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Submission: On January 02 via api from US — Scanned from DE
Submission: On January 02 via api from US — Scanned from DE
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<p>Thank you for using Citi Help!</p>
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</li>
<li>
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</form>Text Content
LRS
LIBERALISED REMMITTANCE SCHEME
LIBERALISED REMMITTANCE
OVERSEAS
REMIT FUNDS
REMIT FUNDS OVERSEAS
MUTUAL FUNDS
INVESTMENTS
SIP
INVESTMENTS
CITI INSURANCE
TRAVEL OFFERS
TRAVEL CARD
CITI TRAVEL
NRV
COMMERCIAL BANK
SME
CORPORATE BANKING
CORPORATE FINANCE
BUSINESS FINANCE
BUSINESS BANKING
SME BANK
FINANCE BUSINESS
SMALL BUSINESS FINANCING
COMMERCIAL BANK ONLINE
SME FINANCING IN INDIA
BUSINESS BANKING PRODUCTS
SME BANKING PRODUCTS
BUSINESS BANKING ONLINE
BUSINESS ONLINE BANKING
COMMERCIAL BANK ACCOUNTS TYPES
CITI CREDIT CARD
CITI OFFERS
SALARY ACCOUNT
SALARY ACCOUNT CONVERSION
CONVERSION OF SALARY ACCOUNT
SALARY
C2R
CONVERSION TO RETAIL ACCOUNT
BUSINESS LOAN
BUSINESS LOANS
MSME LOAN
BUSINESS LOAN INTEREST RATE
SMALL BUSINESS LOANS
BANK LOAN FOR BUSINESS
SME LOAN
LOAN FOR BUSINESS
SME BUSINESS LOAN
WORKING CAPITAL LOAN
LOANS FOR SMALL BUSINESS
BUSINESS LOAN IN INDIA
CORPORATE LOAN
QUICK BUSINESS LOANS
COMMERCIAL LOAN
COMMERCIAL LOANS
BUSINESS LOAN INTEREST RATE IN INDIA
MSME LOAN FOR NEW BUSINESS
SME LOANS INDIA
SME FINANCING
SMALL BUSINESS LOANS INDIA
LOAN FOR BUSINESS IN INDIA
BUSINESS LOAN APPLICATION
COMMERCIAL LENDING
SME LOAN INTEREST RATE
APPLY FOR BUSINESS LOAN
SME LOANS IN INDIA
LOAN FOR SME
BUSINESS LOANS ONLINE
FINANCE FOR BUSINESS
LOAN APPLY FOR SMALL BUSINESS
WORKING CAPITAL LOANS FOR SMALL BUSINESS
APPLY BUSINESS LOAN
APPLYING FOR A BUSINESS LOAN
FOREIGN EXCHANGE
FOREX
RISK MANAGEMENT
FOREX TRADING
FOREIGN EXCHANGE RATE
FINANCIAL RISK MANAGEMENT
TREASURY MANAGEMENT
CREDIT RISK MANAGEMENT
ENTERPRISE RISK MANAGEMENT
RISK MANAGEMENT SOLUTIONS
FOREX SERVICES
FOREIGN EXCHANGE TRADING
CORPORATE TREASURY
BUSINESS RISK MANAGEMENT
CORPORATE RISK MANAGEMENT
LIQUIDITY RISK MANAGEMENT
RISK MANAGEMENT SERVICES
FOREIGN EXCHANGE SERVICES
TREASURY MANAGEMENT SYSTEM
TREASURY INVESTMENT AND RISK MANAGEMENT
TREASURY AND RISK MANAGEMENT
RISK MANAGEMENT INDIA
INTEGRATED RISK MANAGEMENT
GLOBAL RISK MANAGEMENT
COMMERCIAL RISK MANAGEMENT
TREASURY MANAGEMENT SOLUTIONS
TREASURY MANAGEMENT SERVICES
TREASURY AND CASH MANAGEMENT
RISK MANAGEMENT PRODUCTS
MOBILE
MOBILE PAYMENT
MOBILE BILL PAYMENT
MOBILE RECHARGE
ELECTRICITY
ELECTRICITY BILL PAYMENT
ELECTRICITY PAYMENT
TELEPHONE
TELEPHONE BILL PAYMENT
TELEPHONE PAYMENT
UTILITY
PAY UTILITY BILLS
UTILITY BILL PAYMENT
PAYMENT OF UTILITY BILL
BILL PAY
DONATIONS
GAS
GAS BILL PAYMENT
CAPITAL FINANCE
WORKING CAPITAL MANAGEMENT
TRADE FINANCE
WORKING CAPITAL FINANCE
LETTERS OF CREDIT
INTERNATIONAL TRADE FINANCE
INTERNATIONAL TRADE AND FINANCE
TRADE FINANCE PRODUCTS
COMMERCIAL FINANCE
BANK LETTER OF CREDIT
IMPORT EXPORT MANAGEMENT
BANK GUARANTEE LETTER
EXPORT AND IMPORT FINANCE
TRADE FINANCE SERVICES
TRADE SERVICES IN BANKING
LETTER OF CREDIT IN INTERNATIONAL TRADE
OPEN ACCOUNT TRADE FINANCE
TRADE FINANCE SOLUTIONS
COMMODITY TRADE FINANCE
TRADE FINANCE AND FOREIGN EXCHANGE
CORPORATE TRADE FINANCE
CASH MANAGEMENT
BUSINESS ACCOUNT
RECEIVABLE MANAGEMENT
CASH MANAGEMENT SERVICES
CORPORATE BANK ACCOUNT
CASH MANAGEMENT SYSTEM
OPEN BUSINESS CHECKING ACCOUNT ONLINE
INTERNATIONAL CASH MANAGEMENT
CASH MANAGEMENT PROCESS
CMS CASH MANAGEMENT
BUSINESS BANK ACCOUNT
CASH MANAGEMENT PRODUCTS
CASH MANAGEMENT SERVICES CMS
PAYABLES MANAGEMENT
BEST BUSINESS BANK ACCOUNT
BUSINESS CURRENT ACCOUNT
CASH MANAGEMENT SOLUTIONS
BEST BUSINESS CURRENT ACCOUNT
SMALL BUSINESS CURRENT ACCOUNT
CASH MANAGEMENT SERVICES IN BANKS
ONLINE BUSINESS ACCOUNT
OPEN BUSINESS ACCOUNT ONLINE
OPENING A BUSINESS ACCOUNT
BUSINESS SAVINGS ACCOUNT
CORPORATE ACCOUNT OPENING
CASH MANAGEMENT SERVICES IN INDIA
SMALL BUSINESS BANK ACCOUNT
CASH MANAGEMENT ACCOUNT
RECEIVABLE MANAGEMENT SERVICES
ACCOUNTS RECEIVABLE MANAGEMENT SERVICES
FEATURES OF CASH MANAGEMENT
BUSINESS CHECKING ACCOUNT
OPEN A BUSINESS BANK ACCOUNT
ONLINE BUSINESS BANK ACCOUNT
OPEN A BUSINESS BANK ACCOUNT ONLINE
ACCOUNT FOR BUSINESS
BUSINESS CASH MANAGEMENT
COMMERCIAL BANK ACCOUNT
CORPORATE CHECKING ACCOUNT
OPEN BUSINESS CHECKING ACCOUNT
CORPORATE CASH MANAGEMENT
BUSINESS CASH MANAGEMENT SERVICES
CASH MANAGEMENT AND PAYMENT SOLUTIONS
PAYMENT AND CASH MANAGEMENT SOLUTIONS
START UP BUSINESS LOANS
STARTUP INDIA LOAN
NEW BUSINESS LOANS
BUSINESS LOAN FOR NEW BUSINESS
LOAN FOR NEW BUSINESS
BUSINESS STARTUP LOANS
SME LOANS FOR NEW BUSINESS
STARTUP BUSINESS LOANS
SMALL BUSINESS STARTUP LOANS
SMALL BUSINESS FUNDING
STARTUP BANK
BEST CURRENT ACCOUNT FOR STARTUPS
STARTUP BANK ACCOUNT
FINANCIAL SERVICES FOR STARTUPS
BEST BANK FOR STARTUPS
STARTUP ACCOUNT
BANKS FOR STARTUPS
START UP BUSINESS BANKING
BEST STARTUP BANK ACCOUNT
BEST BUSINESS BANK FOR STARTUPS
START UP BUSINESS ACCOUNT
CITIBUSINESS LEAP
CITI REWARD POINTS
CARD APPLICATION STATUS
YOUR CITI CREDIT CARD SIMPLIFIED
CITI CREDIT CARD
CARD STATEMENT
DEBIT CARD EXPIRY
DEBIT CARD EXPIRING SOON
CITI MOBILE BANKING
CITI MOBILE APP
HOT DEALS
HOT DEALS
WHAT’S NEW ON YOUR CITI MOBILE APP?
A SIMPLE GUIDE TO UNDERSTANDING YOUR CITI CREDIT CARD
KNOW YOUR CREDIT CARD OUTSTANDING BALANCE THROUGH CITI MOBILE APP
ANSWERS TO ALL YOUR HOME LOAN QUERIES
BILL PAYMENT THROUGH CITI MOBILE APP
HCC
PRINCIPAL NODAL OFFICER
PNO
QUERY
BCSBI
CEO
BANKING OMBUDSMAN
TOLL FREE
SENIOR MANAGEMENT
CREDIT CARD
CITI CREDIT CARDS
CITI REWARDS CARD
INDIAN OIL CITI PLATINUM CREDIT CARD
CITI PREMIERMILES CARD
CITI BANK ACCOUNTS
CITI PRIORITY
CITIBANKING ACCOUNT
CITIBANK SUVIDHA SALARY ACCOUNT
THE CITIGOLD ADVANTAGE
CITIGOLD ACCOUNT
UPDATING YOUR KYC DOCUMENTS
ONLINE BANKING FOR NRIS
RAISING A DISPUTE ON CITI CREDIT OR DEBIT CARD TRANSACTIONS
ONLINE SECURITY AND FRAUD AWARENESS
AADHAAR AND KYC SUBMISSION ON CITI MOBILE
KYC DOCUMENT SUBMISSION
SUBMIT DOCUMENTS ONLINE
CREDIT CARD PAYMENT FROM CITI ACCOUNT
CREDIT CARD PAYMENT FROM NON-CITI ACCOUNT
INVEST IN SYSTEMATIC INVESTMENT PLANS WITH CITI
DEBIT CARD RENEWAL JOURNEY
UTILITY BILL PAYMENTS USING YOUR CITI CREDIT OR DEBIT CARDS
* CITI INDIA
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CITI HELP
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Create User ID & Password
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Dispute card transaction
Report Lost/Stolen card
Citi Credit Card Rewards
Create User ID & Password
Change address
Video KYC
Digital DIY tips and demo videos
Enable transactions on Credit Card
Dispute card transaction
Report Lost/Stolen card
Citi Credit Card Rewards
Create User ID & Password
Change address
Video KYC
Digital DIY tips and demo videos
Enable transactions on Credit Card
Dispute card transaction
Report Lost/Stolen card
Citi Credit Card Rewards
Create User ID & Password
Change address
Video KYC
Digital DIY tips and demo videos
Enable transactions on Credit Card
Dispute card transaction
Report Lost/Stolen card
Citi Credit Card Rewards
REPORT YOUR LOST/STOLEN CARD IMMEDIATELY AND REISSUE A NEW CARD IN 3 SIMPLE
STEPS:
* 1
Login to Citibank Online
* 2
Post Login, in the top menu, click on Banking tab (for Debit Card) OR Cards
tab (for Credit Card)
* 3
In Left hand menu, click Report Lost/Stolen card and follow the steps
outlined on the screen Login CTA button: Login Now
Login Now
Note: If you choose "No" under "Do you want a new card?" option and there are no
other active cards linked to your account, your Citibank Online/Citi Mobile
access will also get blocked. In case of reissuance, the new card will be sent
to your registered address.
REPORT YOUR LOST/STOLEN CARD IMMEDIATELY AND REISSUE A NEW CARD IN 3 SIMPLE
STEPS:
* 1
Login to Citi Mobile app
* 2
Post Login, select ‘Report Lost/Stolen Card’ option under ‘Service Requests’
* 3
In Left hand menu, click Report Lost/Stolen card and follow the steps
outlined on the screen Login CTA button: Login Now
Login Now
Note: If you choose "No" under "Do you want a new card?" option and there are no
other active cards linked to your account, your Citibank Online/Citi Mobile
access will also get blocked. In case of reissuance, the new card will be sent
to your registered address.
NEW
How to initiate funds transfer with Citi? Preapproved Personal Loans* from
@9.99% p.a. - Login to check offer Selective block of online & international
card transactions Credit Card Bill Payment Guide How to avoid OTP Fraud How to
apply for a mutual fund Check your Citi Card Application Status Access your
Statement on Email Book an instant loan on your Credit Card Convert Credit Card
outstanding into EMIs Convert Credit Card transactions into EMIs
YOUR QUERIES, OUR ANSWERS
* Top 10 Queries
* Latest Blogs
* Credit Card
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01
HOW DO I BLOCK MY CITI CARD AND RE-ISSUE A NEW ONE?
You may block your card using either Citibank Online or Citi Mobile App. Please
follow the steps given below:
CITIBANK ONLINE
* Step 1: Log in to Citibank Online
* Step 2: In the top menu, click on Banking tab (for Debit Card) OR Credit Card
tab (for Credit Card).
* Step 3: In the Left hand menu, click 'Report Lost/Stolen card' and follow the
steps outlined on the screen.
* Step 4: Choose the card you wish to block, select the reason for blocking
(whether lost or stolen) and yes for issuing new card and click ‘Next’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
CITI MOBILE
* Step 1: Log in to Citi Mobile
* Step 2: Choose ‘Account Summary’ and select the account/card you want to
block
* Step 3: Click on ‘Block Card Permanently’
* Step 4: Select reason for blocking (whether lost or stolen), yes for issuing
new card and click ‘Continue’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
Citibank Online
* Step 1: Log in to Citibank Online
* Step 2: In the top menu, click on Banking tab (for Debit Card) OR Credit Card
tab (for Credit Card).
* Step 3: In the Left hand menu, click 'Report Lost/Stolen card' and follow the
steps outlined on the screen.
* Step 4: Choose the card you wish to block, select the reason for blocking
(whether lost or stolen) and yes for issuing new card and click ‘Next’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
Citi Mobile
* Step 1: Log in to Citi Mobile
* Step 2: Choose ‘Account Summary’ and select the account/card you want to
block
* Step 3: Click on ‘Block Card Permanently’
* Step 4: Select reason for blocking (whether lost or stolen), yes for issuing
new card and click ‘Continue’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
02
HOW TO SET YOUR USER ID, PASSWORD AND PIN ONLINE?
* 1. Click here and follow the steps given below. Alternatively you can go to
Citibank Online and click on ‘First Time User? Register Now’ on the left.
* 2. Choose your Account type. If you have more than one relationship with the
bank, we recommend choose Suvidha/Banking relationship
* 3. Enter your details, including card number, CVV and date of birth to
proceed
* 4. Authenticate your information using OTP sent to your registered mobile
number
* 5. Choose your User ID, Password and PIN
* 6. That’s it, you’re done! Login to Citibank Online and enjoy seamless
banking services.
03
WHAT ONLINE SERVICES DOES CITIBANK PROVIDE?
Stay home, bank smart! You can access all key services for your bank or card
account from your Citi India Mobile app, available for download on the App Store
or Play Store, or Citibank Online.
Click here to know more.
04
HOW DO I ENABLE MY CREDIT OR DEBIT CARD FOR TRANSACTIONS?
Click here to know more.
05
HOW CAN I VIEW /DOWNLOAD MY BANK ACCOUNT / CREDIT CARD/ LOANS STATEMENT?
Credit Cards
Please Click Here to view/download the statements online.
Banking
Click Here to login to your account and view/download the statements online.
Please also note the steps to be followed on Citibank Online to view/download
the statements:
* Step 1:Select 'Banking'
* Step 2:Select 'View/Download Statements' in the left navigation panel and
proceed
* To download statement on Citi Mobile, login and select ‘Service Requests’ on
the left navigation menu. Click ‘Duplicate Statement Request’ and follow the
instructions given on screen.
Home Loan
Click Here and follow the below steps to view/download the statements online.
* Step 1: Click on ‘View account summary’.
* Step 2: Select the account number of your choice.
* Step 3: The transaction details will be displayed at the bottom of the page.
* Step 4: To view other transactions click on "view transaction" and follow the
procedure displayed.
* Step 5: To download, click on "download account details".
Personal Loan
Please Click Here and follow the below steps to view/download the statements
online.
* Step 1: Click on 'Personal Loan' tab on the top.
* Step 2: Click on '+' button to expand / view the Personal Loan Accounts.
* Step 3: Click on the Personal Loan Account link to view the details of the
Loan Account. You will be able to view four buttons at the bottom of this
page.
* Step 4: Click on the 'View Loan Account Statement' link to view / download
the Loan statement.
* Step 5:You can click 'View Statement Details' to view for last six months OR
select 'From Date' and 'To Date' and click on 'View Statement Details' to
view the statement for a particular period.
To download the statement for last six months or for a date range, choose file
type in the drop down below the 'Download Statement detail' and Save.
06
HOW CAN I CHANGE MY ADDRESS ONLINE?
Click here to know the steps for changing your address online.
07
HOW DO I UPDATE PAN/FORM 15G/FORM 15H?
PAN
To update your Permanent Account Number (PAN), please click Here to log into
Citibank online and submit an attested copy of your PAN Card online.
(Note: The purpose of upload should be 'Update Pan Number')
Alternatively, you can use Citi Mobile to submit documents. Login to Citi
Mobile, on the left panel, select ‘Submit Documents’ and follow the instructions
given on screen
Form 15G/15H
To update your Form 15G/15H, Click Here to login to Citibank online and submit
documents online.
Alternatively, you can use Citi Mobile to submit documents. Login to Citi
Mobile, on the left panel, select ‘Submit Documents’ and follow the instructions
given on screen
08
WHY WAS MY CHEQUE PAYMENT NOT CREDITED TO THE CARD ACCOUNT?
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.
09
HOW DO I DISPUTE A DEBIT CARD/CREDIT CARD TRANSACTION?
Click here to know how to dispute your transaction online.
10
WHAT ARE THE CURRENT OFFERS AVAILABLE ON CITIBANK CREDIT/DEBIT CARDS?
Explore all offers now!
MORE RESULTS
01
HOW TO UNLOCK YOUR CITI CREDIT CARD ONLINE
02
CITI VIDEO KYC – CONTACTLESS, SECURE AND CONVENIENT WAY TO APPLY FOR A CREDIT
CARD
03
INTERNATIONAL REMITTANCES MADE EASY WITH CITI
04
INVEST WITH CITI
05
HOW TO INITIATE FUNDS TRANSFER WITH CITI?
06
ENHANCING SECURITY OF CITI CARD TRANSACTIONS
07
KNOW ALL ABOUT DEMAT ACCOUNTS
08
KNOW YOUR BILLING DATE, PAYMENT DUE DATE AND HOW INTEREST IS CHARGED
09
CITI READY CREDIT SIMPLIFIED
10
NEW JOB? NOW EASILY UPDATE YOUR COMPANY DETAILS ON YOUR PHONE/ONLINE WITH CITI
01
HOW CAN I APPLY FOR A CITIBANK CREDIT CARD AND WHAT IS THE ELIGIBILITY?
Click here to apply for a Citi credit card.
You can also apply for a Citibank Credit Card by visiting Citibank website and
clicking ‘Credit Card’ tab.
02
HOW DO I REDEEM MY REWARD POINTS?
Click here to know all about Citi Credit Card Reward Redemption.
03
WHAT ARE THE CURRENT OFFERS AVAILABLE ON CITIBANK CREDIT CARDS?
Click here to know the current offers available on your Citibank credit card.
04
WHY IS INTEREST CHARGE LEVIED WHEN I PAID MY CREDIT CARD DUES ON TIME?
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.
05
CAN I PLACE REQUEST TO RECEIVE MY CREDIT CARD AT A NEW MAILING ADDRESS?
To receive your card at a new mailing address, please change your mailing or
non-mailing address following the instructions outlined here.
06
CAN I MAKE CREDIT CARD PAYMENTS VIA A CITIBANK ACCOUNT?
You can make Credit Card Payments easily via Citibank Online or Citi Mobile.
Citibank Online
* Step 1: Log in to Citibank Online your User ID and password (IPIN)
* Step 2: Choose ‘Credit Card’ tab.
* Step 3: Click on ‘Pay Credit Card bill’ and follow the instructions given on
screen.
Alternatively, you can also set up a Standing Instruction to debit your Citibank
Account and credit your Card Account every month. This can be done by logging
onto Citibank Online and placing a request to maintain a Standing Instruction.
Citi Mobile
* Step 1: Log in to Citi Mobile.
* Step 2: On the left navigation panel, choose ‘Bill Pay & Recharge’.
* Step 3: Choose ‘Credit Card bill payment’ and follow the instructions given
on screen.
Alternatively, you can also set up a Standing Instruction to debit your Citibank
Account and credit your Card Account every month. This can be done by logging
onto Citibank Online and placing a request to maintain a Standing Instruction.
07
MY CARD IS ON THE VERGE OF EXPIRY, HOW DO I GET A NEW CARD?
Please click on the options below for details:
Debit Card
Your Debit card will be renewed automatically prior to expiry of the existing
card. The renewed card will be sent to your registered mailing address. The
existing APIN will be applicable on your new ATM card also.
Credit Card
Your credit 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
actual expiry of the card. This is applicable for renewal of add-on cards as
well.
The renewed card will have the same card number, however the CVV will differ.
For security purpose, you should destroy the expired card plastic.
NR
Your Debit Card is valid till the last day of the month and year mentioned on
the Card Validity.
We will issue you a renewal Debit Card in the month in which your old Debit Card
expires. Your new Debit Card will be valid upon the expiry of your existing
card.
Note:- If your account is inactive or dormant or in any other blocked status, we
will not issue you a renewal Debit Card.
08
HOW DO I CHECK CREDIT CARD OUTSTANDING?
To know the Credit Card Outstanding and your Available Credit Limit, please
follow the instructions given below:
Citibank Online
* 1. Login to Citibank Online using your User ID and Internet Pin (IPIN)
* 2. Click on 'View Account Summary' on the left navigation panel for account
balance and transaction details.
* 3. Choose Credit Cards and then choose the particular card you want to check
the account summary
Citi Mobile:
* 1. Login to Citi Mobile
* 2. Click on 'Account Summary' and choose the relevant account
09
HOW DO I CONVERT MY CARD OUTSTANDING TO EMI?
Citibank Online:
* 1. Login to Citibank Online
* 2. Go to ‘Credit Card’ and select on ‘Click an EMI’
* 3. Click on the transaction you wish to convert to EMI
* 4. Choose tenure of repayment and confirm
* 5. That’s it, you’re done!
Citibank Mobile:
* 1. Login to Citi Mobile
* 2. On the left-hand burger menu, choose ‘Loans and EMIs on Credit Card’
* 3. Choose ‘Convert credit card outstanding into EMI’ to check your
eligibility and apply
10
WHY WAS MY CHEQUE PAYMENT NOT CREDITED TO THE CARD ACCOUNT?
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:
* Pay via your Citibank Account Online or through the Citi Mobile® App.
* Alternatively, pay via any other Bank Account using the NEFT/ RTGS.
* 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:
* Card number not mentioned/invalid card number.
* Cheque not signed
* Cheque is altered.
* Amount in words & figures mismatch
* Date not written/ invalid date/ cheque is stale/ outdated
01
HOW DO I OPEN AN ACCOUNT WITH CITIBANK?
Please click on the options below for details:
CitiGold, Citi Priority
For opening a CitiGold account, please provide your contact details here and we
shall contact you to assist with account opening.
For opening a Citi Priority Account, please provide your contact details here
and we shall contact you to assist with account opening.
Citibank Suvidha Corporate Salary Account
Citibank Suvidha Corporate Salary Account is offered to employees of
organization that have an on-going salary account tie-up with us. Please click
here to check your eligibility and apply for a Citibank Suvidha Corporate Salary
Account.
Employee Reimbursement Account (ERA)
ERA is offered only if you hold a Citibank Suvidha Corporate Salary Account. You
may contact your Human Resource or Payroll department to check the corporate
tie-up or to obtain the contact details of our Corporate Relationship Managers.
Ready Credit Account
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
Kindly note: Issuance of Citibank Ready Credit Line and Loan facility is at the
sole discretion of the bank and subject to its internal credit processing
criteria.
Investment Services Account (ISA)
You can open an Investment Services Account (ISA) with us via Citi Mobile App –
You can open your ISA on mobile in just 3 simple steps;
* 1. Login into Citi Mobile App and click on ‘Grow Your Money’ and select
‘Start Now’ option
* 2. Enter basic information such as country / place of birth and gross annual
income and authenticate using OTP
* 3. Complete your Risk Profiling and Product Category Knowledge (PCK) to start
investing
Demat Account & Domestic Mutual Fund Account
Kindly visit the nearest Citibank branch with your identity proof, address
proof, pan card and a recent passport size photograph.
Fixed Deposit
To book a fixed deposit, please follow the steps below:
Citi Mobile:
* 1. Login to Citi Mobile
* 2. On the left panel, choose ‘Deposits’
* 3. Click ‘Book a deposit’ and follow the instructions given on screen
Citibank Online
* 1. Login to Citibank Online using your User ID and IPIN
* 2. Click on the ‘Investments’ option on the top navigation panel.
* 3. Select ‘Deposits’.
* 4. Choose ‘Book Deposits’ and follow the instructions.
CitiBusiness
For opening a CitiBusiness account, please provide your contact details here and
we shall contact you to assist with account opening.
02
HOW DO I CHECK ACCOUNT BALANCE OUTSTANDING?
Citibank Online
* 1. Login to Citibank Online using your User ID and Internet Pin (IPIN)
* 2. Click on 'View Account Summary' on the left navigation panel for account
balance and transaction details.
Citi Mobile:
* 1. Login to Citi Mobile
* 2. Click on 'Account Summary' and choose the relevant account
You can also refer to your monthly statements
03
AT WHAT RATE DO I EARN INTEREST ON MY DEPOSITS AND SAVINGS ACCOUNT?
Please click here for our current deposit interest rates.
04
HOW DO I REQUEST FOR A NEW DEBIT CARD?
For debit card reissuance (on lost / stolen / damaged cards), please login to
Citibank Online and follow the steps below:
* Step 1: Select 'Banking'.
