR) system. Alternatively, you can place an online request for a new ATM PIN to be issued to you or by contacting our 24-Hour CitiPhone Banking helpline.

On receiving your request,the ATM PIN will be dispatched within 48 hours of receiving your request and will be delivered at the registered mailing address within 4-7 working days of dispatch. The Airway Bill number (courier reference) is sent to your registered mobile number immediately on dispatch of the PIN pertaining to your credit card. You can track the status of the shipment using the Airway Bill number by visiting the courier websites.

Please contact our 24-Hour CitiPhone Banking helpline if you have not received the consignment within 4-7 working days.

To receive the PIN at a new mailing address, you can visit Citibank Online, login to your account using your User ID and Internet Password (IPIN) and change your mailing and non-mailing address. Please contact our 24-Hour CitiPhone Banking helpline. to check the address to which the PIN is dispatched and if needed place a request to re-dispatch the PIN to the new address.

A chip credit card is a card with a microchip embedded in it. When a chip credit card is used at a chip enabled terminal at a merchant outlet or at an ATM, the payment system reads information from the Card chip to establish the Card details. An EMV Chip & PIN Card mandates the use of a Personal Identification Number (PIN) to authorize purchase transactions.

The chip offers a more secure payment mechanism compared to the traditional magnetic stripe, and reduces the probability of skimming, i.e., copying of personal data from the information stored on the card.

A suspicious transaction is when

• Customer gets an alert of financial / non-financial transaction which is not attempted by him/her and

• Card is in customer possession and

• Customer is not aware of or is not expecting any such attempt or transaction on his/her card/account

Transactions are of two types;

• Point of sale transaction (POS)

• Online transaction

A POS or a swipe transaction may be authenticated by an ATM PIN, where the card is dipped inside the chip terminal or swiped on the EDC machine and the PIN and/or signature is required to complete the transaction. For instance, payments made at a restaurant or retail store.

Online transactions for purchase of products or services over electronic systems such as internet and other computer networks. For instance, buying a book on a merchant website or mobile application. Online transactions authenticated by an OTP (One Time Password)are secure transactions. This additional security feature will be applicable on 3D secure enabled merchants only and hence may not be applicable at certain domestic and most international merchants.

Online transactions which do not require an IPIN / OTP authentication are unsecured in nature and may be risky.

If you have received an alert for a transaction you did not make, this may potentially be a misused transaction.

Please block your card immediately through our online banking channel by using your user id and IPIN on citibank.com/india, else you may reach out to us on the numbers given: 1800 425 2484 / 1800 267 2425 to block your card to avoid further misuse and to log a complaint to investigate the misused transaction.

Alternatively, you can download Citi Mobile APP to block the card

Please do not worry. If your card account is billed twice for a transaction which was incurred only once, you may check with the merchant in case it was erroneously done. If the merchant confirms erroneous double debit, and confirms to have claimed the transaction only once, in such case the other transaction will be purged automatically within 7 working days. If the merchant confirmed they will refund the transaction then the same will reflect on your credit card account within 15 working days.

In case if you are not getting proper response from the merchant then please contact our 24-Hour CitiPhone helpline to dispute the same. We will investigate the transaction on your behalf and will keep you updated on the same.

If a transaction which was void / cancelled at the time of incurring, is approved on your card but not billed to the card account, please contact the merchant to provide void / cancellation slip. On acquiring a valid void / cancellation slip / an acknowledgment from the merchant, please forward the same to retail.dox.india@citi.com from your registered email id to cancel the approved transaction and release blocked credit limit

If this transaction is not claimed by the merchant within 30 days, the same will be cancelled automatically and the blocked credit limit will be released. However, if the merchant presents a valid charge slip and claims payment for this transaction, your card will be billed with the transaction amount. In case of that eventuality, you can contact our 24-Hour CitiPhone Banking helpline to initiate a dispute investigation.

If the merchant has initiated a refund for a void/cancelled transaction, please forward the communication received from the merchant along with the 23 digit ARN (Acquirer Reference number) with which the refund was processed, to retail.dox.india@citi.com for us to assist you further.

It may take upto 15 working days for the refund to reflect in the card account. If the refund is not credited in 15 working days please write to retail.dox.india@citi.com to initiate an investigation with valid supporting documents like, merchant refund/credit note/acknowledgement for the cancellation request raised by the customer.

Please note:

• The refund amount will be automatically credited to the new card, if your existing credit card is reissued or swapped to another card.

• If the refund amount is less than the original amount, kindly contact the merchant for further details regarding the same.

A transaction can be disputed for the following reasons:

• Not incurred - Unknown transaction billed to the card account

• Double Debit - Charged multiple times for a single transaction

• Failed / Cancelled transaction - Transaction failed or was cancelled

• Services not rendered / Goods not received

A transaction dispute should be referred to Citibank within 60 days from the date of the transaction. When a dispute is raised for a transaction, depending on the nature of the dispute, a provisional credit to the extent of the amount disputed may be given and an investigation is initiated. This provisional credit will nullify the effect of the disputed transaction on the total outstanding. This is to ensure that, you are not adversely impacted during the period of investigation.

Based on the outcome of the investigation, the provisional credit may be made permanent resulting in no liability from your end for the transaction or reversed, wherein the amount under dispute will be debited to your account and payable by you. We will contact you, if the provisional credit given to the card account is reversed.

To raise a dispute investigation, please contact our 24*7 CitiPhone Banking services.

To download this form, please click here. The details for sending the CDF are provided in the form.

Billing date/cycle is the date on which the statement is generated for your credit card every month. Payment due date is the date by which payment has to be credited to your credit card, to maintain your card account in current status and avoid levy of late payment charges. The payment due date for a particular month is communicated through the monthly statements and CitiAlerts.

You can also login to Citibank Online with your User id and IPIN and view the Billing date or the Payment Due Date. The following are the steps for the same:

Login -> View account summary - > Choose Credit card - > Choose the particular card -> Last Billed Date or Payment due date is mentioned in the summary of the card.

Payment due dates vary from 17 days and 23 days from your billing date, depending on your payment behavior. Billing date and payment due date cant be changed.

You may opt for your credit card statement via -

(1) Statement on email - sent to your registered email address (OR)

(2) Physical Statement - sent to your registered mailing address.

We encourage you to opt for Statement on email as it is a faster mode. The statement will be received on your registered email ID within 24 hours of bill generation. By opting for this option, you also contribute to a greener environment by saving paper.

You may also view your statement Online by logging into Citibank online > Credit Card and choosing the 'e-statement' option. If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration whichever is recent. Alternatively, to avail your statement details:

Duplicate statement request vide Citi mobile app – Please follow the below steps

Step1: Login to your Citi mobile app by using your user ID and IPIN.

