Citi Bank Card Payments
Citi Bank Card Payments
Citi Bank Card Payments
The Most Important Terms and Conditions (MITC) are to be read and understood in conjunction with the Citi
Credit Card Member Terms and Conditions (Card Member T&Cs) and Product-specific Terms and
Conditions as communicated on www.citibank.com/india. This card is issued by Citibank, N.A, India.
1.Fees and Charges
a. Schedule of Charges:
Annual Fees for Primary and Add on Cards
Cards Applicable Details
All Citi Credit Cards: Citi Cash Back Credit Card,
Citi Rewards Domestic Credit Card, Citi Rewards
International Credit Card, First Citizen Citi Credit Card, Annual fees and joining fee for primary and
IndianOil Citi Credit Card, CitiBusiness IOC Credit Card, additional card(s) are communicated at the
CitiBusiness Credit Card, Paytm Credit Card, IKEA time of sourcing.
Family Credit Card by Citigroup, Citi PremierMiles Credit
Card, Citi Prestige Credit Card, Citi Corporate Card
Other Fees and Charges
Description
Cards Applicable Details
of Charges
Citi PremierMiles Credit Card, Citi Prestige 2.0% on the billed amount withdrawn*1, subject
Credit Card, Citi Corporate Card to a minimum of ₹300.
Citi Cash Back Credit Card, Citi Rewards
Domestic Credit Card, Citi Rewards
GCG/CONSOLIDATED MITC AND SOC/06-22
Cash International Credit Card, First Citizen 2.5% on the billed amount withdrawn*1, subject
Advance Citi Credit Card, IndianOil Citi Credit Card,
Fees to a minimum of ₹500.
CitiBusiness IOC Credit Card, CitiBusiness
Credit Card, Paytm Credit Card,
IKEA Family Credit Card by Citigroup
Citi PremierMiles Credit Card NIL for statement balance up to ₹2000
Citi Prestige Credit Card ₹100 for statement balance above ₹2000
2.75% - payments overdue by up to 29
days (applicable from Payment Due Date &
minimum of ₹ 200)
Citi Corporate Card
4.50% - payments overdue by 30 days or
Late more (applicable from Payment Due
Payment Date & minimum of ₹ 200)
Charges
Citi Cash Back Credit Card, Citi Rewards NIL for statement balance up to ₹2000
Domestic Credit Card, Citi Rewards ₹600 for statement balance above ₹2000
International Credit Card, First Citizen Citi and up to ₹7500
Credit Card, IndianOil Citi Credit Card,
CitiBusiness IOC Credit Card, CitiBusiness ₹950 for statement balance above ₹7500
Credit Card, Paytm Credit Card, IKEA Family and up to ₹15000
Credit Card by Citigroup ₹1300 for statement balance above ₹15000
Citi Corporate Card NIL
Citi Cash Back Credit Card, Citi Rewards
Domestic Credit Card, Citi Rewards
Over International Credit Card, First Citizen Citi
Credit Credit Card, IndianOil Citi Credit Card, 2.5% of the amount (excluding fees, charges and
Limit CitiBusiness IOC Credit Card,CitiBusiness taxes) over the credit limit, subject to a minimum of
Charge*2 ₹500.
Credit Card, Paytm Credit Card, IKEA
Family Credit Card by Citigroup,Citi
PremierMiles Credit Card, Citi Prestige
Credit Card
Citi PremierMiles Credit Card, Citi Prestige
Returned ₹350 per returned payment
Credit Card, Citi Corporate Card
Payment
Charge Citi Cash Back Credit Card, Citi Rewards
(Cheque/ Domestic Credit Card, Citi Rewards
ECS/ International Credit Card, First Citizen Citi
ACH/SI Credit Card, IndianOil Citi Credit Card, ₹500 per returned payment
bounce CitiBusiness IOC Credit Card, CitiBusiness
charge) Credit Card, Paytm Credit Card, IKEA
Family Credit Card by Citigroup
1% (+GST) fuel transaction charge (or surcharge) is
Fuel
levied by the merchant's Bank. This will be reversed
Transaction All Citi Credit Cards
(1% + GST) at authorized IndianOil Corporation
Charge
outlets only for transactions greater than ₹10^
Railway
ticket
All Citi Credit Cards 1.8% of the transaction value^.
booking
surcharge
Reissue
of lost,
stolen or All Citi Credit Cards NIL
damaged
card
For international transactions in US Dollars,
3.5% mark-up on the INR equivalent of the US
GCG/CONSOLIDATED MITC AND SOC/06-22
corporate/employer as per a specific arrangement between the employer and the Bank. The Cardmember authorizes
his/her employer, through its duly authorized signatories to revise the credit limit during the course of the credit card
relationship, request for outstanding, transaction summary - including billed and unbilled, and/or initiate blocking/closure
of his/her Citibank corporate credit card. The Cardmember also authorizes the Bank to accept transactional requests
from his/her employer, through the authorized signatories, and deem them as being made on his/her behalf.