* Step 2: Select 'Other Services and Queries' on the left navigation panel.
* Step 3: Click on 'Reissue card'.
* Step 4: Choose the card number and proceed to reissue the card.
You can click here to request/change/retrieve your ATM PIN online.
Alternatively, for changing your ATM, you may follow the steps mentioned below:
* Step 1: Login to Citibank Online.
* Step 2: Select ‘Banking’ / ‘Credit card.
* Step 3: Click ‘PIN related’ on the left navigation panel.
* Step 4: Select ‘ATM PIN’ for Debit Cards and ‘Generate Credit Card PIN’ for
Credit Cards
* Step 5: Select the appropriate card number and proceed with the instructions
given on screen.
05
MY ACCOUNT IS INACTIVE, HOW DO I ACTIVATE IT?
Click here to know how to re-activate your dormant account.
06
HOW DO I CONVERT MY ACCOUNT TO A CITIBANK SUVIDHA CORPORATE SALARY ACCOUNT?
Please click here to check your eligibility and apply for a Citibank Suvidha
Salary Account.
07
HOW DO I GET AN ATM PIN (APIN)?
Click here to request/change/retrieve your ATM PIN.
Alternatively, for changing your ATM, you may follow the steps mentioned below:
* Step 1: Login to Citibank Online.
* Step 2: Select ‘Banking’ / ‘Credit card’.
* Step 3: Click ‘PIN related’ on the left navigation panel.
* Step 4: Select ‘ATM PIN’ for Debit Cards and ‘Generate Credit Card PIN’ for
Credit Cards.
* Step 5: Select the appropriate card number and proceed with the instructions
given on screen.
08
CAN I BOOK A DEPOSIT THROUGH CITIBANK ONLINE?
Yes, you can book deposits through both Citibank Online and Citi Mobile. Please
follow the instructions given below:
Citibank Online:
* Step1: Login to Citibank Online using your User ID and IPIN.
* Step2: Click n ‘Investments’ option on the top navigation panel.
* Step3: Select ‘Deposits’
* Step4: Choose ‘Book Now’ and follow the instructions given on screen.
Citi Mobile
* Step 1: Log in to Citi Mobile.
* Step 2: On the left navigation panel, choose ‘Deposit’.
* Step 3: In the drop-down menu, choose ‘Book a deposit’ and follow the
instructions given on screen.
Important: In case you hold a joint account with ‘Either or Survivor’ signature
rule, fixed deposits can be booked or closed online only if the Joint Holder
Deposit Consent form is updated in the bank records.
Please submit a signed Joint holder Deposit Consent Form at the branch or mail
it to –
* Citibank N.A. ., Mail Room,
* ACROPOLIS, 9th Floor,
* New Door No.148 (Old No.68),
* Dr. Radhakrishnan Salai, Mylapore,
* Chennai – 600 004
09
CAN I INVEST IN MUTUAL FUNDS THROUGH CITIBANK ONLINE?
I do not have investment Services account:
You can open an Investment Services Account (ISA) with us via Citi Mobile App.
The steps are given below:
* 1. Login into Citi Mobile App and click on ‘Grow Your Money’ and select
‘Start Now’ option
* 2. Enter basic information such as country / place of birth and gross annual
income and authenticate using OTP
* 3. Complete your Risk Profiling and Product Category Knowledge (PCK) to start
investing (or)
Note: You will be able to invest in funds of a particular Asset Management
Company (AMC), only after you have completed the Foreign Account Tax Compliance
Act (FATCA) requirements by visiting the website of the respective AMC. FATCA
places restrictions on US persons from using any financial institutions like
banks, mutual fund houses, etc.
I have an investment Services Account:
If you have an ISA with us, you can start investing online via:
Citi Mobile App:
* 1. Login into Citi Mobile App
* 2. Click on ‘Grow Your Money’ and select ‘Explore Funds’ option. With
‘Explore Funds’, you will be able to see CitiChoice funds, a shortlist of
mutual funds based on your risk appetite.
* 3. Select any one of ‘Equity, Debt, Liquid or ELSS’ – you will see a list of
funds in that fund type
* 4. Click on any fund of your choice basis detailed fund and AMC information
in ‘Fund Snapshot’.
* 5. Click on ‘Invest Now’
Citibank Online –
* 1. Login into Citibank Online using user User ID and Password
* 2. Click on ‘Investments’ tab and then click on the ISA account under ‘Mutual
Funds’ section
* 3. Click on ‘Buy Mutual Funds’ under ‘Trade Now’ section
* 4. You can see NAV details by clicking on ‘View NAV’ under ‘View Details’
section
10
WHAT IS READY CREDIT AND HOW CAN I APPLY FOR IT?
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
01
I HAVE RECEIVED A LOAN OFFER ON MY CREDIT CARD, WHAT IS THE PROCEDURE TO AVAIL
THE SAME?
Please follow the instructions given in the offer mail to avail the loan offered
on your credit card.
Alternatively, you can follow the steps mentioned below.
Citibank Online:
* Click here to check your eligibility and book.
Citi Mobile:
* 1. Login to Citi Mobile
* 2. On the left burger menu, choose ‘Loans and EMIs on Credit Card
* 3. Click ‘Loan on Credit Card’
* 4. If you are eligible, follow the instructions given on screen
For more information, click here.
02
HOW DO I CHECK MY ELIGIBILITY FOR LOAN ON MY CREDIT CARD?
Citi Quick Cash is an exclusive installment facility offered to select Citi
Credit Cardholders, which may be within or above the credit line. It can be
conveniently availed through Citibank Mobile App or Citibank Online.
Click here to check your eligibility and book.
For more information, click here
NOTE: Loan sanctions will have to confirm to certain criteria.
03
WHAT IS THE RATE OF INTEREST AND THE EMI AMOUNT FOR A LOAN ON THE CREDIT CARD?
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
04
HOW CAN I APPLY FOR CITIBANK PERSONAL LOAN?
To apply for a Citi Personal Loan, please fill the Click 4 Call form on our
website and our representatives will be happy to help you.
If you hold a Citibank savings account, you can also apply for the same by
logging onto your Citibank Online account.
05
HOW CAN I CONFIRM DETAILS REGARDING MY PERSONAL LOAN ACCOUNT?
You can view the loan details on your welcome letter. You can view/download
welcome letter online by following below steps:-
* Step 1: Login to Citibank Online by using your User ID and IPIN. Click on
'Personal Loan' tab on the top.
* Step 2: Click on '+' button to expand / view the Personal Loan Accounts.
* Step 3: Click on the Personal Loan Account link to view the details of the
Loan Account.
* Step 4:Click on the link at the bottom of the page to view/download the
welcome letter.
The loan details will be also available in the welcome letter sent to your
mailing address when the Personal loan was sanctioned.
06
WHAT IS THE MERCHANT EMI CONVERSION?
Citi PayLite is a facility offered to Citi Credit Cardholders to convert their
purchases into easy monthly installments. Any eligible purchase greater than ₹
2500 can be converted into flexible EMIs before the payment due date.
Please click here to convert your credit card purchase to EMI in just a few
clicks.
Alternatively, you can follow the instructions given below to convert your
transaction to EMI on Citibank Online/Citi Mobile.
Citibank Online
* 1. Login to Citibank Online with your User ID and Password (IPIN)
* 2. Click ‘Credit Card’ tab
* 3. Click on ‘Click an EMI’ and follow the instructions given on screen
Citibank Mobile:
* 1. Login to Citi Mobile
* 2. On the left panel, choose ‘Loans and EMIs on Credit Card’
* 3. Click ‘Convert credit Card transactions to EMI’
* 4. Select the transaction you wish to convert to EMI and follow the
instructions outlined
For more information, click here.
07
HOW DO I CONVERT THE OUTSTANDING BALANCE ON MY CREDIT CARD INTO EMI?
Citi FlexiBill is a facility offered to eligible Credit Cardholders to convert
their card outstanding into easy monthly installments.
Click here to check your eligibility and book.
For more information on Citi FlexiBill, please click here.
08
HOW DO I AVAIL A CITIBANK HOME LOAN?
Please click here to apply for a Citibank Home Loan.
Alternatively, you can go to Citibank website and click on ‘Home Loan’ tab to
know more.
09
CAN I AVAIL AN ENHANCEMENT ON MY EXISTING HOME LOAN WHEN I TRANSFER TO CITIBANK?
You can not only transfer your existing Loan to Citibank, but you can also avail
an enhancement up to Rs 3 Crores for any of your personal, business or
professional needs. You can also use the enhancement funds to close your other
Loans with other institutions.
10
WHAT MORTGAGES DO YOU OFFER?
Citibank presents to you the widest range of home loan solutions to make your
dream home a reality.
Click here to know more about the various mortgage offerings we provide.
Please visit Citi Online, click 'Service Center', select 'Write to us' and raise
a complaint or request.
You can also contact our 24 hour Citiphone Banking Service on +97 14 3114000.
EXPLORE
All the topics,resources,and information you need for a seamless Citi
Experience.
All you need to know about Citi products and services !
GET STARTED HERE
Manage your account on the go
MANAGE YOUR ACCOUNT
Smart tips to get the most out of your financial products
CITI TIPS
Simple solutions for your service needs
SELF SERVICE
Learn what’s new at Citi !
WHAT'S NEW AT CITI
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DECEASED CLAIM SETTLEMENT PROCESS - FAQS
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INSTANTLY CREATE USER ID, PASSWORD AND APIN
Create Now
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ACCESS YOUR STATEMENT ON EMAIL
Watch the Video
*
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INSTANTLY TRANSFER FUNDS THROUGH IMPS
Watch the Video
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TRANSFER FUNDS ONLINE FROM CITI TO CITI ACCOUNT
Watch the Video
*
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MAKE A CREDIT CARD PAYMENT FROM YOUR CITI ACCOUNT
Watch the Video
*
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EXPLORE BENEFITS OF BANKING ACCOUNTS WITH CITI
CITI PRIORITY
CITIBANKING ACCOUNT
CITIBANK SUVIDHA SALARY ACCOUNT
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MANAGE YOUR ACCOUNT
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NRI CREDIT CARD PAYMENTS
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HOW TO INITIATE FUNDS TRANSFER WITH CITI?
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CREDIT CARDS – KNOW OUTSTANDING BALANCE AND DUE DATE AND MAKE BILL PAYMENT
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PAY YOUR UTILITY BILLS USING YOUR CITI CREDIT OR DEBIT CARDS
Know How
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What is a credit card and what are the features and benefits of a credit card?
A credit card is a standalone lending instrument used to provide recurring
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Every credit card account is assigned with a credit limit and the card can be
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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
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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
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*RBI/2019-20/142 dated 15th January, 2020.
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On expiry, the existing card plastic will not be valid for usage. The renewed
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purpose, you should destroy the expired card plastic.
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Citibank offers various options to convert your existing card to meet your
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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
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applicable terms and conditions.
Once the swap request is processed, the existing card will be blocked and a new
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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
What is an EMV card (Chip & PIN card)?
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.
How can I link my new credit card to my existing bank account?
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.
Card Application
How can I apply for a Citibank credit card and what is the eligibility?
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.
What are the documents required for processing a credit card application and how
do I submit the same?
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.
How do I apply for a credit card that can be used within India and overseas?
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'.
What is the procedure to apply for a Citibank credit card online?
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.
How do I check the status of my Citibank credit card application?
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.
What is a Credit Information Company?
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.
How is a credit score important in credit card application processing?
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.
What is an add-on card? How do I apply for same and what is the eligibility?
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
What are the documents required for add-on card application processing?
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.
What are the current offers available while applying for a Citibank credit card?
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.
What is eMGM referral program?
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
Does the add on card have a separate limit?
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.
Credit Limit
What is the procedure to increase the credit limit of my card?
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.
How can I reduce the credit limit?
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.
What is the eligibility to avail credit limit enhancement?
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.
What are the documents required for credit limit enhancement?
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.
What is a 'Credit Limit Increase' offer?
'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
Do I have the option to consolidate the credit limit of two of my Citibank
credit cards?
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.
What is Cash limit?
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.
Card Outstanding & Available Balance
What is my credit card outstanding and how do I check the same?
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.
What is my payment due date and how do I check the same?
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.
What is the minimum amount due and how is it calculated?
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.
What is the total amount due and how do I check the same?
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.
What is the available balance on my credit card and how do I check the same?
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.
How do I know if there is an excess balance on my credit card and will it be
adjusted against my card outstanding?
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.
Card Renewal / Reissue / Dispatch
Will my card be renewed automatically and when will I receive the renewed card?
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
Why was my card not renewed?
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.
How can I get a new card?
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 .
How can I get a new card, if my existing card is lost?
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.
I have received a new card. I never requested for one. What is this card for?
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.
My card is damaged. How can I request for a replacement?
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.
When will the reissued card be dispatched?
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.
How can I track the status of the dispatched 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.
Can I place request to receive my card at a new mailing address?
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.
Will my credit card be delivered to family member / third party at my mailing
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.
PINS
What are the different types of PINS?
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.
How do I generate or change my credit card PINS?
ATM PIN
If you do not have an IPIN:
You can request for an ATM PIN and IPIN on the Citi Mobile app in few easy
steps:
STEP 1: Download the Citi Mobile App
STEP 2: Tap ‘New User’
If you already have an IPIN:
You can request an ATM PIN online in 4 easy steps:
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 "ATM PIN"
The screen that opens up will guide you through the procedure to be followed.
Alternatively, you can select your ATM PIN instantly through the Interactive
Voice Response (IVR) system by calling our 24*7 helpline at 1860 210 2484.
STEP 1: Select the Language & Key in your Credit card number
STEP 2: Select the option ‘For PIN services’
STEP 3: Select the option ‘For Credit Card PIN’
Click here to download a handy guide of the Interactive Voice (IVRS). On
dialing, you will be greeted by the Self Service Option which will guide you to
the account enquiry or transaction of your choice.
The above options to select APIN are also applicable for add-on cards. When your
credit card is reissued, you can continue using the existing APIN for the new
card.
You may change your existing ATM PIN at any of the Citibank ATMs. You would be
required to validate the same by entering your credit card number and the
existing ATM PIN to change your ATM PIN.
For any assistance kindly Click Here for live chat.
IPIN
You can select your new Internet login User ID and IPIN (password) online. As a
first time user, please click here to select your User ID and IPIN instantly.
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, please
follow the steps below:
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 user-friendly screen that opens up will guide you through the procedure to
be followed.
In case of any difficulty in selecting a new IPIN, please contact 24-Hour
CitiPhone Banking helpline.
When your credit card is reissued, you can continue using the existing IPIN to
login to your account. The new card details will reflect automatically.
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 Citibank products (if any) if the same are linked under
one customer number.
TPIN
You may request a TPIN by:
* Calling on 24-Hour CitiPhone Banking helpline. The TPIN is issued to you
instantly. The CitiPhone officer will take verifications and issue an instant
TPIN.
* By logging on to www.citibank.com/India with your User ID and Password.
* By transacting on any Citibank ATM with a KIOSK. You can login at the Kiosk
with your User ID and Password
You may change the TPIN on the Interactive Voice Response (IVR) System. The
request may be placed by entering your card number, existing TPIN and a new TPIN
(4 Digits) of your choice.
In case of any difficulty, you can contact 24-Hour CitiPhone Banking helpline.
When your credit card is reissued, you can continue using the existing TPIN.
Please note that, the TPIN will vary for various Citibank products availed by
you.
What is the use of my credit card PINS?
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.
When will my ATM PIN be dispatched and how can I track the status of the same?
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.
What is an EMV card (Chip & PIN card)?
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.
Transaction Dispute & Failure
What is a suspicious transaction?
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
What is the nature of transaction?
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.
My credit card has got debited for an unknown transaction - what can I do?
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
What should I do if my credit card got debited twice?
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.
How do I cancel a transaction that was declined at the time of incurring but
approved on my credit card?
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.
I'm expecting a refund from the merchant. How do I know the status of the same?
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.
How do I dispute a transaction?
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.
Where can I download the Card member Declaration Form?
To download this form, please click here. The details for sending the CDF are
provided in the form.
Statement / Billing
What is a billing date/cycle and due date? Can it be changed?
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.
What are modes of credit card statement and how do I view / get a statement?
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
When and where will I receive the physical statements for my credit card?
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
I am not getting my card statements delivered to my address?
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.
How do I register for Statement on Email?
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.
How does the unique password for my Statement on E-mail in PDF format work?
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.
How can I view my statement online?
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.
How can I place a request for duplicate statement?
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.
I have not received my monthly credit card statement, what can I do?
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.
Rewards Features
How do I earn reward points? How many points do I earn per transaction?
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
When will the welcome bonus offers/points be credited to my account?
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.
What are the different types of bonus reward offers and when will bonus points
be credited to my card account?
Kindly click on the card type and refer 'Benefits and Features' for the rewards
offer details.
Premier miles
Citi Rewards
Indian Oil
Cash Back
Is there an expiry date on the reward points accrued on my card?
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.
Can I redeem reward points accumulated on my closed credit card?
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
What is the ratio in which the reward points will be transferred to another
card?
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.
Rewards Redemption Options
What are the options for redeeming my Reward Points?
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.
How do I redeem my reward points instantly at merchant outlets?
1) Instant reward redemption
Pay for almost anything with Citi Reward Points
Just an SMS. It’s that simple! Anything. Anywhere
Step 1:
Transact using your Citi Credit Card
Step 2:
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
Step 1:
Transact using your Citi Credit Card
Step 2:
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
How do I redeem my reward points for gifts from the Rewards catalogue /
vouchers?
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.
How do I go about redeeming points instantly against fuel purchases?
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.
How can I redeem / transfer my points to get air miles?
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.
How do I redeem my reward points against the card outstanding?
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
Will the rewards redemption credit / cash be adjusted against the Minimum Amount
Due?
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.
Can I redeem the reward points accumulated on my card as cash and transferred to
my savings account?
Reward points accumulated on your card account cannot be redeemed as cash or
transferred to your savings account.
How do I redeem my reward points while shopping online?
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
Step 1:
Transact using your Citi Credit Card
Step 2:
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
Step 1:
Transact using your Citi Credit Card
Step 2:
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
Fees & Charges
What are the charges that would be applicable on my credit card?
To know about the various charges applicable on your Citibank credit card,
please Click here and choose your card type.
What is a membership fee and when will it be levied?
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.
Why am I being charged late payment charges? How is it calculated?
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
Why is interest charge levied when I paid my credit card dues on time?
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.
Will I be charged for ATM Cash withdrawal?
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.
What is Over Credit Limit charge and how is it calculated?
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.
I've been levied surcharges on using Indian Oil credit card at Indian Oil outlet
- why?
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.
Will I be charged for reissuance of my credit card?
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.
Why was I charged a processing fee for cheque payment made to my card account?
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
What is cheque bounce fee?
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.
Why am I being charged a surcharge for railway ticket booking?
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.
What are the charges for international 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.
What is the processing fee for making cash payment at the branch?
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.
What is Goods and Services Tax (GST)? Who is required to charge GST?
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.
Card Bill Payment
How do I make payments to my Credit Card?
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
* NEFT
* Epay
* 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.
How do I make a cheque payment for my credit card?
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.
Why was my cheque payment not credited to the card account?
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.
Why was my cheque payment returned to the card account?
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'.
How do I make cash payment for my credit card?
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.
How do I make an online payment for my Citibank credit card?
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.
How do I make a NEFT / RTGS payment?
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)
How long will it take for the NEFT / RTGS payment to be credited to my card
account?
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 2nd and 4th 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.
How do I register a Standing Instruction for my credit card payment?
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.
When will the Standing Instruction be executed?
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.
Why is a lesser amount deducted when I have a Standing Instruction for the Total
Amount Due?
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.
How do I cancel a Standing Instruction?
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.
How do I register for an NACH payment for my credit card account?
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.
What are the benefits of NACH?
* 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.
Why is a lesser amount deducted when I have an ECS/NACH for the Total Amount
Due?
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.
How do I know the status or cancel an ECS/NACH registered on my card account?
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.
How do I claim a refund of the excess balance on my credit 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.
What are charges levied if there is a delay / non-payment of my credit card
dues?
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.
How do I register to receive payment alerts for my credit card account?
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.
How do I make an IMPS payment for my credit card?
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)
How long will it take an IMPS payment to be credited to my card account?
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 Credit card
I want to apply for a loan on credit card, what is the procedure?
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
What is the rate of interest and the EMI amount for a loan on the credit card?
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.
I have received a loan offer on my credit card. What is the procedure to avail
the same?
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.
How quickly can I get a draft if applied for loan on credit card?
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.
Would reward points be given for booking a loan against credit card limit?
Reward points will not be accumulated for the EMI amount billed on your credit
card account for loan on credit card.
I want to pre-close or cancel my loan on credit card, what are the charges?
The loan availed on your credit card 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.
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.
EMI Options
How can I convert a credit card purchase / transaction into EMI?
'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
How do I convert the outstanding balance on my credit card into EMI?
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.
What is the Merchant EMI conversion?
'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.
Will I earn reward points for EMI transactions?
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.
What are the charges levied on the card for EMI conversions?
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.
I want to pre-close my EMI transaction. What is the procedure?
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.
How would the EMI be billed on my credit card?
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.
Insurance
What are the insurance products on Citibank credit card?
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.
How do I avail an Insurance product offered on Citibank credit cards?
To apply for an Insurance product offered by Citibank, please click here.
Alternatively, please contact our
24*7 CitiPhone Banking services.
Is there a facility to convert my insurance premium to EMIs?
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.
What is renewal procedure for the insurance product availed by me?
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.
How do I cancel the Insurance product availed by me?
To cancel an Insurance policy availed on your credit card, you can contact our
24*7 CitiPhone Banking services.
Will I receive a refund of the premium on cancellation of the policy?
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.
Utility Payment
How do I register for Bill Pay facility?
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.
How long will it take for the Bill Pay registration to be completed?
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.
When will the payment be credited to my utility account?
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.
What are the types of Bill Pay facilities offered by Citibank?
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.
What are the types of utilities to which payment can be made using the Bill Pay
facility?
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.
What is the procedure to add/register a Payee/Biller?
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'.
What is the procedure to delete/de-register a Payee/Biller?
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'.
How do I cancel a Bill Pay facility registered on my credit card?
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.
DND & Citialert
How do I register for CitiAlert services?
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.
How can I stop receiving marketing emails from Citibank?
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
Internet Banking
How to login to Citibank On line or How to generate User ID and IPIN?
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.
How can I view details of all the Citibank products availed by me?
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
Can I link all Citibank products availed by me through the online self-select
option?
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
Update Personal / contact details
How do I update the address on my credit card account?
We request you to refer to this link for step-wise details
What are the valid address proof documents?
We request you to refer to this link.
How do I update or correct my name or date of birth on my credit card account?
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.
Card closure / Reactivation
How do I close my Credit Card Account?
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.
How can I know my credit card balance on closure of the card?
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.
How do I re-activate my closed card?
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.
How do I block my credit card?
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.
Banking
Click on to expand and on to minimize the details.
Account Opening / Conversion / Closure
What are the benefits and features of my account?
Please select the account type:
* Citigold Account
* Citibanking Account
* Citibank Suvidha Salary Account
* Ready Credit Account
* Citibank Basic Savings Bank Deposit Account and Small Account
* Demat Account
* CitiBusiness Account
Employee Reimbursement Account (ERA) is offered only if you hold a Citibank
Suvidha Corporate Salary Account. You may contact your Human Resource or Payroll
department to check the corporate tie-up or to obtain the contact details of our
Corporate Relationship Managers.
I want to open an account with Citibank. What should I do?
CitiGold, CitiPriority
For opening a CitiGold account, please provide your contact details here and we
shall contact you to assist with account opening.
For opening a CitiPriority Account, please provide your contact details here and
we shall contact you to assist with account opening.
Citibank Suvidha Corporate Salary Account
Citibank Suvidha Corporate Salary Account is offered to employees of
organization that have an on-going salary account tie-up with us. You may
contact your Human Resource or Payroll department to check the corporate tie-up
and take forward the account opening formalities.
Employee Reimbursement Account (ERA)
ERA is offered only if you hold a Citibank Suvidha Corporate Salary Account. You
may contact your Human Resource or Payroll department to check the corporate
tie-up or to obtain the contact details of our Corporate Relationship Managers.
Senior Citizen Account
Kindly visit the nearest Citibank branch with your identity proof, address
proof, pan card and a recent passport size photograph.
Ready Credit Account
Citibank Ready Credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
Kindly note: Issuance of Citibank Ready Credit facility is at the sole
discretion of the bank and subject to its internal credit processing criteria.
Demat Account & Domestic Mutual Fund Account
Kindly visit the nearest Citibank branch with your identity proof, address
proof, pan card and a recent passport size photograph
Fixed Deposit
To book a fixed deposit, please login to Citibank Online and follow the steps
below:
Step 1: Click on the 'Investments' option on the top navigation panel
Step 2: Select 'Deposits'
Step 3: Choose 'Book Deposits' and follow the instructions.
Important: In case you hold a joint account with 'Either or Survivor' signature
rule, fixed deposits can be booked or closed online only if the Joint holder
Deposit Consent Form is updated in the bank records.
Please submit a signed Joint holder Deposit Consent Form at the branch.
For opening a CitiBusiness account, please provide your contact details here and
we shall contact you to assist with account opening.
What are the charges applicable on my account?
Please select the account type from the following for details of charges:
* Citigold Account
* Citibanking Account
* Citibank Corporate Salary Account
* Ready Credit Account
* Demat Account
How do I convert my account to a Citibank Suvidha Corporate Salary Account?
Please submit a duly filled Corporate Update form along with a proof of
employment (List is available on the form), at any of our branches.
You may contact your Human Resource or Payroll department to check the corporate
tie-up or to obtain the contact details of our Corporate Relationship Managers.
How do I convert my account to a Non-Resident Ordinary (NRO) Account?
To convert your savings account into NRO account, kindly submit a signed Rupee
Checking Account Opening Form along with the required documents (as mentioned in
the form) at the nearest NRI Center or any of the Citibank branches in India.
Please note that, in case you have any one of the additional following accounts
linked to your savings account, we request you to contact your nearest NRI
Center or Citibank India Branch for further details on the required
documentation.
* Domestic mutual fund account
* Credit card
* Employee Re-imbursement Account
* Ready Credit Account
* Personal Loan or Home Loan
How do I close my savings account?
We are concerned that you wish to close your account and we will be glad if you
reconsider your decision.
