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 click here for general Tips and Advice about managing Credit Cards. For general enquiries you can browse through our Online Service Desk, email us, or call us anytime on 13 24 84.
Important notice for Platinum Cardholders opted in to Citibank Qantas Rewards: Effective from 1 April 2012, you will earn 1 Qantas Frequent Flyer point for every $2 spent on your Platinum card. You will continue to earn 1 Qantas Frequent Flyer point for every dollar spent on your Platinum card until 31 March 2012.
Please note Qantas earn rate on Citibank's Signature and Select Credit Cards will continue to be 1 Qantas Frequent Flyer point for every $1 spent.
For more information, visit citibank.com.au/qantaschanges.
Just received your new Citibank Credit Card? Here's how to get started.
Once you receive your new Citibank Credit Card, you'll need to call CitiPhone on 13 24 84 to activate your Card.
Citibank Online is a simple and secure way to track your balances and transactions, pay your bills or redeem your points. Register for Online Banking here.
Go green and register to receive your monthly statement electronically, with an email notification. Find out more about e-Statements here.
To be updated with exciting new offers and benefits by email and SMS, simply update your preferences under 'Edit Profile'. Sign on to Citibank Online here.
In an emergency, please us on 13 CITI (13 24 84). If you are overseas, call CitiPhone free of charge on
+61 2 8225 0615. Please ask the operator to Reverse Charge the call. Learn more about contacting us here.
Credit can be very useful: letting us buy the things we want in life sooner, helping us to manage our cash flow, and it can be especially useful in emergencies. However, credit is also a big responsibility; it should be used wisely. Using credit to spend beyond your means can lead to unmanageable debt and serious financial trouble. The more you know about credit-how it works and how to use it effectively-the easier it is to use this powerful tool wisely. Learn more about Using Credit Wisely here.
By combining local expertise with the strength of Citibank's worldwide consumer banking network, Citibank also offers a leading range of financial services products, including transaction and savings accounts, foreign currency deposits, investments, mortgages and insurance. Learn more about the products and services Citibank offers here.
Visa payWave is the latest in secure, contactless technology. For transactions under $100, just wave your Visa payWave-enabled card in front of a Visa payWave reader and go - there's no need for a signature or PIN. If you would like to know more about Visa payWave click here.
MasterCard PayPass is the fast, convenient and secure way to pay when you're on the go. To make sure PayPass transactions are as simple and convenient as cash, a signature or PIN is not needed for transactions below $100. For purchases of more than $100, you'll be asked to sign or enter your PIN just as you would for any other MasterCard transaction. If you would like to know more about MasterCard PayPass click here.
Your Citibank Credit Card is easy to manage with our simple service options. Here's some useful information that you may need.
Make sure you're getting the best out of your Credit Card features and benefits. View the full details of your Credit Card here.
You can manage your account with two easy options - available at anytime, 24 hours a day, seven days a week.
Access and manage your accounts at any time that suits you with Citibank Online. Learn more about Citibank Online here.
CitiPhone Telephone Banking
You can also manage your accounts using CitiPhone Telephone Banking, available 24 hours a day, seven days a week. Learn more about CitiPhone services here.
Learn more about your statement and how to read it, as well as the benefits of eStatements and how to register for them here.
You can make a funds transfer from 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.
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 slip (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:
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.
You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and these payments 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 office 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.
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.
Download Credit Card Easi-Pay application form (Adobe PDF, 179 KB)
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.
How is my minimum payment calculated?
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 1% 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.
What happens if I miss a repayment?
Citibank will charge you a late fee. Click here for details of the Fees and Charges. This fee can easily be avoided by ensuring that you pay your Citibank Credit Card minimum due on or before the due date. This information can be found on your monthly statement.
For Citibank Credit Cards with Interest Free Days, if you do not pay the full closing balance of your statement on or before the due date, then you will lose your interest free days and interest will be charged on each purchase from the date it was made.
To assist you with timely payments, Citibank has a facility called Easi-Pay that will automatically pay your monthly Credit Card bill from your nominated bank account. Download Credit Card Easi-Pay application form (Adobe PDF, 507 KB).
For more information and to apply for Easi-Pay, please call us on 13 24 84 or sign on to your online banking account.
You can make cash withdrawals from your Citibank Credit Card account via:
Accessing your accounts is easy with a Citibank Credit Card and your ATM PIN. With over 20,000 ATMs around Australia and more than 820,000 worldwide, you can do your banking anytime, anywhere.
Citibank customers enjoy access to the second largest bank ATM network in Australia free of direct charges. Citibank customers pay no ATM direct charge fees at over 2,500 Westpac-branded, St.George^ and BankSA ATMs nationwide.
