We’re here to assist you in finding the information you need about Citibank Credit Cards. You can choose one of the options below or for general enquiries, you can browse through our Online Service Desk, email us or call us anytime on 13 CITI (13 24 84).
Citibank Online is our secure internet banking facility. This fast and convenient service allows you to:
Check your account information
View details, activity and your statement
Order a statement, cheque/ deposit book or bank draft/ cheque
Pay bills via BPAY
Add, activate, view or delete a payee
Change your contact details or ATM PIN
Perform fund transfers between your accounts, to another Citibank customer, to another Australian bank, to a Citibank account overseas or transfer money abroad.
Create, view, change or cancel a recurring transfer to another bank account
Note: You can BPAY up to your credit limit on your Citibank credit card.
Phone Banking
You have the freedom to access all your account information and make transactions on your account whenever you want by calling CitiPhone on 13 24 84 (or from overseas on +61 2 8225 0615). You'll need a touch-tone telephone, your Citicard or Citibank account number and your Telephone Personal Identification Number (TPIN). If you can't remember your TPIN, simply call CitiPhone and we can reset this for you over the phone.
A linked Citibank account (not credit card or other Ready Credit) through Citibank Online or CitiPhone Self Service Banking. To transfer funds from an existing Citibank account, sign on to Citibank Online or phone 13 24 84 to use CitiPhone Banking, then follow the prompts.
Another bank account. If your other institution provides online banking, you can elect to make an online funds transfer from your nominated account to your Citibank account. Simply enter the following information:
The Citibank BSB Number which is 242 200
Your 16-digit Citibank Credit Card number
By Mail using a Cheque
You can post us your payment by enclosing your completed Remittance Advice provided with your monthly statement (for credit products only) or deposit split (see below for more information on deposit books) and mail with your cheque (no notes or coins accepted) to the following address for each of the following products:
Citibank GPO Box 749F Melbourne VIC 8105
Please make your cheque payable to your Citibank account number and specify your account type e.g. Citibank Gold Credit Card account number. It would also assist us in processing your payment if you write the actual account number on the back of your cheque.
Cheques payable to the accountholder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted. For more information on cheque clearance times, visit our Cheque Clearance page.
Australia Post
You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS will be processed immediately. Remember to take your Remittance Advice and your Credit Card with you for a faster transaction.
For payments made at any other Australia Post using cash or EFTPOS, please allow 48 hours for the payment to reach your account. When paying by cheque at any Australia Post office, please allow seven business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.
BPAY®
Bpay® If you are registered for internet and/or phone banking with the financial institution that holds the account you want to pay from you can use Bpay® to make repayments. Just follow the simple prompts and enter Biller Code 49502 followed by your 16-digit Citibank Credit Card number as your Customer Reference number.
If you have chosen to make your repayments using our direct debit service Easi-Pay, your repayments will automatically be made on time from your nominated bank account. Using Easi-pay avoids the hassle of remembering to make repayments each month, and helps prevent incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date.
Your minimum monthly repayment is (rounded up to the nearest dollar):
the greater of $30 and 2.00% of Card Balance; or
where a Late Payment Fee is charged, the greater of $30, and the sum of 0.25% of the Card Balance, Late Payment Fee and interest charged for that month; or
the Card Balance if it is less than $30, plus any Monthly Instalment for that month.
Card Balance - the Closing Balance less any Instalment Loan balance and Monthly Instalment for that month. Payment is due on the date specified on your credit card statement.
BPAY lets you pay your bills at your convenience. Learn how to set-up a bill payee and pay your bills quickly and easily with the BPAY interactive tutorial.
Easi-Pay is Citibank's convenient Direct Debit facility which enables you to make regular payments to your Citibank account automatically debited from your nominated bank account held within Australia. To set-up this facility:
Login to Citibank Online
Select Account Services from the top menu
Select Credit Cards from the sub-menu
Select Payment Options from the links provided
Select the 'Easi-Pay' link to complete our online application form.
Alternatively, you can download and complete the Easi-Pay application form below and mail or fax it to us.
Please Note: If you make any manual payments between due dates, then Easi-Pay will only draw the difference between the amount of the manual payments and the Easi-Pay amount.
To view and print copies of your card statement, simply log onto your account at Citibank Online, click on the 'Account Information' tab followed by the 'View Statement' tab and follow the prompts to download your statement in a printable PDF format. Alternately, contact CitiPhone on 13 CITI (13 24 4) to have a copy of your statement mailed to you within 5 to 7 working days. This will involve a fee of $7.00 per credit card account statement request.