You may choose to request for account closure via any of the following channels:
* Please click here for Live chat.
* Contact our 24x7 CitiPhone helpline.
* submit a signed Account Closure Request form at your nearest Citibank Branch.
Please note that the account will be closed only if the below 3 criteria are
met:
* Account does not have negative balance.
* There are no active tax saver deposits, DMF, Demat account linked to the
savings account.
* There are no funds blocked on the account. However, you can continue using
your linked credit card (if any) post closure of your account.
To receive the closure proceeds in the account via NEFT, the closure request has
to be submitted at the branch in person.
For instructions received at mail room, the closure proceeds will be sent as a
draft to the registered mailing address.
Fees and Charges
Why are service charges levied on my account?
Service charges are levied on an account for non-maintenance of the required
minimum Net Relationship Value (NRV). Monthly fee for non-maintenance of the net
monthly relationship value is 1% of shortfall or the applicable service fee
whichever is lower. For details on the required minimum NRV, kindly refer the
Schedule of Charges of your account.
Example: If your actual average NRV for a month is 1,80,000 and the required NRV
is 2,00,000 you will be charged 1% of 20,000 i.e. 200; However, if your NRV is
1,30,000, you will be charged 600 (max. charge limit).
Please note, if your corporate salary account has not received salary credit for
three consecutive months, the account gets converted into a Citibanking account
wherein the required average NRV is INR one lakh. Please click here for the
Schedule of Charges pertaining to a Citibanking Account.
Working example of Average Monthly Net relationship Value
Serial No Holdings Rs Description a Current / Savings Account 25000 Average for
the month , calculated based on total of daily end of day balance/total number
of days b Fixed Deposit 25000 Daily end of day balances of principal amount /
total number of days c Mutual Funds 40000 Daily end of day balances / total
number of days d Loan against securities 25000 Daily end of day balances / total
number of days e Demat Holdings 100000 25% of the Demat average balance. Demat
average balance + Sum (non-pledged shares x Market rate) f Insurance Premium
10000 Sum of total premium paid g Mortgage/ Home Loan 500000 Outstanding
principal amount Average Monthly relationship Value 650000 a + b + c + d + 25%
x e + f + g
What is Net Relationship Value?
NRV is the total value of the relationship that the customer has with the bank.
NRV doesn't just include the average monthly balance in the savings account, but
also includes fixed deposits (FD's), investments & insurance policies taken
through Citibank, outstanding principal on Citibank Home Loans and a part of the
holdings in your Citibank Demat Account.
Working example of Average Monthly Net relationship Value.
Serial No Holdings Rs Description a Current / Savings Account 25000 Average for
the month , calculated based on total of daily end of day balance/total number
of days b Fixed Deposit 25000 Daily end of day balances of principal amount /
total number of days c Mutual Funds 40000 Daily end of day balances / total
number of days d Loan against securities 25000 Daily end of day balances / total
number of days e Demat Holdings 100000 25% of the Demat average balance. Demat
average balance + Sum (non-pledged shares x Market rate) f Insurance Premium
10000 Sum of total premium paid g Mortgage/ Home Loan 500000 Outstanding
principal amount Average Monthly relationship Value 650000 a + b + c + d + 25% x
e + f + g
For details on the required minimum NRV, kindly refer the Schedule of Charges of
your account.
What are the charges applicable on my account?
For details of charges applicable on your account, please click on the type of
account that you hold.
* Citigold Account
* Citibanking Account
* Citibank Corporate Salary Account
* Demat Account
Please note that the Citibank Suvidha salary account will be converted to a
Citibanking account, if salary is not credited for three consecutive months and
the revised Schedule of Charges will be applicable. Please click here for the
schedule of charges for a Citibanking account.
What is the annual fee applicable on my ATM / Debit card?
The annual fee applicable on the ATM/Debit card is as below:
ATM/Debit Card type Annual Fee Citibank Debit Card - Vanilla Complimentary
Citibank Indian Oil Debit Card Rs 500/- + GST Citibank Indian Oil Premium Debit
Card Rs 600/- + GST Citibank Shoppers Stop Debit Card Rs 500/- + GST Citibanking
Platinum card Complimentary (issued only to Citibanking account holders)
CitiPriority World Debit Card Complimentary (issued only to CitiPriority account
holders) Citigold World Debit Card Complimentary (issued only to CitiGold
account holders) Citigold Private Client World Debit Card Complimentary (issued
only to Citigold Private Client account holders)
What are the charges applicable on international usage of my Debit Card
A fee of USD 2.5 per transaction will be applicable on international ATM
withdrawal. Please note, the exchange rate on the date of debit card usage will
be applied. Click here for details of charges applicable on your account.
View / Edit personal & contact details
Do I need to submit address proof for change of mailing address Online?
We request you to refer to this link for step-wise details
How do I change my address or contact details?
We request you to refer to this link for step-wise details
How do I change my email address?
To view/edit your email address online, please login to Citibank Online with the
USER ID and IPIN and follow the steps below:
Step 1: Select 'Banking'
Step 2: Click 'Update Contact Details' on the left navigation panel
Step 3: Select 'View/Edit', select the relationship type and click on 'Generate
OTP'. The OTP will be sent to your registered mobile number. ****
Step 4: Select 'Authorise changes', key in your OTP and select submit.
Step 5: Click on 'Edit' against 'Email Address' and proceed to update your email
address.
OTP will not be sent if the mobile number has been updated in the account in the
last 3 days.
How do I update my PAN?
To update your Permanent Account Number (PAN), kindly use any of the following
options:
* Please Click Here to login to Citibank online and please enter your Pan card
number under Instant Pan update option. It will get updated immediately
Upload an attested copy of your PAN Card online.
(Note: The purpose of upload should be 'Update Pan Number')
* Visit your nearest Citibank Branch with your original PAN card.
How do I view, add or change nominee in my account?
Please check your monthly statement to ascertain whether a nominee has been
registered on your account. Please login to Citibank Online and click on
'e-statements' on the left navigational panel to download your account
statement.
To add a nominee, kindly fill up the DA1 form
To delete a nominee, kindly fill up the DA2 form
To change the nominee, kindly fill up the DA3 form
Please submit the duly filled and signed form along with a self attested address
proof of the nominee, at the nearest Citibank branch.
How do I add a joint holder to my account?
To add a joint holder to your account, kindly visit the nearest Citibank branch
with the identity proof, address proof and a photograph of the joint account
holder. Please note, the account holder and the joint applicant need to be met
in person at the branch.
How do I change the name on the bank records?
To update your Name/ Date of Birth/Gender, kindly use either of the following
options:
A) Visit the nearest Branch with any one of the following documents. Please
carry the original document for verification:
* Pan Card
* Passport
* Voter Id
* Driving license
* Aadhaar
Please Note:
* The name on the identity proof document should be the name to be updated on
the Bank account.
* If you have legally changed your name, please provide a copy of the "Gazette
Order" confirming the name change.
* To include your spouse's name as the surname after marriage, kindly provide a
copy of your 'Marriage Certificate.
* E-Aadhar card will not be accepted via Citibank online or mail room. It
should be downloaded at the branch by bank officers or in presence of the RM.
How do I change my signature in bank records?
To change your signature, kindly visit the nearest branch and provide a written
instruction with proof of your new signature.
Proof of signature includes PAN card, Passport, Driving license and Aadhaar
card.
Where do I see my account related information?
To view your account details like branch name, IFSC code, nominee details, joint
holder details, account balance and transaction details please refer to your
monthly statements. To download a duplicate statement, please login to Citibank
Online and follow the steps below:
Step 1: Select Banking
Step 2: Select 'e-Statements' in the left navigation panel
Step 3: Choose the account number from the option 'View/Print/Download
e-Statements'
Step 4: Select the month for which you require the statement to download
You can also click 'View Account Summary' on the left navigation panel for
account balance and transaction details.
Automated Teller Machine
What is an Automated Teller Machine (ATM)?
Automated Teller Machine is a computerized machine that provides the customers
of banks the facility of accessing their account for dispensing cash and to
carry out other financial & non-financial transactions without the need to
actually visit their bank branch.
What are White Label ATMs (WLAs)?
ATMs set up, owned and operated by non-banks are called White Label ATMs.
Non-bank ATM operators are authorized under Payment & Settlement Systems Act,
2007 by the Reserve Bank of India.
What is the difference between ATM and WLA (White Label ATM)?
i) In White Label ATM scenario, logo displayed on ATM machine and in ATM
premises pertain to WLA Operator instead of a bank. However, for a customer,
using WLA is just like using the ATM of other bank (bank other than card issuing
bank). ii) Acceptance of cash deposits at the WLAs is not permitted at present.
What has been the rationale of allowing non-bank entities for setting up of WLAs
?
The rationale of allowing non-bank entity to set up White Label ATMs has been to
increase the geographical spread of ATM for increased / enhanced customer
service.
What type of cards can be used at an ATM/WLA?
The ATM/ATM cum debit cards, credit cards and open prepaid cards (that permit
cash withdrawal) issued by banks can be used at ATMs/WLAs for various
transactions.
What are the services/facilities available at ATMs/WLAs?
In addition to cash dispensing, ATMs/WLAs may offer many other
services/facilities to bank customers. Some of these services include:
* PIN change (at all Citi ATMs)
* Request for Cheque Book (at all Citi ATMs)
* Account Information (at all Citi ATMs)
* Mini/Short Statement
* Cash Deposit (at select Citi ATMs, not permitted at WLAs)
* Regular Bills Payment (not permitted at WLAs)
* Purchase of Re-load Vouchers for Mobiles (not permitted at WLAs)
How can one transact at an ATM/WLA?
For transacting at an ATM/WLA, the customer inserts /swipes his/her Card in the
ATM/WLA and enters his/her Personal Identification Number (PIN). Usually the
transactions are menu driven for facilitating easy operation.
What is Personal Identification Number (PIN)?
PIN is the numeric password which is separately mailed / handed over to the
customer by the bank while issuing the card. Most banks require the customers to
change the PIN on the first use. Customer should not disclose PIN to anybody,
including to bank officials. Customers should change the PIN at regular
intervals.
Can these cards be used at any bank/non-bank ATM (WLA) in the country?
Yes. The cards issued by banks in India may be used at any bank / white label
ATM in the country.
Are customers entitled to any free transactions at ATMs?
Yes. With effect from November 01, 2014, a bank must offer to its savings bank
account holders a minimum number of free transactions at ATMs as under:
I. Transactions at a bank's own ATMs at any location: Banks must offer their
savings bank account holders a minimum of five free transactions (including both
financial and non-financial) in a month, irrespective of the location of ATMs.
II. Transactions at any other banks' ATMs at Metro locations: In case of ATMs
located in six metro locations, viz. Mumbai, New Delhi, Chennai, Kolkata,
Bengaluru and Hyderabad, banks must offer their savings bank account holders a
minimum of three free transactions (including both financial and non-financial
transactions) in a month.
III. Transactions at any other banks' ATMs at Non-Metro locations: At other
locations, banks must offer the savings bank account holders a minimum of five
free transactions (including both financial and non-financial transactions) in a
month at other bank ATMs.
RBI has mandated only the minimum number of free transactions at ATMs. Banks may
offer more number of transactions free of cost to their customers. The above
does not apply to Basic Savings Bank Deposit Accounts (BSBDA) as withdrawals
from BSBDA are subject to the conditions associated with such accounts.
Are customers charged for any transaction at ATMs?
Yes, customers can be charged for transactions at ATMs over and above the
mandated number of free transactions (as indicated in answer to Q.10 above). In
case a bank decides to levy charges, the customer can be charged a maximum of
Rs. 20/- per transaction (plus GST, if any) by his/her bank.
What should be done if card is lost / stolen?
The customer should contact the card issuing bank immediately on noticing the
loss / theft of the card and should request the bank to block the card.
From where can the customer get the contact numbers for lodging a complaint?
Banks are required to display the name and the contact numbers of concerned
officers/toll free number/help desk numbers in the ATM premises. Similarly, in
WLAs, contact number of officials/toll free numbers/ helpline numbers is also
displayed for lodging any complaint regarding failed/disputed transactions.
What steps should a customer take in case of failed ATM transaction at other
bank/white label ATMs, when his / her account is debited?
The customer should lodge a complaint with the card issuing bank at the
earliest. This process is applicable even if the transaction was carried out at
another bank's/non-bank's ATM. In case of WLAs, the contact number/toll free
numbers are also available for lodging complaints regarding failed transactions
at their ATMs.
Is there any time limit for the card issuing banks for re-crediting the
customers' account for a failed ATM/WLA transaction indicated under the question
above?
As per the RBI instructions (DPSS.PD.No.2632/02.10.002/2010-2011 dated May 27,
2011), banks have been mandated to resolve customer complaints by re-crediting
the customer's account within 7 working days from the date of complaint.
Are the customers eligible for compensation for delays beyond 7 working days?
Yes. Effective from July 1, 2011, banks have to pay compensation of Rs. 100/-
per day for delays in re-crediting the amount beyond 7 working days from the
date of receipt of complaint for failed ATM transactions. The compensation has
to be credited to the account of the customer without any claim being made by
the customer. If the complaint is not lodged within 30 days of transaction, the
customer is not entitled for any compensation for delay in resolving his / her
complaint.
What is the course of action for the customer if the complaint is not addressed
by his/her bank within the stipulated time / not addressed to his satisfaction?
The customer can take recourse to the Banking Ombudsman, if the grievance is not
redressed by the his/her card issuing bank.
What is the Grievance Redressal Mechanism available to users of WLAs in case of
failed/disputed WLA transactions?
The Grievance Redressal Mechanism available to users of WLA is same as that
available to users of banks' ATMs for failed/disputed transactions. While the
primary responsibility to redress grievances of customers relating to failed
transactions at such WLAs will vest with the card issuing bank, the sponsor bank
will provide necessary support in this regard, ensuring that White Label ATM
Operator (WLAO) makes available relevant records and information to the Issuing
bank.
What should be done to the ATM card when the card is expired or the account is
closed?
Customer should destroy the card upon card expiry or closure of account, cut it
into four pieces through the magnetic strip/chip before disposing it off.
How shall the customer keep his/her ATM/WLA transaction secure?
Customers should observe following Dos and Don'ts to keep their transaction safe
and secure at ATM/WLA:
* Customer should conduct any ATM/WLA transaction in complete privacy.
* Only one card holder should enter and access ATM/WLA kiosk at a time.
* He/she should never lend his/her card to anyone.
* Do not write PIN on the card.
* Never share PIN with anyone or seek help from anybody by handing over the
card and revealing the PIN.
* Never let anyone see the PIN while it is being entered at the ATM
* Never use a PIN that could be easily guessed. e.g. his/her birthday, birthday
of spouse or telephone number.
* Never leave card in the ATM/WLA.
* egister mobile number with the card issuing bank for getting alerts for ATM
/WLA transactions. Any unauthorized card transaction in the account, if
observed, should be immediately reported to the card issuing bank.
* Beware of any extra devices attached to the ATMs/WLAs. These may be put to
capture customer's data fraudulently. If any such device is found, inform the
security guard / bank/ white label ATM entity maintaining it immediately.
* Keep an eye on suspicious movements of people around ATMs/WLAs. Customer
should beware of strangers trying to engaging him/her in conversation or
offering assistance / help in operating the ATM
* Remember that bank officials will never ask for card details or PIN over
telephone / email. So, do not respond to any phishing mails from people
indicating that they represent your bank.
ATM card / Chequebook / Deposit slip / DD
How do I request a Debit card?
For debit card reissuance (on lost / stolen / damaged cards), please login to
Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Select 'Other Services and Queries' on the left navigation panel
Step 3: Click on 'Reissue card'
Step 4: Choose the card number and proceed to block and reissue the card.
Please note that the ATM PIN (APIN) will be generated automatically and sent to
your registered mailing address, as a shipment separate from your reissued debit
card.
My debit card is on the verge of expiry. Do I need to apply for a new card?
Your Debit card will be renewed automatically prior to expiry of the existing
card. The renewed card will be sent to your registered mailing address. The
existing APIN will be applicable on your new ATM card also (If the card number
is same).
If not, Please follow instructions given to create an APIN of your choice
instantly via the IVR or Citibank online.
How do I apply for a photo debit card?
For a photo card, please fill the Debit card issuance form and affix your
passport size color photo on the form. Kindly visit your nearest branch with the
duly filled form.
How do I request an add-on / mandate Debit card?
To request a mandate debit card, please visit branch.
Please note that the ATM PIN (APIN) will be generated automatically and sent to
the registered mailing address, as a shipment separate from the reissued debit
card. Kindly enclose a valid ID and address proof along with the instruction.
Valid proofs are PAN card, passport, voter Id, Driving license and Aadhaar card.
Please note the instruction needs to be signed by the account holder and the KYC
documents of the mandate needs to be self-attested.
How do I request a personalized Cheque book?
Please follow any of the below options:
Login to Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Click on "Order Cheque book" from the left navigation options
Step 3: Select the account for which you need a cheque book, and proceed.
or
Login to Citi mobile app and follow the steps below:
Step 1: Click on Menu button on the top left.
Step 2: Select "Service Requests".
Step 3: Select "Cheque book request".
Step 4: Select "Account" and proceed.
Send an SMS in the format CHQBOOK XXXX to 52484, where XXXX represents the last
4 digits of your debit card number. Please ensure that this SMS is sent from
your registered mobile number. The cheque book will be dispatched to the
registered mailing address within 4 working days.
How do I request for stop payment on a cheque?
To place stop payment on a cheque book or a cheque leaf, please login to
Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Click 'Other Services and Queries' on the left navigation panel
Step 3: Click on 'Stop payment' and follow the instructions
The cheque will immediately be placed under stop payment, if not already
presented for payment.
How do I request a cheque deposit slip?
To request a cheque deposit slip, please login to Citibank Online and follow the
steps below:
Step 1: Select 'Banking'
Step 2: Click 'Other Services and Queries' on the left navigation panel
Step 3: Choose 'Deposit slips'
Step 4: Select the account for which the cheque deposit slip is required and
submit your request.
The cheque deposit slip will be dispatched to the registered mailing address
within 1 working day.
I have requested an ATM card. However, I have not received it yet. How do I
track the delivery status?
We send an SMS to the registered mobile number and the registered email ID when
an ATM card is dispatched. This SMS carries the Airway Bill Number to track the
status of the consignment. You may refer to the website of the respective
courier company for the current status.
I have requested a Demand Draft. However, I have not received it yet. How do I
track the delivery status?
We send an SMS to the registered mobile number and the registered email ID when
a Demand Draft is dispatched. This SMS carries the Airway Bill Number to track
the status of the consignment. You may refer to the website of the respective
courier company for the current status.
My debit card and / or Demand Draft returned undelivered. How do I request for
that be sent again?
We send an SMS to the registered mobile number and the registered email ID when
an ATM card or a Demand Draft is dispatched. This SMS carries the Airway Bill
Number to track the status of the consignment. You may refer to the website of
the respective courier company for the current status.
Please note the consignment can be dispatched only to an address registered with
us or to a Citibank branch of your choice.
How do I book a Demand Draft?
To book a demand draft, please login to Citibank Online and choose 'Order Demand
Draft' on the left navigation panel and follow the instructions.
The demand draft will be dispatched to the specified address, in 1 working day.
How do I cancel a Demand Draft?
To cancel a demand draft,
* If original draft available: Please provide the signed cancellation request
along with the original draft.
* If original draft not available:
1. In case of a first party draft*, please submit a written instruction at the
branch nearest to you.
2. In case of a third party draft, please submit signed Purchaser indemnity
form on a stamp paper as per local stamp duty. In addition a Beneficiary
Acknowledgement for stop payment needs to be signed by the third party in
whose favour the draft has been issued. The signature of the beneficiary
should be attested by bankers to beneficiary/Notary public. The purchaser
indemnity can be signed as per signature rule updated in your account.
If the instrument is lost at your end in transit, a certificate from courier /
postmaster should be obtained stating that the said instrument is misplaced in
transit.
*First party is defined as demand drafts purchased by customer in own name.
ATM PIN / Telephone PIN / Internet Banking PIN
How do I request an ATM PIN?
If you do not have an IPIN:
You can request for an ATM PIN and IPIN on the Citi Mobile app in a few easy
steps:
Step 1: Download the Citi Mobile App
Step 2: Tap on ‘New User’
Alternatively, you can request for an ATM PIN and IPIN on Citibank Online:
Step 1: Visit www.citibank.com/india
Step 2: Click on “First Time User – Register Now”
The screen that opens up will guide you through the procedure to be followed.
If you already have an IPIN:
To generate your new ATM Password (APIN) instantly, please log in to Citibank
Online.
Please find below the steps to generate APIN post logging in to Citibank Online:
Step 1: Select the option "Banking" under “view account summary”
Step 2: Click on "PIN related" and select "ATM PIN" on the left panel
Step 3: Select the card number from the drop down list and enter your CVV number
Step 4: Click on "Generate OTP"
Step 5: Enter the OTP sent to your registered mobile number
Step 6: Provide the new ATM PIN and confirm
You can also select your ATM PIN instantly through the Interactive Voice
Response (IVR) system by calling our 24*7 helpline at 1860 210 2484. Click here
to download a handy guide of the Interactive Voice (IVRS). On dialing, you will
get the self-service option which you can follow to get your query resolved.
For any assistance, kindly click on live chat.
How do I request Telephone PIN (TPIN)?
To request a new Telephone PIN (TPIN), please login to Citibank Online and
follow the steps below:
Step 1: Select 'Banking'
Step 2: Click 'PIN related' on the left navigation panel
Step 3: Select 'Telephone PIN'
Step 4: Select the appropriate card number and proceed.
The TPIN will be sent to the registered mailing address within 1 working day.
How do I change my Internet Banking PIN (IPIN)?
To change your Internet PIN (IPIN), please login to Citibank Online and follow
the steps below:
Step 1: Select 'Banking'
Step 2: Select 'PIN related' in the left navigation panel
Step 3: Choose the 'Internet PIN' option and follow the online instructions
If you have forgotten your IPIN, please click here to reset the same. You will
be requested to input your ATM/Debit card number, CVV and Date of Birth to
create a new IPIN instantly.
Linking of Credit card to Savings account
How do I link a credit card to my savings account?
Please use either of the below options for linking:
* Through Citibank Online: Please login to Citibank Online and follow the steps
given 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.
* Through Citi mobile app:
Step 1: Click on Menu button on the top left.
Step 2: Select 'Service Requests'.
Step 3: Select 'Account Linking Request'.
Step 4: Provide the account number to be linked and click on continue.
The products will be linked within 2 working days if your name, date of birth
and address match in both the accounts. Once your accounts are linked, you will
see the linked credit card account number on your account summary page. In case
we are unable to link your credit card to your savings account, we will intimate
you vide an email to your registered email ID.
How do I ascertain the status of the linking request submitted vide Citibank
online?
Please note that your credit card will be linked to your savings account in two
working days if the name, date of birth and address in both the accounts match.
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.
Reward points
How many points have I earned?
Reward points can be checked on the account statement. To download your account
statement, please login to Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Select 'e-Statements' on the left navigation panel
Step 3: Choose the account number from the option 'View/Print/Download
e-Statements'
Step 4: Select the month for which you require the statement to download
Please note the points that you have earned in the current month will reflect in
the statement of subsequent month.
How do I earn reward points?
You will earn banking reward points for the below transactions:
Transaction Banking Reward Points Execution of Standing Instruction (SI) for a
Citibank Credit Card payment, loan payments or systematic investment plan (SIP)
5 Reward points Bill Payment on Citibank Online 5 Reward Points First login to
Citi Mobile within 60 days of account opening. 50 Reward Points First fund
transfer via Immediate Payment Service (IMPS), within 60 days of account
opening. 50 Reward Points
Please click here for details on purchase reward points.
Each reward point will be worth Re.1 and you can redeem reward points for cash
credit to your account. You will need a minimum of 250 reward points (1500 for
Citibanking Platinum debit card) for redemption. Reward points can be redeemed
in multiples of 50 only.
How do I redeem Banking reward points?
Each reward point will be worth Re.1 and you can redeem reward points for cash
credit to your account. You will need a minimum of 250 reward points (1500 for
Citibanking Platinum debit card) for redemption. Reward points can be redeemed
in multiples of 50 only.
To redeem the reward points, SMS REDEEM <Last 4 digits of your debit card
number> <Number of points to redeem> to 52484. Please ensure to send this SMS
from your registered mobile number.
You can also contact CitiPhone or write to us to redeem the reward points.
Please Note: Points on a Shopper's stop card can be redeemed only at a shopper's
stop outlet.
(Min Points: 250)
Do the reward points lapse?
If you earn less than 250 reward points in a membership year, the reward points
will lapse every membership year of your debit card.
Your reward points will be valid for a year and unredeemed points will lapse
every card membership year.
'A card membership year will begin from the 1st of the expiry month on your
debit card. For example, if your debit card is valid till Jun-2019, then your
card membership anniversary will be on 01-Jun of every year'.
If you have earned more than 250 reward points in a membership year, they will
be carried forward for one more year.
'The Citibank Platinum Debit Card reward points are evergreen and do not lapse.
A minimum of 1500 reward points are required for redemption'.
Transaction failure / Duplicate debit
What is a suspicious transaction?
A suspicious transaction is when
* Customer gets an alert of financial / non-financial transaction which is not
attempted by him and
* Card is in customer possession and
* Customer is not expecting any such attempt or transaction on his card/account
My IMPS transaction failed. What should I do?
The credit from an IMPS transaction is settled with the beneficiary instantly.
Please note in certain instances the IMPS transactions may fail due to technical
issues at the remitting bank, intermediary or beneficiary bank. Please contact
us post 5 working days in case the funds are not credited to the beneficiary or
not credited back to your account.
My mobile recharge transaction failed. What should I do?
If your account has been debited despite an unsuccessful mobile/DTH recharge,
please bear with us for 4 working days. Please contact us after 4 working days,
if the payment is not credited to mobile/ DTH account or funds are not returned
to your account.
My NEFT / RTGS fund transfer transaction failed. What should I do?
Please note that the funds will be credited back to your account, if the NEFT /
RTGS fails due to any technical issue. Please contact us if the funds are not
credited back to your account in 1 working day.
My purchase transaction failed. What should I do?
If your account has not been credited back automatically for void/cancelled
transactions, please write to us at retail.dox.india@citi.com with the void
slip* or confirmation from the merchant, to claim the refund.
Please note that this email id is meant only to receive supporting documents for
certain set of queries. We regret that we would not be able to process any other
request(s) received on this e-mail address.