You can withdraw cash up to $1,000 per day at any ATM that displays the VISA or MASTERCARD symbol. When overseas, you can also access cash from any ATM that displays the Plus, Star or NYCE symbols.
Use of your Citibank Credit Card to withdraw Cash from an ATM will attract a Cash Advance Fee. If the ATM is located overseas additional Foreign Currency Exchange Fees will also apply . Citibank has developed fee guides to help you understand when a fee is charged on your Citibank account and tips on how to avoid them. You can visit our Fees and Charges page to view and download a copy of these guides.
Find out more about ATM direct charging.
To find your nearest direct charge free ATM, visit ATM Locations.
You can also use Findmyciti.com to search for a Citibank ATM, branch or Citigold Centre anywhere in the Asia-Pacific region.
^Excludes St.George-branded ATMs at BP station outlets throughout Australia.
2. Over the counter
You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citi Credit Card and ATM PIN will be required. Fees and charges may apply.
Your Citibank ATM PIN (Personal Identification Number) can be used to:
1. Make a Cash Withdrawal
Cash Withdrawals of up to $1000 per day can be made at over 20,000 ATMs around Australia and more than 820,000 worldwide, at any bank in the world that displays the VISA or MasterCard logo (note photo identification is also required).
2. Make a Transaction at an EFTPOS Terminal
All Citibank Credit Cards are issued with an embedded micro chip , which is used to securely store your card's data. The chip is far more secure than a magnetic strip, making it much harder to fraudulently copy the details of your card. This chip also gives you the option to either sign the receipt or enter your PIN for verification when making purchases at an EFTPOS terminal.
Many countries, such as New Zealand, China and Europe, including the UK, Ireland, France and others, have recently introduced a chip and pin payment system. In some of these countries transactions performed with a chip Credit Card can only be completed with a PIN and not a signature. For this reason we strongly recommended that if you do not know your ATM PIN, you request one prior to traveling overseas.
How to request a new ATM PIN ?
All cardholders are issued a PIN with their Citibank Credit Card, however, if you have forgotten or misplaced your PIN, call us and we'll be happy to issue you with a new one today. Call CitiPhone Banking on 13 24 84 .
How to change your existing ATM PIN?
If you have received an ATM PIN but want to change it to a number you can more readily remember you can do this via Online Banking.
- Simple Log Onto Online Banking - Note that you will need to use the Online User ID and Password specific to the Citibank Credit Card that you wish to change the PIN for.
- Select 'Edit Profile and Preferences' - This is located above the sign out button
- Select 'Change ATM PIN' and follow the prompts.
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.
A balance transfer involves transferring the existing balance(s) on your current credit(s) to a new Citibank Credit Card. It can mean big savings by reducing the interest charges on your existing card balance - along with streamlined card management. Learn more about balance transfers here.
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. View further information on disputing a transaction.
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.
You are able to make changes to your account, such as applying for additional accounts, upgrading your existing Credit Card or updating your contact details and preferences. Sign on to Citibank Online to make changes to your account here.
Convenience for your family - More reward points for you
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 Credit Card, and any transactions made using these cards will be separately itemised on your card Statement, making it easy to manage your finances. Your Additional Cardholder will also be able to benefit from all the same benefits and privileges as your own Citibank Credit Card. If you need a reminder of what these benefits are visit the About My Card Page.
Perhaps the biggest advantage of giving family members a Citibank Credit Card is the ability to top up your reward points more quickly. Because every time a family member uses their card on a retail purchase, they'll earn Citibank reward points, which contribute to your account.
A win win for everyone! - It's hard to think of a better way to provide your family with a great Credit Card and at the same time multiply your reward points.
Who can be an Additional Cardholder?
You can nominate anyone to be an Additional cardholder however they must be over the age of 16.
If there is an annual fee attached to any of my additional cards, when will it be billed to me?
The Additional Cardholder's annual fee is charged on the account's Anniversary date, along with the Primary Cardholder's annual fee. For details of the Additional Cardholder Annual Fee applicable to your Citibank Credit Card please visit the Fees and Charges Page.
What will the Additional cardholder be able to do?
Your Additional Cardholder will be issued with their own Citibank Credit Card. This card will have a different number than yours, allowing you to track their expenditure separately on your statement. You as the Primary Cardholder however remain liable for all transactions incurred on the account
Under the Privacy Act, and in accordance with our Terms & Conditions, we are limited as to the information we can give Additional Cardholders.