You can make withdrawals from your Citibank credit card account via:
ATM/ EFTPOS - With your Citibank credit card and your ATM PIN, you can withdraw cash up to $1,000 per day at any ATM that displays the VISA or MASTERCARD symbol. Standard cash advance fees and charges may apply.
When overseas, you can also access cash from any ATM that displays the Plus, Star or NYCE symbols. For transactions overseas, currency conversion fees may apply.
Australia Post - With your Citibank credit card and your ATM PIN, you can withdraw cash up to $1,000 per day. Standard cash advance fees and charges may apply.
Over the counter - You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citibank Credit Card and ATM PIN will be required. Fees and charges may apply.
Other banks - You can withdraw cash from your credit card over the counter at any bank displaying the Visa or MasterCard symbol. Simply present your card and some photographic ID. Standard cash advance fees apply (please see our rates and fees page).
You should check your statement against your personal records, as soon as possible to ensure that you recognise all transactions. If you don't recognise a transaction, call CitiPhone straight away on 13 24 84. Alternatively, you may wish to contact the merchant directly and to try and resolved the dispute yourself.
Please also be aware, if you have a recurring bill payment being debited from your account that you wish to cancel, we also suggest that you contact the biller or merchant responsible for debiting the amount in order to cancel the request.
Your Citibank Credit Card provides the option of having up to 4 Additional Cardholders linked to your account. It’s a convenient way of ensuring family members have access to finance when they need it. Additional Cardholders will be issued with their own Citibank Card, though any transactions made using these cards will be separately itemised on your card Statement, making it easy to manage your finances. Additional Cardholders must be aged over 16.
Sign on to internet banking, go to Account Services, Credit Cards and choose the Additional Card option, or
Call CitiPhone on 13 CITI (13 24 84), or
Complete and mail or fax back an application form:
Exclusive benefits include Credit Limits up to $60,000 for the Gold Card and up to $100,000 for the Platinum Card; and free International Travel Insurance1.
400,000 locations including shops, restaurants, hotels etc in Australia
10 million establishments overseas
Citibank is the world's largest issuer of bank credit cards and the Citibank Group is represented almost everywhere in the world, which means customers:
Can always get information or assistance if they need it
Can be assured their Citibank card will be recognised by merchants worldwide
You can withdraw cash using your Citibank Credit Card at any ATM that displays the VISA or MASTERCARD symbol. Standard cash - advance and currency conversion fees will apply. When overseas, you can also access cash from any ATM that displays the Plus, Star or NYCE symbols. In an emergency, contact CitiPhone immediately on +61 2 8225 0615.
Please note: If you are travelling overseas and planning to use your Citi Credit Card, Visa Debit or Debit Card, it is important for you to know that many overseas retail outlets will ask you to enter your PIN rather than allowing you to sign. We suggest you memorise your PIN before leaving Australia. If you do not have a PIN, contact CitiPhone on 13 24 84 to obtain one.
An increase in your credit limit will be approved subject to Citibank’s lending criteria. If you apply online, an approved credit limit increase is effective immediately. If requesting a credit limit increase through CitiPhone or via mail or fax, please allow 5 to 10 working days for us to assess your application.
Please note that:
A minimum of 9 months from account opening date and 6 months from last increase are required before an increase will be considered
Currently, the maximum increase at any one time is 50% of the existing limit
Under ACT legislation, Cardholders who are ACT residents must apply for any increase in writing
Credit Limits cannot be increased by more than the product maximum (i.e. Silver is $10,000).
You can request a decrease on your Credit Limit over the phone or by mail. The credit limit cannot be any lower than the product minimum (i.e. the lowest credit limit on a Gold card is $5,000).
If your credit card is lost or stolen please call CitiPhone as soon as possible on 13 CITI (13 24 84) - 24 hours a day, 7 days a week (or from overseas on +61 2 8225 0615). One of our Customer Service Officers will immediately block your old card and re-issue you with a new card. Allow up to 5 working days for the new card to arrive in the mail.
In addition to blocking your card, the Customer Service Officer will enquire about all recent activity on your account. This lets us fully investigate any unrecognised transactions made with your credit card.
Further information about liability for card transactions is contained in your account terms and conditions.
Our Security Guarantee ensures cover under a range of different circumstances, allowing you complete peace of mind at home and abroad, on-line and off.
FRAUDSHIELD® If we detect any irregular transactions on your Account, we will call you immediately, even if you're overseas (if we have your contact details). All you need to do is call CitiPhone Banking on 13 CITI (13 24 84), and provide your contact details before you travel.
