- Your Citibank Credit Card can be used at 5000 establishments in Pakistan and over 24 million locations worldwide. This gives you convenience, recognition and security wherever you are. Whether you spend in Dollars or any other currency, all your billings will be in Pak Rupees.
With Citibank Credit Card you have a free credit period of up to 50 days to pay for your purchases. You can either pay the entire amount that is reflected in your statement, or the minimum amount which is as stated below:
- A customer will have to pay full amount if the current balance is up to Rs.200; or
- In case the current balance amount is more than 200 then the customer will pay Rs.200 or 1.60% of such current balance amount which ever is higher.
- In addition to the above stated amount, the following charges/fees (all or those applicable) will also be a part of the minimum payment amount :
- Service Fee
- Monthly installment of a subscribed installment plan
- Any amount spent over and above the credit limit of the credit card
- Amount of the unpaid/outstanding minimum payment amount due in the previous month(s) date
- Late payment fee
- Cheque returned fee
- You are urged to refer to the changes to the applicable clauses of Credit Card Terms and Conditions and the same are attached to this letter.
If you pay the Minimum Payment amount or any amount less than the Current Balance by the payment date, then for retail transactions which can be covered by the payment, service fee is charged from the transaction date to the payment posting date. For retail transactions that are not covered by the payment, Service Fee is charged from the transaction date to the date the next statement of account is generated.
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Any amount up to 50% of your credit limit is available to you as cash. You can obtain cash advance at more than 700,000 ATM's and financial institutions worldwide displaying the Visa / MasterCard logo. See details in Terms & Conditions
Citibank Visa Cardmembers can obtain Cash Advance at ATMs displaying the 
PLUS logo which is also printed on the back of the Visa Card.
Citibank MasterCard holders can obtain Cash Advance at ATMs displaying the
CIRRUS logo which is printed on the back of the MasterCard.
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With Smart Cash, you can withdraw cash from the ATM using your credit card(s) (as done with Cash Advance) and simply phone CitiPhone (111-222-222) to book the transaction as Smart Cash. CitiPhone can convert your withdrawal transaction to Smart Cash at least 24 hours after the said withdrawal.
From the point the transaction is booked, Smart Cash service fee will apply and customers can pay back the amounts outstanding through monthly installments over tenures of 6, 12, 18, 24 or 36 months.
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You now have access to round-the-clock banking. At CitiPhone, you can avail a variety of services through our self-service banking option or speak to your personal CitiPhone Banker. The services include Credit Card Account Balance information, Bill Payments, Rewards Redemption and much more. Our CitiPhone Bankers are available round-the-clock to register complaints and respond to your queries.
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Lost Card Replacement |
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- If your Card is ever lost or stolen or your ATM PIN / T-PIN is disclosed/compromised, please immediately call CitiPhone at 111 222 222 immediately. If outside Pakistan, call immediately at (9221) 2446945. Citibank will replace your card within 3 days after you report loss or theft.
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Zero Loss Liability |
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- Once you report the loss or theft of your card or disclosure of your T-PIN/ATM PIN, you enjoy zero loss liability subsequent to reporting of loss/theft of the card. This means that you will not be responsible for any unauthorized transaction conducted on the lost/stolen card after you have reported it. The Bank has the right to recover all authorized charges and / or Cash Advances incurred on the Card prior to reporting the card lost / theft of the card or ATM / T-PIN disclosure.
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Convenient Payment Options |
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Automatic Bill Payment |
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- Make timely payments, reduce paperwork and avoid the hassles of monthly bill payment - under Citibank Automatic Bill Payment. The authorized merchant automatically charges your credit card every time your payment is due. So your bills get paid while you relax in the comfort of your home.
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Citibank Smart Installment Plan |
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- Make a retail transaction worth Rs. 3000 or more and simply call CitiPhone banking at 111 222 222.
This plan* offers you unique benefits like:
- No Credit approval required.
- No length documents required.
- Convenience to pay back in 3, 6, 12, 18, 24 or 36 months
- Reward Point earned on all transactions
* subject to enclosed Terms & Conditions
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Smart Installment Plan at 0% |
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- Your Citibank Credit Card brings you special promotions from time to time through the Smart Installment Plan at 0% service fee. This provides you the flexibility of making high-value purchases on your Citibank Credit Card and paying them back in equal monthly installments with no extra fee. To ensure that you do not miss out on these great offers, we mail these promotion flyers with you account's monthly statements. You may call CitiPhone at 111 222 222 or Click Here.