Only you the Primary Cardholder can do the following :
- Accept or Request Credit limit increases or Upgrades
- Close the account
- Conduct online Rewards Redemptions (Note: they can redeem reward points via our Rewards Call Centre)
- Update account information
- Setup/amend/cancel Easi-pay.
Applying for an Additional Card is easy. Simply choose one of the following options.
Online : Sign on to Internet Banking, go to Account Services, Credit Cards and choose the 'Additional Card' option.
Over the phone : Call CitiPhone on 13 CITI (13 24 84)
Complete and mail/fax back the Additional Card Application Form: (applicable for any type of Citibank Credit Card).
Once I have requested an Additional Card/s where does the Additional Card/s get sent?
The cards will be sent to your address (as the Primary Cardholder) but to the attention of your nominated Additional Cardholder.
How long will it take to get the Additional Card/s sent to me?
Your Additional Card/s will be sent to you within 7 to 14 days after your request is received. You or the nominated Additional Cardholder can call up to activate the card.
How to Apply:
- Sign on to internet banking, go to 'Account Services', then 'Credit Cards' and choose either Gold or Platinum Upgrade option, or
- Call CitiPhone on 13 CITI (13 24 84), or
- Complete and mail or fax back an application form.
All upgrades are subject to Citibank's credit criteria. Please allow 5-10 working days for us to assess your application.
How long will it take to get my new Citibank Credit Card?
Your new Citibank Credit Card will be sent to you 7 to 14 days after we receive your request.
Can I continue to use my Existing Citibank Credit Card?
While your credit card is being upgraded/switched , a grace period exists where transactions on the existing credit card will be debited to the new credit card. During this grace period only retail and telephone purchases can be made. BPAY, Citibank Online, Cash Advances and ATM transactions will not work.
How will this affect my Annual Fee?
As your New Citibank Credit Card may have a different Annual Fee than your existing Citibank Credit Card a prorata charge will be made.
I have an Additional Cardholder will this Card be automatically Upgraded or Switched?
Yes - any Additional Cardholders will be automatically issued with a new Citibank Credit Card.
Will my existing reward points be transferred?
Yes. They are automatically switched over when your new Citibank Credit Card is opened, as long as the new Citibank Credit Card is eligible for Citibank Rewards. If you have decided to switch to a Citibank Credit Card that does not have Citibank Rewards as a feature then your Rewards Points will be forfeited. Note that if the card offers a different rewards program (e.g. Citibank Emirates Rewards) we will be unable to transfer your points across.
What will happen to my direct debits?
If you have authorised a company to automatically charge your Credit Card each month (e.g. electricity, telecommunications) you will need to advise them of your new card number. If you have authorised Citibank to direct debit your savings/cheque account to pay your existing Citibank Credit Card (known as Easi-Pay), this authorisation will automatically transfer to your new Citibank Credit Card.
What should I do with my existing Citibank Credit Card?
Once you have received and activated your new Citibank Credit Card simply cut up your existing one and start using your new Card straight away.
I have CardProtect3 on my existing Citibank Credit Card will this apply to my new Citibank Card?
CardProtect will automatically transfer to the new account (plus premiums where payable will automatically transfer to the new account).
After owning your Citibank Credit Card for 9 months, you can request an increase in your credit limit.
How to Apply:
- Sign on to internet banking, go to Account Services, Credit Cards and choose the Credit Limit Increase option, or
- Call CitiPhone on 13 CITI (13 24 84), or
- Complete and mail or fax back the application form: Credit Limit Increase.
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).
How do I decrease my credit limit?
We understand your circumstances may change and you may need to decrease your credit limit*. You can request a decrease on your Credit Limit through one of the following ways;
- Over the phone call CitiPhone on 13 CITI (13 24 84)
By mail please address letter to the following address:
Attention: Unsecured loan processing
PO Box 1625
Sydney NSW 2001
- Online simply login to Citibank Online and click the mail icon to send us a secure email.
*Please note - the credit limit cannot be any lower than the product minimum.
Citibank will charge your annual primary cardholder fee to your account on first use of your account, including when you activate your card, and then on each anniversary of the date Citibank approved your account.
If you have additional cardholders on your account, your annual additional cardholder fee will be charged to your account when the additional card is issued, pro rata up to the next anniversary of the date on which your account was approved and then payable with the annual fee.
You enjoy up to 55 days interest-free on all purchases, providing you repay the balance of your card in full each month, on or before the due date. Interest-free periods are not applicable for any cash withdrawals, balance transfers or bank cheques. These transactions incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). Interest is charged on retail purchases if the statement's full closing balance is not repaid by the due date.
