Citibank Debit Mastercard®

Citibank Debit Mastercard®

Convenience and protection you expect, benefits your life demands.

Citibank Debit Mastercard Convenience and protection you expect, benefits your life demands.

Your Citibank Debit Mastercard brings you banking convenience locally and globally - from free cash withdrawals from Citibank ATMs around the world to worldwide acceptance for your purchases at retailers who accept Mastercard.

You can use this card safely because it carries the Smart Chip technology that protects your card against card cloning.

Benefits
Exclusive Mastercard Privileges

Exclusive Mastercard Privileges

Gain access to exclusive social events, hotel discounts and a host of lifestyle and shopping benefits.

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Card Security Features

Card Security Features

Enjoy peace-of-mind with robust security features on your Citibank Debit Mastercard. See below for details.

Worldwide Cash Withdrawals

Worldwide Cash Withdrawals

  • Free cash withdrawals from any bank's ATM in Thailand and from over 20,000 Citibank ATMs worldwide.
  • Withdraw up to THB 200,000 or its equivalent currency.
  • Withdraw cash in the local currency of the country you are in.
Exclusive Mastercard Privileges

World Debit Mastercard Offers and Experiences (Exclusively for Citigold customers)

Explore a world of experiences from luxury hotels and resorts to other special travel offers, exclusive dining privileges to teeing off on one of the world’s top golf courses all over the world.

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Worldwide Cash Withdrawals

Mastercard Airport Experiences provided by LoungeKey™ (Exclusively for Citigold customers)

Enjoy 2 complimentary visits including accompanying guests each year at over 1000 lounges in over 500 airports worldwide, as well as dining, spa and retail offers from select exclusive airport merchants, regardless of travel or airline loyalty program.

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Card Security Features

Citibank Debit Mastercard offers a comprehensive range of security features for your added security.

  • Activation can be done instantly and conveniently at any time of the day via SMS, IVR, Citibank Online, Citi Mobile, Citibank ATMs and Other world wide.
  • A missing card can be quickly deactivated, with a replacement card sent within 7 to 10 working days.
  • The EMV-Dynamic Data Authentication Smart Chip makes the card more secure and protects you from potential identity theft and card skimming / card cloning activities.
  • Citi Alerts: Get SMS or email alerts anytime there is a transaction on your card.
    To enroll, login to Citibank Online.
  • Citibank Online and Citi Mobile: Track your account balances and transactions easily.
Activation

Activate your Citibank Debit and ATM Card through any of the following methods:

Citi Mobile® App

  • Download on the App Store or Google Play.
  • Log in to your Citi Mobile App and go to the side menu and select Manage Your Cards > Card Activation.

SMS

  • Text ACT<space>last 4 digits of your card number.
  • Example: If your card number ends with '1234' then SMS 'ACT 1234' to 4808588.

Citibank Online

  • Log in to www.citibank.co.th. For first time users, click on 'Register'.
  • Sign in and go to Services > My Profile > Card Activation.

ATM

Activate through Citibank's ATMs and ATMs of other domestic banks. Some ATMs in Thailand may display the option for you to choose between "TBA" and "Mastercard", please choose TBA to proceed. If the ATM does not display the option for you too choose, you can proceed normally.

Privileges

The Most Privileges Around Every Day:

Priceless® Cities

Explore exclusive deals and unique experiences in more than 40 destinations.

World Debit Mastercard Offers and Experiences (Exclusively for Citigold customers)

Explore a world of experiences from luxury hotels and resorts to other special travel offers, exclusive dining privileges to teeing off on one of the world’s top golf courses all over the world.

Mastercard Airport Experiences provided by LoungeKey™ (Exclusively for Citigold customers)

Enjoy 2 complimentary visits including accompanying guests each year at over 1000 lounges in over 500 airports worldwide, as well as dining, spa and retail offers from select exclusive airport merchants, regardless of travel or airline loyalty program.

Safety Features

Authorizing Transactions

ATM transactions will require the input of your Personal Identification Number (PIN).

