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How to activate your card

 

Activating your card

The quickest way to activate your card is through the Citi Mobile® App or Citi Online.

screenshot of the Citi Mobile® App log in page

If you are a first-time user

Once you receive your new card, follow the steps below.

  • Download the Citi Mobile® App
  • Click ‘Activate card’ from the app launch screen
  • Register using your new card number and CVV number
  • From 26 February 2024, if you're a new Ready Credit account holder, you can register using your new card number and government ID such as a driver licence, Medicare number or passport.

View more information about the Citi Mobile® App.

screenshot of the Citi Mobile® App home page

If you already have the Citi Mobile® App

  • Log in to the Citi Mobile® App
  • On the home screen, click 'Activate your new card' under the 'Cards' section
  • Follow the prompts to activate your card. You will need your CVV number to activate.

screenshot of the Citi Online log in page

If you don't have a Citi Online account

You'll need to register and create a Citi Online account to activate your card this way.

Register for Citi Online here >

Follow the prompts to register for Citi Online, activate your card and set up your PIN. You will need your card details and your mobile phone.

screenshot of Citi Online My Profile page

If you already have a Citi Online account

Follow the steps below to activate your card.

  • Log in to your Citi Online account
  • Select 'My Profile' from the 'Services' menu on the top
  • Select 'Card Activation' under the 'My Profile' menu on the left
  • Follow the prompts to activate your card

screenshot of the Citi Mobile® App digital card activation screen

Activate the digital version of your card before your physical card arrives.

If your card is eligible* for digital activation, you can activate and add it to your mobile wallet using the Citi Mobile® App.

  • Log in to the Citi Mobile® App
  • If your card is eligible for digital activation, you will see a pop-up message saying 'Your digital card is available'
  • Click 'Activate digital card' and follow the prompts to activate

Important: Please keep in mind that once your physical card arrives it will still need to be activated. For more information see Digital Card FAQs >

*Digital card activation is currently only available for existing Citi customers applying for the Citi Rewards Card and new and existing Citi customers applying for Citi Ready Credit. Check back here for future updates as we will continue to make more cards eligible for digital activation.

Getting started


Add your card to a digital wallet*

screenshot of the Citi Mobile® App credit card management dashboard

Add your card to Apple Pay

Apple Pay is a secure, safe and contactless way to pay in-store and online.
You can add your card to Apple Pay by following these steps.

  • Log in to the Citi Mobile® App
  • Tap the 'Profile and Settings' icon on the top left
  • Go to 'Cards / Accounts' section under 'Financial Settings'
  • Choose your card from the 'Cards' tab
  • Click on the 'Use with Apple Pay' section and follow the prompts to add your card to Apple Pay.

For more information, go to Apple Pay.

Samsung Pay

Samsung Pay

Samsung Pay lets you use your compatible Samsung device to securely pay with your Citi card in store and within apps.

To add your card to Samsung Pay follow the steps below:

  • Download the Samsung Pay app
  • Sign in using your Samsung Account
  • Set up your fingerprint for authentication
  • Take a photo of your card and enter in the remaining required details
  • Enter in the unique code sent to you via SMS

Find out more about Samsung Pay.

Google Pay is an easy and secure way to pay using your AndroidTM phone or compatible smartwatch. Once you've completed the set up process, you'll be able to use Google Pay where contactless payments are available, or where the Google Pay logo appears online.

Google Pay

For more information visit Google Pay or Google Pay FAQs.


screenshot of the Citi Online Card Services screen

Adding an additional cardholder

You can share your card with up to 4 additional cardholders (16+ only).

To apply for an additional cardholder, follow the steps below:

  • Sign on to Citi Online
  • Select 'Card Services' from the 'Services' menu located in the top menu bar
  • Click 'Apply for New Card' from the left-hand menu, then select 'Additional Cardholder'
  • For security, you’ll be asked to enter a One-Time PIN that will be sent to your mobile phone before you can make the change.
  • Complete all required fields in the online application form to submit your request.

Important: The additional cardholder must activate the card and they will need their mobile number to do so. Please make sure you provide the additional cardholder's mobile number when you apply for the card.

Changing your card PIN

screenshot of the Citi Mobile® App credit card management dashboard highlighting the card PIN function

To change your card PIN, follow the steps below.

  • Log in to the Citi Mobile® App
  • Tap the 'Profile and Settings' icon on the top left
  • Go to 'Cards / Accounts' under 'Financial Settings'
  • Select your Card from the Cards tab and click on 'Reset PIN'

(You don't need to know your current card PIN to change it).

screenshot of the Citi Online My Profile screen

To change your card PIN follow the steps below.

  • Log in to your Citi Online account
  • Select 'My Profile' from the 'Services' menu located in the top menu
  • Under the 'My Profile' menu on the left, click on 'Change ATM PIN'
  • Follow the prompts to change your PIN. For security, you’ll be asked to enter a One-Time PIN that will be sent to your mobile phone before you can make the change.

Getting the most out of your card

Explore all credit card benefits >

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Get rewarded for making everyday payments on your card

Pay and earn Points using your Citi Credit Card with Citi PayAll.1 You can earn Points on regular payments including rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more.

You can set up Citi PayAll1 using the Citi Mobile® App.

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Complimentary mobile phone insurance

Complimentary mobile phone insurance is available for Citi credit card holders who pay their Monthly Mobile Plan with an eligible Citi credit card. T&Cs apply.*

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Instalment plans

With a Citi instalment plan, you can turn your big expenses into monthly repayments at a fixed interest rate over a set term.

Frequently asked questions

Related help guides

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or stolen card

View help guide >

How to read your
credit card statement

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How to register
for Citi Online

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Help and support

Explore our online help guides and learn more about our products and services.

Visit help and support >

Useful forms and links

See additional resources for our products and services that will help you set up and use your account.

Explore useful forms and links >

Support services

We are here to help you through difficult financial or personal times.

Explore support services >

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