Below are a range of frequently asked questions which we hope will provide you with the information, you seek around our complimentary Rewards Program. If you require more information please contact us via email or call CitiPhone on 13 24 84.
There are no joining or ongoing fees for the Citibank Rewards program. You are automatically enrolled when your card is activated.
Sign on to Citibank Online and click on 'change my contact details' on the 'my home' page.
Yes you can use your points to pay your annual fee. Once your annual fee appears on your Credit Card statement you can redeem your points for the annual fee and we will credit your card with the relevant amount. You can even pay your Additional cards' fee using this method.
You can find out how many reward points you have in the following ways, you can:
- Log onto citibank.com.au/rewards
- View on the Citibank Mobile App
- Call CitiPhone on 13 CITI (13 24 84);
- View your monthly statement.
No. Your reward points do not expire as long as your account is open and operated in accordance with the Terms and Conditions.
Yes, if you upgrade from a Citibank Rewards Credit Card - Classic to a Rewards Platinum or Signature, your points will be automatically transferred to your new card. Your points will show on your next Credit Card statement.
Yes. You can transfer your reward points to another cardholder who is an immediate family member. Citibank requires this request to be in writing. Simply mail to Citibank Rewards, Locked Bag EDGECLIFF, NSW 2027 or fax to 1300 667 060.
Yes. The maximum number of reward points that may be awarded to each account in any period of 12 months beginning from the day you were enrolled in the Reward program:
You can sign on and view your points summary on the rewards section of the site. If you still have a question you can send us an email with your question or please call 13 CITI (13 24 84). You have up to 6 months to query your points.
Your reward points balance is updated every working day. To check your reward points balance at any time by following the below steps:
- Visit www.citibank.com.au/rewards
- Sign on for internet banking
- In the left hand navigation, in the Jump To drop down menu, select "Rewards"
- In the left hand navigation, select "Redemption Activity"
- You will be able to see your redemption history as well as your points balance on the top right hand corner.
Call CitiPhone on 13 CITI (13 24 84)
View your monthly statement.
You are able to redeem your points online at www.citibank.com.au/rewards. Choose the items that you would like to redeem for, sign on for internet banking and confirm the redemption. You are also able to redeem your rewards by calling 13 CITI (13 24 84) however an additional redemption of 2,000 points will apply to all phone redemptions. Make sure your day time delivery address and phone number are up to date in our system so that we can ensure your rewards arrive quickly. It may take up to 28 days for delivery.
You and your first additional cardholder authorised by you can redeem your reward points. Additionally, you are able to give permission for other additional cardholders to redeem rewards on the Reward Profile page after you log into www.citibank.com.au/rewards.
You can redeem your rewards points for vouchers, cashback, and a wide range of merchandise. You can even use your points for travel with our online booking service. With Citibank Take Flight you can book, search and compare flights and accommodation all in the one place. For more information visit www.citibank.com.au/takeflight and make sure you check out our last minute specials!
Merchandise is updated each quarter and last minute specials for Citibank Take Flight are updated on a more regular basis.
Yes. You can use the Fast Track (Points Plus Pay) facility that allows you to combine points and a dollar amount to redeem a Reward. The additional dollar amount is simply debited to your Citibank Rewards Credit Card.
Most rewards will need to be signed for so we recommend you provide us with a daytime delivery address when confirming your rewards redemption. We cannot deliver to PO Boxes but are happy to send it to your business address. If you change your delivery address for the reward it will not change where your statements are being sent.
No. Reward points cannot be used to pay the freight cost. Freight will be charged to your Citibank Rewards Credit Card.
You can access your Reward points balance and view rewards items by selecting the Rewards button on the home screen of the Citibank Mobile App.
Simply visit the App Store or Google Play™ store and search for 'CitibankAU' to download the Citibank Mobile App.
Yes. You can view your Reward points balance through the mobile app; however you must be signed in to do so.
Yes. The Mobile App gives you the ability to search for reward items by category, keyword or product code, redeem reward points, and check your redemption history.
No. You can view rewards items without being signed into the app. You will however be prompted to sign in before processing a redemption.
Yes, the mobile app does support Points Plus Pay. If the Points Plus Pay option is available for the product you want to redeem, select the Points Plus Pay option and proceed with your redemption. Note: Not all products support the Points Plus Pay option.
Citibank Qantas Rewards
If you're a Citibank Rewards Credit Card - Platinum, Signature or Select cardholder you can enrol in the Citibank Qantas Rewards program by calling CitiPhone on the numbers below:
|Signature||1800 818 008|
|Select||1800 782 948|
You need to be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citibank Qantas Rewards. It is also important that your name on your card must match the name on your membership account. Your rewards balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take up to 28 business days for the points to appear in your Qantas Frequent Flyer membership account.