SMS Alerts

As an added alert feature, you will receive an SMS confirmation after every retail purchase above THB 1,000 you make through the point-of-sale (POS) terminal.

Pre-set Monthly Withdrawal Limit and Spending Limit

  • Your card has a daily cash withdrawal limit of THB 200,000 or its equivalent in local currency.
  • You have the option to set your daily retail purchase limit up to THB 300,000.

Reporting of Lost or Stolen Cards

In the event that your card is lost or stolen, simply call our 24-Hour CitiPhone Banking on 15881588.

Please remember that transactions are considered valid until the card is reported lost.

FAQs

Click on to expand and on to minimise the details.

The Citibank Debit Mastercard comes without fees and charges only for ATM features. If you would like to use the card for retail purchases, there will be a fee of THB 300 per year per card. Citigold and Citi Priority clients will receive annual fee waiver.

The Citibank Debit Mastercard lets you withdraw cash from ATMs and can be used to make purchases at Mastercard accepting merchant locations. What's more, you get to enjoy Citibank's signature suite of worldwide privileges whenever you use your Citibank Debit Mastercard.

Your new Citibank Debit Mastercard can be used to purchase retail goods and services where Mastercard is accepted. However, currently, retailers in Thailand are upgrading their electronic data capture (EDC) devices to be able to accept dual-interface chip cards. Therefore, un-updated versions of EDCs may not be able to perform transaction with the Citibank Debit Mastercard.

You can request to convert your Citibank ATM Card to a Citibank Debit Mastercard at any of the 3 Citibank branches (Interchange 21 (Asok), Central World, and The Crystal Veranda).

General Information On The Citibank Debit Mastercard

You can use your Citibank Debit Mastercard to withdraw cash at ATMs from any bank in Thailand and 20,000 Citibank ATMs around the world. In addition, you can also use this card to make payments for purchases of goods and/or services at retailers who accept Citibank Debit Mastercard.

Aside from its ATM functionality, your new Citibank Debit Mastercard now can be used to pay for your domestic and overseas retail purchases at over 24 million merchants that accept Mastercard. You may also use your Citibank Debit Mastercard in local stores which accept National ITMX.

Both cards can be used to purchase goods and/or services at retailers who accept Mastercard. The difference is that your Citibank Debit Mastercard is linked to your savings account at Citibank, and purchase amounts will be debited from such savings account immediately, while your Citi Credit Card accesses your credit line, and you have to make repayments to the Bank at specified time periods.

A. Issuance/Re-carding

Your new Citibank Debit Mastercard has Smart Chip technology that gives you enhanced protection against card cloning, an occurrence where your account information is fraudulently copied and transferred to a fake card. At the same time, your Citibank Debit Mastercard is an enhancement of your current Citibank ATM Card as this allows you to withdraw cash and pay for retail purchases in stores where Citibank Debit Mastercard is accepted.

The Citibank Debit Mastercard has a validity period of five years. A replacement card will be sent to your mailing address before expiration.

Citibank would like to offer additional privileges to our ATM cardholders, whereby we have included innovations in the Citibank Debit Mastercard to facilitate convenience in purchase with the card. The Citibank Debit Mastercard has the Smart Chip technology for enhanced data security and protection against card cloning. In addition to usage at ATMs, this card can also be used to make payments for purchases of goods and/or services at retailers who accept Mastercard around the world. By using this card, you will also receive Citibank's exclusive privileges.

Minimum purchase limit is zero. Maximum purchase limit is THB 300,000.

You may request for a replacement card by calling our CitiPhone® Banking at 15881588.

B. Citibank Online Access

Visit www.citibank.co.th and click on "First time user? Register now" on the log in page.

For a complete step-by-step guide on how to register for Citibank Online, go to http://www.citibank.co.th/online/en/register.htm

Please ensure that you have an updated mobile number on our records to complete CBOL Registration and receive SMS confirmation. Newly registered/updated mobile numbers will be able to receive SMS for CBOL and alerts, seven (7) calendar days after date of mobile update.