Step2: Select home page and go to main menu.

Step3: Select Service Requests.

Step4: Select duplicate statement request.

Step5: Select account.

Step6: Select period.

Step7: Select mode.

You can get your current balance amount or the latest Mini - statement alert in your mobile number within 30 seconds when you SMS to 52484 in the following format: STMT YYYY - Last Credit Card Mini Statement Alert.

CARDBAL YYYY - Credit Card Outstanding and Available Credit Limit.

Please note: YYYY - Last 4 digits of your Credit Card Number. A space needs to be inserted between the keyword and the last 4 digits of the Card Number.

Alternatively, you can download Citi Mobile APP to view the details

Physical statements will be sent to your registered mailing address. You will receive the same within 7 working days from the date of statement generation. All physical statements (original / duplicate) will have the complete card number

If you are not getting your credit card statements delivered at your address, we request you to check if the address provide by you is correct in our records. You can do so by logging onto Citibank Online and going to the 'Your contact details' section on the left menu to check the mailing address registered with us.

You can also register for statement on email for faster delivery. Please click here for the same.

If there is a change in your address: We request you to update it online.

If there is no change in your Address: please call our 24*7 CitiPhone Banking services to check the reasons for non-delivery of statements.

To register for 'Statement on email', please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking' / Credit Card'.

Step 2: Click 'e-Statements' on the left navigation panel.

Step 3: Select 'Account Number' / 'Card number' from the drop down under option 'Register now for e-Statements & Go Green !' and proceed.

You may also register for 'Statement on email' vide Citibank mobile app by following the steps below:

Step1: Login to your Citi mobile app by using your user ID and IPIN.

Step2: Select home page and go to main menu.

Step3: Select Service Requests.

Step4: Select register for e-statement and proceed further.

Your account security is of utmost importance to us. To protect your statement on email, it is sent to you in a 128-bit encrypted format and can only be viewed using your unique password, making it completely safe and secure. A password confirmation window will open asking you to enter the password. You simply have to key in your unique password in the confirmation window. Once the password is confirmed, you can view your statement. The unique password for your Statement on E-mail comes in a 9 character alpha numeric format, which is a combination of the first four letters of your name (as mentioned on your credit card or account statement), followed by DDMMM of your date of birth (in DD/MMM/YYYY format).

For example, if the name on your card or account statement is Rahul Gupta and your date of birth is 01-FEB-1969, then your password will be 'RAHU01FEB'. This password is not case sensitive. Please do not include any spaces, dots or any other special characters while entering the password.

If you are not in receipt of your email statement, please add net.statement@citicorp.com to your personal address book, as certain servers do not deliver mails if the sender address is not maintained in the address book. Also, kindly verify your junk / spam folder as the email address from which the statement is sent may be identified as junk / spam by the server.

You can view your credit card statements online, in 4 easy steps.

STEP 1: Login to www.citibank.com/India and access your account using the User id and IPIN

STEP 2: Click on "eStatements" on the left hand side

STEP 3: Click "View your statement online"

STEP 4: Select the required month from the list of archived statements

If you are registered for e-statements, you can View / Print / Download your e-statements for the last 18 months or from the date of registration whichever is recent.

The option to receive a consolidated annual credit card statement is currently not available.

You can request duplicate in 4 easy steps.

STEP 1: Login to www.citibank.com/India and access your account using the User id and IPIN

STEP 2: Click on "Other Card Services" on the left hand side

STEP 3: Click on "Duplicate Statement"

STEP 4: Select the required month from the list of archived statements

Once the request is placed, you will receive e-statements in 24 hours, physical statements will reach you in 4 working days. You can also choose the instant download option to download the last 18 month statements.

Original statements will be issued only once for a specific billing period. Subsequently, only a duplicate copy will be issued for that billing period.

Alternatively, you can download Citi Mobile APP to place a request.

Physical Statement:

Physical statements are dispatched through post and will be delivered within 7 working days from the date of generation. If you are not getting your card statements delivered to your address, we request you to check if the address provided by you is correct on our records. You can do so by logging onto Citibank Online and going to 'Your contact details' section on the left menu to check the mailing address registered with us.

If there is a change in your address, we request you to update it online. If there is no change in your address, please call our 24-Hour CitiPhone Banking to check the reason as to why statements are not delivered.

Statement on Email:

Statement on email will be delivered to your registered email id within 2 working days from date of generation. If you are not in receipt of your email statement, please add net.statement@citicorp.com to your personal address book, as certain servers do not deliver mails if the sender address is not maintained in the address book. Also, kindly verify your junk / spam folder as the email address from which the statement is sent may have been identified as junk / spam by your email server.

Also, please check if the email id provided by you is correct on our records. You can do so by logging onto Citibank Online and going to 'Your contact details' section on the left menu to check the mailing address registered with us.

If there is a change in your address, we request you to update it online. If there is no change in your address, please call our 24-Hour CitiPhone Banking, to check the reason as to why statements are not delivered.

The reward points earning rate will vary depending on the card type that you hold. To know more about the rewards earning structure, please click here

You can check the reward points summary in:

• Your latest credit card statement or

• By sending an SMS - SMS REWARDS XXXX (where XXXX stands for the last 4 digits of your card number) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or 919880752484 for other subscribers.

To view the various avenues to earn points for each card type, please click on the respective card:

• Citibank Rewards card

• IndianOil Citibank Card

• Citibank Cashback Card

• Citibank First Citizen credit card

• Citibank Premier miles card

• Citi Prestige card

Citibank provides various Welcome bonus offers / points for new credit cards. The terms & conditions pertaining to these offers and the turn-around time for the credit of the bonus points will be communicated at the time application.

To know more about the Welcome offers pertaining to your credit card account, please click here and choose your specific card type. Alternatively, you can contact our 24*7 CitiPhone Banking.

Kindly click on the card type and refer 'Benefits and Features' for the rewards offer details.

Premier miles

Citi Rewards

Indian Oil

Cash Back

The reward points earned on your Citibank credit card are evergreen. For co-brand cards like First Citizen Citibank card, please visit the partner website for the applicable terms & conditions governing expiry of points.

The request for redemption of reward points on a closed card should be placed within 45 days from the date of closure. Reward points on closed cards can be redeemed only against rewards catalog.

To place the request for redemption of reward points on a closed credit card, please contact our 24*7 CitiPhone Banking

Card reissuance

When your card is blocked and reissued, reward points accumulated on the existing card will be transferred to the new card completely. For all financial and accounting purposes, both the cards are treated the same.