*You can obtain the void slip from the merchant with whom the transaction was
carried out.
How do I report if an ATM cash withdrawal transaction failed or money partially
dispensed?
If you have attempted to withdraw cash from an ATM and money is not dispensed/
partially dispensed, please click here to report to us immediately.
What should I do, if I notice an unauthorized transaction in my account?
Please click here to contact us and place a request to block your card
immediately in case you receive an alert for a transaction that you have not
initiated or if you notice an unauthorized transaction in your account
statement.
You can also block your card online by following the steps below:
Step 1: Select 'Banking'
Step 2: Select 'Other Services and Queries' on the left navigation panel
Step 3: Click on 'Report lost/stolen card/Reissue card'
Step 4: Choose the card number and proceed to block and reissue the card
Please note that the ATM PIN (APIN) will be generated automatically and sent to
your registered mailing address, as a shipment separate from your reissued debit
card.
Fund transfer, IFSC, MICR, SWIFT
What is the IFSC, MICR and SWIFT code pertaining to my account?
In case you know the branch where your account was opened, please click here for
the list of IFSC codes. For MICR codes, please click here
SWIFT code for Citibank India is CITIINBX
Your IFSC code, MICR code, branch name and address are available on your monthly
statement and Cheque book. To download a duplicate statement, please login to
Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Select 'e-Statements' on the left navigation panel
Step 3: Choose the account number from the option 'View/Print/Download
e-Statements'
Step 4: Select the month for which you require the statement to download
Please click here to know more about the Online Funds Transfer facility.
How do I add and authorize a payee for Funds Transfer?
You can add payee through either of the below options:
Citibank Online:
* Login to Citibank Online and select 'Transfer funds' in the left navigation
panel. You can transfer funds to another Citibank account or to any other
bank account.
* Please choose the appropriate option in this page and click on 'Add New
Payee'.
* Please input the beneficiary account details to register the payee.
* Authorize payee using OAC sent to registered mobile number
Citi mobile app: Please login to your Citi mobile app and follow the below
steps:
Step 1: Select the account from which the transaction has to be processed.
Step 2: Select 'Make a Transaction'.
Step 3: Select 'Add Payee'.
Step 4: Select desired option.
Step 5: Provide the requested details and click on continue.
Once the payee is registered, you can transfer up to Rs 50,000/- immediately,
and after a cool-off period of 24hrs (excluding holidays), you can transact up
to the limits specified below. We will send you an email which confirms the
exact time up to which the said restriction (of Rs 50000) will be applicable.
Type of Account Daily Transaction limit: CitiGold 50 lakhs (inclusive of all
transactions), Citi Priority 2 lakhs, Citibanking 15 lakhs (inclusive of all
transactions), Suvidha Corporate 15 lakhs (inclusive of all transactions).
Please note that payee must be added separately for NEFT/IMPS and RTGS
transfers.
How do I transfer funds abroad?
To understand the requirements for transferring funds abroad, kindly visit the
branch nearest to you as the documents required vary basis the purpose of
remittance.
What should I do if I have not received proceeds of an inward remittance in my
account?
According to FEMA regulation, the purpose of remittance must be specified in the
wire transfer message, to receive funds from an overseas account. If the purpose
of remittance is not specified, we will send you an alert from the email ID
CitiAlert.India@citicorp.com, requesting to confirm the same in 48 hours, for us
to process your transaction.
Kindly note that in the absence of valid purpose information, we will not be
able to process the transaction and will be constrained to return the funds to
the remitting bank.
Please note that it may take upto 48-72 hours to credit the funds into your
account after receiving the response from your registered email id.
If you have neither received the funds, nor the alert, please contact us with
the telex copy of the remittance (available with the remitter or remitting
bank), for us to trace the funds.
What are the charges applicable on outward remittance?
Outward remittance:
Please click here for details on charges applicable on outward remittance.
Inward remittance:
No charges are levied by Citibank India on inward remittances. Your account gets
credited for the amount received from the remitting bank. However, there may be
charges levied by the remitting bank or intermediary bank, details of which you
may kindly check with the remitter.
Where can I learn more about the Online Funds Transfer facility?
Please click here to know more about the Online Funds Transfer facility.
Ready Credit / Overdraft facility
What is a Ready Credit Account? How do I apply for the same?
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
What are the charges applicable on a ready Credit Account?
Please click here for the schedule of charges applicable on a Ready Credit
Account.
Am I eligible to apply for a Ready Credit Account?
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. Please click here to check the eligibility
criteria. To apply for a Ready Credit Account, please click here.
Please note: Issuance of the Citibank Ready Credit facility is at the discretion
of the Bank and subject to its internal approval criteria.
I have applied for a Ready Credit Account. When will my account be opened?
Your Ready Credit Account will be opened in 7 working days from the date of
application. Once the account is opened, your account number will reflect on
your Citibank Online Account summary page. However, the limit will be assigned
to you post the subsequent salary credit.
Your Ready Credit account will automatically be closed in case we are unable to
extend a limit to your account. We would also send an email / letter confirming
the reason to your registered email ID / mailing address
Please note: Issuance of the Citibank Ready Credit facility is at the discretion
of the Bank and subject to its internal approval criteria.
How do I make payment towards Ready Credit Outstanding?
There are several options for making payments to your Ready Credit Account:
* Fund transfer vide Citibank Online, Citi Mobile, NEFT, RTGS
* Cheque/Demand Draft deposit at Citibank ATMs
* Sending Cheque or Draft by post / courier to 'Citibank N.A. Mail Room,
ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai,
Mylapore, Chennai - 600004'.
Please note,
* The monthly minimum payment of 5% of your outstanding balance will be
deducted from your linked savings account on the date of salary credit
* The interest on your total usage will be deducted from your linked savings
account on 1st of every month. In case there is no usage of the facility,
there will be no interest payable.
I wish to have my ready credit limit increased. What should I do?
We review the limit assigned to you on an annual basis and whenever you are
eligible for an increased limit, we inform you vide an email and Citibank
Online. Please login to Citibank Online and visit the 'Inbox' section on top of
the page, to view and accept the offer for Credit Limit Increase.
Kindly note, we may reduce the credit limit if there is a decrease in salary or
change in your credit history.
How do I close my Ready Credit Account?
To close the Ready Credit facility, kindly use any of the below options:
* Contact 24x7 CitiPhone helpline.
* Send the request via Citibankonline 'Your Queries' link
* Send a signed written instruction mentioning your 10-digit Ready Credit
account number to: Citibank N.A, Mail Room, ACROPOLIS, 9th Floor, New Door
No.148, (Old No.68) Dr. Radhakrishnan Salai, Mylapore,
Chennai - 600 004.
For any assistance, kindly Click Here for Live Chat.
Please note: Any outstanding amount on the account needs to be paid prior to
closure of the Ready Credit account.
Deposit related / TDS / Form 15G / Form 15H
At what rate do I earn interest on my deposits and savings account?
Please click here for our current deposit interest rates.
The Interest rate offered on a savings account is 3.5% per annum. The interest
amount is credited to your savings account on quarterly basis.
How do I book a deposit online?
To book a fixed deposit, please login to Citibank Online and follow the steps
below:
Step 1: Select 'Banking'
Step 2: Click on the 'Other Services and Queries' on the left navigation panel
Step 3: Choose 'Book Deposits' and follow the instructions.
Important: In case you hold a joint account with 'Either or Survivor' signature
rule, fixed deposits can be booked or closed online only if the Joint Holder
Deposit Consent form is updated in the bank records.
Please submit a signed Joint holder Deposit Consent Form at the branch
How do I update my PAN?
To update your Permanent Account Number (PAN), kindly use any of the following
options:
* Please Click Here to login to Citibank online and please enter your Pan card
number under Instant Pan update option. It will get updated immediately
Upload an attested copy of your PAN Card online.
(Note: The purpose of upload should be 'Update Pan Number')
* Visit your nearest Citibank Branch with your original PAN card.
How do I close a deposit?
To close a deposit, please Click here to login to Citibank online and follow the
below steps :
Step 1: Select 'Banking'.
Step 2: Click on the 'Investments' option on the top navigation panel.
Step 3: Select 'Close Deposit' option under 'Deposits' and proceed
Important: In case you hold a joint account with 'Either or Survivor' signature
rule, fixed deposits can be booked or closed online only if the Joint Holder
Deposit Consent form is updated in the bank records.
You can submit the signed Joint holder Deposit Consent Form at the branch
What are the charges applicable on premature withdrawal of fixed deposit?
Penal interest is applicable on pre-mature withdrawal of deposits. The interest
rate applicable on the withdrawn amount shall be lower of:
1. 1% less than the interest rate at which the deposit was booked
Or
2. 1% less than the interest rate corresponding to the period for which the
withdrawn amount has been maintained
For example, let us consider the case of a principal amount of Rs 1,000 booked
as a deposit for a period of one year at an interest rate of 9.5%.
If a premature withdrawal of this amount is made in the 6th month, and the 6
month deposit rate is 6.5%, then the rate of interest applicable for this
deposit will be the lower of
1. 9.5%-1%=8.5%
or
2. 6.5%-1%= 5.5%
ie 5.5%
Why is my maturity amount same as the principal amount?
The principal and maturity amount remains the same in case you have chosen the
simple interest method, as the interest will be paid out on a quarterly basis.
However, if you have chosen the compound interest method, the interest gets
accrued / added to the principal and the maturity amount includes the interest
as well.
What is the deduction on my maturity amount?
If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted
at Source) will be applicable. The maturity amount will be credited to your
account post deduction of TDS.
The TDS certificate will be sent to your registered mailing address on a
quarterly basis. Generally, the certificates are sent in July, October, January
and May.
How do I request a TDS certificate?
If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted
at Source) will be applicable. The maturity amount will be credited to your
account post deduction of TDS.
The TDS certificate will be sent to your registered mailing address on a
quarterly basis. Generally, the certificates are sent in July, October, January
and May.
How do I update form 15 G / form 15 H?
To update your Form 15G/15H, kindly use the following options:
* Please Click Here to login to Citibank online and submit documents online.
* You can visit the nearest Branch with your Form 15G/15H.
E-tax payment / Investments Related
When will I get the tax payment receipt / challan?
E-challan for the tax remitted through Citibank online, will be mailed to you in
2 working days. The same will be sent to the email address specified at the time
of remittance.
There is a discrepancy in the e-challan. What should I do?
In case you observe any discrepancy in your e-challan (if you have chosen an
incorrect assessment year or paid incorrect amount), kindly contact the Income
Tax department to claim a refund.
How do I open an Investment Services account?
To open an Investment Services Account, please visit the Citibank branch with an
ID proof, address proof, photograph and your PAN card.
How do I invest in Mutual Funds / SIP?
To invest in Mutual Funds through Citibank, you need an Investment Services
Account (ISA) with us. To open an ISA, please submit your KYC documents
(self-attested copies of PAN card, address proof, and the KYC form) at the
nearest branch.
Once your account is opened, please login to Citibank Online and complete your
Risk Profiling to ascertain your risk appetite. You can start executing
investments once your KYC is verified and risk profiling is completed.
For your first investment, you may fill in the Common Transaction Form and
submit it at the nearest branch for processing. Subsequent transactions to the
same Asset Management Company (AMC) can be executed on Citibank Online.
If your account is assigned with a Relationship Manager, kindly contact him/her
and submit the filled in Common Transaction Form. To view the contact details of
your Relationship Manager, please login to Citibank Online and follow the steps
below:
Step 1: Click on 'Home' tab on the top navigation panel
Step 2: Click 'Contact' under Relationship Manager
How do I redeem Mutual Funds?
To redeem your mutual fund, please follow the steps below:-
Step 1: Click 'Investments' on the top navigation panel
Step 2: Click on 'Redeem Mutual Funds' and follow the onscreen instructions
Please note that the time taken for redemption proceeds to be credited to your
account, differs between different categories of Mutual funds. Generally,
redemption proceeds are credited in three to four working days from the date of
redemption.
NACH/ ECS / Standing Instructions
How do I register for NACH?
To register a NACH on your account, please fill the NACH form and submit the
same to the beneficiary bank/entity. To download the form, please click here.
How will I know once an NACH is registered?
Once a NACH is registered on your account, we will send you an SMS, email and
letter.
Instances where the NACH is routed through an intermediary (eg, Tech Process or
IndiaIdeas), the alert would carry the name of the intermediary and not the
Service Provider. We regret to inform that we currently do not have a provision
to include the name of the service provider for such instances.
How do I cancel an NACH registered on my account?
To cancel an NACH, kindly instruct the service provider. You may also place a
cancelation, stop payment or revocation request on NACH to us through any one of
the following ways:
* Contact our 24*7 CitiPhone Helpline
* Send a written instruction specifying your account number, name of the
service provider and the utility code to Citibank N.A. Mail Room, ACROPOLIS,
9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore,
Chennai - 600 004
* Submit a written instruction at your nearest Citibank branch
* Write to us through Citibank Online
Kindly note: Stop payment can be placed for a particular Utility code and amount
based on UMRN number.
How do I place a standing instruction on my account?
You can register for Standing Instruction through Citibank Online for the
following:
Demand Draft SI towards a new payee
Step 1: Click on 'Order demand draft' on the left navigation panel and select
'Register New Beneficiary'.
Step 2: Select the beneficiary options available on this screen and follow the
on-screen instructions.
Step 3: Please input the address and contact details.
Step 4: Authorize the transaction by inputting the OAC received on your
registered mobile number
Step 5: Select 'Draw a DD Now' and key in the amount
Step 6: Select 'I wish to place recurring payment instruction for this transfer'
and follow the instructions.
Demand Draft SI towards an existing payee
To register a Standing Instruction to an existing payee, please follow the below
steps:
Step 1: Click 'Order demand draft' on the left navigation panel
Step 2: Select 'Set Recurring DD request' against the registered payee and
follow the onscreen instructions
Transfer to another Citibank India account- New payee
Step 1: Click on 'Transfer Funds' on the left navigation panel
Step 2: Select 'Add New Payee' and input the account number
Step 3: Authorize the payee by inputting the OAC received on your registered
mobile number
Step 4: Select 'Make Payment Now' and key in the amount
Step 5: Select 'I wish to place recurring payment instruction for this transfer'
and follow the instructions.
Transfer to another Citibank India account- Existing payee
To register a Standing Instruction to an existing payee, please follow the steps
below:
Step 1: Select 'Transfer funds' on the left navigation panel
Step 2: Select 'Set Recurring DD request' against the registered payee and
follow the onscreen instructions
Utility Bill Payments
To register a new biller, please follow the steps below:
Step 1: Click 'Bill Pay' on the left navigation panel
Step 2: Select 'Register new biller'
Step 3: Select the utility bills that you wish to pay and submit the
instruction.
Please note, the bill pay facility will be activated post confirmation /
verification from the biller.
Systematic Investment Planning for Investments
Step 1: Click on 'Bill Pay' on the left navigation panel,
Step 2: Select 'Register new biller' and choose the location from the drop down.
Step 3: Select 'Mutual Fund' from the next drop down and choose the exact fund
which you wish to invest in and follow the onscreen instructions.
Credit card payments (self/third party)
Step 1: Click on 'Pay credit card bill' on the left navigation panel and select
'Register Now'
Step 2: Input the credit card number towards which you would like to make a
recurring payment and follow the onscreen instructions.
Please note, only Citibank, SBI and AMEX credit card payment can be done vide
this option.
How do I cancel Standing Instruction registered on my account?
Please login to Citibank Online and select 'Standing Instructions' on the left
navigation panel to view / edit / cancel the standing instructions registered on
your account.
Utility / Bill Payment
What are the benefits and features of 'Bill Pay' facility?
You can pay your electricity bill, mobile and telephone bill, SIP and insurance
premium through 'Bill Pay'.
To view the list of billers, please login to Citibank Online and follow the
steps below:
Step 1: Select 'Banking'
Step 2: Select 'Bill Pay' on the left navigation panel
Step 3: Choose 'Register new biller'
Step 4: Please click on 'View All Billers' and choose your city for the
exhaustive list of billers
To register a new biller, please login to Citibank Online and follow the steps
below:
Step 1: Select 'Banking'
Step 2: Click 'Bill Pay' on the left navigation panel
Step 2: Select 'Register new biller'
Step 3: Select the utility bills that you wish to pay and submit the
instruction.
Please note, the bill pay facility will be activated post confirmation /
verification from the biller.
How do I view the list of service providers online?
To view the list of billers, please login to Citibank Online and follow the
below procedure
Step 1: Select 'Banking'
Step 2: Select 'Bill Pay' on the left navigation panel
Step 3: Choose 'Register new biller'
Step 4: Please click on 'View All Billers' and choose your city for the
exhaustive list of billers
How do I register a new biller?
To register a new biller, please login to Citibank Online and follow the steps
below:
Step 1: Select 'Banking'
Step 2: Click 'Bill Pay' on the left navigation panel
Step 3: Select 'Register new biller'
Step 4: Select the utility bills that you wish to pay and submit the
instruction.
Please note, the bill pay facility will be activated post confirmation /
verification from the biller.
How do I view / modify / de-register a biller?
To view / modify / de-register your utility bill payments online, please login
to Citibank Online and follow the below steps below:
Step 1: Select 'Banking'
Step 2: Click 'Bill Pay' on the left navigation panel
Step 3: Select 'Pay/Manage bills' and follow the instructions.
How do I recharge my mobile / DTH vide Citibank Online?
To recharge your Mobile / DTH, kindly login to Citibank Online and click 'Mobile
/ DTH recharge' on the left navigation panel and proceed with the onscreen
instructions.
My mobile / DTH recharge failed. When will the funds be credited back?
If your account has been debited though your mobile / DTH recharge has been
unsuccessful, we request you to bear with us as completion of the transaction
may take upto 4 working days.
We request you to contact us after 4 working days, if the payment has neither
been credited to the mobile / DTH account, nor credited back to your account.
Statement / Certificates
How do I place a request for an account statement?
To request a duplicate statement carrying account number and mailing address,
please login to Citibank Online and follow the steps below:
Step 1: Select 'Banking'
Step 2: Click 'View/ Download statement' on the left navigation panel
Step 3: Select 'Statement at your inbox / doorstep' and input the required
duration.
Step 4: Choose the option 'Email ID with statement carrying address and account
details in clear' from the options given.
The duplicate PDF statement will be sent to your Email ID within 24 hours. The
password to open the statement will be sent to your registered mobile number.
How do I download my account statement?
To download a duplicate statement, please login to Citibank Online and follow
the steps below:
Step 1: Select 'Banking'
Step 2: Select 'View / Download statements' in the left navigation panel
Step 3: Choose the account number from the option 'Statement at your inbox /
doorstep' and proceed
How do I register for receiving statement on e-mail?
To register for 'Statement on email', please login to Citibank Online and follow
the steps below:
Step 1: Select 'Banking'
Step 2: Click 'view/download statement' on the left navigation panel
Step 3: Select 'Account Number from the drop down under option 'Register now for
e-Statements & Go Green !' and proceed.
How do I request a certificate confirming balance / address / transaction?
The Balance, Address and Transaction details are available on your monthly
statements. To request a duplicate statement, please click 'Other Services and
Queries' on the left navigation panel and select 'Request duplicate statement'
and input the required duration.
How do I request a TDS certificate?
If the interest earned in a financial year exceeds Rs 10000/-, TDS (Tax Deducted
at Source) will be applicable. The maturity/ interest amount will be credited to
your account post deduction of TDS.
The TDS certificate will be sent to your registered mailing address on a
quarterly basis if PAN card is updated. Generally, the certificates are sent in
July, October, January and May.
How do I request a Tax Saver Deposit advice?
For every Tax saver deposit booked, you will receive a deposit advice within 2
working days. In case you wish to receive a duplicate Tax Saver deposit advice,
please write to us or contact CitiPhone.
Online / Mobile banking
How do I change my user ID?
To change your user ID, please login to Citibank Online and follow the steps
below:
Step 1: Select 'Banking'
Step 2: Click on 'Other Services and Queries' on the left navigation panel
Step 3: Select 'Change User ID' and input the User ID of your choice.
How do I access Citibank website on mobile phone?
iPhone and Android phone users can download the Citi Mobile App from App Store
and Android Market respectively. You may also download the application by
sending an SMS in the format 'SMS MBANK' to '52484'.
Please note, users with Windows OS can visit the mobile version of our website
at m.citibank.co.in and fulfill their banking needs.
Please click here for further details on mobile banking functionalities.
Branch / RM contact
How do I ascertain the branch where my account was opened?
Your branch name, address, IFSC and MICR code are also available on your monthly
statement and Cheque book. To download a duplicate statement, please login to
Citibank Online and follow the steps below:
Step 1: Select 'e-Statements' in the left navigation panel
Step 2: Choose the account number from the option 'View/Print/Download
e-Statements'
Step 3: Select the month for which you require the statement to download
In case you know the branch where your account was opened, please click here for
the list of IFSC codes.
To locate the nearest branch and for details like branch address, contact number
and timings, please click here
How do I locate the nearest Citibank branch?
To locate the nearest branch and for details like branch address, contact number
and timings, please click here
In case you have an existing Citibank account, and wish to know your branch
details (address, IFSC and MICR code), you can view the same on your monthly
statement and Cheque book. To download a duplicate statement instantly, please
login to Citibank Online and follow the steps below:
Step 1: Select 'e-Statements' in the left navigation panel
Step 2: Choose the account number from the option 'View/Print/Download
e-Statements' and proceed with the onscreen instructions.
How do I contact my Relationship Manager?
To view the contact details of your Relationship Manager, please login to
Citibank Online and follow the steps below:
Step 1: Click on 'Home' tab on the top navigation panel
Step 2: Click 'contact' under 'Relationship Manager'
DND / CitiAlert
How do I register for 'Do-Not-Disturb' (DND)?
If you are a Citibank customer, please provide your details here to place your
account under DND
In case you do not have a Citibank relationship, please provide your details
here to place your account under DND.
How do I view / modify for alerts on email / SMS?
To view / modify alerts on email or SMS, please login to Citibank Online, select
'Banking' and click 'Citialert' on the left navigation panel and follow the
onscreen instructions.
Demat related
How do I open a Demat Account?
To open a Demat account with us, please visit our branch nearest to you with
your original PAN card, photograph, ID proof, address proof & cheque leaf.
Please note that the Demat A/c cannot be used for Trading Purpose. Please click
here for details, benefits and charges applicable on a Demat account
When do I receive my Demat Account Statement?
You will receive a monthly statement from NSDL and an annual statement from
Citibank.
How do I transfer shares from my Citibank Demat Account?
To transfer shares from your Citibank Demat account, kindly walk in to the
nearest branch and submit the below documents:
* Annexure L if the transferee account is with a Depository Participant
affiliated to NSDL.
* Annexure N if the transferee account is with a Depository Participant
affiliated to CDSL.
To ascertain if the transferee Demat account is with a Depository Participant
affiliated to NSDL or CDSL, please visit their respective websites.
To transfer shares vide Citibank Online, please walk in to the branch nearest to
you and provide a Power Of Attorney (POA) to Citibank to execute share
transfers. Please note, online share transfer can be done only if the transferee
account is with a Depository Participant affiliated to NSDL
The Annexure L and Annexure N booklets would have been dispatched to you at the
time of Demat account opening.
In case the booklet is lost, stolen or misplaced, kindly send a written
instruction signed by all the holders with the reason for requisition (book has
been misplaced, etc.) to the nearest Citibank branch or mail it to 'Citibank
N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr.
Radhakrishnan Salai, Mylapore, Chennai - 600004'. Please enclose your
transaction statement (attested by you) along with this request.
How do I de-materialize my shares?
Dematerialization is the process of conversion of physical share certificates
into electronic form. To dematerialize your shares, please walk-in to our branch
nearest to you and submit the Original Share Certificates along with a written
instruction.
Dematerialization will take approximately two to four weeks depending on the
time taken by the company / their Registrar & Transfer agent.
Loans
Click on to expand and on to minimize the details.
FAQ's
I have not received my Loan Statement of Accounts
Your Loan Statement of Account showing the amount due, the interest charged and
other relevant particulars will be sent during the month of March every year. If
you have not received your statement, you can contact our 24-hours CitiPhone
Priority Service Numbers or download the same using your QPIN.
Can I change my mode of payment?
We provide you the option of changing your mode of payment, as per your
convenience. You can either change your payment mode between Standing
Instruction (SI) and Electronic Clearing System (ECS)
* If you wish to change your mode of payment from SI to ECS, you can download
the form from
Electronic Clearing System (ECS)
Standing Instruction (SI)
Can I prepay my Home Loan?
Yes, you are allowed to prepay your loan. You can also choose to make partial
prepayments on your home loan. Please refer to the Terms and conditions
mentioned in the loan agreement to know more about the applicable charges on
prepayments.
Personal Loan
FEATURES
What is Citi Personal Loan?
Citi Personal Loan is a quick and easy way for you to access extra cash when you
need it. You can get the funds you require (and are eligible for) as an
unsecured loan availed on fixed terms, with each repayment going towards
repaying both the interest and the principal. Citi Personal Loan features a
simple pricing structure that supports our belief in 'easy to understand'
banking.
What is the amount I am eligible for?
The amount of money you can borrow depends on your income and other financial
commitments. Citi Personal Loans offer a minimum amount of Rs.1,00,000 and a
maximum amount of Rs.30,00,000.
How does a Citi Personal Loan benefit me?
You can use a personal loan for any purpose such as home improvement, planning
your dream wedding or to tidy up your finances with a balance consolidation
loan. However, as per RBI regulations, you are legally bound not to utilize the
Loan for any antisocial, unlawful, or speculative purposes. Nor should you use
the loan funds for purchase of gold in any form, including gold bullions, gold
coins, gold jewelry, gold exchange traded funds, and gold mutual funds. This is
applicable to all personal loans.
How quickly can I get the money?
You get the money within 48 hours* of loan approval and documentation
completion. The amount will be electronically transferred to your bank account
or in a form of a DD as per the details provided to us. In case of Balance
transfer loan, the amount will be transferred in a form of a Demand Draft.
T&C apply
What is the interest rate I will be charged?
The interest rate for a Citi Personal Loan account is determined on the basis of
Citibank's Prime Lending rate. The details are also available in our website.
You may Contact our 24*7 Citiphone helpline to know the best interest rate that
could be offered to you.
APPLICATION RELATED
Who can apply for a Citi Personal Loan?
Citi Personal Loans are currently available for salaried individuals,
self-employed professionals and business owners. Existing Citibank customers
with a Suvidha, Branch or a Mortgage relationship can also avail a Citi Personal
Loan.