C. Card Usage

For Local terminals, you may be asked to input your PIN to authorize the transaction. For Mastercard terminals, you will be asked to sign the transaction receipt to authorize the transaction.

The account you nominated to be linked for your retail purchases will be debited.

No, your Citibank Debit Mastercard cannot be used for these type of transactions.

Your retail purchase will be declined.

The transaction amount from your retail purchase will be temporarily put on hold until this is settled with the merchant. The amount of cash available for withdrawal is your available balance.

Sample Computation for Illustration Purposes:

Before the Retail Purchase
Deposit Balance THB 10,000
Available Balance THB 10,000

Retail Purchase Amount = THB 1,500

After the Retail Purchase
Deposit Balance THB 10,000
Available Balance THB 8,500

For local ATM and retail purchases transactions, you will not be charged any fees. For foreign transactions, the converted amount shall be charged up to 2.5%, representing the Bank's service fee and any assessment fee(s) charged by Mastercard.

Sample computation for illustration purposes:

International Retail Purchase Amount/Mastercard

Plus International ATM Withdrawal = $100

Foreign Currency Amount Converted to THB Amount = $100 x THB 35 per $1* = THB 3,500

Total Amount to be Withdrawn from your Account = THB 3,500 + (THB 3,500 x 2.5%) = THB 3,587.50

*The foreign exchange rate may vary. The foreign exchange rate of Mastercard on the time of posting will be used.

Here are some safety tips to ensure that your transactions are secured:

  • Sign on your card immediately.
  • Always keep your cards and card details in a safe place.
  • Do not share your debit card PIN, account and personal information, and signature with anyone.
  • Your Citibank Debit Mastercard is only for your personal and exclusive use. Please do not hand it over to anybody - family members, friends, strangers, even to people who claim to be Citibank officers. You shall be responsible for any usage of your card or debits on your account made by any person.
  • Any verification of your card at any store, restaurant, etc. should be done in your presence. Remember to get your card back after every purchase.
  • Check your transaction receipt for the card number and the amount charged to your card after every purchase.
  • Keep your transaction receipts safe, to tally them against your monthly statement of account.
  • Carefully check your monthly statement of account and report any unusual or suspicious looking transactions to your Personal Banker or Relationship Manager or our 24-Hour CitiPhone® Banking at 15881588.

Your new Citibank Debit Mastercard can be used to purchase retail goods and services where Mastercard is accepted. However, currently, retailers in Thailand are upgrading their electronic data capture (EDC) devices to be able to accept dual-interface chip cards. Therefore, un-updated versions of EDCs may not be able to perform transaction with the Citibank Debit Mastercard.

D. Stolen/Lost Card

Please immediately call our 24-Hour CitiPhone® Banking at 15881588 to report that your card is lost / stolen.

E. Disputes

You can dispute an unauthorized purchase on your Citibank Debit Mastercard by filling out the Cardholder's Letter of Dispute and presenting relevant documents at any Citibank branch or contact 24-hour CitiPhone® Banking at 1588 within 60 days of such purchase.

No fees or charges will be applied to your account for sale retrievals.

If the nature of your dispute is fraud-related, your fraudulent card will be blocked and a new Citibank Debit Mastercard will be issued. You can pick up your new Citibank Debit Mastercard from the branch where your account was opened.

If you found that some retail purchases of goods and/or services from your debit card is incorrect, you must inform the dispute to the bank not more than 60 days, counting from the day you receive the debit card transaction statement from the bank. However, during the dispute investigation process, you can still access your savings account to perform your usual banking transactions.

You will not be immediately credited for the amount that you are disputing. The bank will investigate your dispute by coordinating with National ITMX or Mastercard (depending on the case). If the results reveal that such transaction was complete and correct, the bank will not credit the amount to you. If such transaction is proven incorrect or incomplete, the bank will proceed to credit the amount to you through the savings account that is linked to your debit card.

You can call our 24-Hour CitiPhone® Banking at 15881588.