Swap

When your existing credit card is converted to another card type, the reward points accumulated on the existing card will be transferred to the new card in the ratio applicable and will be subject to terms and conditions. The ratio of points will vary depending on the card chosen to convert. Click here for points transfer grid.

Line consolidation

When you wish to close one credit card, and transfer the credit limit on the closed card to the active card, the reward points accumulated on the closed card will be transferred to the active card in the ratio applicable and will be subject to terms and conditions. The ratio of points transfer will vary depending on the card type.

Reward points accumulated on your credit card account can be redeemed in the following ways:

• Instant Redemption via SMS at outlets In-store shopping redemptions at select merchants

• Instant Redemption via SMS against fuel purchases (at select IndianOil outlets)

• Redemption via Citibank Online for qualifying purchases at select merchants

• Redemption against Air miles via Citibank Online and Citi Mobile App

• Redemption against card outstanding via Citibank Online and Citi Mobile App

• Redemption against Gift Vouchers of select brands

Please note that for redemption against card outstanding, following are the minimum points to be maintained: 10,000 reward points for Citi Rewards & IndianOil Citi Card & 250 reward points for Citi Prestige Card.

The option for redemption will vary depending on the type of credit card. Please click here to know more about the redemption options available for your credit card.

Note: Reward points accumulated on a credit card account cannot be clubbed or transferred to another credit card account or savings account or en-cashed. However, reward points accumulated on your credit card will be transferred to a new card in the applicable ratio in the following scenarios:

• Card reissuance
• Conversion / Upgrade of card
• Line consolidation

To redeem your reward points, please click here.

1) Instant reward redemption

Pay for almost anything with Citi Reward Points

Just an SMS. It’s that simple! Anything. Anywhere

Transact using your Citi Credit Card

An SMS will be sent with a redemption link to your mobile number registered with Citi

Step 3:

Click on the link and select the number of points to redeem

Step 4:

Upon confirmation of successful redemption the credit against points redeemed will show in your next statement

2) Pay with points via Citibank Online

Pay for almost anything with Citi Reward Points via Citibank Online

Transact using your Citi Credit Card

Login to CitibankOnline and click on ‘Pay with Points’ under ‘Redeem Rewards’ section

Step 3:

Click on eligible transaction under ‘Pay with Points'

Step 4:

Upon confirmation of successful redemption the credit against points redeemed will show in your next statement

Citibank Rewards catalogue is one of the options you can use to redeem your Citibank Reward Points. The catalogue offers you a wide range of options with gift vouchers from great brands across apparel, accessories, books, music, entertainment, dining, travel and many more categories.

This option is currently available for the following card types:

• Citibank Rewards card: Minimum Points Required for redemption = 1500

• Indian Oil Citibank credit card: Minimum Points Required for redemption = 500

• Citibank Premier Miles card: Minimum Points Required for redemption = 1000

• Citi Prestige card: Minimum Points Required for redemption = 1000

Please click here to redeem reward points against gift vouchers. On successful redemption, the e-gift vouchers will be delivered to the email id and the mobile number maintained on your card account with 2 working days

Note: The option to redeem reward points for gift vouchers will vary depending on the type of credit card.

Citibank offers 2 options to redeem reward points earned on the credit card against fuel transactions at over 940 participating IndianOil outlets.

1) Via an Instant SMS: Once you transact at an eligible IOC outlet using your Citibank credit card, you will receive an Instant SMS(if you have sufficient points) with a redemption link, at your registered mobile number. Simply click on the link and select the number of points you wish to redeem for your fuel transaction.

2) Via ‘Pay with Points’ on Citibank Online: Once you transact at an eligible IOC outlet using your Citibank credit card, the eligible transaction will show up under “Pay with Points” under the “Redeem rewards” section when you login to Citibank Online. Simply click on the eligible fuel transaction to redeem rewards against it.

Please click here for a list of participating IOC outlets across India. Alternatively, you can SMS IOC < PIN CODE> to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or to + 91 9880752484 for other subscribers closest to you. If you have any difficulty in redeeming reward points for a fuel transaction, please contact our 24*7 CitiPhone Banking services.

Note: The option to redeem reward points at IOC outlets will vary depending on the type of credit card.

Reward points earned on your credit card can be transferred as Air miles as part of the Frequent Flyer program. To transfer the reward points to air miles, you can call our 24*7 CitiPhone Banking services and place a request. It may take 7-15 working days for the air miles to reflect on your frequent flyer account depending on the airline partner to whose account the points are transferred.

Note: The option to redeem reward points against Air miles will vary depending on the type of credit card.

Request for reward redemption can be placed via any of the below ways:

• Citibank Online:
  • Login to Citibank Online with your User ID and IPIN
  • Click on “Redeem Rewards” on the left navigation panel
  • Select your credit card and click on “Cashback”
• Citi Mobile App:
  • Login to Citi Mobile App with your User ID and IPIN
  • Select your credit card in the account summary section
  • Click on Rewards and select “Cashback”
• Alternatively, Contact us at 24x7 CitiPhone

Non-customer initiated payment / credit such as reward redemption credit/cash back received into the account after statement generation are not considered as a credit to settle the payment towards Minimum Amount Due. You will need to ensure payment of the Minimum Amount Due in time to avoid levy of late payment charges.

Reward points accumulated on your card account cannot be redeemed as cash or transferred to your savings account.

Reward points redemption while shopping online is possible for eligible transactions at select merchants

1) Instant reward redemption

Pay for almost anything with Citi Reward Points

Just an SMS. It’s that simple! Anything. Anywhere

Transact using your Citi Credit Card

An SMS will be sent with a redemption link to your mobile number registered with Citi

Step 3:

Click on the link and select the number of points to redeem

Step 4:

Upon confirmation of successful redemption the credit against points redeemed will show in your next statement

2) Pay with points via Citibank Online

Pay for almost anything with Citi Reward Points via Citibank Online

Transact using your Citi Credit Card

Login to CitibankOnline and click on ‘Pay with Points’ under ‘Redeem Rewards’ section

Step 3:

Click on eligible transaction under ‘Pay with Points’

Step 4:

Upon confirmation of successful redemption the credit against points redeemed will show in your next statement

To know about the various charges applicable on your Citibank credit card, please Click here and choose your card type.

Annual fee for renewal of card membership is payable by the card member on or before the credit card account relationship anniversary. The relationship anniversary will be the date on which the Citibank credit card account was opened.

The annual fee, as applicable, will be directly billed to the credit card account and the same will reflect in the statement of the concerned month in which it is charged. We will communicate the joining fee and annual fee applicable for both primary and additional card at the time of sourcing.

For further enquiry regarding card fees, you can also:

• Visit Citibank Online select the card type you wish to view details for (OR)

Click here to compare features of various cards.