The card member also agrees, understands, and accepts that the card member and his/her employer are jointly and
severally liable for all charges to his/her credit card account resulting from use of the card. He agrees and
understands that the card issued will be an internationally valid charge card to support only the bonafide official
expenses, both domestic and international.
3. Billing
a. Statement: Card Member will be sent a monthly statement on the statement date showing payments, transactions,
and charges, if any, for the month, provided the card has been used during the said period. The statement would be
dispatched by physical mail or email to the mailing address as per bank’s records. Customers have a one-time option to
reach out to Citiphones to have the statement generation date updated, subject to payment of dues
b. Minimum Amount Due (MAD)*: The monthly payment should cover at least the MAD. Any unpaid MAD from the
previous statements will also be added to the current MAD to arrive at the MAD payable in the current statement.
The MAD will be higher of the following, subject to a minimum of ₹100:
1. the sum of all installments, the amount utilized over the credit limit (if any) and 5%# of remaining balance
outstanding, OR
2. the sum of all installments, annual fees, transaction fees for loans / EMI facilities linked to credit card, interest /
other bank charges (excluding insurance / foreign currency mark-up), the amount utilized over the credit limit (if
any) and 1% of remaining balance outstanding.
*For Citi Corporate Cards: Minimum Amount Due (MAD)=Total Amount Due (TAD)
#This can vary for specific card types, is subject to change from time to time and will be notified accordingly. For
Prestige, 10% of remaining balance outstanding is applicable here.
If the Total Amount Due (TAD) is less than ₹ 100, the MAD would be equal to TAD.
c. Payments received against the Card will be adjusted against the various categories in
the following order: taxes, fees, other charges, interest charges, insurance charges and principal. Within a category,
the payment will be adjusted in the following order: loan above card limit, other EMI plans, cash-withdrawals, and
retail purchases. Billed outstanding dues will be prioritized over unbilled outstanding dues for payment application;
with the order of payment application remaining same as above. For payments exceeding billed outstanding dues,
the application will be done on unbilled transactions posted in the card account till the date of payment application.
d. Methods of payments: Payments towards the card account may be made in any of the following ways:
I. Online: Payment from a Citibank account can be made using the Citibank website, Citibank Mobile App or
Citibank Interactive Voice Response (IVR). Online payment from non- Citibank banking account can also be
made using Epay option on the Citibank website.
ii. Standing Instruction: Standing instruction for TAD or MAD from a Citibank account.
iii. ECS / NACH: Standing instruction for TAD or MAD from a non-Citi bank account.
iv. NEFT/ IMPS: Online payment from a non-Citibank banking account using IFSC code CITI0000003 and Chennai
as branch address.
v. Cheque / Demand draft: drawn in favour of the 16-digit Citibank credit card number i.e. “Citibank Card
XXXXXXXXXXXXXXXX”. The cheque / DD can be dropped in the drop boxes at Citibank ATMs.
e. Billing disputes: In the event of a billing dispute, Card Member must inform Citibank within 30 days of receipt of
the statement and not later than 60 days from the date of transaction. For billing disputes, Bank will investigate and
confirm the liability for such transactions. For certain disputes the Bank may, at its discretion, give a temporary credit
during the period of investigation, which may be reversed subject to outcome of investigation.
f. Contact details: Card Member can contact Citibank in any of the following ways:
i. Call us on the CitiPhone helpline. Please refer to the ‘Contact Us’ tab on the Citi home page www.citibank.com/india.
ii. Login to www.citibank.com/india using IPIN (Internet password), click on the ‘Your Queries’ link to send us the query.
iii. Citibank, N.A. Mail Room, Acropolis, 9th Floor, No. 148, Dr Radhakrishnan Salai, Mylapore, Chennai – 600 004
g. Grievance redressal: If you are not satisfied with the response received from access channels- CitiPhone/
Your query in CBOL, you may escalate your concern to the Head Customer Care by sending an Email to
head.customercare@citi.com
For any further escalation, you can reach our Principal Nodal Officer Hema Venkatesh to examine issues and
provide an impartial resolution, you may escalate to her by sending an email @ principal.nodal.officer@citi.com or
call her @ 1800 266 2400 (India Toll Free) / 022 4955 2400 (Local Dialing) between 10:00 AM and 6:00 PM IST
(Monday to Saturday) except on National Holidays
For more information on the compensation framework for unsuccessful/failed transactions, delay in redressal of
grievance, delay in closing of account/blocking of lost or stolen cards, etc., please refer to:
https://www.online.citibank.co.in/portal/pdf/Customer-Compensation-policy.pdf
For other key policies and commitments, please refer: https://www.online.citibank.co.in/policies/key-policies-and-
commitments.htm
In an event that the Card Member does not receive any response within one month from the date of complaint lodged
at the above-mentioned channels, or if the Card Member is dissatisfied with the response given, he/she may write to
the Banking Ombudsman for an independent review. Further details are available on the Grievance Redressal
GCG/CONSOLIDATED MITC AND SOC/06-22