How to apply for a Citi Personal Loan?
It is easy to apply for a Citi Personal Loan in just 3 steps.
-Select Personal Loan under 'Loans' tab.
-Click on 'Know more and Apply' or 'Click 4 Call'
-Our officer will contact you within 2 working days.
If you hold a Savings account, you can also apply for the same by logging into
your Citibank online account.
What documents do I need to submit?
Documents verifying Identity and Address must be provided
Completed Application Form
Income documents like latest salary slip and Bank Statements
Click here for a complete list of documents.
How do I check the status of my application?
You would be provided with a personal loan application number/form number, which
is a unique number. Please contact our 24*7 CitiPhone helpline to know the
status of your application.
What is a Credit Information Company?
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.
Citi 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.
What is a credit score? How does it affect my application?
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.
DISBURSEMENT RELATED
How will I get the personal loan amount?
The personal loan amount will be disbursed in 48 hours subject to loan approval
and required documentation. The amount will be disbursed through any of the
following:
* Direct credit to your existing Citibank savings account (or)
* NEFT transfer to your savings account held with other bank (or)
* Demand draft will be dispatched to your mailing address
Why is the personal loan disbursal amount less than the loan sanction amount?
The loan amount disbursed will be post deducting the following from the
sanctioned amount.
. Booking fee/Processing fee : Upfront fee payable by you towards expenses
incurred by the bank over the tenure of the loan . Stamp duty: Charged for the
loan agreement as per State law . Interest due: Interest due for the number of
days between the loan booking date and the last day of the same month will be
deducted upfront from the loan amount disbursed
In case of a top-up loan, the following will be deducted from the sanctioned
amount:
. Principal outstanding : The Principal outstanding on the existing loan. .
Interest outstanding : Interest applicable from the last EMI received date till
closure of old loan. . Booking fee/Processing fee : Upfront fee payable by you
towards expenses incurred by the bank over the tenure of the loan. . Stamp duty
: Charged for the loan agreement as per State law. . Interest due : Interest due
for the number of days between the loan booking date and the last day of the
same month will be deducted upfront from the loan amount disbursed.
Please click here to view the detailed Schedule of charges.
INTEREST RATE/CHARGES
Will I be charged any processing fee? Are there any other charges?
Processing fee is a non-refundable upfront fee payable by you towards expenses
incurred by the bank over the tenure of the loan and is as per the Terms and
Conditions of your agreement with us. This amount is deducted from the loan
amount disbursed to you. Stamp Duty to be charged for the loan agreement, as per
state law. Please click here to view the Schedule of charges.
How is the interest calculated?
Interest is calculated on the unpaid daily balance of your loan and is charged
to the loan on a monthly basis. The interest rate applied each day is equal to
your annual interest rate at the time, divided by 365.
Interest = Loan outstanding x Interest rate x (Number of days in a month/ 365
days).
** 366 in case of a leap year
Can I reduce the interest rate on my existing personal loan account?
The interest rate is fixed and will remain constant till the personal loan
closure. This is as per the loan terms and conditions. Please click here to know
more
What is the charge applicable if my EMI payment bounces or if the payment is
delayed?
All EMI's would be presented on the 1st of every month. If the EMI payment is
returned or it bounces, the same will be re-presented between the 8th-15th of
the same month. Currently, we do not levy any charge for bounce/return/delay in
payment. However, please check with your banker for the charges levied by them
in your bank account.
Please be informed that the payment pattern of your loan account will be
reported to Credit Information Company, every month. To know more about Credit
Information Company, please click here
EMI PAYMENT RELATED
How do I pay my EMI every month?
You can make your EMI payment through Automated Clearing system (NACH) or
Standing Instruction (SI).
To maintain NACH from your savings account held with other bank:
Please send the below documents to our Mail room. The same will be maintained in
our records subject to validity of the documents.
- 2 completed NACH forms
- a cancelled cheque
Please visit the below link to download the NACH forms.
https://www.online.citibank.co.in/customerservice/download_forms.htm
To maintain an SI from your savings account held with Citibank, please send the
filled-in SI instruction to our Mail room. The same will be maintained in our
records subject to validity.
Mail room address:
Citibank N.A.
Mail Room
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004
Please visit the below link to download the SI forms.
https://www.online.citibank.co.in/customerservice/download_forms.htm
How do I fill the NACH form?
Please fill the NACH form with the below details, as applicable for your loan
account
CREATE/MODIFY/CANCEL : Select Option CREATE Sponsor Bank Code: To be left blank
UMRN : To be left blank Utility code : To be left blank Date : Date of filling
the NACH Instrument Authorize : Please write as Citibank N.A. Account
type: Select Option as per nature of customer's bank account CA / SA/ CC /
SB-NRE / SB-NRE / Others Bank Account Number : Customer's banking account number
Bank Name : Customer's bank Name Amount in rupees: EMI amount in words for
personal loans. IFSC: IFSC Code of the Customer's bank from the cancelled cheque
MICR: MICR Code of the Customer's bank from the cancelled cheque Frequency: To
select option as monthly Debit Type : To select option as Max EMI. Reference 1
: Loan number to be updated Reference 2 : Customer name as per repayment banking
account to be captured Phone No : Customers' Mobile No or Landline no with STD.
Email ID : Customer's email ID Period From : Start Date of EMI presentation To
: Last EMI payment date
**Important points :
* 2 copies of duly filled mandate to be sent to the bank.
* Mandate can accommodate only 3 authorised signatories. In cases of more than
3 signatories to an account, please inform your bank to process the mandate
with only 3 signatures.
* In case the loan is availed in the name of a company, then the company seal
should be affixed in the mandates.
Why was the NACH mandate rejected?
Basis an internal check, the mandate may be marked as discrepant. We will send
the details of the discrepancy to your mailing address registered in our
records. We request you to kindly send a fresh mandate with the correct
information for us to maintain the same. Please click here to download the NACH
form.
When will the NACH/SI be presented?
All payment instructions provided for EMI repayment will be presented on the
first working day of the month.
Can I change the EMI payment date?
Currently, all payment instructions provided for EMI repayment will be presented
on the first working day of the month, as per the Personal Loan Terms and
Conditions. We regret our inability to change the EMI presentation date.
When will the EMI amount be credited to the loan account?
All payment instructions provided for EMI repayment will be presented on the
first working day of the month. The same will be credited to the loan account
upon receipt of clear funds from the other bank, which takes 3-4 working days.
However, the credit will be provided to your loan account with a value date i.e.
on the day when your bank account was debited.
What happens if my EMI returns unpaid?
If the NACH presented for a loan account is returned, re-presentation will be
made between 8th - 15th of the same month. Please maintain sufficient balance in
your savings account to honor the payment.
If a SI presented for a loan account is returned, the same is re-presented daily
until the full payment is received.
Can I change the account number from which my personal loan EMI is debited?
Yes, you can change the mode of payment or repayment bank details maintained on
your loan account.
To change the repayment bank details or to register for NACH or to maintain a SI
from your Citibank savings account, please click here.
Please note that if the payment instruction is received after 20th of the month,
the EMI for the subsequent month will be processed as per the existing
instruction maintained in the loan.
How do I make alternate payment towards loan EMI?
You can make payment through Citibank Online, NEFT or Cheque/ draft/ cash at
branch.
I. Please follow the below procedure for making an online payment
- Visit http://www.citibank.com/india
- Select Personal Loan EMI Payment link under LOANS
- On Clicking 'I Accept' button in the disclaimer, you will be taken to a page
where once you select NEXT, you will be required to enter your Loan Account
Number
- On clicking Next, you will get a form page, where you can edit the Payment
Amount, Select the Bank account & select Next
- Follow the procedure mentioned in the web page step by step to complete the
transaction
Payments may be intermittently declined in the first 3 days of every month due
to month end processes and computations. In the event you are unable to make
your personal Loan EMI Payment, you can try the same again after 24 hours. If
you still experience an issue, you can contact the CitiPhone Helpline for
assistance.
II. You can make payment through Nationalized Electronic Fund Transfer (NEFT)
from another bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payment towards your loan account.
1. Payee Name (the name mentioned on the Loan account)
2. Bank Name (CITIBANK)
3. City (CHENNAI)
4. Branch Name (ANNA SALAI CHENNAI)
5. IFSC code (CITI0000003)
6. Account Number (input your complete Loan Number)
7. Account Type (select from the dropdown in 3rd party Bank web platform)
Or
III. You can also effect the payment through cash or draft/ cheque payment
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our 24*7 CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4,00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10,00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
What if I pay excess EMI?
The excess EMI paid will be refunded to you. You can contact CitiPhone and place
a request for refund of the excess payment made. The amount will be refunded
through NEFT (or) demand draft (or) credit to your Citibank Savings account.
PARTIAL PRE-PAYMENT
What is partial pre-payment / part payment?
You may prepay a part of the outstanding balance of the loan and continue with
the loan. Partial pre-payment will reduce the principal outstanding on the loan
account and helps you to complete the loan faster.
When can I make part payment?
You may prepay a part of the outstanding balance of the loan subject to the
following conditions:
* You have paid your loan EMIs for at least 12 consecutive months since your
loan booking date
* Your prepayment amount is equivalent to a minimum of 2 EMIs and a maximum of
5 EMIs
* The partial pre-payment facility is available once in 12 months
To make part pre-payment, you need to call our 24*7 CitiPhone helpline. Once you
inform the Bank of your intention to prepay, the Bank will consider your request
and confirm the final sum you are eligible to prepay. After making the
pre-payment, you will have to continue repaying the subsequent EMIs as per the
repayment schedule shared by the bank.
How do I make partial pre-payment?
You can make the payment through Citibank Online, NEFT or Cheque/ draft/ cash at
branch
I. Please follow the below procedure for online payment.
- Visit http://www.citibank.com/india
- Select Personal Loan EMI Payment link under LOANS.
- On Clicking I Accept button in the disclaimer, you will be taken to a page
where once you select NEXT, you will be required to enter your Loan Account
Number.
- On clicking Next, you will get a form page, where you can edit the Payment
Amount, Select the Bank account & select Next.
- Follow the procedure mentioned in the web page step by step to complete the
transaction.
Payments may be intermittently declined in the first 3 days of every month due
to month end processes and computations. In the event you are unable to make
your personal Loan EMI Payment, you can try the same again after 24 hours. If
you still experience an issue, you can contact the CitiPhone Helpline for
assistance
II. You can make payment through Nationalized Electronic Fund Transfer (NEFT)
from other bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payment towards your loan account.
1. Payee Name (the name mentioned on the Loan account)
2. Bank Name (CITIBANK)
3. City (CHENNAI)
4. Branch Name (ANNA SALAI CHENNAI)
5. IFSC code (CITI0000003)
6. Account Number (input your complete Loan Number)
7. Account Type (select from the dropdown in 3rd party Bank web platform)
Or
III. You can also effect the payment through cash or draft/ cheque payment:
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our 24*7 CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4, 00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10, 00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
Will the tenure or EMI change post partial pre-payment?
Partial pre-payment will not have any impact on the EMI amount as the EMI amount
remains constant till closure of the loan. After making the pre-payment, you
will have to continue repaying the subsequent EMIs as per the repayment schedule
shared by the bank. Partial pre-payment will reduce the principal outstanding on
the loan account and help you to close the loan faster.
I have made the payment - when will it reflect in my loan account?
Online transfer will take 72 working hours to reflect in your loan account. In
case of cheque payment, the same will be credited to your loan within 4-5
working days, subject to realization of funds.
PRE- CLOSURE
Can I pre-close the loan?
Yes. You can pre-close the loan by paying the outstanding amount as a lump sum.
When can I pre-close the loan?
For loans booked on or after October 1, 2015, you can pre-close your loan
account any time after the first twelve months since your loan booking. For
loans booked prior to October 1, 2015, you can close your loan account in full
any time after the first six months of your loan booking. The lock-in period is
clearly mentioned in your loan agreement.
How do I know the closure amount?
To know the outstanding amount on your loan account, you need to call our 24*7
CitiPhone helpline.
The pre-closure amount includes the below:
* Principal outstanding
* Interest charged from last EMI credit
* Preclosure charges (if applicable)
* Goods and Services Tax (GST)
Can I pay the pre-closure amount without contacting 24*7 CitiPhone helpline?
No. Once you contact our 24*7 CitiPhone helpline, a letter confirming the amount
payable to pre-close your loan account will be sent to your email id/mailing
address registered in our records. Payment received in the loan account without
obtaining the pre-closure letter will not be considered as pre-closure payment
and the loan will not be pre-closed.
What are the charges applicable for pre-closure?
Pre-closure charges will be applicable in case of pre-closure. Please refer to
the welcome letter sent to you for the details of the charges
Further, interest till date of closure of the loan account will also be charged.
How to make payment to pre close the loan?
You can make the payment through Citibank online, NEFT or Cheque/ draft/ Cash at
branch.
I. Please follow the below procedure for online payment.
- Visit http://www.citibank.com/india
- Select Personal Loan EMI Payment link under LOANS.
- On Clicking I Accept button in the disclaimer, you will be taken to a page
where once you select NEXT, you will be required to enter your Loan Account
Number.
- On clicking Next, you will get a form page, where you can edit the Payment
Amount, Select the Bank account & select Next.
- Follow the procedure mentioned in the web page step by step to complete the
transaction.
Payments may be intermittently declined in the first 3 days of every month due
to month end processes and computations. In the event you are unable to make
your personal loan EMI payment, you can try the same again after 24 hours. If
you still experience an issue, you can contact the CitiPhone Helpline for
assistance.
II. You can make payment through Nationalized Electronic Fund Transfer (NEFT)
from other bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payment towards your loan account.
1. Payee Name (the name mentioned on the Loan account)
2. Bank Name (CITIBANK)
3. City (CHENNAI)
4. Branch Name (ANNA SALAI CHENNAI)
5. IFSC code (CITI0000003)
6. Account Number (input your complete Loan Number)
7. Account Type (select from the dropdown in 3rd party Bank web platform)
Or
III. You can also effect the payment through cash or draft/ cheque payment
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our 24*7 CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4, 00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10, 00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
How will excess payment be refunded?
The amount received in excess will be refunded to you within 3 working days
through any of the below:
* NEFT credit to your ECS savings account (or)
* Direct credit to Citibank savings account (or)
* Demand draft
I have made the payment - when will it reflect in my loan account?
Online transfer will take 72 working hours to reflect in your loan account. In
case of a cheque payment, the same will be credited to your loan within 4-5
working days, subject to realization of funds.
After making payment, when will the loan be preclosed?
The loan will be preclosed automatically, post receipt of clear funds. The
letter confirming loan closure will be sent in 7 working days from the date of
loan closure.
INSURANCE RELATED
Can I avail insurance on personal loans? What are the features of the same?
Currently we do not offer any insurance on personal loans
How can I get a copy of my insurance documents?
Please contact our 24*7 CitiPhone helpline service and place a request for copy
of insurance document. The same will be sent to your mailing address in 15
working days.
How do I cancel the insurance availed on my personal loan?
To cancel the insurance, kindly forward a written instruction to the below
mentioned address. The same will be processed and refund as per grid applicable
will be sent to your mailing address as a demand draft.
Citibank N.A.
Mail room
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004
STATEMENT AND CERTIFICATE RELATED
How do I view my statement?
Citibank offers an array of 'easy to use' facilities via our online banking
platform.
You can view/download statement online by following the below steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User ID and IPIN.
Click on 'Personal Loan' tab on the top Step 2: Click on '+' button to expand /
view the Personal Loan Accounts. Step 3: Click on the Personal Loan Account link
to view the details of the Loan Account. You will be able to view four buttons
at the bottom of this page. Step 4: Click on the 'View Loan Account Statement'
link to view / download the Loan statement. Step 5: You can click 'View
Statement Details' to view for last six months OR select 'From Date' and 'To
Date' and click on 'View Statement Details' to view the statement for a
particular period.
To download the statement for last six months or for a date range, choose file
type in the drop down below the 'Download Statement detail' and Save.
How often will I receive a statement?
Statements are issued yearly on the 31st of March and mailed to your most recent
address provided to us. If you'd like a statement issued any other time, simply
contact us on our 24*7 CitiPhone helpline numbers provided here or use your
Citibank Online IPIN (available on request) to access your Personal Loan Account
and obtain your account balance.
How can I get the Interest and Principal certificates?
Citibank offers an array of 'easy to use' facilities via our online banking
platform.
You can view/download Interest and Principal certificate online in four easy
steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User ID and IPIN.
Click on 'Personal Loan' tab on the top. Step 2: Click on '+' button to expand /
view the Personal Loan Accounts. Step 3: Click on the Personal Loan Account link
to view the details of the Loan Account. You will be able to view four buttons
at the bottom of this page. Step 4: Click on 'View / Print Certificate' and
choose your Loan Account Number and enter the financial year and click 'Display
Certificate'.
When will I get the loan closure letter/NOC letter?
The closure letter will be sent within 7 working days from the date of loan
closure. If there is any change in your mailing address, please contact our 24*7
CitiPhone helpline numbers and update the same.
How do I get duplicate closure letter / NOC letter?
Please contact our 24*7 CitiPhone helpline numbers and place a request for
duplicate closure letter. The same will be sent to your mailing address updated
in your loan account.
VIEW/EDIT PERSONAL DETAILS
How do I update my address/email id/contact number?
Citibank offers an array of 'easy to use' facilities via our online banking
platform.
You can view / edit your Email/Mobile/Address online in 3 easy steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User Name and IPIN. Access quick links on the top right panel and click on 'View
/ Edit'. Step 2: Choose your Account / Relationship Number. Click on 'Generate
OAC*' and authorise with OAC received on your registered mobile number. Step 3:
Edit your contact details (Mobile Number / E-mail ID / Address). Click on
'Confirm' to authorise changes.
How do I correct my date of birth / name updated in the loan account?
You may update your correct date of birth/name in your loan account by
forwarding a government issued proof to our mail room. Alternatively, you may
also send the same to retai.dox.india@citi.com.The same will be updated basis
the proof submitted by you.
Acceptable proof:
* Pan card
* Passport
* Driving license
* Aadhar card
* Voter id
* Job Card issued by NREGA duly signed by an officer of the State Government
* Identity card with applicant's Photograph issued by Central/State Government
Departments, Statutory/ Regulatory Authorities, Public Sector Undertakings,
Scheduled Commercial Banks, and Public Financial Institutions
INTERNET BANKING RELATED
How to login to Citibank On line or How to generate User ID and IPIN?
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.
How can I view details of all the Citibank products availed by me?
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
Can I link all Citibank products availed by me through the online self-select
option?
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
TOP-UP ON EXISTING LOAN
What is top-up/enhancement?
A Top up Loan allows you to access additional funds after you have availed your
first loan with Citibank.
When can I apply for a top-up?
To apply for top-up, you should have completed 12 months EMI repayment on your
existing loan. Please be informed that sanctioning of top-up is subject to
meeting the Citibank's credit acceptance parameters.
How can I apply for a top-up?
It is easy to apply for a Citibank personal loan is just 2 steps -
- Select Personal loan under "Loans" tab.
- Click "Know more and Apply" or "click4call"
- Our officer will contact you in 2 working days
You can also apply for the same by logging in to your Citibank online account.
Step 1: Click on "other loan services" in the left hand panel
Step 2: Click "Apply for top-up" and enter the relevant details.
Our officers will contact you in 2 working days
How do I check the status of my application?
You will be provided a personal loan application number/form number, which is a
unique number. Please contact our 24*7 CitiPhone helpline and quote this number
to know the status of your application.
LOAN INFORMATION
How do I view/download the repayment schedule/ amortisation schedule?
Citibank offers an array of 'easy to use' facilities via our online banking
platform.
You can view the Repayment schedule online by following the below steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User ID and IPIN.
Click on 'Personal Loan' tab on the top. Step 2: Click on '+' button to expand /
view the Personal Loan Accounts. Step 3: Click on the Personal Loan Account link
to view the details of the Loan Account. You will be able to view a link "click
here to view your Repayment schedule" at the bottom of this page. Step 4: Click
on the link to view the Repayment Schedule for next 6 months.
Why is the principal amount mentioned in the repayment schedule different from
the amount reflecting in my online account?
Kindly note that the re-payment schedule provided at the time of sanctioning the
loan is based on the assumption that the Equated Monthly Installment (EMIs)
payments are received on the first of every month. However, the current
re-payment schedule is based on the actual payment received (your repayment
pattern) and the interest charged on the current outstanding. Hence, there is a
difference.
How do I view/download the welcome letter? Where can I get the sanction details
of loan?
The welcome letter has the sanction details of your personal loan. Citibank
offers an array of 'easy to use' facilities via our online banking platform. You
can view/download welcome letter online by following below steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User ID and IPIN.
Click on 'Personal Loan' tab on the top. Step 2: Click on '+' button to expand /
view the Personal Loan Accounts. Step 3: Click on the Personal Loan Account link
to view the details of the Loan Account. You will be able to view a link "Click
here to view / download your welcome letter" at the bottom of this page. Step 4:
Click on the link to view/download the welcome letter.
Can I change the EMI amount or tenure of the loan?
The EMI and the loan tenure remain constant and they cannot be changed post the
loan sanction.
Home Loan
INTEREST RATE
What is the existing interest rate for new Home loans?
How is interest calculated?
Interest is calculated on the unpaid daily balance of your loan and is charged
to the loan on a monthly basis.
Interest = Loan outstanding x Interest rate x (Number of days in a month/ 365
days).
** 366 in case of a leap year.
Is it possible to link my loan to MCLR?
We are happy to inform you that migration of your loan to MCLR can be done at no
additional cost. Please contact our 24*7 CitiPhone helpline.
Is it possible to reduce the existing interest rate on my home loan?
If there is a change in Citibank Mortgage Prime rate or Base rate or Marginal
Cost of Lending based lending rate, then rate of interest on the loan will vary
at specified intervals depending upon the variant chosen at the time of signing
the loan agreement. As and when a change is made to the rates, a formal
communication regarding the same is sent to your mailing address. You may
contact our 24*7 CitiPhone helpline for an adhoc revision in the interest rate.
Will tenure or EMI change post revision in the interest rate?
Please note that whenever there is a change in the rate of interest, the first
adjustment is made to the tenor of the loan. If the same does not fit our credit
acceptance parameters, a change will be made to the Equated Monthly Installments
(EMI) amount. Communication regarding the same will be sent to your mailing
address for every rate change.
If you wish to reduce the EMI amount, you may contact our 24*7 CitiPhone
helpline and our officer will share the revised EMI. Please note that the EMI
will be revised basis the pending principal, current rate of interest and the
remaining sanctioned tenure. You may send us a revised repayment instruction in
order to maintain the same in your loan account. Please click here to download
the NACH/SI mandate.
DISBURSAL RELATED
How do I request for disbursal of my home loan?
The mortgage loan amount will be disbursed as per the disbursal request received
from the customer.
The initial request can be made to our officer at the time of signing the loan
account. You may place subsequent requests for disbursal through Citibank
Online.
Step 1: Login to Citibank Online
Step 2: Click 'Home loan' tab
Step 3: Select "Request loan disbursal" in the left navigation pane and enter
the requisite details.
Our officers will process the same with an intimation to you.
How do I know the amount disbursed on my home loan?
The sanctioned amount and disbursed amount can be viewed online. Please login to
Citibank Online to view the details under "Home loan" tab.
EMI PAYMENT RELATED
How do I pay my EMI every month?
You can make your EMI payments through Automated Clearing system (NACH) or
Standing Instructions (SI).
To maintain NACH from your savings/ current account held with other bank:
Please fill in the below documents and send it to our Mail room. The same will
be maintained in our records subject to scrutinisation of the documents.
- 2 completed NACH forms
- Cancelled cheque
Mailroom address:
Citibank N.A.
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004.
You can download the NACH forms by clicking on the below link.
https://www.online.citibank.co.in/customerservice/download_forms.htm
Your duly filled and signed NACH mandate and cancelled cheque should reach us
before 20th of the particular month, for us to maintain the EMI from subsequent
month.
To maintain SI from your savings account held with Citibank:
Please send the filled in SI instruction form to our Mail room. The same will be
maintained in our records subject to scrutinisation of the document.
Mailroom address:
Citibank N.A.
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004.
You can download the SI forms from the below link:
https://www.online.citibank.co.in/customerservice/download_forms.htm
How do I fill the NACH form?
Please fill in the NACH form with the below details, as applicable for your loan
account
CREATE/MODIFY/CANCEL : Select option CREATE Sponsor Bank Code: To be left blank
UMRN : To be left blank. Utility code : To be left blank. Date : Date of filling
the NACH Instrument. Authorize : Please write it as Citibank N.A. Account
type: Select option as per nature of customer's bank account CA / SA/ CC /
SB-NRE / SB-NRE / Others Bank Account Number : Customer's banking account number
Bank Name : Customer's bank name Amount in rupees: EMI amount in words.
IFSC: IFSC Code of the customer's bank, from the cancelled cheque MICR: MICR
Code of the customer's bank, from the cancelled cheque Frequency: To select
option as monthly Debit Type : To select option as Max EMI. Reference 1 : Loan
number to be updated Reference 2 : Customer name as per repayment banking
account Phone No : Customers' mobile no. or landline no. with STD code. Email ID
: Customer's email ID Period From : Start date of EMI presentation To : Last EMI
payment date
**Important points:
* 2 copies of duly filled mandate to be sent to the bank.
* Mandate can accommodate only 3 authorised signatories. In cases of more than
3 signatories to an account, please inform your bank to process the mandate
with only 3 signatures.
* In case the loan is availed in the name of a company, then the company seal
should be affixed in the mandates.
Why was my NACH mandate rejected?
Basis internal check, the mandate will be marked discrepant for reasons such as
drawer signature differs, amount in words and figure differs, data mismatch with
the loan account etc. We will send the details of the discrepancy to your
mailing address registered in our records. We request you to kindly send a fresh
mandate, with the correct information, for us to maintain the same.
Please click here to download the NACH form. For any assistance required in
filling up the mandate, please contact our CitiPhone helpline. Our officers will
be glad to assist you.
When will the repayment instructions be presented?
Repayment instructions will be presented on the first working day of the month.
(For Citi loans - ECS/SI/ NACH) Repayment instructions will be presented on the
5th of the month. (For Citi financial loans - ECS/ SI).
When will the EMI amount be credited to the loan account?
For Citi loans, all repayment instructions will be presented on the first
working day of the month. The same will be credited to the loan account upon
receipt of clear funds from the other bank, which takes 3-4 working days.