Late Payment charges will be applicable if the Minimum Amount Due (MinAD) on the card is unpaid after the Payment Due Date (PDD). This charge is also applicable when the payment made is less than the minimum amount due by the payment due date.

Late payment charges are levied within 3 days post the payment due date. Late payment charges would be levied based upon the total amount due on the card as of the previous statement, as per the following bands:

• NIL for statement balance up to Rs.2000

• Rs.600 for statement balance above Rs.2000 and up to Rs.7500

• Rs.950 for statement balance above Rs.7500 and up to Rs.15000

• Rs.1300 for statement balance above Rs.15000

Note: For Citi PremierMiles and Citi Prestige card members, NIL for statement balance up to Rs.2000 and Rs.100 per month for statement balance above Rs.2000

Interest charge is applicable if you do not pay the Total Amount Due, as per the latest statement, in full (100%) by due date and also on all Cash Advances from the date of transaction till the date of settlement.

Interest charges are calculated by the Average Daily Balance method and will apply to all balances carried forward and to fresh billing. Interest charges levied will be based on usage and payment patterns and are subject to periodic review.

Payment received for card outstanding are allocated in the following order:

• Tax

• Fees

• Interest Charges

• Cash withdrawals

• Purchases

For a detailed description on interest charge calculation, please click here.

Whenever cash is withdrawn from your credit card, a Cash Advance fee is applicable.

Pls refer Schedule of Fees & Charges for your reference.

This charge is applicable over and above the interest charges levied for cash advance from credit cards.

If you make a transaction /cumulative transactions that exceed the available credit limit on your card, the bank shall use its sole discretion and decide whether or not to approve the transaction. The bank's decision on approval of such additional temporary credit line would be basis your past card performance history.

In such instances when the outstanding/dues exceed the credit limit assigned, an over-limit charge would be levied to the card account and the Over the Credit Limit (OCL) charges are applicable on total outstanding exceeding the credit limit assigned. OCL is charged at the rate of 2.5% of the amount over the credit limit (subject to a minimum of Rs.500)

For details of these charges and to refer to the Schedule of Charges published in the MITC, please click here and choose your card type. Please note that, these charges are liable to change, with notice, from time to time and at the sole discretion of Citibank.

When a fuel transaction is made at an Indian Oil outlet without a tie-up with Citibank, or used at a non-Citibank EDC machine, a transaction charge @ 1% on the transacted amount or Rs. 10.00 (whichever is higher) will be applied. GST @ 18% will be levied on all charges including fees, interest and other transaction charges. Please ensure that your card is used only at a registered IOC outlet and is used only on a Citibank EDC Machine to avoid these charges.

Please click here to view a list of registered Indian Oil outlets.

No charges will be applicable when a lost/ stolen card is reissued. For more details, please click here to refer to the Schedule of Charges.

The normal turn-around time for processing of cheque payments is 3 to 14 working days (for outstation cheques).

To avoid any processing fee for outstation cheque payments on your Citi card, we recommend that you explore other non-chargeable modes of payment such as online bank transfers or NEFT/RTGS. These options also have a same day credit of payment.

1) Pay via your Citibank Account Online or through the Citi Mobile^® app.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Outstation Cheque Fee

When a cheque payment is made for your credit card and if the same is payable at a location where we do not have a Citibank branch, an Outstation Cheque fee is applicable. This charge is levied to cover the cheque collection charges. This charge will vary depending on the value of the cheque / instrument:

• Upto Rs.10000 - Rs.50 per cheque

• Rs.10001 to Rs.100000 - Rs.100 per cheque

• Above Rs.100001 - Rs.150 per cheque

To avoid any cheque bounce fee on your Citi card, we recommend that you explore other non-chargeable modes of payment such as online bank transfers or NEFT/RTGS. These options also have a same day credit of payment.

1) Pay via your Citibank Account Online or through the Citi Mobile^® app.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Cheque Payment Bounce Fee

When payment made through cheque / NACH/ ECS is returned due to financial reasons, bounce charge is applicable.

Pls refer to Schedule of Fees & Charges for your reference.

A surcharge is applicable for every railway transaction done at IRCTC. The surcharge is applicable at the following rate:

• Over the counter booking - 2.5% of the transaction value (subject to a minimum of Rs.25)

• 1.8% of transaction value for internet transactions

• 2.8% of transaction value for EMI transactions.

The foreign currency mark-up charge is for facilitating international purchases on your card and covers the cost of currency conversion. Foreign currency (Non-U.S. Dollar) transactions on credit card are converted into U.S. Dollars (which is the currency denomination used by the Associations - MasterCard, Visa International, etc, for settlement of international transactions) and then the U.S. Dollar amount is converted into Indian Rupees. U.S. Dollar transactions are converted directly into Indian Rupees.

The following fees are charged on International transactions:

• Foreign currency exchange rate as per the rate applicable on the day the merchant is claiming the transaction.

• Citibank Mark-up charges - charged at 3.5% of the billing amount

• Goods and Services Tax (GST) as determined by the Government of India from time to time, is applicable on mark-up charges

For further details, please click here to refer to the Schedule of Charges.

To avoid any processing fee charges for making cash payments on your Citi card, we recommend that you explore other non-chargeable modes of payment such as online bank transfers or NEFT/RTGS. These options also have a same day credit of payment.

1) Pay via your Citibank Account Online or through the Citi Mobile^® app.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Cash Payment Processing Fee for Credit Card Payment

When payment for your credit card is made in the form of cash deposited at a Citibank branch a fee of Rs.250/- is applicable.

GST is a comprehensive destination based 'consumption tax' levied on the supply of all goods and services.

Any person making taxable supplies of goods and services would be required to charge Central GST ('CGST') & State GST ('SGST')/ Union Territory GST ('UTGST') on intra-State supplies and Integrated GST ('IGST') on
inter-State supplies.

You can make the payment to your Citi Credit Card in a number of ways.

The various modes of payment are:

• Payment via Citibank Online.
  

  Please Click here to pay from your Citibank Savings account.

• Payment via Citi Mobile^® App.
  

  Step1: Login to your Citi Mobile^® app by using your User ID and IPIN.

  Step2: Select home page and go to menu options.

  Step3: Select Credit card Bill Payment option.

  Step4: Further, select the Credit card number for payment, enter the amount, and click on Make Payment. Alternatively, you may also simply click on your credit card from account dashboard & click on 'Make a Payment' option

• Online Payments from other bank account

• IMPS - Same day credit of payment available

• NEFT - Same day credit of payment available

• Epay - 2/3 days for credit of payment
• Payment via Citibank Account - such as Standing Instruction (SI).
• Payment through Automated Clearing system (NACH).
• Payment via Cheques
• Cash deposit at Branch.

