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Your credit card just got better with
the Citi Mobile® App experience.

It's quicker, it's easier to use, and it's the app that's all about you.

We are working hard to create the best banking app, starting with our credit card services. Enjoy control of your card matters, whenever or wherever you are.

We will soon be extending this experience to more of your banking products.

Now, find out what makes managing your credit cards so fast and simple.

Overseas usage
Citi Mobile Token

View your balances, transactions, statements and available credit limit right under your personalised card images.

Get the lowdown on your card benefits and offers, while keeping track of your reward points - all in one place.

View and download your last 12 months' statements.


Activate your new card and create your Card PIN in less than one minute.

Conveniently pay your bills on-the-go.

Can't remember how much you spent? Type in the merchant's name and our intelligent search quickly shows you the exact transaction.

Big Purchases
Get cash

With just a few taps, eligible customers can convert big retail purchases into an instalment plan* at a lower rate over a term that works for them.
Please note: If a Monthly Instalment isn’t made by the Payment Due Date, the instalment amount will be charged at the retail purchase rate. If your account is overdue, we reserve the right to cancel all Fixed Payment Options~.

With just a few simple taps, eligible cardmembers can take cash loans on their credit cards, which can be repaid in monthly instalments. It is paperless, hassle-free and application outcome is instant.

Citi Mobile Token

Forgot your Credit Card PIN? Create a new one securely so you can withdraw as you need.

Misplaced your credit card? Temporarily lock it to prevent misuse. Found it? Unlock your card with a tap.

Authorize your transactions in-app, with an Unlock Code known only to you.

Screens shown are for illustration purposes only. Please refer to the Citi Mobile® App for actual and accurate screens.


How do I see this new experience?

If you only hold a Citi credit card, you will be able to experience it once you login. If you hold multiple products, you will need to tap on the credit card balance on the account summary page after you log in in order to be taken to the new experience.

Why has the design on my mobile banking app changed?

Over the past 10 months, we gathered your feedback and began creating a mobile banking app that truly places you first.

With your complex banking needs in mind, our new interface has been crafted around three value propositions: Personalization, Contextual, and Fast.

So this new interface promises to serve you better and empower you with a great mobile experience.

What can I do with this new interface?

We've made it really simple for you to manage your credit card:

  • Activate a new credit card to start using it to shop immediately
  • Setup your ATM PIN to enjoy cash withdrawals at ATMs
  • Pay your credit card bills
  • Lock (and unlock) your card temporarily in case you have misplaced it

We'll keep improving! Stay tuned for more features to follow.

How secure are the transactions I make with this new interface?

Your security is always our priority. All our services are rigorously and regularly tested before and after new version releases.

Rest assured that any transaction you make with our new interface is as secure as the rest of our banking platforms.

Can I make purchases if my Visa or Mastercard isn't active?

No, you will not be able to make purchases. This includes online transactions made over the internet and within apps.

Can I withdraw cash if my Visa or Mastercard isn't active?

No, you will not be able to make ATM cash withdrawals until you have activated your credit card.

What if I have locked my card/s? Will I still be able to transact on my card?

No, however, recurring bill payment instructions (i.e. direct debits) may continue to be processed until you inform the merchant otherwise.

Please Note: You will still be able to use the locked card to pay any bills outstanding Citibank accounts under your name.

Will I be able to use my card immediately after successfully activating it?

Yes, you will be able to use your card immediately upon successfully activating it. We may also send you an SMS confirming that the card has been activated.

If my Citibank Credit Card or Ready Credit ATM Card is locked, will I still be able to log in to Citibank Online? What online functions can I still access if my card is locked?

Yes, you will still be able to log in to Citibank Online. You may access all available functions except for Payment/Transfers.

If it's my first time enabling for Notifications, will I still be receiving SMS alerts?

