Why do I need a Credit Card?

Credit Cards, due to their global acceptability, security and convenience, offer the best alternative to carrying cash.

What is the difference between Visa and MasterCard?

Visa and MasterCard are two different global brands of Credit Cards covering a vast network of merchants, both of which are being offered by Citibank Pakistan.

What does the Citibank Credit Card offer?

A host of features, benefits and services are associated with your Citibank Credit Card which include:

  • 24-hour Customer Services
  • Zero Loss Liability
  • Photocard Security Features
  • Rewards Point
  • Total Travel Protection
  • Global Acceptability
  • Cash Advance world wide

How is the Basic Card Member different from The Supplementary Card Member?

The Basic Card Member is the person who is issued the card and whose account is first opened by the bank. Supplementary Cards are associated to Basic Card members and enjoy the same benefits and services as the Basic Card member does.

Do I need to have an account with Citibank to apply for a Card?

Citibank values the importance of each individual. You need not have an account with us, in order to possess the Citibank Credit Card.

What income level does a person need in order to qualify for a Card?

Rs. 20,000 is the minimum income level required to apply. But for some selected companies it is as low as Rs. 8,000.

How soon will I get my Credit Card ?

It would take a maximum of 4-6 weeks time period for the card to be delivered at your doorstep after we receive the application form with all the required documents.

If I have an account with Citibank what benefits will I get for having a Credit Card?

If you have an account with Citibank you can avail the facility of direct debit instructions. This means that you have the option to either pay full or minimum balance against your Credit Card on the due date.This saves you the hassle of keeping a track of your payments.

What is the mode of payment for Credit Card bills and what channels are available for this purpose?

Citibank offers various convenient payment options which include:

How can I avail the revolving facility on my Credit Card?

You are required to pay the monthly minimum payment amount or any amount between the minimum payment and the current balance in order to revolve credit. The Minimum due is 5% of the Current Balance.

What is the amount of cash that can be withdrawn from my Credit Limit?

As much as 50% of the total Credit Limit can be withdrawn as cash. That is, if your Credit Limit is Rs. 40,000 then you can withdraw 50% of Rs.40,000 i.e. Rs.20,000. However, if you have utilized Rs. 10,000 of your total Credit Limit, then you can only withdraw Rs. 15,000 (50% of Rs. 40,000- 10,000).

What are the benefits of a Photocard?

Photocard has your photograph and your signature digitally imprinted on your Citibank Credit Card which gives you added security and extra recognition. It also makes sure nobody else takes your place. The Citibank Photocard is just another option for you which is absolutely free of cost!.

How are foreign currency retail transactions billed?

For all retail charges outside Pakistan, the conversion from foreign currency amount to U.S . Dollar amount is billed by Visa/MasterCard international at the prevalent Visa/MasterCard International exchange rate. The conversion from the U.S Dollar amount to Pakistani Rupee amount is processed by the Pakistan Card Center. The rate charged for this conversion is prevailing open market rate quoted to us at that particular time. Citibank also charges a handling fee of minimum Rs. 0.40 per dollar.

How can I pay my Credit Card bills when I am abroad?

You can pay your outstanding balances through telegraphic transfer or by signing the Direct Debit authority against your account with Citibank.

What should I do if my card is lost when I am abroad?

In case of loss or theft of the card or any damage to it, Citibank replaces the card free of cost.

You should immediately report the loss of your card to CitiPhone Pakistan or to any VISA/ MasterCard centers when abroad so that your card is blocked instantly. At the same time you may request for the replacement card at any of the VISA/MasterCard centers as the case may be. You  will then be issued a temporary replacement.

For a permanent replacement card please call CitiPhone Pakistan on your return to Pakistan.

In countries where international services are  offered you will get a permanent replacement card. While in other countries you can get a temporary card with the validity of two months. Emergency telephone numbers VISA/MasterCard