For any assistance, kindly Click here for Live Chat.

The normal turn-around time for processing of cheque payment is 3 working days.

We recommend that for a hassle free, same day credit of your Citi Card payment, to explore other faster, digitized modes of payment as given below:

1) Pay via your Citibank Account Online or through the Citi Mobile^® App.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Cheque Payments:

To make payments to your credit card via cheque, please make your cheques /drafts payable to ‘Citibank credit card no.’ (mention your 16 digit card number). Kindly mention your name and contact number on the reverse of the cheque/draft. You can simply drop your cheque/draft into the drop boxes placed at Citibank ATMs. Click here to view a list of drop boxes. The normal turn-around time for processing of cheque payment is 3 working days.

You will receive an alert message on your registered mobile number, on receipt of the cheque and credit of the payment. The blocked credit limit equivalent to the value of the cheque will be released on realization of cheque. If you do not receive the alert, please call our 24x7 Citiphone Banking services to know status of your cheque.

The normal turn-around time for processing of cheque payments is 3 working days.

To avoid a miss on your timely Citi card payment, we recommend that you explore other faster, hassle free & digitized modes of payment as given below.

1) Pay via your Citibank Account Online or through the Citi Mobile^® App.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Non - credit of Cheque Payment:

If there is any discrepancy in the cheque, the cheque payment will not be credited to the card account. Some of the reasons for discrepancy are mentioned below:

1. Card number not mentioned/invalid card number.

2. Cheque not signed.

3. Cheque is altered.

4. Amount in words & figures mismatch.

5. Date not written/ invalid date/ cheque is stale/ outdated.

The normal turn-around time for processing of cheque payments is 3 working days.

To avoid a miss on your timely Citi Card payment, due to a cheque return, we recommend that you explore other faster, hassle free & digitized modes of payment as given below:

1) Pay via your Citibank Account Online or through the Citi Mobile^® App.

2) Alternatively, pay via any other Bank Account using the NEFT/ RTGS.

3) View other payment options, Click here.

Return of Cheque Payment:

A cheque payment can be returned due to 'Financial / Non-financial reasons. The following are some of the reasons for which a cheque can be returned:

Financial reasons:

• Insufficient Funds

• Funds Expected

• Account Closed

Non - financial reasons:

• Unsigned cheque

• Date not mentioned

• Amount in words and figures not mentioned / incorrectly mentioned

• Alteration in the cheque

If a cheque is returned due to financial reasons, a bounce charge of Rs.500/- is applicable. For more details, please click here to refer to the 'Schedule of Charges'.

Cash payment for your credit card can be deposited at Citibank branches. A fee of Rs. 250 per deposit is applicable. For payments greater than Rs.50,000/- PAN card verification is mandatory. Cash payment for your credit card at a Citibank branch can also be made by a third party. The turn-around time for crediting the payment is 24 hours. Please click here to view the list of Citibank branches.

The following are the various modes of online payment:

Financial reasons:

• NEFT / RTGS - With the NEFT option, you can have funds credited to your credit card even when you pay through a non-Citibank bank account. You will have to add your Citibank credit card as a beneficiary to initiate fund transfer. You can use the RTGS option if you want to transfer an amount equal to or greater than Rs. 2 lakhs.

• E-Pay - Citibank's E-Pay lets you pay your credit card bills online even if you don't have a Citibank account. This will normally take 2 working days (excluding Saturdays & Sundays) to be credited into your account. Please click here to E-Pay now.

You can initiate payment of your Citibank credit card via NEFT in 3 simple steps.

Step 1: Login to your bank account

Step 2: Choose the Payee option as 'Credit card payment' (if available with your bank)

Step 3: Provide the payee details for funds transfer. The Payee details to be provided are as follows:

Payee Name: Name as it appears on your Citibank Credit Card

Payee Account Number: Valid latest Citibank credit card number

Bank Name: Citibank N.A

Payment Account Type: Select any account type

IFSC Code: CITI0000003

Branch Address: CHENNAI (Customers residing in any city can initiate a payment using CHENNAI IFSC code CITI0000003)

The actual time taken to credit the account depends on the time taken by your bank to process the payment.

Please initiate your funds transfer before 05:30 p.m from Monday to Saturday (Except 2^nd and 4^th Saturdays) for same day credit to your Citibank credit card. Funds transfer request made on non-working days will get executed on the following working day. Citibank is not responsible for any charges/commission of any kind levied/charged by the originating bank.

With Citibank Online credit card payment options you can set up a standing instruction to pay either the minimum amount due or total amount due of your credit card statement. It is an instruction given by you to Citibank for debiting your Citibank account and make payment to your Citibank credit card.

You can register a Standing instruction by logging to your online account or contacting our
24*7 CitiPhone Banking services.

The final amount post adjustments will be executed on the payment due date. However, if the payment due date falls on a day succeeding a Sunday or public holiday, the requisite funds will be debited from the bank account a day prior to the payment due date and the card will be credited on the payment due date.

The amount debited from your Citibank account for SI execution depends on the credits (customer-initiated payments, merchant refunds, reward redemption credit/cash back, charge reversal, etc, if any) and debits(payment reversals) received into the account after the last statement generation date up to a working day prior to the payment due date. SI execution works on the logic that, lower of the Minimum Amount Due or the difference between Total Amount Due and credits will get executed.

You can cancel a Standing instruction by logging to your online account or contacting our 24*7 CitiPhone Banking services.

Please refer to Cardmember Terms & Conditions for further details.

You can opt to set up a National Automated Clearing House (NACH) facility for payment of your card bills automatically from your other bank savings account. NACH can be for Total Amount Due (TAD) or Minimum Amount Due (MAD) or Fixed Amount due (FAD). Payment is credited on the PDD with the hold period ranging from 3-5 days.

• Reduced timelines around verification of the instruction.

• An overall faster implementation cycle.

• Standardized instruction format.

• UMRN (Unique mandate registration reference number) will be available, which will allow for better tracking.

• Same day presentation and settlement, including returns processing.

• Well defined Dispute Management System; electronic platform to raise and resolve issues. Reviewed by the NPCI.

Please note that, the amount debited from your savings account for ECS/NACH execution depends on the credits (customer-initiated payments, merchant refunds, reward redemption credit/cash back, charge reversal, etc, if any) and debits(payment reversals) received in the account after the last statement /bill generation date up to a working day prior to the payment due date. ECS/NACH execution works on the logic that lower of the Minimum Amount Due or the difference between Total Amount Due and credits will get executed. For further details please refer to Cardmember Terms & Conditions.

Please contact our 24*7 CitiPhone Banking services to know the status of a NACH registration or to cancel an ECS/NACH registered in your card account.