Your points can only be credited to the Qantas Frequent Flyer's membership account in the account holder's name.
Once enrolled in the Citibank Qantas Rewards program, you can only redeem, under automatic redemption for Qantas Frequent Flyer Points.
MY OFFERS is a feature available to Citibank customers who have registered for online access through our secured website. It lets you take advantage of exclusive offers you may be eligible for including credit limit increases, balance transfers, Credit Card Insurance and a variety of insurance products. To register for online access visit www.citibank.com.au.
Simply sign on to Citibank Online and click on MY OFFERS to discover the best Credit Card, Mortgage and Deposit options available for you. Alternatively, you can 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'.
Yes, you can accept more than one offer at a time. You may accept any number of offers listed on the MY OFFERS page of your online account or any offer discussed with our Customer Service Officers.
If you have been a Citibank customer for 9 months, you can apply for a credit limit increase. These requests are subject to Citibank's credit criteria and your existing account being in good order at the time of processing and provided you have not accepted a credit limit increase in the last 6 months.
Currently no fees are charged for a credit limit increase. However, for every $1,000 of additional credit an additional repayment of $30 is required if the credit is fully utilised.
You can use your new credit limit within 24 hours of accepting it. However, if you would like to request a limit higher than the credit limit proposed, or if your financial circumstances have changed, we will require additional details about your financial position and your credit limit increase request will be subject to a credit assessment and verification of the information you have provided to us, to ensure the additional credit is suited to your financial circumstances.
Once your Credit Limit Increase request is approved, we will get back to you within 7-10 working days to confirm your new credit limit. Once you receive this confirmation, your new credit limit will be available within 24 hours.
Protect Your Card
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, seven 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.
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.
If any items are lost, stolen or damaged within 3 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, Clear Platinum, Select, Emirates and Citibank Platinum.
Emergency Card Replacement2
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.
CardProtect provides easy, low cost insurance cover to assist you in meeting your regular monthly repayments on your Citibank Credit Card account in the event of:
- your total and temporary disablement;
- your redundancy/resignation; or
- a listed life event.
CardProtect also pays the outstanding balance on your Credit Card up to a maximum of $50,000 in the event of your death, or up to $100,000 if death is as a result of an accident.
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).
In an emergency, contact CitiPhone immediately on 13 CITI (13 24 84) if in Australia, or if overseas call CitiPhone on +61 2 8225 0615.
Secure Chip Technology and chip Credit Cards
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 strip, 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 strip including your name, card number and card expiry date.
All new Citibank Credit Cardholders will automatically be issued with a chip credit card. All existing Citibank Credit Cardholders were issued with a new chip credit card in August and September 2008. If you do not have a chip credit card please call 13 24 84 to request a replacement card. Please note that when your existing Credit Card expires you will automatically be sent a replacement card that will have a chip.
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.
Your recurring payments will continue to function as they do today. Your chip credit card will not impact them in anyway.
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, in Australia you will still be able to use your card by swiping the magnetic strip at an EFTPOS terminal.
Yes. There is no change to the way you use an ATM in Australia or overseas. Simply continue your ATM banking requirements as usual.
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.
- Purchase Cover is underwritten by Zurich Australia Insurance Limited(ABN 13 000 296 640 AFSL No. 232507), 5 Blue Street, North Sydney, NSW, 2060, and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance with Citigroup Pty Limited. Cover includes most items unless specifically excluded in the Policy of Insurance. As these services are provided by third parties, Citibank accepts no responsibility for their availability, quality, use or the result of any medical, legal or transportation facilities. Please refer to the Terms and Conditions for a full explanation of cover and exclusions. Download the Policy for Classic Card Purchase Cover Terms and Conditions; Gold Card Purchase Cover Terms and Conditions; or Platinum Card Purchase Cover Insurance Terms and Conditions.
- Emergency Card Replacement - Terms and Conditions apply.
- The issuers of CardProtect are AIA Australia Limited ABN 79 004 837 861AFSL No. 230043 and Great Lakes Reinsurance (UK) PLC ARBN 127 740 532ABN 18 964 580 576 AFSL No. 318603. The distributor is Citigroup Pty LimitedABN 88 004 325 080 AFSL No 238098. This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if the policy is right for you.
- Citibank's Secure Sentinel Service is provided by Secure Sentinel Pty Ltd (Secure Sentinel), part of the Vero Group (ABN 53 0054 235 157).