Information on Card Membership
Card Account Number:
is your unique card account number. Please mention it on the back of
your cheque when making payments and also on all correspondence.
are the only person authorized to use this card. Please ensure that
your name is accurately embossed, and that you have put your signature
on the back of the card using a ball-point pen.
"Valid through'' dates show the valid period for use of your card.
The valid dates extend from the opening month to the last day of the
closing month. Renewal is automatic unless cancelled by either the Cardmember
or the Issuer.
card is accepted at over 13 million establishments throughout the world
that display these signs in Pakistan, more than 10,000 establishments
are currently accepting our cards.
Card Annual Fee (Silver): Rs. 2,000
Card Annual Fee (Gold) Rs. 4,000
Card Annual Fee (Silver) Rs.750
Card Annual Fee (Gold) Rs. 2,000
Affinity Card Annual Fee (Silver) Rs. 500
Affinity Card Annual Fee (Silver) Rs. 250
Affinity Card Annual Fee (Gold) Rs. 1,000
Affinity Card Annual Fee (Gold) Rs. 500
to read your statement of Account
will receive a monthly Statement of Account showing a complete record
of your monthly account activities. It shows clearly, all Purchases,
Cash Advances, Payments and any applicable fee or charges applied to
your Card account since the last statement date. Please, read your statement
carefully before making any payments.
to Make your Payments
payment of your Citibank Credit Card is very important. This section
provides you with the information on the various alternatives that can
be used to make payments for your Card.
For your convenience, payments may be made by cheque. If you pay by
cheque, please ensure that your cheque is drawn on a bank in the same
city as where your card was issued. Please make all cheques payable
to Citibank Credit Cards marked "A/C Payee Only" and in
Pak Rupees. Please remember to write your card account number on the
back of the cheque and send it enclosed with the statement payment
coupon. You can also drop your payment envelope in specially marked
boxes at Gerry's/ FedEx Business Services Centers, Caltex Star Mart
and Citibank Branches and offices FREE OF COST! The cheques that are
deposited by you at Citibank branches or sent by mail are first sent
for clearing and only after funds are received the payment is posted
to your account. This procedure takes approximately three business
days. For all returned cheques, there is a fee upto Rs. 800
which will appear on the next billing statement.
You may arrange for your monthly Citibank Credit Card charges to be
automatically deducted through direct debit if you hold an account
with Citibank. For more information please call Citiphone at 111-222-222
Cash at Counter
You can deposit cash payment at Citibank branches in Pakistan during
banking hours. However, please note that a flat processing fee
of Rs. 250 will be charged for each cash payment.
is Good Credit?
key to maintaining good credit is to use only as much credit as you
can afford, and what you will be able to pay back on time. Managing
your credit is easy if you follow a a few simple guidelines:
at least the minimum payment due. If you don't want to pay your full
balance each month, Credit Card companies require that you pay atleast
a minimum amount to keep your account in good standing. If you consistently
pay more than the minimum due and do not exceed your Credit Limit,
you will improve your credit rating.
pay on time. Your payments are recorded in your credit record. It's
preferable to pay the minimum balance due on your Credit Card Account
not exceed your Credit Limit. Try to keep your account balances within
your assigned Credit Limits. We understand that emergency situations
arise, so if you need to go beyond your Credit Limit, please call
us at 111-222-222 or 111-333-333 for more information.
If you do not receive your statement of account within 7 working days
from the statement date you are requested to kindly call CitiPhone Banking
and request for a duplicate one, or you may have the same faxed back
to you through our self-service banking option. If you are registering
a complaint against the non-receipt of the statement, we would like
to inform you that the minimum time required for the investigation is
a minimum of 7 working days. This is so because we have to get in touch
with our external agency, which is a courier company who retrieves the
Proof of Delivery ( POD) and has it verified.
Credit Limit enhancement are only given after the completion of one
year's membership, provided the Card's credit history is good. Making
your monthly payment on time is mandatory if you wish to avail the added
benefits and incentives that the Bank provides to good customers. The
bank reserves the right to enhance the limit on the merit of each individual
request. Also, after the completion of one year membership the Credit
Limit can only be enhanced once every six months.
more information please call Citiphone at 111-222-222 or 111-333-333.
If a merchant asks you for an addional amount along with the retail
price of the commodity you want to purchase, please do not let him charge
you any additional amount, nor are you advised to sign on the sales
slip. We have entered into an agreement with the merchants that only
actual price will be charged. In case where the price is negotiated
with merchants, the merchants might charge extra over the actual price,
if payment is being made through the Card.
more information please call Citiphone at 111-222-222 or 111-333-333.