However, the credit will be provided to your loan account with a value date i.e.
on the day your bank account is debited. In case of SI, the amount will be
credited to your loan account on the same day.
For Citifinancial loans, all repayment instructions will be presented on the 5th
of the month. The same will be credited to the loan account upon receipt of
clear funds from the other bank, which takes 3-4 working days. However, the
credit will be provided to your loan account with a value date i.e. on the day
your bank account is debited. In case of SI, the amount will be credited to your
loan account on the same day.
What happens if my EMI returns unpaid?
If the repayment instruction for a loan account is returned, re-presentation
will be made between 8th-15th of the same month. Please maintain sufficient
balance in your savings account to honor the payment.
If a SI presented for a loan account is returned, the same is re-presented daily
until the full payment is received.
What are the charges applicable if the EMI returns/bounces?
EMI return/bounce charges are levied at Rs 500/- (plus applicable Goods and
Services Tax (GST) and Krishi Kalyan Cess.) and will be charged if the EMI for
the month is not received by the 1st working day of every month.
Penal interest is levied in case of non-payment of your monthly EMI repayment.
It is charged at the rate of 2% p.a. above the prevailing Interest Rate on the
loan outstanding for the default month.
Can I change the EMI payment date?
For Citi loans - All payment instructions provided for EMI repayment will be
presented on the first working day of the month. This is as per the Loan Terms
and Conditions. Currently, we regret our inability to change the EMI
presentation date
For Citifinancial loans - All payment instructions provided for EMI repayment
will be presented on the 5th of the month. This is as per the Loan Terms and
Conditions. Currently, we regret our inability to change the EMI presentation
date.
Can I change my bank account details for EMI payment?
Yes. You can change the mode of payment or repayment bank details maintained on
your loan account.
To change the repayment bank details or to register for NACH or to maintain a SI
from your Citibank savings account, please click here.
Please note that if the payment instruction is received after 20th of the month,
the EMI for the subsequent month will be processed as per the existing
instruction maintained for the loan.
How do I make an alternate payment towards my loan EMI?
You can make payments through Citibank online, NEFT or cheque/ draft/ cash at
branch.
I. Please follow the below procedure for making an online payment.
- Visit http://www.citibank.com/india
- Select 'Home Loan EMI Payment' under the Loans section.
- On clicking 'I Accept' button in the disclaimer, you will be taken to the next
page where once you select 'Next' , you will be required to enter your Loan
Account Number.
- On clicking 'Next', you will be directed to a form, where you can edit the
payment amount, select the bank account and then click 'Next'.
- Follow the procedure mentioned on the web page step by step to complete the
transaction.
Online Home Loan EMI Payment facility is available only between 5th and 24th of
the month. In the event you are unable to make your Home Loan EMI Payment, you
can try the same again after 24 hours. If you still experience an issue, you can
contact the CitiPhone Helpline for assistance.
II. You can make payments through Nationalized Electronic Fund Transfer (NEFT)
from another bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payments towards your loan account.
1. Payee Name (the name mentioned on the loan account)
2. Bank Name (Citibank)
3. City (Chennai)
4. Branch Name (Anna Salai Chennai)
5. IFSC code (CITI0000003)
6. Account Number (input your complete Loan Number)
7. Account Type (select from the dropdown in 3rd party Bank web platform)
Or
III. You can also pay through cash or draft/ cheque payment:
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by Cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4,00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10,00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
What if I pay excess EMI?
The excess EMI paid will be refunded to you. You can contact CitiPhone and place
a request for refund of the excess payment made. The amount will be refunded
through NEFT (or) demand draft (or) as credit to your Citibank savings account.
Alternatively, you may also request to adjust the same towards the principal
outstanding on your loan account.
Can I change the EMI amount post making a partial prepayment?
Yes, you can reschedule the EMI amount. We request you to kindly contact our
Citiphone helpline number and our officer will guide you with the revised EMI
amount. Please note that the EMI will be revised basis the pending principal,
current rate of interest and the remaining tenure. You may send us a revised
repayment instruction in order to maintain the same in your loan account. Please
click here to download the NACH/SI mandate.
PARTIAL PRE-PAYMENT
What is partial pre-payment / part payment?
You may prepay a part of the loan which will reduce the principal outstanding
and helps you complete the loan faster.
Are there charges applicable for part prepayment?
Home loan
- You can make a part- payment for any amount which is higher than the Equated
Monthly Installment (EMI) amount.
- There is no penalty for making a part payment and no limit to the number of
part payments you can make.
Property Power Term loans booked prior to June 2011:
- You can make a part- payment for any amount which is higher than the Equated
Monthly Installment (EMI) amount.
- Preclosure penalty will be applicable at the time of closure on the part
payments made within 12 months of loan closure.
Property Power Term loan booked after June 2011:
- NIL charges for part payments less than 25% of the sanctioned amount in a
financial year (i.e. April 1st to March 31st). In the event loan is closed
within 12 months of the part payment date, the part payment will also be subject
to pre-payment charges.
- For part payments more than 25% of the sanctioned amount in a financial year,
charges will be levied at the rate of 4% for the first 3 years and 2% thereafter
in line with the terms and condition of the loan agreement.
How do I make partial pre-payment?
You can make the payment through Citibank Online, NEFT or Cheque/ draft/ cash at
branch.
I. Please follow the below procedure for online payment.
- Visit http://www.citibank.com/india and login to your account. You can make a
part payment of minimum 1 EMI and maximum of leaving up to 12 EMIs towards your
linked loan account. We accept 1 part payment per week via Citibank online.
II. You can make payment through Nationalized Electronic Fund Transfer (NEFT)
from other bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payment towards your loan account.
1. Payee Name (the name mentioned on the loan account)
2. Bank Name (Citibank)
3. City (Chennai)
4. Branch Name (Anna Salai Chennai)
5. IFSC code (CITI0000003)
6. Account Number (input your complete loan number)
7. Account Type (select from the dropdown in 3rd party bank web platform)
Or
III. You can also effect the payment through cash or draft/ cheque payment:
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by Cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4, 00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10, 00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
Will the tenure or EMI change post partial pre-payment?
Partial pre-payment will reduce the principal outstanding on the loan account
and helps you complete the loan faster. If you wish to reduce the EMI amount,
you may contact our Citiphone helpline and our officer will share the revised
EMI. Please note that the EMI will be revised basis the pending principal,
current rate of interest and the remaining sanctioned tenure. You may send us a
revised repayment instruction in order to maintain the same in your loan
account. Please click here to download the NACH/SI mandate.
I have made the payment when will it reflect in my loan account.
Online transfer will take 72 working hours to reflect in your loan account. In
case of cheque payment, the same will be credited to your loan within 4-5
working days, subject to realization of funds.
PRE - CLOSURE
Can I pre-close the loan?
Yes. You can pre-close the loan by paying the outstanding amount in as a lump
sum.
How do I know the closure amount?
To know the outstanding amount on your loan account, you need to call our
CitiPhone helpline.
The pre-closure amount includes the below:
* Principal outstanding
* Interest charged from last EMI credit
* Preclosure charges (if applicable)
* Goods and Services Tax (GST)
* EMI return charges and Penal interest, if any
What are the charges applicable for pre-closure?
Description Home Loans Cash out Loans (Property Power / Home Loan Takeover
Enhancement / Home Loan Top-ups) Part Prepayment charge* Loan Type Part
Prepayment charge
1. For variable rate of interest loans where the end use of the loan/facility is
for personal purposes, part prepayment charges will not be applicable.
2. Part-prepayment charges will be applicable for all other variable rate of
interest loans as below:
* For Property Power/ Property Power Enhancement Loans, Nil for part
prepayments less than 25% of the sanctioned Loan amount in a financial year
(i.e. April 1st to March 31st). In the event the loan is closed within 12
months of the part prepayment date, the part prepayment will also be subject
to foreclosure charges. For part prepayments more than 25% of the sanctioned
amount in a financial year, charges will be levied at the rate of 4% for the
first 3 years and at 2% thereafter.
* In all cases where the borrower has availed of a variable rate Home Loan
Takeover with Enhancement/ Home Loan Top up facility, NIL part prepayment
charges will be applicable on the entire loan amount. In the event the loan
is closed within 12 months of the part prepayment date, the part prepayment
will be subject to foreclosure charges.
3. In all cases where the borrower has availed of a semi fixed rate Home Loan
Takeover with Enhancement/ Home Loan Top-up facility, NIL for part prepayments
less than 25% of the sanctioned Loan amount in a financial year (i.e. April 1st
to March 31st). For part prepayments more than 25% of the sanctioned amount in a
financial year, charges will be levied at the rate of 4% for the first 3 years
and at 2% thereafter. After the end of the initial semi fixed rate period, terms
as specified for variable rate loans will apply as per 2(b) above. In the event
the loan is closed within 12 months of the part prepayment date, the part
prepayment will also be subject to foreclosure charges.
Fixed Rate Home Loan; NA Variable rate Home Loans OR Semi Fixed Rate Home
Loans*during the period when the rate of interest is variable NIL Semi fixed
rate Home Loans during the period when the rate of interest on the loan is
fixed.
* Nil for part prepayments less than 25% of the sanctioned Loan amount in a
financial year (i.e. April 1st to March 31st).
* In the event the loan is closed within 12 months of the part prepayment date,
the part prepayment will also be subject to foreclosure charges.
* During the Semi Fixed period, for part prepayments more than 25% of the
sanctioned amount in a financial year, charges will be levied at the rate of
2%.
Foreclosure charges* Loan Type Part Prepayment charge
1. For variable rate of interest loans where the end use of the loan/facility is
for personal purposes loan foreclosure charges will not be applicable.
2. Loan foreclosure charges for all other variable rate of interest loans will
be applicable as below:
a. For Property Power/ Property Power Enhancement Loans, Foreclosure charges are
levied at the time of pre-closure of the loan at the rate of 4% for the first 3
years and 2% thereafter.
Foreclosure charges are payable on
* Loan outstanding at the time of loan closure.
* All partial pre-payments made during the last 12 months prior to loan closure
as reduced by such amount prepaid in respect of which Prepayment Charge has
already been levied and paid by the borrower
* Undisbursed portion of the loan.
b. In all cases where the borrower has availed of a variable rate Home Loan
Takeover with Enhancement/ Home Loan Top-up facility, foreclosure charges will
be applicable on the enhancement portion as explained in 2(a) above and nil
foreclosure charges will be applicable on the Home Loan portion of the Loan.
3. In all cases where the borrower has availed of a semi fixed rate Home Loan
Takeover with Enhancement/ Home Loan Top-up facility, foreclosure charges will
be applicable in line with 2(a) above on the entire loan amount during the semi
fixed period and in line with 2(b) above after the end of the initial semi fixed
rate period.
Variable rate Home Loans OR Semi Fixed Rate Home Loans during the period when
the rate of interest is variable NIL Fixed rate Home Loans OR Semi fixed rate
Home Loans+ during the period when the rate of interest is fixed.
Foreclosure charges are applicable at the rate of 2% on –
* Loan outstanding at the time of loan closure.
* All partial pre-payments made during the last 12 months prior to loan closure
as reduced by such amount prepaid in respect of which Prepayment Charge has
already been levied and paid by the borrower
* Undisbursed portion of the loan
How do I make closure payment to pre close the loan?
You can make the payment through NEFT or cheque/ draft/ cash at branch.
I. You can make payment through Nationalized Electronic Fund Transfer (NEFT)
from other bank account.
We request you to fill the below mentioned details in your bank's website to
register and to effect online NEFT payment towards your loan account.
1. Payee Name (the name mentioned on the Loan account)
2. Bank Name (Citibank)
3. City (Chennai)
4. Branch Name (Anna Salai Chennai)
5. IFSC code (CITI0000003)
6. Account Number (input your complete loan number)
7. Account Type (select from the dropdown in 3rd party bank web platform)
Or
II. You can pay through cash or draft/ cheque payment
A. You can submit a cheque or draft payable at any Citibank branch favouring
"Citibank loan number _______".
B. Payment by Cash
Please walk-in to the nearest Citibank branch to make the payment towards your
loan by cash. For details on branch addresses, visit
http://www.citibank.com/india or call our CitiPhone helpline.
Note:
For cash payments equal to or exceeding INR 50,000, please provide a copy of
your PAN card.
For cash payments equal to or exceeding INR 4, 00,000, please carry details /
information regarding the source of funds along with a copy of your PAN card.
For cash payments equal to or exceeding INR 10, 00,000, please carry documentary
proof of the source of funds along with a copy of your PAN card.
How will excess payment be refunded?
Any amount received in excess will be refunded to you within 3 working days
through any of the below:
* NEFT credit to your ECS savings account (or)
* Direct credit to Citibank savings account (or)
* Demand draft
I have made the payment, when will it reflect in my loan account?
Online transfer will take 3 working days to reflect in your loan account. In
case of a cheque payment, the same will be credited to your loan within 4-5
working days, subject to realization of funds.
When will the NOC/closure confirmation letter be sent and when will I get
property documents?
The loan will be pre closed automatically, post receipt of clear funds. The
letter confirming loan closure will be sent in 15 working days from the date of
loan closure. If there is no other facility availed on the property financed,
then you can collect the original title documents along with the loan clearance
certificate on or after 15 days from the date of receipt of your payment. Our
officer will contact you and fix an appointment to collect the documents.
We request you to visit our branch with a proof bearing your personal identity
and that of all co-borrowers on the loan account for collecting the property
papers.
HOME CREDIT:
How does home credit work?
Home Credit account is a current account linked to your loan. All amounts
deposited in the Home Credit account in excess of the threshold amount and
subject to a maximum of your outstanding loan is transferred on a daily basis to
your loan account to offset the interest being charged on your loan. This amount
is always available for withdrawal by you as an overdraft line.
https://www.online.citibank.co.in/soc/soc-pdfs/mortgages.pdf
Home Credit advantages:
* Use the Home Credit account to deposit your excess savings, annual bonus
rather than keeping them idle or making partial prepayments. You will have
the flexibility to withdraw the idle/surplus money deposited in Home Credit
account at any point of time.
* Just deposit these funds into your Home Credit account and enjoy interest
saves on your home loan to the extent deposited.
* Since interest is calculated on daily outstanding balance, every rupee kept
in the Home Credit account each day, goes towards reducing your interest.
* The Home Credit account can be used like a normal current account and you
will be provided with a cheque book and an ATM Card. You will also have
access to our online banking portal and our entire gamut of banking
facilities such as:
* Transact.
* Transfer funds across your Citibank and non Citibank Account.
* Order for Demand Drafts.
* Pay utility bills.
* Pay your Citi Credit Card bills.
How do I know the interest charged and interest saved on my home credit?
Home Credit is a unique facility, which combines the advantages of a home loan
with the flexibility of a current account. Under this scheme, a current account
is opened simultaneously with a home loan account and both these accounts will
be linked. The balance maintained in the current account will automatically be
swept to the home loan account at the end of every day leaving a minimum
threshold (as set by the bank) in the current account. The amount so swept will
be available in the current account in the form of line amount. The line amount
will act as the interest saver in the home loan account as the swept amount
reduces the loan outstanding. Interest will be charged in your loan account
after considering the amount thus swept to your loan account. In case of
withdrawals/ deposits in the Current account, there will be a change in the line
amount and accordingly the loan account balance will increase/ decrease and
interest will be charged.
In a Home credit vanilla account, interest savings from the EMI component, is
returned to the line amount on monthly basis.
In a Home credit fast track account, interest savings from the EMI component is
adjusted against the loan outstanding on a permanent basis, thereby reducing
your loan tenure.
Every month, an alert will be sent to your registered mobile number on the
interest saved in your Home credit account.
Where will the line amount reflect?
The line amount will be included in the withdrawal balance of your current
account.
Why is the Principal outstanding on my loan is NIL?
The balance maintained in the current account will automatically be swept to the
home loan account at the end of every day leaving a minimum threshold (as
decided by the bank) in the current account. The amount so swept will be
available in the current account in the form of line amount. If the available
line amount is more than the ideal principal outstanding on your home credit
loan, the same will reflect as NIL.
To know the ideal principal outstanding on your loan account, we request you to
kindly contact our 24*7 CitiPhone helpline at the number available.
How much should I pay towards pre closure of my home credit loan?
At the time of pre closure, you need to make payment towards the outstanding on
your home credit loan along with pre closure charges (if any). The line amount
in the current account will also be utilized at the time of pre closure. Please
contact our 24*7 CitiPhone helpline to know the exact amount for pre closure.
How will I know the exact principal outstanding on my home credit?
The principal outstanding on your home credit will be sum of the outstanding on
your loan and the line amount available on your current account.
TOP UP
What is top-up / Enhancement?
A Top up Loan allows you to get additional funds on your existing loan with
Citibank.
When can I apply for top-up?
To apply for top-up, you should have completed 12 months EMI repayment on your
existing loan. Please note, sanctioning of top-up is subject to meeting Citi's
credit acceptance parameters.
How can I apply for top-up?
It is easy to apply for Citibank Home loan top up in just 2 steps
- Select Home loan under "Loans" tab.
- Click "Top up on existing loan"
- Our officer will contact you in 2 working days
You can also apply for the same by logging in to your Citibank Online account.
Step 1: Click on "other loan services" on the left hand panel
Step 2: Click "Apply for top-up" and enter the relevant details.
Our officers will contact you in 2 working days
How do I check the status of my application?
You will be provided with a unique Home loan application number. You may contact
our 24*7 CitiPhone helpline to know the status of your application.
INSURANCE RELATED
How can I get a copy of the insurance documents?
Please contact our 24*7 CitiPhone helpline service helpline service and place a
request for a copy of insurance document. The same will be sent to your mailing
address in 15 working days.
How do I cancel the insurance availed on my Home loan?
To cancel the insurance, kindly send a written instruction to the below
mentioned address. The same will be processed and refunded as per the grid
applicable, and will be sent to your mailing address as a demand draft.
Citibank N.A.
Mail Room
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004.
VIEW/EDIT PERSONAL DETAILS
How do I update address/email id/contact number?
You can view / edit your email/mobile/address online in 3 easy steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User Name and IPIN. Access quick links on the top right panel and click on 'View
/ Edit'. Step 2: Choose your Account / Relationship Number. Click on 'Generate
OAC*' and authorize with OAC received on your registered mobile number. Step 3:
Edit your contact details (Mobile Number / E-mail ID / Address). Click on
'Confirm' to authorize changes.
Alternatively, you may visit our branch with a valid address proof to update the
address. To know the list of valid documents, please click here.
How do I correct my date of birth / name updated in the loan account?
You may update your correct date of birth/name in your loan account by
forwarding a government issued proof to our mail room address. Alternatively,
you may also send the same to retail.dox.india@citi.com. The same will be
updated basis the proof submitted by you.
Acceptable proof:
Pan card
Passport
Driving license
Mail room address:
Citibank N.A
Mail Room
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004
How do I update PAN number in my home loan account?
You may send a copy of your PAN card along with your instruction to update your
PAN number to our mail room address. Alternately, you may also visit our branch
to get your Pan number updated in our records.
Mail room address:
Citibank N.A
Mail room
ACROPOLIS,
9th Floor,
New Door No.148, (Old No.68)
Dr. Radhakrishnan Salai
Mylapore
Chennai - 600 004
SERVICES AVAILABLE ONLINE
What will I do if an error occurs while using my online account?
We request you to clear the cache and try accessing the the online account
again. In case the issue persists, please forward the screenshot of the error to
retail.dox.india@citi.com. We will check and revert to you accordingly.
Alternatively, you may also contact our 24*7 CitiPhone helpline service number
for further assistance.
Where do I find NACH/SI forms?
Please click here to download the NACH/SI form
INTERNET BANKING RELATED
How to login to Citibank On line or How to generate User ID and IPIN?
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 http://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.
How can I view details of all the Citibank products availed by me?
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
Can I link all Citibank products availed by me through the online self-select
option?
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.
REQUEST STATEMENT
How to view/download statement for my mortgage loan?
You can view the Statement of your Loan Account online and download the same. We
request you to follow the procedure mentioned below to view and download
statements online:
a. Login to www.citibank.co.in using your User Id and Internet Password (IPIN)
b. On logging in to your account, click on "view account summary".
c. Select the account number of your choice.
d. The transaction details will be displayed at the bottom of the page.
e. To view other transactions click on "view transaction" and follow the
procedure displayed.
f. To download, click on "download account details".
g. The details will get downloaded on to an excel sheet.
How to view/download interest and principal certificate for my mortgage loan?
You can view and download the Interest and Principal certificates of your loan
account online. We request you to log on to your account using your User ID and
IPIN and follow the below-mentioned procedure to view the certificates.
a. Please click on the link "View loan Certificates" in the left navigator.
b. Then click on the link "Recent Financial Year link" and "Current Financial
year link".
c. Then you can click on the link "Interest or Principal Certificate" to view
the details.
d. To download click on "download account details".
How often will I receive the statement / certificates?
Statements / Certifcates are issued annually. If you'd like a statement to be
issued any other time, you may contact us on our CitiPhone helpline numbers
provided here or use your Citibank Online IPIN to access your Home Loan Account.
LOAN INFORMATION
How do I view/download Repayment schedule/ Amortization schedule:
You can view Repayment schedule online by following below steps:-
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User ID and IPIN. Click on Home Loan' tab on the top. Step 2: Click on '+'
button to expand / view the Home Loan Accounts. Step 3: Click on the Home Loan
Account link to view the details of the Loan Account. You will be able to view a
link "click here to view your Repayment schedule" at the bottom of this page.
Step 4: Click on the link to view the Repayment Schedule for next 6 months.
How do I get a list / copy of property documents submitted for my loan?
You can place a request to get a list or copy of property documents submitted
for your loan account. Please follow the below steps.
Step 1: Login to Citibank Online (http://www.citibank.com/india) by using your
User Name and IPIN. Step 2: Please click on the link "View loan Certificates" on
the left navigator. Step 3: Place the request under "property documents custody
certificate".
The same will be sent to your address maintained with us in 7 working days.
How do I get a copy of the loan agreement?
Please contact our 24*7 CitiPhone helpline to place a request for a copy of your
loan agreement. The same will be sent to your address maintained with us in 7
working days.
How do I get my sanction letter / welcome letter?
We request you to kindly contact our 24*7 CitiPhone helpline to place a request
for a welcome letter/sanction letter. The same will be sent to your mailing
address registered in the loan account.
How do I register / deregister to receive CitiAlert for my loan on my mobile
number and email id?
Please contact our 24*7 CitiPhone helpline to register your loan for CitiAlert.
Our officer will be glad to assist you.
How do I place a request for Credit Information report on my existing loan?
Please contact our 24*7 CitiPhone helpline to place a request for Credit
Information report on the existing loan account. Our officer will be glad to
assist you.
Ready Credit
READY CREDIT - OVERDRAFT FACILITY
What is Citibank Ready Credit?
Citibank Ready Credit is a personal over draft line linked to your Suvidha
Salary Account. This facility is offered to employees of select corporate
customers. It is a simple, easy-to-use Overdraft facility which provides account
holders an Overdraft Line of up to five times of their net monthly take home
salary (up to a maximum of Rs5 Lakh).
How can the Ready Credit facility be availed?
Account holders can apply for this facility along with the Suvidha application
form, i.e. at the time of Suvidha Account Opening. Account holders may also
apply separately/ later through a simple online form, or call up CitiPhone and
ask for this facility.
What are the benefits of Ready Credit?
* Instant access to the assigned overdraft line ( upto Rs5 Lakh*) in your
account which can be accessed through an ATM / Citi debit card / CitiPhone /
Cheques and even online through CBOL
* No Documentation/ No Post Dated Cheques and No Prepayment Penalty
* Online transactions like funds transfers, bill payments etc. possible.
* Repay the utilized amount per your comfort, subject to a minimum monthly
repayment of 5% of the line utilized
* This facility remains with the account holder as long as he keeps repaying
his minimum dues and meets the bank's internal criteria. There is no need to
reapply for this product as is the case with other credit instruments
* Attractive interest rate
* Customers can make purchases directly using the Ready Credit Overdraft
facility by selecting option 2 on the EDC machine during transactions (only
at stores displaying the Maestro logo)
How can the Ready Credit Account be used?
1. The debit/ATM Card allows you to withdraw funds directly from your Ready
Credit account leaving the balance in your Savings account for other
financial commitments that you may have. Just select 'Ready Credit / Current
Account' while withdrawing funds from the ATM.
2. The debit card can be used to shop at all the merchant establishments using
the "current account" option on the EDC machine (only at stores displaying
the Maestro logo).
3. Funds transfer can be done through CitiPhone or CBOL (Citibank Online)
What are the Charges and Fees for Ready Credit?
There is an activation fee of Rs.500, which is a onetime fee payable when you
use this facility for the first time. An annual renewal fee is charged at 2% of
the Line Amount or Rs.750, whichever is lower. This fee is charged on the
completion of one year from the date of first usage of the Ready Credit
facility.
How is the Ready Credit facility activated?
Once the Suvidha account is opened and has one salary credit, the Ready Credit
line automatically gets set to up to 5 times of the net monthly salary credited
in the account. To activate the account, simply use your Ready Credit account
through any of the steps highlighted in FAQ # 4.
How is interest calculated?
The interest is charged only on the amount used and the period used. For Example
if you only use Rs10,000 for 15 days then you need to pay interest only for 15
days and not for the month. Citibank offers very attractive interest rates for
its Ready Credit. The interest is calculated on a daily reducing balance and
there is no pre-closure penalty charged. The interest for the amount used will
have to be paid on the 1st of every month. In case there is no usage of the
facility, there will be no interest payable.
What is the maximum amount that I can withdraw/ use from this account?
You can utilize the complete amount assigned to you as your personal line of
credit. However, cash withdrawal is restricted to the daily ATM withdrawal limit
assigned to you. You can check the credit line assigned to you by logging on to
Citibank Online (CBOL). Details of your Ready Credit Line will appear under the
option - Line Amount.
How is the amount used repaid? Can more amount be paid than Minimum Due?
Every month there is a mandatory repayment of 5% of the outstanding balance as
on the day of Salary Credit, which is taken from the Suvidha Account. For
example if the outstanding is Rs50,000, you have to pay Rs2,500. This amount
will be earmarked from the Suvidha account for payment towards the Ready Credit
account. Once the minimum due is paid off, this amount added back to your
withdrawal limit on the Ready Credit line.
The interest for the amount used will have to be paid on the 1st of every month.