When you sign up for Notifications, SMS alerts you currently receive will be automatically replaced. These include:

  1. 1. Transaction alert (Send notifications when a transaction is made that is equal to or greater than the specified amount)
  2. 2. Balance has exceeded the credit limit (Send notifications when credit limit is exceeded)
  3. 3. Payment Due (Send a notifications 7 days before bill payment is due)
  4. 4. Payment Received (Send notifications when a payment to Credit Card or Loan accounts has been received)
  5. 5. Statement notification (Send notifications when statement is available to view online)

To manage your SMS delivery settings, please log in to Citibank Online

If I want to receive my alerts via SMS and Notifications, what should I do?

If you have already enabled Notifications, you can also enable SMS alerts. Simply log in to Citibank Online and follow this path: Services > My Profile > Citi Alerts > Enrol In / Manage Alerts > Edit Alerts > Choose the alert you wish to receive via SMS.

Besides SMS and Notifications, can I also receive alerts via email?

Yes. Simply log in to Citibank Online and follow this path: Services > My Profile > Citi Alerts > Enrol In / Manage Alerts > Edit Alerts > Choose the alert you wish to receive via email.

I have changed my mobile phone. Will I see my past Notifications on my new mobile phone?

No, notifications sent on an old mobile phone will not be shown on the new mobile phone.

Why am I unable to enable Notifications on my secondhand mobile phone?

This happens when the previous owner is a Citibank customer who has not disabled his/her Notifications on this mobile phone. Notifications are paired only to one user at any one time. To enable Notifications for yourself, delete and reinstall this app.

I lost my mobile phone. How can I disable Notifications?

There are two ways you can do it:

  1. 1. Enable Notifications on your new phone
  2. 2. Call CitiPhone Banking at 13 24 84 (or +61 2 8225 0615 if calling from overseas)

How do I disable Notifications before I sell my mobile phone?

Simply log in to this app and follow this path: Settings > Notifications > Disable Notifications

Why can't I receive Notifications in China?

If you are using an Android mobile phone, you will not be able to receive Notifications in China. iPhone users will still be able to receive Notifications.

Why did I suddenly stop receiving Notifications?

There may be a few reasons:

  1. 1. Your mobile phone is not connected to WiFi or mobile data networks
  2. 2. Your Citi Mobile® App is deleted
  3. 3. Your Citi Mobile® App is not upgraded with the latest version
  4. 4. Your Notifications are disabled
  5. 5. You have downloaded Citi Mobile® App and enabled Notifications on other mobile phones

What is Citi Mobile® Token ?

Citi Mobile® Token allows you to secure your transactions without having to rely on SMS (except updating Unlock Code). Please note that Citi Mobile® Token can only be used with this app and is paired only to one device.

What are the benefits of Citi Mobile® Token?


Protected by a 4-digit Unlock Code chosen by you, and restricted to one mobile device of your choice.


Enter your Unlock Code to instantly authenticate your transactions initiated in this app. No more waiting for SMS OTPs or worrying about misplacing your Online Security Device.


Authenticates all online transactions such as payments and transfers, adding a new payee, and updating your contact details. It also generates OTPs for online purchases.

I lost my mobile phone. How do I disable Citi Mobile® Token?

  1. There are three ways to do it:

  2. 1. Log in to your Citibank Online account and follow this path: Services > My Profile > De-activate Citi Mobile® Token.

  3. 2. Enable Citi Mobile® Token on another mobile device. Citi Mobile® Token will automatically be disasbled on the mobile phone you lost.

  4. 3. Call CitiPhone Banking at 13 24 84 (or +61 2 8225 0615 if calling from overseas)

I have a new mobile device. How do I enable Citi Mobile® Token?

Simply enable Citi Mobile® Token on your new mobile device, Citi Mobile® Token will be automatically disabled on the previous device.

I have entered my 4-digit Unlock Code incorrectly three times (or more). What can I do if I'm unable to proceed?

For assistance, please call your Relationship Manager or CitiPhone Banking at 13 24 84 (or +61 2 8225 0615 if calling from overseas)

Can I use the Citi Mobile® Token in my old mobile device after enabling Citi Mobile® Token in my new mobile device?

No, you will not be able to generate OTPs on the previous device. For security reasons, you can register for Citi Mobile® Token on one device only. If you have enabled Citi Mobile® Token on a new device, it will be automatically disabled in the previous device.