When there is an excess balance on your credit card account, the account will show a negative balance. The excess balance will be adjusted against future purchases on the card account. To claim a refund of the excess balance or to transfer the excess balance to another linked Citibank credit card, please contact our 24-Hour CitiPhone Banking helpline.

To avoid any late payment or interest charges, it is recommended that you pay the amount in full on or before the due date. This will save you from paying any interest charges or late fees. If a part payment is made, there would be no interest free period and interest charges would be applicable (including on fresh purchases, if any) and will be calculated using the average daily balance method. Please ensure that you pay at least the Minimum Amount Due before or on the due date to avoid any late payment charges. Non-payment of at least the Minimum Amount Due will be reported in the monthly submissions to the credit bureaus, authorized by the Reserve Bank of India (RBI). Non-payment may also lead to disruption in credit card services.

Citi alert is an internet-based notification system that you can use to know up-to-date about your account information. You can receive these alerts as an SMS or as E-mail. You can control the frequency of these messages. You can choose to receive these messages:

• Periodically, such as, once week or once a day

• As and when an event occurs.

You can choose to receive reminder messages for bill payment or status of any account activity. Accordingly, alerts will be sent to your registered mobile number and email id when a payment is credited to your credit card account.

Please click here to know more about this service.

You can initiate payment of your Citi credit card via IMPS in 3 simple steps.

Step 1: Login to your bank account

Step 2: Choose the Payee option as 'Credit card payment' (if available with your bank)

Step 3: Provide the payee details for funds transfer. The Payee details to be provided are as follows:

Payee Name: Name as it appears on your Citi Credit Card

Payee Account Number: Valid latest Citi credit card number

Bank Name: Citibank N.A

Payment Account Type: Select any account type

IFSC Code: CITI0000003

Branch Address: CHENNAI (Customers residing in any city can initiate a payment using CHENNAI IFSC code CITI0000003)

Your credit line is released within 30 minutes of IMPS payment. However, please note that the credit card statement is updated only on the next working day. Citibank is not responsible for any charges/commission of any kind levied/charged by the originating bank.

Loan on Phone is a loan given on your Citibank credit card. The loan can be availed against your available credit limit. In some cases, the loan can even be over and above your credit limit. You can avail instant loan on your credit card, subject to a few conditions and eligibility as determined by the bank's policy. Eligible card holders can avail the loan by contacting our 24*7 CitiPhone Banking services / Citibank Online/ by confirming to the telecalling unit when contacted for the same.

Loan on Phone can be availed without any identification documentation, post-dated cheques or down payment. To check if you are eligible for Loan on Phone or to know the status of a loan applied for, please contact our 24*7 CitiPhone Banking services

Note:The proposed end-use of the loan amount should be declared at the time of loan booking. It is mandated that the loan cannot be used for business purposes, and/or purchase of gold/gold bullions/ gold coins/gold jewelry/ gold exchange traded funds/ gold mutual funds and for speculative or trading purposes such as shares and short term investments like KVP, PPF,NSC, Mutual Funds, fixed deposits, RBI bond, ULIP and for subscription into Citi offered wealth management, Insurance products or similar products. Citi prohibits the usage of unsecured loans for investments into Citi wealth management and insurance products

Interest charges are calculated by the reducing balance method. For new loans interest rate is dynamic and can change month on month based on business decision. The rate of interest and the EMI amount will be communicated at the time of processing the loan.

The first EMI gets billed in the immediate statement that is sent to you post availing the loan.The EMI will be billed in the monthly credit card statement and also included as part of the Minimum Amount Due every month.

In case the loan is booked against the credit limit, the entire loan amount blocks the credit limit on the card. As and when the loan installments are billed on the card and paid, the limit will be released up to the principal component.

Citibank provides 'Loan on Phone' offers to eligible customers. If you are eligible for the offer, you will receive a notification through your online account / your registered email id. To avail the offer, please follow the instructions mentioned in the offer mail or contact our 24*7 CitiPhone Banking services.

The loan draft will be issued in the name mentioned on your credit card. The draft will reach you within 3 working days of receiving your request. We closely monitor the dispatch and delivery of drafts and we shall ensure that it reaches you within 3 working days.

However, feel free to call us any time at our 24*7 CitiPhone Banking services numbers, (mentioned at the back of your Credit card) and inquire about your draft delivery/dispatch by sharing your loan booking reference number.

Reward points will not be accumulated for the EMI amount billed on your credit card account for loan on credit card.

The loan availed on your credit card can be pre-closed by calling 24*7 CitiPhone Banking services. You may also click here to submit your loan pre-closure request or submit through "Write to Us" option on Citibank Customer Service Page or submit your request by logging into Citibank online. On pre-closure of the loan availed in your card, the following will be billed to your card account.

• Balance Principal outstanding

• Prepayment charges @ 3% on the outstanding principal

• Interest for the actual number of days till closure i.e. from the last billing date till the date of closure

• Goods and Services Tax (GST) as determined by the Government of India, is applicable on all fees, interest and other charges as per relevant and prevailing regulations of the Government of India.

When a credit card is voluntarily closed, any pending loan on the card will be pre-closed automatically and the above mentioned charges will be billed to the card account.

'Dial an EMI' is an offer that enables you to convert a transaction incurred on your credit card into an Equated Monthly Installment (EMI) transaction and pay in instalments. You may login to Citibank Online with your User ID and Password (IPIN) and to convert a purchase into EMI online. Alternatively, you can call our 24*7 CitiPhone banking to convert a purchase into an EMI.

Transactions above Rs. 2,500/- can be converted and paid through the EMI facility subject to terms and conditions and eligibility as determined by the bank's policy. However, the purchase amount should not exceed Rs.1,50,000. You can convert up to a maximum of 10 transactions into EMI. Please note that, as per Reserve Bank of India (RBI) guidelines, no advances should be granted by banks for purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold Exchange Traded Funds (ETF) and units of gold Mutual Funds and conversion of such transaction into an Equated Monthly Installment (EMI) scheme is prohibited.

A transaction may be converted into EMI only if it is reflecting in:

• Unbilled (OR)

• Current statement (provided the current date is not greater than the payment due date + 4 days, subject to eligibility criteria).

As and when the EMI is billed to the card account, the blocked credit limit will be released to the extent of the principal component.

Please note that once a transaction that is converted into EMIs the same cannot be cancelled. EMI transactions can only be pre-closed and pre-closure charges will be applicable. To know the status of your EMI conversion, please contact our 24*7 CitiPhone Banking services

Citibank enables you to pay the total outstanding on your credit card account in Equated Monthly Installments (EMI) through the 'Balance Conversion' facility. This offer is subject to terms and condition and eligibility is determined by the bank's internal policy guidelines. To check your eligibility and to avail this offer, you contact our 24*7 CitiPhone Banking Division. This facility is also available through Citibank Online for eligible customers.

