As per RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, Citi Credit and Debit Cards issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. The cards will be disabled for Online, Contactless and International, transactions to protect against fraud.
In addition, if customers have not used their existing card for online, contactless or international, transactions in the last 3 years (including cards issued or new accounts opened during this period), usage for these purposes will be mandatorily disabled. However, the limits can be setup and the usage can be enabled for any disabled transaction by simply logging into Citibank Online or Citi mobile App and navigating to “Manage Cards”. They can also set the daily usage limit for ATM, POS and Online transactions.
- Why are my international transactions disabled?
We have disabled international transactions for new, upgraded, renewed and reissued cards as per the RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, to prevent potential misuse and fraud on your card. This is also applicable for existing cards that have not been used for international transactions for 3 years (including cards issued or new accounts opened during this period).
To enable international transactions, simply login to Citi Mobile App or Citibank Online and navigate to “Manage Cards”.
- Why are my online/e-commerce transactions disabled?
We have disabled online/e-commerce transactions (international or domestic) for new, upgraded, renewed, and reissued cards as per the RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, to prevent potential misuse and fraud on your card. This is also applicable for existing cards that have not been used for online/e-commerce transactions for 3 years (including cards issued or new accounts opened during this period).
To enable online/e-commerce transactions simply login to Citi Mobile App or Citibank Online and navigate to “Manage Cards”.
- Why are my contactless transactions disabled?
We have disabled contactless transactions (international or domestic) including Samsung Pay for new, upgraded, renewed, and reissued cards as per the RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, to prevent potential misuse and fraud on your card. This is also applicable for existing cards that have not been used for contactless transactions for 3 years (including cards issued or new accounts opened during this period).
To enable contactless transactions, simply login to Citi Mobile App or Citibank Online and navigate to “Manage Cards”.
- How do I enable my card for online, contactless and/or international transactions?
You can enable your card for international, contactless and/or online transactions on our Citi Mobile App or Citibank online:
- Login to Citi Mobile App
- Go to ‘Manage Card’ tab on card summary screen (for credit cards)/savings screen (debit cards)
- Enable International usage or setup limit for Online transactions
Citi Mobile App
Please refer to the demo below for Citi Mobile App (Debit Card):
1.Login to your Citi Mobile App
2.Click on ‘Account Summary’
3.Click on ‘Savings/Credit Card’ (Debit Card, i.e. ‘Savings’ journey highlighted here)
4.Click on ‘Manage Card’
5.Read and accept T&Cs of Manage Card and click on ‘Continue’
6.Unlock international transactions
7.Set your transaction limits
8.Enable or set transaction limits for POS, Online and ATM transactions (in case of Credit Card, you also have the option to set transaction limits for Contactless transactions)
- Click here to manage transaction and set daily limits for your card.
Please refer to the demo below for Citibank Online (Credit Card):
1.Login to your Citibank Online account
2.Click on Banking/Credit Card (Credit Card journey highlighted here)
3.Click on ‘Manage Cards’
4.Unlock International transactions using Quick lock
5.Set your daily transaction limits
6.Set up limits and usage for POS, Online, ATM and Contactless transactions for domestic and international usage
Citibank Online
This feature is available 24*7 every day. You can instantly lock/unlock transactions on your card or even set daily limits for Point of Sale (PoS), online/ecommerce, contactless transactions and ATM withdrawals by logging into Citi Mobile App or Citibank Online and navigating to ‘Manage Card’ functionality on the card summary/savings screen.
- How do I enable my card for online, contactless and/or international transactions?
- Why are my contactless transactions disabled?
Please find below the answers to some of the other FAQs:
- What will happen to existing recurring payments/standing instruction on my card?
For any existing recurring payments/standing instruction on your card, you will need to enable online, ecommerce and/or international transactions.
- I hold two Primary credit cards, do I have to re-set for both the cards?
As mentioned, the effect on existing card transactions are based on past spends (3 years, including cards issued or new accounts opened during this period). For new cards, irrespective of how many are issued (1, 2 or more), all cards will be enabled only for ATM and domestic Point of sale transactions.
- I have received my new/upgraded/reissued card. Will my transaction get approved on the old card for the flags enabled?
Your old card will be active until its expiry date and your new card will get activated 5 days before the expiry of your old card, and will be enabled only for domestic POS and ATM transactions. During the period your old card is active, transactions if enabled, will be processed.
- Will my Standing Instruction/recurring transactions get impacted when I set limits on my card?
Yes, you need to reset the limit as per your preference.
- Can I set the limit for Supplementary credit cards?
No, your Supplementary card limit is under the control of the Primary cardholder. The limit cannot be set, however you can enable/disable your international and or domestic transactions.
- Will there be an alert sent for the changes in limit setting or Quick lock done on the card?
Yes, any customer action will initiate an instant alert.
- How do I change limits on my mandate/add on Debit Card?
Please reach out to our 24*7 CitiPhone helpline on 1860 210 2484 (local call charges apply) or use +91 22 4955 2484 for calling us from outside of India. In light of the current situation, CitiPhone will be available from 9 am to 9 pm for all your banking needs, and 24*7 for emergency services.
- Do the limits on my mandate/add on Debit Card change with reissuance/renewal of my primary card?
No, add on/mandate cards have separate limits and are under the control of your Primary card.
To view step-by-step instructions on how to get started, generate credit/debit card passwords, login online and enable transactions:
Click here (for your Citi Credit Card)
Click here (for your Citi Debit Card)