In case there is no usage of the facility, there will be no interest payable.
The minimum due towards the principal amount used is deducted on the date of
salary credit.
Any amount in excess of the minimum due can be transferred to the Ready Credit
Account as repayment.
Is this an evergreen line or can this facility be withdrawn?
The Ready Credit line remains with you till the time you have a Corporate
Suvidha Salary account with Citibank. As you keep repaying the amount used
earlier, the same funds become available to you on your Ready Credit account for
future use. However, since Ready Credit Account is linked to a Salary Account,
the facility will cease to exist if the salary stops coming to the Suvidha
Account. This could be because of a change in job. In such cases the account
holder is supposed to clear the Ready Credit outstanding.
In case there is no salary credit for 45 days, this facility will be withdrawn
and the account holder is required to repay the outstanding over 20 equated
installment of the Principal Amount. The interest on the outstanding needs to be
paid every month. This would help you close the ready Credit Account in 20
months. You can give an SI or ECS for paying the monthly dues.
In case the new employer of the customer has a Suvidha relationship with Citi,
the customer can continue to use his old Suvidha account as well as the Ready
Credit facility. All the customer needs to do is update his latest Office
Address and Residence Address (if changed) along with the details of the new
Corporate being joined. This can be done by contacting CitiPhone or the service
RM for that corporate.
Can account holders use the complete balance from their Suvidha account?
There is a monthly minimum due earmarked against the balance available in the
Suvidha account. This means that customers can withdraw the complete amount
except for the monthly minimum due of 5%. Once the minimum due is paid, the
funds would be again available as withdrawal amount on his Ready Credit account.
Investments
Click on to expand and on to minimize the details.
FAQ's
How can I be sure about the quality of funds recommended by Citi?
Citi analyses all the funds introduced by the various fund houses and brings you
only the best and what we strongly believe will do well. We, however also share
with you all details about the fund, for you to help decide yourself as well.
How can I get a physical interest certificate or a duplicate TDS certificate for
my deposit account?
* Visit www.citibank.co.in
* Login using your Citibank Online User ID and IPIN
* Send a request for the required document through the mailbox
Alternatively, you can also:
* Place a request for the same through 24-Hr. CitiPhone Priority Service
Numbers and use the Interactive Voice Response or talk to a CitiPhone Officer
No documents are required for submitting this request.
Deposit
Will you help me decide which the best fund is for me?
Yes, we risk profile our customers before they begin investing/periodically to
understand your risk appetite for investments. Only on the basis of your
profile, do we recommend investment options.
Can I book a deposit through Citibank Online?
Yes, of course. Click here and follow the instructions on this page for making
the deposit. You will need your Citibank Online login Id and IPIN. In case you
do not have an IPIN, Click here to generate one.
Can I close my deposit through Citibank Online?
Yes, you can close your deposit through Citibank Online.
You can also send written closure instructions to us through either of the
following means:
* Drop off the request at the nearest Citibank branch
* Mail it to: Citibank Head Office - P.O. Box 4830, Anna Salai, Chennai - 600
002
* Sent it by registered post or courier to: Citibank Head Office - Citibank
N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr.
Radhakrishnan Salai, Mylapore, Chennai - 600004
No documents are required for submitting this request.
Where can I find the prevailing deposit rates?
The prevailing deposit rates are available here.
How can I get a physical interest certificate or a duplicate TDS certificate for
my deposit account?
* Visit www.citibank.co.in
* Login using your Citibank Online User ID and IPIN
* Send a request for the required document through the mailbox
Alternatively, you can also:
* Place a request for the same through 24-Hr. CitiPhone Priority Service
Numbers and use the Interactive Voice Response or talk to a CitiPhone Officer
No documents are required for submitting this request.
I have provided Form 15H and yet tax is deducted on my account. Why?
This may have happened if the yearly income earned as interest from your
deposits is greater than Rs50,000. In this case, as per regulation, Form 15H
becomes null and void. Usual rates are applicable for tax deduction.
Mutual Funds
Can I invest in Mutual Funds through Citibank Online?
Yes, you can invest in your existing Mutual Funds through Citibank Online.
However, if you wish to invest in a new Mutual Fund, you need to complete
certain formalities as laid down by the Mutual Fund houses. You can contact the
Relationship Managers at your nearest Citibank Branch for assistance.
I would like to see the NAV of the various Mutual Funds. How can I see it?
Login to your account and in the investments section, view the NAV of Mutual
Funds at previous day's closing
Can I maintain a Standing Instruction to invest in Mutual Funds every month?
Yes, you can do this by using Citibank's Systematic Investment Plan. This plan
allows you to invest a fixed amount every month.
Alternatively, you can also:
* Contact the Relationship Managers at your nearest Citibank Branch for
assistance
Can I redeem my Mutual Fund units through Citibank Online?
Yes, you can do so on the same day before the cut-off time.
Why am I unable to subscribe to a new Mutual Fund on Citibank Online?
This could have happened if profiling was not done for you. Please contact the
Relationship Managers at your nearest Citibank Branch for assistance.
What is profiling?
Profiling is a process of understanding the needs of our valued customers, so
that can offer them the most suitable investment plans as per their needs and
financial goals. It identifies and analyses your attitudes towards risk and
investing. Please contact the Relationship Managers at your nearest Citibank
Branch for assistance.
Online & Mobile Services
Click on to expand and on to minimize the details.
ONLINE SERVICES - FAQ'S
FAQ's
How does Citibank Bill Pay work?
Citibank Bill Pay offers convenience to pay your bills through Citibank Online
and Citi Mobile. Register with us and opt for due date alerts on SMS. We will
remind you of the due date for your bill payments.
What do you mean by Online Security? Is my bank account at risk?
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.
ONLINE AND MOBILE SERVICES - FAQ'S
FAQ's
INTERNET BANKING BASICS
What is Internet Banking?
Internet Banking brings banking to your fingertips. You can access your bank
account and perform all banking operations online, at your own convenience, from
anywhere in the world. All you need for this is an Internet Banking User ID and
IPIN from Citibank.
What do you mean by User ID and IPIN?
User ID is a unique sequence of characters used to identify you as a Citibank
customer for the purpose of logging into the Citibank internet banking facility.
It can be minimum of 6 characters and a maximum of 50 characters ,it can be
letters or alphanumeric. An IPIN is your internet banking password. It is unique
and the generated password known only to the customer. Citibank Online can be
accessed by authenticating your User ID and IPIN. You can select / change your
User ID and IPIN anytime you wish online.
What if I forget my IPIN?
It happens, you may forget your IPIN or may want to change it. It’s simple, you
can select / change your IPIN online, anytime you wish. Click here if you wish
to do it right away.
ONLINE SECURITY
How can I be sure that I am dealing with Citibank and not an impostor?
Sending a fraudulent E-mail is a type of malpractice that aims that siphoning
your sensitive personal information from you, also known as phishing. This
E-mail is forged to look like a legitimate E-mail from a trusted source, making
it very hard to distinguish from a genuine communication. You must become extra
careful while handling any E-mail, no matter how genuine-looking, (e.g., from an
E-mail address like support@Citibank.com or customercare@Citibank.com) that asks
you to:
* Provide personal information on the spot, such as, by replying to the E-mail.
Citibank will never ask you to send your Credit Card number, Internet banking
User ID and Password, and other sensitive information in an E-mail.
* Click on links that will take you to unsecured page(s) where you will be
required to fill out your personal information.
* Enter your User ID and Password in a Login page that opens in a pop-up
window. Citibank login pages are always on a webpage and never in a pop-up
window.
* Provide your User ID as well as Password in order to provide any service.
Citibank will never ask you to disclose your password directly.
Have Citibank customers received such E-mails?
Citibank customers have received fraudulent E-mails claiming to be from Citibank
from time to time. This does not mean that any of Citibank's security systems
were breached. However, we are committed towards checking such malpractices. We
encourage our customers to report any such incident so that we can bring it in
the notice of appropriate law enforcement agencies to investigate them. If you
receive any suspicious E-mail, delete it immediately and notify your local
Citibank customer service officer.
How do I safely access Citibank Internet Banking?
To ensure that you are going to an authentic Citibank site, type in the entire
Citibank website address - www.citibank.co.in - into your Internet browser
instead of clicking on any link directly.
How do I report a fraudulent E-mail?
You can visit Citibank Online or call our 24-Hr. CitiPhone Service Numbers to
send a complaint. You can contact any local Citibank Customer Care official and
report the same.
STATEMENT ON E-MAIL
What is 'Statement on E-mail'?
Statement on E-mail is a soft copy of your Credit Card or Account Statement that
is delivered to your E-mail address. The standard format for sending the account
statement is the PDF format.
What is PDF format?
PDF is an acronym for Portable Document Format (PDF). It is a universal file
format created by Adobe to provide a standard form for storing and editing
printed publishable documents. To view PDF files, you need to download the Adobe
Acrobat Reader application, which is available for free from Adobe's website. It
is recommended that you use Adobe Acrobat Reader version 5.0 or above, as older
versions of Adobe Acrobat Reader do not support this feature.
Can I use any version of Adobe Acrobat Reader to view my Statement on E-mail in
PDF format?
It is recommended that you use Adobe Acrobat Reader version 5.0 or above, as
older versions of Adobe Acrobat Reader do not support this feature.
Can I download and take printouts of my Statement on E-mail in PDF format?
Yes, you can. To download your statement, just click on the 'Download' link in
your E-mail and save it on your computer.
To take a print:
* Download the document and save it at a desired place on your computer.
* Open the saved document. You will be prompted to enter your unique password,
which should be a combination of the first four letters of your name (as
mentioned on your Credit Card or Account Statement), followed by your Date of
Birth in DD/MMM format.
* For example, if the name on your Card or account statement is Rahul Gupta and
the date of birth is 01-02-1969, then your password will be 'RAHU01FEB'. This
password is not case sensitive.
* Enter the password and click OK. The document will now open.
* Give the print command. Your document will be printed.
What is the unique password for my Statement on E-mail in PDF format?
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 your Date
of Birth in DD/MMM format. For example, if the name on your Card or account
statement is Rahul Gupta and the date of birth is 01-02-1969, 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.
How does the unique password for my Statement on E-mail in PDF format work?
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.
How is my Statement on E-mail in PDF format secure?
Your Statement on E-mail 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.
What does it mean when I get an error message which says, 'There is an error in
opening this document? This viewer cannot decrypt this document'?
This error message means that the Adobe Acrobat version that you are using is
not Adobe Acrobat Reader 5.0 or above. Please download the latest version of
Adobe Acrobat Reader from here.
Is there any format other than PDF in which I can receive my Credit Card or
Account Statement on E-mail?
No. PDF is the only format through which you can receive your Credit Card or
Account Statement on E-mail.
How can I change the E-mail address in which I wish to receive my Statement on
E-mail?
You can change the E-mail address at which, you wish to receive your Statement
on E-mail by visiting Citibank Online. Login to your account using your IPIN and
select 'Update Contact Details' to change your E-mail address.
Whom do I contact in case of any problems or clarifications regarding my
Statement on E-mail?
For any clarifications or assistance, please log on to www.citibank.co.in with
your IPIN Recommanded or call our 24-Hr. CitiPhone Priority Service Numbers.
Can I archive my Statement on E-mail in PDF format for future reference?
Yes. You can download and save the PDFs on your computer for future reference.
You can also download and view them from Citibank Online anytime, anywhere. You
can also issue duplicate statements from Citibank Online.
What if I get an error message, which says, 'The password provided by you is
incorrect? Please re-enter the password'?
Please ensure you enter the password in the correct format - i.e., first 4
letters of your name, as it appears on your card, followed by your date of birth
in DDMMM format.
For example, if the name on your Card or account statement is Rahul Gupta and
the date of birth is 01-02-1969, then your password will be 'RAHU01FEB'.
This password is not case sensitive.Please do not include any special
characters. If you are still unable to open, please call our 24-Hr. CitiPhone
Service Numbers, our CitiPhone officers will be happy to help.
CitiMobile
CITI MOBILE FACTS
What is Citi Mobile? How is it different from the existing mobile services
offered by Citibank?
Citi Mobile is a mobile banking solution that allows you to access your account
using a mobile device, to view account related information, transfer funds, pay
bills and much more.
Citi Mobile can be accessed on the mobile browser or downloaded as an
application onto your mobile. You can then login using your User ID and existing
IPIN. Hence, this is different from the existing SMS based mobile services like
CitiAlert and CitiAlert on Demand.
How do I access Citi Mobile?
Citi Mobile can now be accessed in two ways: Visit us on your mobile browser, at
m.citibank.co.in. If you have a Smart Phone, you can download the App by sending
an SMS MBANK to 52484. iPhone and Android phone users can download the Citi
Mobile App from App Store and Android Market respectively.
Does my mobile phone support Citi Mobile?
You can view the list of Citi Mobile compatible handsets by clicking here.
In case you do not know your handset model, please check the phone manual
provided with the same. The handset model/number may be printed beneath the
battery inside the handset. Some corporate BlackBerry phones may not allow
installation of 3rd party applications.
BILL PAY
What is Citibank Bill Pay?
Citibank Bill Pay is a service that offers great advantage to its customers. It
eliminates the queues from your life and also the perpetual hunt for the drop
boxes to pay your bills. You can now pay all your bills from your Citibank
account and can even set up standing instructions for automatic bill clearance
from your account. You can also set maximum bill payment limits.
Who provides Citibank Bill Pay Service?
Citibank provides Citibank Bill Pay Service exclusively for its customers, both
Cardmembers and Account Holders. It is a service designed to make waiting at
collection centres and trip to drop boxes a thing of the past.
How does Citibank Bill Pay work?
Citibank Bill Pay allows you to pay your bills at Citibank Online or via Citi
Mobile. You do not even have to remember the due date of your bills, as you can
set up SMS reminder alerts for the same.
What are the bills I can pay using Citibank Bill Pay?
The Mobile Prepaid Recharge facility allows you to recharge your Prepaid mobile
connection by using your Citibank Credit / Debit Card, which you can do from
anywhere, anytime. This service is available free of charge. Click here to see a
complete list of billers.
Can I pay my bills only online?
You can pay your bills using Citibank Online, Citi Mobile and CitiPhone.
Are all these bill payment transactions safe?
Citibank Bill Pay service is completely safe and secure as Citibank practices
all safety protocols as per industry standards and guidelines.
Is there any charge for using Citibank Bill Pay?
All transactions done through Citibank Online are free for Credit Cards, NRI,
Suvidha and Citibank banking customers. For transactions done using CitiPhone, a
charge of Rs25 per transaction will be levied only for Suvidha customers. Your
Prepaid card may be refilled with airtime after subtracting fixed rentals, GST,
etc. as levied by the Cellular Operator from the amount indicated by you. This
will be the same amount as is usually deducted by the Cellular Operator for
Prepaid recharges (please contact your Operator for details of these charges).
Citibank will not deduct any charges from the customer towards provision of this
service.
What happens to my physical bills, when I use Citibank Bill Pay?
You will still continue to receive your physical bills when you use Citibank
Bill Pay.
Who can use Citibank Bill Pay service?
All Citibank Cardmembers and banking Citibank customers can use Citibank Bill
Pay services.
How do I subscribe to Citibank Bill Pay?
All Citibank Cardmembers and banking customers already have this option, you
simply have to register, please visit our website - Just go to Citibank Online
and enjoy the convenience of Citibank Bill pay.
Can I create a list of bills, which can then be paid automatically with a
certain maximum limit?
Yes, you can. The bills will be cleared automatically as per the standing
instructions only till the maximum limit that you have set.
PREPAID MOBILE RECHARGE
What is Mobile Prepaid Recharge facility?
The Mobile Prepaid Recharge facility allows you to recharge your Prepaid mobile
connection by using your Citibank Credit / Debit Card, which you can do from
anywhere, anytime. This service is available free of charge.
How do I use Mobile Prepaid Recharge facility?
You can use either of the following secure and simple channels:
* Citibank Online
* Kiosks at Citibank ATM Centres
* SMS
Procedure for using Citibank Online to recharge your prepaid mobile:
* Login to Citibank Online
* Go to the 'Recharge Prepaid Mobile' section
* Enter the mobile number you wish to recharge, select your operator and choose
a payee nickname. You can choose to remember this payee for future
transactions. An Online Authorisation Code (OAC) will be sent instantly to
your registered E-mail ID and an SMS to your registered mobile number
* Once you have the OAC, go to the 'Payee List' section and activate your
mobile recharge payee by using it
* Choose the Account/Card you want to debit. Enter the recharge amount and
confirm the same to recharge the prepaid mobile number. Your Prepaid mobile
connection is now recharged. A confirmation SMS will also be sent to this
number
Procedure for using Kiosks at Citibank ATM Centres to recharge your prepaid
mobile:
* Walk into any the Citibank ATM centre which has a special kiosk installed
* Swipe your Card at the kiosk and enter your 4-digit ATM PIN (APIN)
* Select 'Payment and Transfers' option
* Select 'Online Prepaid Recharge' and choose 'Recharge a Registered Number'
for a registered number or 'Recharge Another Number' to register and recharge
a new number
* If you have chosen 'Recharge Another Number', then enter the new mobile
number and the amount you want to recharge. If you chose an existing number,
then just enter the recharge amount
* Your Prepaid mobile connection is now recharged. A confirmation SMS will also
be sent to this number
Procedure for using SMS to recharge your prepaid mobile: Recharge via SMS
service has been withdrawn. You can recharge your prepaid mobile connection by
logging into Citibank Online, visiting a Citibank Kiosk or by calling 24-Hr.
CitiPhone Priority Service Numbers.
What if I do not receive the One time password (OTP) after adding a Prepaid
Mobile recharge payee?
The One time password (OTP) is delivered to the registered mobile number updated
in our records. You may not receive the OTP if there is a change in your
registered mobile number in the last 3 days or if your current mobile number is
not registered with us. You can update it by logging into Citibank Online.
Will my mobile phone be recharged for the amount indicated by me in my message?
No. Your Prepaid card will be refilled with airtime after subtracting fixed
rentals, GST, etc. as levied by the Cellular Operator from the amount indicated
by you. This will be the same amount as is usually deducted by the Cellular
Operator for Prepaid recharges (please contact your Operator for details of
these charges). Citibank will not deduct any charges from the customer towards
provision of this service.
Is there a maximum limit to which I can recharge my Prepaid account?
Yes, the maximum amount that can be recharged for a single prepaid mobile
transaction is Rs 5,000. In case you are making more than one prepaid bill
transaction in a day, the sum of all the prepaid bill payments on one day should
not exceed Rs 30,000.
Is this service available with all Cellular Operators?
This service is currently available for prepaid connection users of the
following mobile service providers: Airtel, Vodafone, BPL Mobile, Reliance India
Mobile, TATA GSM, TATA DOCOMO, Idea, Videocon, Aircel and BSNL.
How many Prepaid connections can I recharge on my Citibank Debit / Credit Card?
You can recharge any number of Prepaid mobile connections on your Citibank
Credit / Debit Card.
Are there any charges for Prepaid refill service?
This service is absolutely FREE for all Citibank Credit Card and Savings Account
customers. In fact, you get Reward Points on your Citibank Debit / Credit Card.
What are the benefits of the Mobile Prepaid Recharge facility?
* This facility is absolutely FREE!
* It allows you to recharge your prepaid connection anytime and from anywhere
* By using your Citibank Credit Card you can avail up to 45 days of credit for
this prepaid recharge transaction
* You get Reward Points on your Citibank Debit / Credit Card!
* You may recharge any number of prepaid mobile connections
CitiAlerts
CITIALERT
What is CitiAlert?
CitiAlert is an Internet-based notification system that helps you to keep
up-to-date with your account information. You can receive alerts as a SMS or as
E-mail or both. You also have control over the frequency of these messages. You
may choose to receive these messages:
* Periodically, such as, once a week or once a day
* As an event occurs, like you can choose to receive a reminder message for
bill payment or status of any account activity
How can I start using CitiAlert?
You would need to register for the service, which is a one-time process. You can
now set alerts for your account, choosing their content and periodically. You
can subscribe or unsubscribe for any alert anytime.
You can use any on the following channels to register for CitiAlert:
* Citibank Online
* 24-Hr. CitiPhone Priority Service Numbers
* Physical form submission.
Citibank Online registration process:
* Log on to Citibank Online
* Select the option to 'Register for CitiAlert' present under the 'Customer
Service'. After completing the registration process, you can go to your
personalized alerts page, 'My Alert', where all the alerts that you have
registered for are listed
CitiPhone registration process:
* Call 24-Hr. CitiPhone Priority Service Numbers.
* Use your TPIN to begin the registration process for CitiAlert. The CitiPhone
Officer would record your requests for particular alerts and set up your
profile as per your instructions.
Registration by Physical form submission:
* Visit any Citibank branch or an ATM and pick up a CitiAlert registration form
* Fill it out indicating the alerts you would like to receive and send it to
the indicated address
* Once your registration has been updated on our systems, an IPIN (Internet
Password) will be sent to you, which you can use to manage your alerts.
Can I access this service on ANY mobile phone?
Yes, you can access this service through any mobile phone.
How often will I receive these alert messages?
You can select the frequency for certain alerts. You can decide to receive these
messages:
Periodically:
* Once a day - message is sent only once a day regardless of the number of
times the alert is triggered in a day
* Once a week - message is sent only once a week regardless of the number of
times the alert is triggered in a week
* Once a month - message is sent only once a month regardless of the number of
times the alert is triggered in a month
As event occurs:
For certain Alerts you will be alerted every time a particular event occurs,
e.g., salary being credited.
Will I be able to receive the alerts even if I am traveling?
Yes, definitely.
Would the cellular operator charge me for this service?
Most cellular operators in India do not charge customers for receiving messages
(terminating on the handset) on the mobile phone. Please check with your
cellular operator for more information.
Do I need to be registered with any particular service provider to receive
E-mail Alerts?
No, the alert will be delivered to your registered E-mail address. Just make
sure that these email alerts do not go in your Spam or Junk folder. Please
De-flag Citibank email id as Non-Spam so that it gets delivered to your Inbox.
Who can avail of this service?
All Citibank customers can avail of this service.
How can I know my card outstanding via SMS?
You can place your request for Account/Credit Card details by sending any of the
keywords mentioned in the table below to either 52484 or +919880752484 as an
SMS:
Eg: If you want to fetch your account balance and if the last four digits of
your debit card number is 7656, the content of the SMS should be BAL 7656.
Bank Account Holders
SMS
To Get
BAL XXXX
Account Balance
SAL XXXX
Last Salary Credit in Bank Account
ATM <Location>
Nearest ATM
DUPSTAT XXXX
Duplicate Statement
CHQBOOK XXXX
New Cheque book request
Credit Card Holders
SMS
To Get
STMT XXXX
Total Amount Due, Minimum Amount Due and Payment Due Date
CARDBAL XXXX
Credit Card Outstanding with Available Credit Limit
REWARDS XXXX
Reward Points
XXXX is the last four digits of Credit / Debit Card
User ID Based Login
USER ID BASED LOGIN
How can I get my User ID?
If you have an active IPIN (Internet Password), you can select a User ID through
a convenient 30-second process. Click here to select your User ID.
If you do not have an active IPIN you can select both your User ID and IPIN
here.
I have multiple relationship with Citi. Should I select a User ID for each of my
product?
You enjoy the convenience of single User ID and IPIN across multiple linked
relationships.
If you have more than one relationship with the bank, we recommend you select an
IPIN for Suvidha/Banking relationship. You can then use this IPIN to login to
Citibank Online and link all other relationships.
Click here to create your User ID.
What are the guidelines for selecting a User ID?
Your User ID is intended to be a convenient ID for you to remember but at the
same time, do ensure you select a strong User ID which
* Can be minimum 6 to maximum 50 characters
* Can be alphanumeric or pure alpha
* Can include @ _.
If I have forgotten my IPIN (Internet Password), How can I get a new IPIN?
Oops ! It happens. We will help you to create a new IPIN. Please self select one
by clicking here. This is a convenient way of getting your Internet PIN
instantly. Request for an IPIN through CitiPhone banking or other Service
channels is not available. For security of your account, only you can create
IPIN for your account.
I have a User ID and a Password for Online banking but I have not used these for
a long time. Can I use the same User ID and Password to login and access my
account?
For security of your account, IPIN will expire if it is not used for more than 6
months. In such case, please select a new password and use the same to access
your account.
Will I require this new User ID for my Online purchase transaction
authentication?
You can continue to use your 16 digit Card Number and the Internet Password
(IPIN) to authenticate your Online purchase transactions during an interim
transition period. During this period if you have chosen your User ID in
Citibank Online, you can authenticate your purchase transactions with the IPIN
of your User ID.
Post this period, you will definitely need to have a User ID to authenticate
your transaction with your IPIN. However even if you have not chosen your User
ID, the option to request for an OTP and use the OTP to authenticate your
transaction will continue to be available.
This transition date will be communicated separately.
I am not a CBOL active user, use only for PG, Citi Mobile will User ID impact
me?
If you use only Citi Mobile to access your accounts, please ensure you select
your User ID here with your active Internet Password (IPIN). After this one time
process, you will be able to continue accessing Citi Mobile with ease.
For Citibank payment gateway users, you will be able to authenticate your Online
purchase transactions without choosing a User ID until an interim transition
period. Post this period, you will mandatorily be required to select your User
ID, for using the IPIN for authenticating your purchase transactions. After you
select your User ID, you will just be required to enter your IPIN to
authenticate your transaction. However even if you have not chosen your User ID,
the option to request for an OTP and use the OTP to authenticate your
transaction will continue to be available.
This transition date will be communicated separately.
Can I choose my nickname as the new User ID?
Yes, of course. Since User ID is a unique ID, our system will validate if the
same is available for use, i.e. no other user has selected this name as their
User ID already. If your nick name is not already in use, it will be assigned as
your User ID.
Can I change a User ID after I select one?
Yes, you can change your User ID if you wish to. Please do note that you may be
able to change your User ID only 6 times from the first time the user id is
created.
I have forgotten my User ID, How can I retrieve my User ID?
No problem if you've forgotten your User ID. You don't have to create a new one.
We will help you to retrieve it. The system will ask a few verification
questions to identify your account details. You will then be able to know your
User ID. Please click here to retrieve your User ID
I am a first time user, How can I get my login credentials (User ID and Internet
Password) for accessing Citibank Online?
We welcome you to the convenient world of digital banking with Citibank. To
access your account Online and experience the host of transaction services that
our digital platform has to offer you, you will require two credentials - a User
ID and an Internet Password (IPIN). You can select both your User ID and your
Internet Password (IPIN) here in a convenient process.