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Citibank Rewards |
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- Your Citibank Credit Card gives you extra value for your money. For every Rs. 50 that you spend on your credit card, you earn one Rewards point. Your accumulated points are shown in card statement you receive. The more you charge on your card the more points you collect. These points can be redeemed for exciting gifts from the citibank rewards catalogue. Choose from a wide variety of gifts from Citibank exclusive merchandise to Free Airline tickets.
- You can redeem your points by calling CitiPhone at 111 222 222, or simply visit our website our online catalogue (Click Here). You may also search for the Rewards gift of your choice by category and by number of points earned by you.
- Transactions made on your Supplementary Card or E-Card will also earn Reward Points for the basic cardmember and will be shown in the monthly statement of card account.
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Utility Bills Payment |
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- Now you can make payments for your phone bills over the phone. No more standing in long queues, no more waiting.
- Be it your PTCL or mobile phone bill, all you need to do is call CitiPhone Banking at 111 222 222 to make payment. You can even pay phone bills for your family and friends.
- And every transaction earns you Reward Points which you can exchange for exciting gifts
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Supplementary Card |
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Citibank E-Card |
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- Citibank has launched the smartest way to shop on the internet. The Citibank E-Card is the first internet shopping card that offers you secure online shopping. You also earn Rewards Points as you shop on your E-Card. All you spend on the E-card will be shown in your credit card statement, the same way your spending charges are reflected. With you Citibank E-Card you are entitled to special discounts from major ISP's. Apply for your E-Card by calling CitiPhone or Visit our website www.citibank.com.pk
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Citibank Travel desk at Gerry's |
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- A one-stop solution that offers airline & hotel reservations, ticketing, complimentary ticket delivery and airport transfers*.
- Citibank Travel Desk at Gerry's also offers Visa processing & Rent-a-Car Services.
Call 111-911-111. *Rules apply
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Credit Shield Plus |
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- Now Citibank can facilitate in assisting you to take care of your credit card payments in times when you are unable to pay off.
- Get total peace of mind and insure yourself against unforeseen emergencies. If you are unable to pay your minimum monthly dues due to disability,* Citibank will pay on your behalf. In the unfortunate event of your permanent disability or even death, the entire outstanding, amount on your Citibank Credit Card will be paid by the insurance company under the insurance cover.
- To enable you to experience the benefits of Citibank Credit Shield, call CitiPhone Banking at 111 222 222
*Subject to enclosed Terms & Conditions
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Discount and Promotions |
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- Your Citibank Credit Card also brings you a host of special discount and promotions across Pakistan.
- Remember to check your Credit Card statement inserts for more information about ongoing promotions.
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Fraud Early Warning System |
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- The Fraud Early Warning System is a unique system that continuously monitors transactions on your Citibank Credit Card to prevent fraudulent use. In case of any suspicious transaction occurring on your account which is not in the line with your normal usage patterns, we will give you a call on a best-effort basis to confirm whether the transaction is genuine or not.
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Travel Accident Insurance |
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One of the many privileges that come along with being a Citibank Credit Cardmember is free Travel Accident Insurance Cover. You are entitled to coverage of Rs.5 million to Rs.10 million if you purchase your ticket on your Citibank Credit Card. Travel Accident Insurance also covers your spouse and children under 23 years of age. So next time you travel, remember to charge it on your Citibank Credit Card to get complete peace of mind.
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Balance Transfer |
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- Consolidate your outstanding balance of other cards on to your Citibank Credit Card and pay back in easy monthly installments.
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Citibank Online* |
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- Get greater freedom & flexibility in managing day-to-day finances with the first simple-to-use Internet Banking Service. Pay your utility bills, transfer funds, view statements online & have access to host of other services. It's all at your fingertips & available round the clock. Log on now to Citibank Online
*Free Access.
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Citibank Cash on Call |
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- Get Cash* over the phone against your Citibank Credit Card limit
- No documents required.
- Instant processing
- Cash available up to 95% of your Citibank Credit Card limit
- Pay back in easy monthly installments of 6, 12, 18 or 24 months.
- Disbursement through Manager's Check.
- Delivery of your check through courier
*Terms & Conditions apply
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Secure Wallet Plan |
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- Enjoy complete peace of mind while you are shopping, at work or anywhere in the world, as Secure Wallet Plan provide your wallet with the protection it needs. Secure yourself against fraudulent usage of your Citibank Credit Card or any other Credit card you carry, due to loss, theft or robbery.
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Family Protection Plan |
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- Express love for your family by ensuring their lifetime happiness & security.
- The Family Protection Plan is personal accident insurance policy that provides coverage on a 24-hour worldwide basis against the following.
- Accidental Death
- Permanent Total Disability
- Accidental Medical Expenses.
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