If you are having a problem in receiving authorization on your card,
there could be a couple of reasons for this:
a) You may be overlimit on your Card i.e you have exceeded your Credit
b) The magnetic strip on your Card may be damaged.
c) Payment not received against the previous statement balance.
d) Duplicate transaction taken by the merchant in case of foreign transactions,
which get cancelled out after 14 days.
e) Amount blocked due to the difference in the transaction amount and
billing amount. What happens is that once a merchant takes authorization
for a foreign transaction, the amount for which he takes the authorization
is of certain amount by which the Credit Limit decreases. When the same
transaction is billed to the customer after currency conversions, the
amount billed is different from the one against which the initial authorization
was taken. Hence the two amounts do not match and the Credit Limit gets
decreased by both the amounts. This is a general practice which is followed
all over the world.
f) There are instances where the transaction does not get declined,
but a referral generation request is received by the merchant whereby
the merchant has to contact his local acquiring bank, who then contacts
Citibank Pakistan. This is especially so in foreign transactions.
You are requested to kindly contact our Authorization unit at 111-555-555
, telex (9221) 29714 or call our CitiPhone Banking at 111-222-222 or
111-333-333 for assistance in case your transaction is not processed.
you find an error in your statement of account, report the matter to
our customer service center within 7 days.
you don't recognize the name of the merchant where you conducted the
transaction, or if you disagree with a charge, it may be helpful to
do the following:
your charge slips first to find out if it's the same merchant where
you made the purchase.
with your Supplementary Cardholders to see if perhaps they made the
purchase or obtained Cash Advance.
you still feel that there may be an error, please provide us the information
as specified in the format within 14 days from your statement date.
In most cases, we can immediately post a credit to your account, for
the amount in question. We cannot guarantee, the charge dispute will
be resolved in your favour, but will work with you and the Merchant/Acquiring
bank/Visa/MasterCard International to settle the dispute quickly and
fairly. Your co-operation in this aspect will be absolutely essential.
As a Citibank Cardmember, you are provided with the facility of interest
free repayment. However, if you fail to pay even the minimum amount
within due date, you are then liable to late fee charges @ 10%
of the minimum payment of Rs. 600 which ever is higher. If you
pay the minimum amount, but less than the full amount within the due
date, you will not be charged late fee but Service fee of 3% per month
( 0.09863% per day) will be levied on your account. The Service fee
is calculated on each transaction individually, using the following
Service fee = Transaction amount x No. of days x 0.09863%
Payment not Posted
You are requested to place your cheques in our specific purpose-built
drop boxes at various sites throughout the city, to facilitate you and
add to the convenience of cheque payment on your Card Account. You are
requested to drop your cheques at the designated Drop Box Locations.
All the designated locations have drop boxes with the CITIBANK logo
on them. In order to ensure that your payment is credited to your Card
Account in time, you are requested to deposit your crossed Cheque in
the drop box at least five-six days before the due date shown on your
statement. Additionally, Citibank Cardmembers can also use drop boxes
available at all Citibank branches and offices.
Please note that your Card account will be credited once your cheque
has been cleared.
Airline Ticket Purchase
you use your Credit Card to pay for any foreign travel tickets the amount
that is signed eventually for on the receipt may vary from the amount
that is subsequently billed in your Statement of Account. This is because
purchase of tickets or foreign non-Pakistani airlines are treated as
foreign currency transactions and as such are sent for clearance by
the respective airline to the head office of the concerned airline,
in its country of origin. As such, and in accordance with the Cardmember
terms and conditions, the transaction is subject to all applicable rules
and procedures of Citibank for foreign currency conversion into Pak
Rupees based or the exchange rate being used by Citibank at the time
of card outside Pakistan
all retail charges outside Pakistan, the conversion from foreign currency
amount to U.S. Dollar amount is billed by Visa/MasterCard International
at prevalent Visa/MasterCard International exchange rate. The conversion
from U.S. Dollar amount to the Pakistan Rupee amount is processed by
the Pakistan Card Centre. The rate charged for this conversion is the
prevailing open market rate quoted to us at that particular time. Citibank
also charges a handling fee of minimum 0.40 Rupee per Dollar.
For all the transactions conducted by you, Citibank purchases Dollar
from the open market on your behalf. This is done to settle the account
of the foreign/merchant bank, etc. where the transaction was conducted.
In the process Citibank also assumes the foreign exchange rate risk.
We try our utmost to get the most competitive rates for you. However
due to frequent fluctuations in the foreign exchange market, the rate
that appears in your statement may be higher or lower than the closing
rate for that particular day. Please note that all the foreign exchange
conversions are made as per the agreed Cardmember Terms and Conditions.
Maximum Cash Advance is 50% of the available Credit Limit. There is
a one time Cash Advance Fee of 3% (minimum Rs. 500) on each Cash Advance
transaction. In addition, Service Fee @ 3% will also be charged from
the transaction till the time payment is posted to your card account,
irrespective of full or partial payment.
At the time of renewal, your card will be renewed for a period of two
years. Your renewed card will be sent to you through courier, 30 days
prior to the expiration date of your current card to ensure that you
do not have an interruption in your credit facility. For identification
and to avoid possible misuse of your card, you are requested to please
show your NIC to the courier and sign the consignment slip at the time
However, if you do not recieve your new renewed Card 15 days prior to
the current card's expiry date, you are requested to call CitiPhone
Banking (111-222-222 or 111-333-333) to inquire about the delay.
Please ensure that your payments are being made on time as this factor
plays an important role in ascertaining whether your Card Account should
be renewed or not.