Which User ID will be retained when I link my accounts Online through Citibank
Online?
When you link your existing Citibank accounts Online, the User ID with which you
have logged in Citibank Online will be retained. If there was a User ID
associated with the other account being linked, that User ID will be deleted.
I have registered for enhanced security, Will there be any changes to OTP at
login feature?
There are no changes to any other login features. If you have registered for
enhanced security at login, you will receive OTP every time you take a fresh
login.
I am an NR customer, Is there any additional change to my Citibank Online login?
All Citibank customers will be able to access their account Online with a User
ID only. This applies to your NR (Non Resident Banking) accounts also. Once you
select your User ID for your RCA or Investment base account, you will continue
to be able to access all your linked accounts on Citibank Online as you have
been till now. If you hold an Investment base with Citibank, please do note that
a mandatory second factor authentication will be applicable for your Online
access in line with regulatory guidelines.
LRS
LIBERALISED REMMITTANCE SCHEME
LIBERALISED REMMITTANCE
OVERSEAS
REMIT FUNDS
REMIT FUNDS OVERSEAS
MUTUAL FUNDS
INVESTMENTS
SIP
INVESTMENTS
CITI INSURANCE
TRAVEL OFFERS
TRAVEL CARD
CITI TRAVEL
NRV
COMMERCIAL BANK
SME
CORPORATE BANKING
CORPORATE FINANCE
BUSINESS FINANCE
BUSINESS BANKING
SME BANK
FINANCE BUSINESS
SMALL BUSINESS FINANCING
COMMERCIAL BANK ONLINE
SME FINANCING IN INDIA
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WHAT’S NEW ON YOUR CITI MOBILE APP?
A SIMPLE GUIDE TO UNDERSTANDING YOUR CITI CREDIT CARD
KNOW YOUR CREDIT CARD OUTSTANDING BALANCE THROUGH CITI MOBILE APP
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Create User ID & Password
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Citi Credit Card Rewards
Create User ID & Password
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Video KYC
Digital DIY tips and demo videos
Enable transactions on Credit Card
Dispute card transaction
Report Lost/Stolen card
Citi Credit Card Rewards
REPORT YOUR LOST/STOLEN CARD IMMEDIATELY AND REISSUE A NEW CARD IN 3 SIMPLE
STEPS:
* 1
Login to Citibank Online
* 2
Post Login, in the top menu, click on Banking tab (for Debit Card) OR Cards
tab (for Credit Card)
* 3
In Left hand menu, click Report Lost/Stolen card and follow the steps
outlined on the screen Login CTA button: Login Now
Login Now
Note: If you choose "No" under "Do you want a new card?" option and there are no
other active cards linked to your account, your Citibank Online/Citi Mobile
access will also get blocked. In case of reissuance, the new card will be sent
to your registered address.
REPORT YOUR LOST/STOLEN CARD IMMEDIATELY AND REISSUE A NEW CARD IN 3 SIMPLE
STEPS:
* 1
Login to Citi Mobile app
* 2
Post Login, select ‘Report Lost/Stolen Card’ option under ‘Service Requests’
* 3
In Left hand menu, click Report Lost/Stolen card and follow the steps
outlined on the screen Login CTA button: Login Now
Login Now
Note: If you choose "No" under "Do you want a new card?" option and there are no
other active cards linked to your account, your Citibank Online/Citi Mobile
access will also get blocked. In case of reissuance, the new card will be sent
to your registered address.
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How to initiate funds transfer with Citi? Preapproved Personal Loans* from
@9.99% p.a. - Login to check offer Selective block of online & international
card transactions Credit Card Bill Payment Guide How to avoid OTP Fraud How to
apply for a mutual fund Check your Citi Card Application Status Access your
Statement on Email Book an instant loan on your Credit Card Convert Credit Card
outstanding into EMIs Convert Credit Card transactions into EMIs
YOUR QUERIES, OUR ANSWERS
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01
HOW DO I BLOCK MY CITI CARD AND RE-ISSUE A NEW ONE?
You may block your card using either Citibank Online or Citi Mobile App. Please
follow the steps given below:
CITIBANK ONLINE
* Step 1: Log in to Citibank Online
* Step 2: In the top menu, click on Banking tab (for Debit Card) OR Credit Card
tab (for Credit Card).
* Step 3: In the Left hand menu, click 'Report Lost/Stolen card' and follow the
steps outlined on the screen.
* Step 4: Choose the card you wish to block, select the reason for blocking
(whether lost or stolen) and yes for issuing new card and click ‘Next’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
CITI MOBILE
* Step 1: Log in to Citi Mobile
* Step 2: Choose ‘Account Summary’ and select the account/card you want to
block
* Step 3: Click on ‘Block Card Permanently’
* Step 4: Select reason for blocking (whether lost or stolen), yes for issuing
new card and click ‘Continue’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
Citibank Online
* Step 1: Log in to Citibank Online
* Step 2: In the top menu, click on Banking tab (for Debit Card) OR Credit Card
tab (for Credit Card).
* Step 3: In the Left hand menu, click 'Report Lost/Stolen card' and follow the
steps outlined on the screen.
* Step 4: Choose the card you wish to block, select the reason for blocking
(whether lost or stolen) and yes for issuing new card and click ‘Next’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
Citi Mobile
* Step 1: Log in to Citi Mobile
* Step 2: Choose ‘Account Summary’ and select the account/card you want to
block
* Step 3: Click on ‘Block Card Permanently’
* Step 4: Select reason for blocking (whether lost or stolen), yes for issuing
new card and click ‘Continue’
* Step 5: That’s it, you’re done! Your new Citi Card will be on its way!
* Note: When a lost card is blocked, your access to view your account/credit
card online will also be blocked, until a new card is re-issued.
02
HOW TO SET YOUR USER ID, PASSWORD AND PIN ONLINE?
* 1. Click here and follow the steps given below. Alternatively you can go to
Citibank Online and click on ‘First Time User? Register Now’ on the left.
* 2. Choose your Account type. If you have more than one relationship with the
bank, we recommend choose Suvidha/Banking relationship
* 3. Enter your details, including card number, CVV and date of birth to
proceed
* 4. Authenticate your information using OTP sent to your registered mobile
number
* 5. Choose your User ID, Password and PIN
* 6. That’s it, you’re done! Login to Citibank Online and enjoy seamless
banking services.
03
WHAT ONLINE SERVICES DOES CITIBANK PROVIDE?
Stay home, bank smart! You can access all key services for your bank or card
account from your Citi India Mobile app, available for download on the App Store
or Play Store, or Citibank Online.
Click here to know more.
04
HOW DO I ENABLE MY CREDIT OR DEBIT CARD FOR TRANSACTIONS?
Click here to know more.
05
HOW CAN I VIEW /DOWNLOAD MY BANK ACCOUNT / CREDIT CARD/ LOANS STATEMENT?
Credit Cards
Please Click Here to view/download the statements online.
Banking
Click Here to login to your account and view/download the statements online.
Please also note the steps to be followed on Citibank Online to view/download
the statements:
* Step 1:Select 'Banking'
* Step 2:Select 'View/Download Statements' in the left navigation panel and
proceed
* To download statement on Citi Mobile, login and select ‘Service Requests’ on
the left navigation menu. Click ‘Duplicate Statement Request’ and follow the
instructions given on screen.
Home Loan
Click Here and follow the below steps to view/download the statements online.
* Step 1: Click on ‘View account summary’.
* Step 2: Select the account number of your choice.
* Step 3: The transaction details will be displayed at the bottom of the page.
* Step 4: To view other transactions click on "view transaction" and follow the
procedure displayed.
* Step 5: To download, click on "download account details".
Personal Loan
Please Click Here and follow the below steps to view/download the statements
online.
* Step 1: Click on 'Personal Loan' tab on the top.
* Step 2: Click on '+' button to expand / view the Personal Loan Accounts.
* Step 3: Click on the Personal Loan Account link to view the details of the
Loan Account. You will be able to view four buttons at the bottom of this
page.
* Step 4: Click on the 'View Loan Account Statement' link to view / download
the Loan statement.
* Step 5:You can click 'View Statement Details' to view for last six months OR
select 'From Date' and 'To Date' and click on 'View Statement Details' to
view the statement for a particular period.
To download the statement for last six months or for a date range, choose file
type in the drop down below the 'Download Statement detail' and Save.
06
HOW CAN I CHANGE MY ADDRESS ONLINE?
Click here to know the steps for changing your address online.
07
HOW DO I UPDATE PAN/FORM 15G/FORM 15H?
PAN
To update your Permanent Account Number (PAN), please click Here to log into
Citibank online and submit an attested copy of your PAN Card online.
(Note: The purpose of upload should be 'Update Pan Number')
Alternatively, you can use Citi Mobile to submit documents. Login to Citi
Mobile, on the left panel, select ‘Submit Documents’ and follow the instructions
given on screen
Form 15G/15H
To update your Form 15G/15H, Click Here to login to Citibank online and submit
documents online.
Alternatively, you can use Citi Mobile to submit documents. Login to Citi
Mobile, on the left panel, select ‘Submit Documents’ and follow the instructions
given on screen
08
WHY WAS MY CHEQUE PAYMENT NOT CREDITED TO THE CARD ACCOUNT?
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.
09
HOW DO I DISPUTE A DEBIT CARD/CREDIT CARD TRANSACTION?
Click here to know how to dispute your transaction online.
10
WHAT ARE THE CURRENT OFFERS AVAILABLE ON CITIBANK CREDIT/DEBIT CARDS?
Explore all offers now!
01
HOW TO UNLOCK YOUR CITI CREDIT CARD ONLINE
02
CITI VIDEO KYC – CONTACTLESS, SECURE AND CONVENIENT WAY TO APPLY FOR A CREDIT
CARD
03
INTERNATIONAL REMITTANCES MADE EASY WITH CITI
04
INVEST WITH CITI
05
HOW TO INITIATE FUNDS TRANSFER WITH CITI?
06
ENHANCING SECURITY OF CITI CARD TRANSACTIONS
07
KNOW ALL ABOUT DEMAT ACCOUNTS
08
KNOW YOUR BILLING DATE, PAYMENT DUE DATE AND HOW INTEREST IS CHARGED
09
CITI READY CREDIT SIMPLIFIED
10
NEW JOB? NOW EASILY UPDATE YOUR COMPANY DETAILS ON YOUR PHONE/ONLINE WITH CITI
01
HOW CAN I APPLY FOR A CITIBANK CREDIT CARD AND WHAT IS THE ELIGIBILITY?
Click here to apply for a Citi credit card.
You can also apply for a Citibank Credit Card by visiting Citibank website and
clicking ‘Credit Card’ tab.
02
HOW DO I REDEEM MY REWARD POINTS?
Click here to know all about Citi Credit Card Reward Redemption.
03
WHAT ARE THE CURRENT OFFERS AVAILABLE ON CITIBANK CREDIT CARDS?
Click here to know the current offers available on your Citibank credit card.
04
WHY IS INTEREST CHARGE LEVIED WHEN I PAID MY CREDIT CARD DUES ON TIME?
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.
05
CAN I PLACE REQUEST TO RECEIVE MY CREDIT CARD AT A NEW MAILING ADDRESS?
To receive your card at a new mailing address, please change your mailing or
non-mailing address following the instructions outlined here.
06
CAN I MAKE CREDIT CARD PAYMENTS VIA A CITIBANK ACCOUNT?
You can make Credit Card Payments easily via Citibank Online or Citi Mobile.
Citibank Online
* Step 1: Log in to Citibank Online your User ID and password (IPIN)
* Step 2: Choose ‘Credit Card’ tab.
* Step 3: Click on ‘Pay Credit Card bill’ and follow the instructions given on
screen.
Alternatively, you can also set up a Standing Instruction to debit your Citibank
Account and credit your Card Account every month. This can be done by logging
onto Citibank Online and placing a request to maintain a Standing Instruction.
Citi Mobile
* Step 1: Log in to Citi Mobile.
* Step 2: On the left navigation panel, choose ‘Bill Pay & Recharge’.
* Step 3: Choose ‘Credit Card bill payment’ and follow the instructions given
on screen.
Alternatively, you can also set up a Standing Instruction to debit your Citibank
Account and credit your Card Account every month. This can be done by logging
onto Citibank Online and placing a request to maintain a Standing Instruction.
07
MY CARD IS ON THE VERGE OF EXPIRY, HOW DO I GET A NEW CARD?
Please click on the options below for details:
Debit Card
Your Debit card will be renewed automatically prior to expiry of the existing
card. The renewed card will be sent to your registered mailing address. The
existing APIN will be applicable on your new ATM card also.
Credit Card
Your credit 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
actual expiry of the card. This is applicable for renewal of add-on cards as
well.
The renewed card will have the same card number, however the CVV will differ.
For security purpose, you should destroy the expired card plastic.
NR
Your Debit Card is valid till the last day of the month and year mentioned on
the Card Validity.
We will issue you a renewal Debit Card in the month in which your old Debit Card
expires. Your new Debit Card will be valid upon the expiry of your existing
card.
Note:- If your account is inactive or dormant or in any other blocked status, we
will not issue you a renewal Debit Card.
08
HOW DO I CHECK CREDIT CARD OUTSTANDING?
To know the Credit Card Outstanding and your Available Credit Limit, please
follow the instructions given below:
Citibank Online
* 1. Login to Citibank Online using your User ID and Internet Pin (IPIN)
* 2. Click on 'View Account Summary' on the left navigation panel for account
balance and transaction details.
* 3. Choose Credit Cards and then choose the particular card you want to check
the account summary
Citi Mobile:
* 1. Login to Citi Mobile
* 2. Click on 'Account Summary' and choose the relevant account
09
HOW DO I CONVERT MY CARD OUTSTANDING TO EMI?
Citibank Online:
* 1. Login to Citibank Online
* 2. Go to ‘Credit Card’ and select on ‘Click an EMI’
* 3. Click on the transaction you wish to convert to EMI
* 4. Choose tenure of repayment and confirm
* 5. That’s it, you’re done!
Citibank Mobile:
* 1. Login to Citi Mobile
* 2. On the left-hand burger menu, choose ‘Loans and EMIs on Credit Card’
* 3. Choose ‘Convert credit card outstanding into EMI’ to check your
eligibility and apply
10
WHY WAS MY CHEQUE PAYMENT NOT CREDITED TO THE CARD ACCOUNT?
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:
* Pay via your Citibank Account Online or through the Citi Mobile® App.
* Alternatively, pay via any other Bank Account using the NEFT/ RTGS.
* 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:
* Card number not mentioned/invalid card number.
* Cheque not signed
* Cheque is altered.
* Amount in words & figures mismatch
* Date not written/ invalid date/ cheque is stale/ outdated
01
HOW DO I OPEN AN ACCOUNT WITH CITIBANK?
Please click on the options below for details:
CitiGold, Citi Priority
For opening a CitiGold account, please provide your contact details here and we
shall contact you to assist with account opening.
For opening a Citi Priority Account, please provide your contact details here
and we shall contact you to assist with account opening.
Citibank Suvidha Corporate Salary Account
Citibank Suvidha Corporate Salary Account is offered to employees of
organization that have an on-going salary account tie-up with us. Please click
here to check your eligibility and apply for a Citibank Suvidha Corporate Salary
Account.
Employee Reimbursement Account (ERA)
ERA is offered only if you hold a Citibank Suvidha Corporate Salary Account. You
may contact your Human Resource or Payroll department to check the corporate
tie-up or to obtain the contact details of our Corporate Relationship Managers.
Ready Credit Account
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
Kindly note: Issuance of Citibank Ready Credit Line and Loan facility is at the
sole discretion of the bank and subject to its internal credit processing
criteria.
Investment Services Account (ISA)
You can open an Investment Services Account (ISA) with us via Citi Mobile App –
You can open your ISA on mobile in just 3 simple steps;
* 1. Login into Citi Mobile App and click on ‘Grow Your Money’ and select
‘Start Now’ option
* 2. Enter basic information such as country / place of birth and gross annual
income and authenticate using OTP
* 3. Complete your Risk Profiling and Product Category Knowledge (PCK) to start
investing
Demat Account & Domestic Mutual Fund Account
Kindly visit the nearest Citibank branch with your identity proof, address
proof, pan card and a recent passport size photograph.
Fixed Deposit
To book a fixed deposit, please follow the steps below:
Citi Mobile:
* 1. Login to Citi Mobile
* 2. On the left panel, choose ‘Deposits’
* 3. Click ‘Book a deposit’ and follow the instructions given on screen
Citibank Online
* 1. Login to Citibank Online using your User ID and IPIN
* 2. Click on the ‘Investments’ option on the top navigation panel.
* 3. Select ‘Deposits’.
* 4. Choose ‘Book Deposits’ and follow the instructions.
CitiBusiness
For opening a CitiBusiness account, please provide your contact details here and
we shall contact you to assist with account opening.
02
HOW DO I CHECK ACCOUNT BALANCE OUTSTANDING?
Citibank Online
* 1. Login to Citibank Online using your User ID and Internet Pin (IPIN)
* 2. Click on 'View Account Summary' on the left navigation panel for account
balance and transaction details.
Citi Mobile:
* 1. Login to Citi Mobile
* 2. Click on 'Account Summary' and choose the relevant account
You can also refer to your monthly statements
03
AT WHAT RATE DO I EARN INTEREST ON MY DEPOSITS AND SAVINGS ACCOUNT?
Please click here for our current deposit interest rates.
04
HOW DO I REQUEST FOR A NEW DEBIT CARD?
For debit card reissuance (on lost / stolen / damaged cards), please login to
Citibank Online and follow the steps below:
* Step 1: Select 'Banking'.
* Step 2: Select 'Other Services and Queries' on the left navigation panel.
* Step 3: Click on 'Reissue card'.
* Step 4: Choose the card number and proceed to reissue the card.
You can click here to request/change/retrieve your ATM PIN online.
Alternatively, for changing your ATM, you may follow the steps mentioned below:
* Step 1: Login to Citibank Online.
* Step 2: Select ‘Banking’ / ‘Credit card.
* Step 3: Click ‘PIN related’ on the left navigation panel.
* Step 4: Select ‘ATM PIN’ for Debit Cards and ‘Generate Credit Card PIN’ for
Credit Cards
* Step 5: Select the appropriate card number and proceed with the instructions
given on screen.
05
MY ACCOUNT IS INACTIVE, HOW DO I ACTIVATE IT?
Click here to know how to re-activate your dormant account.
06
HOW DO I CONVERT MY ACCOUNT TO A CITIBANK SUVIDHA CORPORATE SALARY ACCOUNT?
Please click here to check your eligibility and apply for a Citibank Suvidha
Salary Account.
07
HOW DO I GET AN ATM PIN (APIN)?
Click here to request/change/retrieve your ATM PIN.
Alternatively, for changing your ATM, you may follow the steps mentioned below:
* Step 1: Login to Citibank Online.
* Step 2: Select ‘Banking’ / ‘Credit card’.
* Step 3: Click ‘PIN related’ on the left navigation panel.
* Step 4: Select ‘ATM PIN’ for Debit Cards and ‘Generate Credit Card PIN’ for
Credit Cards.
* Step 5: Select the appropriate card number and proceed with the instructions
given on screen.
08
CAN I BOOK A DEPOSIT THROUGH CITIBANK ONLINE?
Yes, you can book deposits through both Citibank Online and Citi Mobile. Please
follow the instructions given below:
Citibank Online:
* Step1: Login to Citibank Online using your User ID and IPIN.
* Step2: Click n ‘Investments’ option on the top navigation panel.
* Step3: Select ‘Deposits’
* Step4: Choose ‘Book Now’ and follow the instructions given on screen.
Citi Mobile
* Step 1: Log in to Citi Mobile.
* Step 2: On the left navigation panel, choose ‘Deposit’.
* Step 3: In the drop-down menu, choose ‘Book a deposit’ and follow the
instructions given on screen.
Important: In case you hold a joint account with ‘Either or Survivor’ signature
rule, fixed deposits can be booked or closed online only if the Joint Holder
Deposit Consent form is updated in the bank records.
Please submit a signed Joint holder Deposit Consent Form at the branch or mail
it to –
* Citibank N.A. ., Mail Room,
* ACROPOLIS, 9th Floor,
* New Door No.148 (Old No.68),
* Dr. Radhakrishnan Salai, Mylapore,
* Chennai – 600 004
09
CAN I INVEST IN MUTUAL FUNDS THROUGH CITIBANK ONLINE?
I do not have investment Services account:
You can open an Investment Services Account (ISA) with us via Citi Mobile App.
The steps are given below:
* 1. Login into Citi Mobile App and click on ‘Grow Your Money’ and select
‘Start Now’ option
* 2. Enter basic information such as country / place of birth and gross annual
income and authenticate using OTP
* 3. Complete your Risk Profiling and Product Category Knowledge (PCK) to start
investing (or)
Note: You will be able to invest in funds of a particular Asset Management
Company (AMC), only after you have completed the Foreign Account Tax Compliance
Act (FATCA) requirements by visiting the website of the respective AMC. FATCA
places restrictions on US persons from using any financial institutions like
banks, mutual fund houses, etc.
I have an investment Services Account:
If you have an ISA with us, you can start investing online via:
Citi Mobile App:
* 1. Login into Citi Mobile App
* 2. Click on ‘Grow Your Money’ and select ‘Explore Funds’ option. With
‘Explore Funds’, you will be able to see CitiChoice funds, a shortlist of
mutual funds based on your risk appetite.
* 3. Select any one of ‘Equity, Debt, Liquid or ELSS’ – you will see a list of
funds in that fund type
* 4. Click on any fund of your choice basis detailed fund and AMC information
in ‘Fund Snapshot’.
* 5. Click on ‘Invest Now’
Citibank Online –
* 1. Login into Citibank Online using user User ID and Password
* 2. Click on ‘Investments’ tab and then click on the ISA account under ‘Mutual
Funds’ section
* 3. Click on ‘Buy Mutual Funds’ under ‘Trade Now’ section
* 4. You can see NAV details by clicking on ‘View NAV’ under ‘View Details’
section
10
WHAT IS READY CREDIT AND HOW CAN I APPLY FOR IT?
Citibank ready credit is an overdraft facility offered to select Suvidha
Corporate Salary Account holders. To know more about this facility, please click
here.
01
I HAVE RECEIVED A LOAN OFFER ON MY CREDIT CARD, WHAT IS THE PROCEDURE TO AVAIL
THE SAME?
Please follow the instructions given in the offer mail to avail the loan offered
on your credit card.
Alternatively, you can follow the steps mentioned below.
Citibank Online:
* Click here to check your eligibility and book.
Citi Mobile:
* 1. Login to Citi Mobile
* 2. On the left burger menu, choose ‘Loans and EMIs on Credit Card
* 3. Click ‘Loan on Credit Card’
* 4. If you are eligible, follow the instructions given on screen
For more information, click here.
02
HOW DO I CHECK MY ELIGIBILITY FOR LOAN ON MY CREDIT CARD?
Citi Quick Cash is an exclusive installment facility offered to select Citi
Credit Cardholders, which may be within or above the credit line. It can be
conveniently availed through Citibank Mobile App or Citibank Online.
Click here to check your eligibility and book.
For more information, click here
NOTE: Loan sanctions will have to confirm to certain criteria.
03
WHAT IS THE RATE OF INTEREST AND THE EMI AMOUNT FOR A LOAN ON THE CREDIT CARD?
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
04
HOW CAN I APPLY FOR CITIBANK PERSONAL LOAN?
To apply for a Citi Personal Loan, please fill the Click 4 Call form on our
website and our representatives will be happy to help you.
If you hold a Citibank savings account, you can also apply for the same by
logging onto your Citibank Online account.
05
HOW CAN I CONFIRM DETAILS REGARDING MY PERSONAL LOAN ACCOUNT?
You can view the loan details on your welcome letter. You can view/download
welcome letter online by following below steps:-
* Step 1: Login to Citibank Online by using your User ID and IPIN. Click on
'Personal Loan' tab on the top.
* Step 2: Click on '+' button to expand / view the Personal Loan Accounts.
* Step 3: Click on the Personal Loan Account link to view the details of the
Loan Account.
* Step 4:Click on the link at the bottom of the page to view/download the
welcome letter.
The loan details will be also available in the welcome letter sent to your
mailing address when the Personal loan was sanctioned.
06
WHAT IS THE MERCHANT EMI CONVERSION?
Citi PayLite is a facility offered to Citi Credit Cardholders to convert their
purchases into easy monthly installments. Any eligible purchase greater than ₹
2500 can be converted into flexible EMIs before the payment due date.
Please click here to convert your credit card purchase to EMI in just a few
clicks.
Alternatively, you can follow the instructions given below to convert your
transaction to EMI on Citibank Online/Citi Mobile.
Citibank Online
* 1. Login to Citibank Online with your User ID and Password (IPIN)
* 2. Click ‘Credit Card’ tab
* 3. Click on ‘Click an EMI’ and follow the instructions given on screen
Citibank Mobile:
* 1. Login to Citi Mobile
* 2. On the left panel, choose ‘Loans and EMIs on Credit Card’
* 3. Click ‘Convert credit Card transactions to EMI’
* 4. Select the transaction you wish to convert to EMI and follow the
instructions outlined
For more information, click here.
07
HOW DO I CONVERT THE OUTSTANDING BALANCE ON MY CREDIT CARD INTO EMI?
Citi FlexiBill is a facility offered to eligible Credit Cardholders to convert
their card outstanding into easy monthly installments.
Click here to check your eligibility and book.
For more information on Citi FlexiBill, please click here.
08
HOW DO I AVAIL A CITIBANK HOME LOAN?
Please click here to apply for a Citibank Home Loan.
Alternatively, you can go to Citibank website and click on ‘Home Loan’ tab to
know more.
09
CAN I AVAIL AN ENHANCEMENT ON MY EXISTING HOME LOAN WHEN I TRANSFER TO CITIBANK?
You can not only transfer your existing Loan to Citibank, but you can also avail
an enhancement up to Rs 3 Crores for any of your personal, business or
professional needs. You can also use the enhancement funds to close your other
Loans with other institutions.
10
WHAT MORTGAGES DO YOU OFFER?
Citibank presents to you the widest range of home loan solutions to make your
dream home a reality.
Click here to know more about the various mortgage offerings we provide.
Please visit Citi Online, click 'Service Center', select 'Write to us' and raise
a complaint or request.
You can also contact our 24 hour Citiphone Banking Service on +97 14 3114000.
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