'Merchant EMI conversions' are transactions converted into Equal Monthly Installments (EMI) by the merchant at the time of incurring the same. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product. Cash back for a 'Merchant EMI' transaction is offered solely by the merchant / brand and shall be credited to the card account only on receipt of the funds from the merchant / brand. This process may take up to 90 business days.

Please click here to view the list of merchant outlets where you can avail this facility. To pre-close a 'Merchant EMI' transaction, please contact our 24*7 CitiPhone Banking services.

Balance Conversion

Please note that, reward points will not be earned for the balance conversion EMI.

Dial an EMI

The reward points earned on the transaction you wish to convert to EMI will be credited to your card in the monthly statement and will not be altered. Please note, there will be no reward points earned on the EMI amount.

Merchant EMI Conversions

Reward points shall be earned as per the feature applicable for the credit card for the Merchant EMI purchase and shall be credited in proportion to the EMIs billed, each month. In specific cases where the transaction is billed and then converted into Merchant EMI, reward points will be allocated as per the total transaction amount on the date of the transaction.

Thank you for your interest in Citi products. The EMI on your credit card is offered at a reducing Rate of Interest of 24 % annually diminishing. Processing Fee would be 2.5 % or Rs 200 which ever is higher and 18 % GST applicable on the Processing Fee, initial interest amount and interest component of the EMI.

The EMI conversions can be pre-closed by calling 24*7 CitiPhone Banking services. On pre closure of the loan availed in your card, the following will be billed to your card account.

• Balance Principal Outstanding

• Prepayment charges @ 3% on the outstanding principal

• Interest for the actual number of days till closure i.e. from the last billing date till the date of closure

• Goods and Services Tax (GST) as determined by the Government of India, is applicable on all fees, interest and other charges as per relevant and prevailing regulations of the Government of India.

Please note:

• Once a transaction is converted into EMIs the same cannot be cancelled. EMI transactions can only be pre-closed and pre-closure charges will be applicable

• No pre closure charges are applicable for Merchant EMI transaction.

The EMI will be billed in the monthly credit card statement and will also be included as part of the Minimum Amount Due every month. The first EMI gets billed in the immediate statement generated post availing the loan. The Transaction Fee gets billed on the day the loan is booked and hence reflects in the immediate statement generated post availing. The EMI is also treated like a purchase. So if you choose to revolve the interest charges are applicable. If the payment is not made within the payment due date, this will also attract late payment charges. As and when the EMI is billed to the card account, the blocked credit limit will be released to the extent of the principal component.

Please note that, a separate statement for EMI conversions / loan on credit card will not be provided.

To know more about the EMI billed to your card account, please contact our 24*7 CitiPhone Banking services.

Citibank offers comprehensive insurance solutions for you and your family. These economical Insurance plans include Life Insurance, Health and Accident Insurance, Travel Insurance, Property Insurance, and Insurance for Loans taken by you.

Please click here to know about the various Insurance products offered by Citibank.

To apply for an Insurance product offered by Citibank, please click here. Alternatively, please contact our
24*7 CitiPhone Banking services.

At the time of enrolling into our non-life insurance product, you will be given an option to convert the first premium billed to your credit card into EMIs. The EMI will be offered at a particular interest rate which may vary from time to time The term of the EMI option will be communicated at the time conversion.

Please note that, this EMI facility is available only for the first premium and will not be applicable at the time of renewal.

The renewal period of an insurance policy may vary depending on the type of policy held by you. A communication regarding the renewal of the policy will be sent to your registered mailing address.

To cancel automatic renewal of your insurance policy, please contact our 24*7 CitiPhone Banking services. Please note that, cancellation of automatic renewal of policy amounts to cancellation of the insurance policy.

To cancel an Insurance policy availed on your credit card, you can contact our 24*7 CitiPhone Banking services.

In case, the policy is cancelled within the free look period, you will receive refund of the entire premium amount. If the policy is cancelled after the completion of the free look period, you will receive refund of a ratable portion of the premium billed to the card account.

Please note that, the free look period and refund amount may differ depending on the type of policy held by you.

You may register for the Bill Payment facility by logging on to Citibank online with your User ID and Password (IPIN). Once you login:

STEP 1: Click on 'Banking' / 'Credit Card' tab

STEP 2: Click on the 'Bill Pay' link on the left panel

STEP 3: Click on the "Register new biller" option and select the city, biller category & biller name.

Once the details are selected Citibank Online will list down the mode of payments supported by the Biller - "Auto pay" / "Confirm & Pay" / "One-time Payment". Choose the preferred bill pay option and the card you want to debit.

While "One-time payments" will be accepted immediately, "Auto Pay" & "Confirm & Pay" requests require validation from the biller. Once the bill details are entered and post successful registration we will send your registration details to the biller for validation. Upon successful validation, we will send you an alert confirming the same. Post that you would be able to make payments through Citibank Online for your utility bills.

Once your credit card is debited, the bill payment will be credited to your utility account in 2-3 working days. You will get an alert at your registered mobile number & email id once payment is processed. Please ensure your mobile number & email id are updated with us.

Any Citibank credit card / banking account customer can make bill payments through Citibank Online or Citi Mobile.

You can use the Bill Pay facility in the following ways:

• One-time bill payment - You can use our one-time Bill Payment option to make an immediate payment for your bill. You can save the details and add the biller to your 'Biller List' for future payments.

• Auto Bill pay - You can use our Auto Pay bill payment option and have your bills paid automatically every month.

Confirm & Pay - You can use this option to view your bill before you make the payment. Citibank will track your bill and intimate you when your bill is received. You will just have to login to the online banking platform, view your bill amount and confirm to make your bill payment.

With the Bill Pay facility, payment can be made for various categories of billers like electricity, mobile, telephone, mutual funds, donations, gas, water etc. To know the list of billers for your city, please click here, choose the 'Billers' tab and select the city.

Procedure to add / register a Payee / Biller:

• Login to Citibank Online

• Click on 'Bill Pay' link on the left panel under Banking or Credit Card tab.

• Click on "Register new biller" option and select the city, biller category & biller name

• Choose mode of payment - 'Auto pay' / 'Confirm & Pay' / 'One-time Payment' and the card to be debited and click on 'Proceed'

Provide the details pertaining to the utility account and click on 'Register'.

Procedure to delete / de-register a Payee / Biller:

• Login to Citibank Online

• Click on 'Bill Pay' link on the left panel under Banking or Credit Card tab.