Purchase Cover4 If any items are lost, stolen or damaged within three months of purchase on your Citibank Credit Card, we'll arrange for them to be repaired, replaced, rebuilt or reinstated, free of charge, anywhere in the world (available on Silver, Gold, Platinum and BP-Citibank MasterCards).
Emergency Card Replacement5 If your Card is lost or stolen, in most cases we can cancel and replace your Card within 48 hours in almost any location, free of charge. If you are overseas you can report the loss to any bank or financial institution displaying a VISA or MasterCard sign.
CreditShield®6 Cover your Citibank Credit Card with CreditShield® and you're covered for the unexpected. CreditShield® covers your monthly Credit Card repayments for up to $30,000 in the case of illness, accident, unemployment or death. It's simple and costs only 70 cents per $100 of your closing balance each month.
To apply, you can sign on to internet banking, go to Account Services, Credit Cards and choose the CreditShield Plus option, or call CitiPhone on 13 CITI (13 24 84), or complete and mail or fax back an application form: CreditShield®
Secure Sentinel7 With one toll-free phone call from anywhere in the world, you can cancel all registered cards in your wallet if it is lost or stolen.
To apply, simply complete and fax back: Secure Sentinel, or call CitiPhone at anytime on 13 CITI (13 24 84).
Secure chip technology is fast becoming the global standard for credit card security. The new technology uses a microchip embedded in your credit card to store your card's data, providing far greater security against card fraud than a magnetic strip.
Our Security Guarantee ensures cover under a range of different circumstances, allowing you complete peace of mind at home and abroad, on-line and off.
A chip credit card features an embedded microchip, which is used to securely store your card's data. The chip is far more secure than a magnetic stripe, making it much harder to fraudulently copy the details of your card.
The chip on your credit card will store the same details that would normally be contained on a magnetic stripe including your name, card number and card expiry date.
During August and September 2008 we will send all our cardholders a new chip credit card. Once you have received your new chip credit card you should activate it straight away and destroy your old card.
No, there will be no additional charges to receive or use your new chip credit card. The normal fees and charges associated with your credit card account will still apply.
No, your existing PIN can be used with your new chip credit card. If you have forgotten your PIN, you can request a new one when you activate your new card.
You can use your new chip credit card in the same way you use your current credit card. However, merchants across Australia will soon begin utilising chip technology, changing the way they process chip credit card transactions. The new process will be as follows:
The merchant will insert your chip credit card into the EFTPOS terminal
Your card will remain in the terminal throughout the entire transaction
You can then choose to sign the receipt or enter your PIN for verification
Once the transaction is complete, the merchant will return your card
Yes, secure chip technology and chip credit cards are fast becoming the global standard in the effort to minimise card fraud. Chip cards are prevalent in both Europe and Asia.
Many countries have now chosen to focus on secure chip and PIN technology, so it is strongly recommended that if you do not know your PIN, you request one prior to travelling overseas. We recommend this because in some countries, a transaction performed with a chip credit card can only be completed with a PIN and not a signature.
My OFFERS is an exciting new feature available to Citibank Online customers. It lets you take advantage of great pre-approved offers you may be eligible for including Balance Transfer deals, Credit Shield and a variety of insurance products.
Simply sign on to Citibank Online and click on My OFFERS to discover the best Credit Card, Mortgage and Deposit options available for you. Or follow the link for ‘More Credit Card Offers’ to learn more about the Citibank Credit Card offers available to you.
MY OFFERS is easy to use. Simply click on any offer that interests you to find out more. If you would like to accept an offer, click on ‘Continue’ and follow the prompts all the way through to ‘Confirmation’.
You can certainly request a higher limit than the one we have offered. To do this, click ‘Select different amount’ - located below the pre-approved limit we have offered - and enter your preferred credit limit.
As you are applying for a Credit Limit that is higher than the one we have offered, we will require additional details about your financial position. These details can be provided on the page that follows your request for a higher limit. We will then assess the information, and if approved, we will process your request within 10 working days.
Each month we refresh the offers on your account. The pre-approved Credit Limit may change based on your account activity including how often you use your credit card, your total purchases and your credit payment history.
You can use your pre-approved Credit Limit within 24 hours of accepting it. However, if you would like to request a limit higher than the pre-approved amount, we will require additional details about your financial position. We will then assess your requested limit and if approved, process your request within 10 working days.
When you accept an upgrade along with an increased credit limit, your increased credit limit will only be available when your new card arrives and you have activated it. You will receive your new card in the mail within 10 working days.