• Click on "Pay / Manage Bills" option

• Choose the mode of payment - 'Auto pay' / 'Confirm & Pay' / 'One-time Payment'

Click on 'Remove' / 'De-register'.

In order to deregister for the Bill Payment facility on your card, you may login to our website and place a request to deregister for the particular bill pay service. Alternatively you can call us on our CitiPhone helpline.

If you want to make a stop payment for the bill payment only for the current month, we have an enhanced facility with the help of which the payment for the current month can be revoked. Please contact our 24*7 CitiPhone Banking services for the same.

To register for CitiAlert via Citibank Online:

• Login to Citibank Online

• Click on the 'Credit card' tab

• Select the option to 'CitiAlert'

The user-friendly screen that opens up will guide you through the procedure to register for new alerts or modify the channel for the existing alerts. There are certain mandatory alerts that will be sent to your registered mobile number or registered email address regardless of registration. Some of the mandatory alerts are 'Statement Alerts' 'Payment Confirmation Alerts', 'Transaction Confirmation Alerts' etc.

Alternatively, your can contact our 24*7 CitiPhone Banking services to register for these alerts.

It is our constant endeavor to keep you updated on our latest promotional offers from time to time. However we can flag your account as "Do Not Disturb". This will ensure you do not receive any marketing & sales emails. You can change your preference on our offers and services by providing your details here

At Citibank, we are committed to making your online banking experience safe, secure and pleasant. Online security pertains to the actions we take as well as measures we recommend for you that will keep your account safe from any attempted fraud.

Citibank considers your contact details as sensitive information. An Internet Banking User ID and Password (IPIN) should be selected by you for first time login based on your debit card/credit card and other personal details to access your account online. For generating your new User ID and Password (IPIN) please click here. The user-friendly screen that opens up will guide you through the procedure to be followed.

To change your User ID:

• Please log in to your account using your existing User Id and IPIN.

• Select the product "Banking / Credit card" in the left navigation panel.

• Choose "Other Banking Services."

• Select "Change User ID" under "Other Banking Services."

An IPIN is your internet password. You can change this anytime you wish. If you have an existing IPIN and forgotten the same or if your IPIN has been disabled, please click here to reset the same.

If you remember your IPIN (internet password) and want to change it,

STEP 1: Login to www.citibank.com/India and access your account using the IPIN

STEP 2: Click on Credit card tab on the left side of screen

STEP 3: Click on "PIN related" on the left hand side

STEP 4: Click on "Internet PIN"

The screen that opens up will guide you through the procedure to be followed.

Citibank Online enables you to view all your linked Citibank products using the same User ID and IPIN.

Once you login to Citibank Online, you will be able to view details pertaining to your Citibank savings / current account, credit cards, personal loan / home loan accounts and other linked Citibank products (if any) under one customer number. Please note that the products availed by you should be linked to view the details through the same login.

The option to view details pertaining to loans availed on your credit card, is currently not available online.

If there is any issue while logging into Citibank online or in viewing your account details, please contact our 24*7 CitiPhone Banking services

To link your Citibank products, please login to Citibank Online and follow the steps below:

Step 1: Select 'Banking' / Credit card

Step 2: Click 'Other Services and Queries' on the left navigation panel.

Step 3: Select 'Link my accounts' and follow the instructions.

The credit card will be linked to your account within two working days if name, date of birth and address match in both. Once your accounts are linked, you will see the linked card account number on your account summary page. In case we are unable to link your credit card to your savings account, we shall intimate you vide an email to your registered email ID

We request you to refer to this link for step-wise details

We request you to refer to this link.

You can update your Name and Date of Birth by logging into Citibank online. Click here to login :

Step 1 : Enter User ID and Password

Step 2: Click on Credit Card

Step 3: On the left hand panel please select Submit documents

Step 4: Click on Upload Docs

Step 5: Select Account Type

Step 6: Choose purpose of upload

Step 7: Choose either Change of Name or Date of Birth per your requirement.

Step 8: Generate an OTP, upload a document and submit.

Note: Self attested copy should be uploaded.

You can also check the status of the documents uploaded under the same Submit Documents option under View status.

Alternatively, you can send us the instruction with a copy of a valid government issued ID proof to retail.dox.india@citi.com from your registered email address or send us a self-attested copy to our Chennai Mail room address at Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, Door No.148, Dr. Radha Krishnan Salai, Mylapore, Chennai – 600 004

To know the list of valid identity proof documents, please click here.

Turn Around Time

Online: 5 days

Email: 5 days from the date of receipt of documents

Courier/Post : 5 days from the date of receipt of documents.

To close your Card Account, you may call our 24-Hour CitiPhone Banking helpline OR Write to: Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004.

Note:

• On closure of your credit card account, any pending loan availed on the same, will be pre-closed and the outstanding principal and the other applicable charges will be billed to your card account.

• The reward points accumulated on your card account should be redeemed within 45 days from the date of closure. The reward points can be redeemed against card outstanding or against Gift Vouchers available in the rewards catalogue, subject to applicable terms and conditions. You can call 24-Hour CitiPhone Banking helpline.. or write to us to place a request to redeem reward points.

You can get your card account balance through the facility called 'Citialert on Demand'; all you need to do is type message 'CARDBAL' followed by a space and followed by the last four digits of your card number and send SMS to 52484.

If you want to know the outstanding as per the current statement then you need to type 'STMT' followed by space and the last four digits of your card number and send the SMS to 52484. You shall get your card outstanding with details of the Total Amount Due, Minimum Amount Due and Payment Due Date for the current month's statement. Alternatively you could also call up on CitiPhone and we shall be glad to assist you (If you are not on Aircel / Airtel / Vodafone / Idea, the SMS should be sent to long code +919880752484)

Note: On closure, the outstanding balance on your card account cannot be transferred to another card account.

To re-activate your credit card, please write to us with a copy of the identity proof document and passport size photograph. The following are the valid identity proof documents:

• PAN card

• Passport

• Adhaar card

• Voter's ID

• Driving license

The above documents can be sent to retail.dox.india@citi.com from your registered email address or to: P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002. On receipt of the above documents, your request for re-activation will be reviewed.

The decision to re-activate a card account will be processed after careful consideration of the Bank's internal policies and operating procedures and will be done at the sole discretion of the bank.

When a card is lost or stolen or damaged, the same can be blocked and reissued. To block and receive a new card, you can call 24-Hour CitiPhone Banking helpline.

Once a credit card is blocked, the same card plastic cannot be re-activated. When a card is reissued, a replacement card with a different number is sent to your registered mailing address. However, for all financial and accounting purposes, both the cards are treated the same.

Please note that, blocking your card does not lead to closure of your credit card account.