Citibank Debit Mastercard®

Citibank Debit Mastercard brings you banking convenience locally and globally. From cash withdrawals to your daily purchases and bill payments, all you need is your Citibank Debit Mastercard. What's more, you will experience exclusive lifestyle privileges when you make purchases with your card.

Multi-currency Feature

Multi-currency Feature

Access 9 different foreign currencies, for payments and withdrawals at Citibank ATMs overseas at no additional conversion fee.


Transact Securely Online

Transact Securely Online

Shop online with peace of mind, knowing your online purchases are protected.

Shop Conveniently

Shop Conveniently

Make everyday purchases quickly and safely with just a tap of your contactless-enabled Citibank Debit Mastercard. You can also perform cashless transactions at millions of merchants globally.

Tap To Pay With Your Mobile Phone

Tap To Pay With Your Mobile Phone

Mobile payments is available for your Citibank Debit Mastercard. Add your card to Citi Pay or Samsung Pay and experience a faster, more convenient and secure way to pay with just a tap of your mobile phone.


Access Cash Anytime

Access Cash Anytime

Withdraw cash conveniently at over 360 ATMs across Citibank Branches, SMRT stations, shopping malls and atm5 network islandwide. Plus, enjoy ATM withdrawals globally at more than 2 million ATMs worldwide.

Tap & Ride on Trains & Buses

Tap & Ride on Trains & Buses

You can now tap to pay for your train and bus rides directly with your Debit Mastercard. No more top-ups. Just tap and goTM.


Exclusive Citibank Debit Mastercard Privileges

Exclusive Citibank Debit Mastercard Privileges

Gain access to exclusive social events and a host of lifestyle privileges tailored for you and your family.


No Late Fees or Interest Charges

Your Citibank Debit Mastercard is linked to your bank account. Whenever you use the card for payment, funds are directly debited from your account. So you don't have to worry about late fees, bill payments or interest charges.

Bill Payment Islandwide

Make bill payments islandwide via any AXS Station. It's quick, easy and available 24/7.

Card Security Features

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

  • Activation and deactivation can be done instantly and conveniently at any time of the day via SMS, Citibank Online and Citi Mobile.
  • A missing card can be quickly deactivated, with a replacement card sent almost immediately upon request.
  • The EMV-Dynamic Data Authentication Smart Chip makes the card more secure and protects you from potential identity theft and fraudulent activity.
  • 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.

Important Notes

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) (collectively ,"Debit Card Transactions") which shall be paid for by directly deducting the transaction amount from your primary bank account.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. Please note that the default daily limit for these types of Debit Card Transactions is S$2,000 unless revised by you. For replacement card: if you had previously revised your old Debit Card’s daily limit, your new Debit Card daily limit remains the same as your existing daily limit of your old card or the available balance in your primary bank account, whichever is lower. For clarity, this limit is shared between the Debit Card Transactions that you are permitted to effect using your Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Debit Card on Point-of-Sale readers or Electronic Cash Registers may expose it to skimming and/or cloning and hence theft of your sensitive payment card data. To protect your information from being skimmed and/or cloned, it is recommended that the magnetic stripe of your Citibank Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.


The Most Privileges Around Every Day:

Far East Hospitality

Enjoy 15% off the best available rate for selected room categories at 11 Far East Hospitality hotels in Singapore.

Terms and Conditions Apply.

JetQuay Quayside and The Haven Privileges

Enjoy discounts off various JetQuay services and 1-for-1 lounge services at The Haven.

Terms and Conditions Apply.

Exclusive movie privileges at Cathay Cineplexes.

Enjoy these offers with your Citibank Debit Mastercard:

  • S$8.50 for movie screenings on Monday to Thursday (including sneak preview)
  • S$11 for movie screenings on Friday to Sunday, Public Holiday (PH), eve of PH

Terms and Conditions Apply.

Esso Fuel Savings

14% savings at all Esso stations island-wide.

Gourmet Pleasures

Citibank Gourmet Pleasures allows you to indulge in the pleasures of gastronomic delights at the best restaurants in town. It's a treat on every plate.

Citi World Privileges

Wherever you are in the world, Citi World Privileges ensures that you receive preferential treatment and exclusive discounts at over 40,000 establishments.

Mastercard Priceless® Cities

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

How to Apply


  • Individuals 18 years and above
  • Singaporeans or foreigners
  • Non-profit organisations

List of deposit accounts which can be linked to a Citibank Debit Mastercard

Citi MaxiGain Savings Account

Get 2%* p.a. on your savings with the new Citi MaxiGain Savings account. It's a simple and easy way to grow your money.

Learn more

Citibank Interest Plus Savings Account

Earn up to 2.5% p.a. more on your savings.

Learn more

Citibank MaxiSave Account

An interest bearing checking account that comes with a Citibank Debit Mastercard that offers you a host of exciting features.

Learn more

Citibank Tap & Save Account

  • Earn 2% cash rebate with every EZ-Reload transaction and 1% cash rebate on everything else when you shop with Visa.
  • For this account, a Citibank SMRT Debit Card will be issued.

Learn more


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The Citibank Debit Mastercard comes without fees and charges.

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.

With the Citibank Debit Mastercard, you get to enjoy shopping at millions of Mastercard merchants globally, simply by signing for your purchases at places like restaurants, bars, groceries and daily needs, fashion apparels, pharmacies etc.

You may visit any of our Branches to apply for the Citibank Debit Mastercard. Alternatively, you may contact our 24 Hour CitiPhone Banking at 6225 52256225 5225 or apply online.

Your liability for all unauthorized transactions on your Citibank Debit Mastercard which are effected prior to our receipt of your notification shall be limited to S$100 provided:

  • you have immediately notified us of the loss, theft or unauthorised disclosure/use;
  • you assist us in the recovery of the unauthorised charges incurred;
  • at our request you furnish us with a statutory declaration and/or police report accompanied by written confirmation of the loss, theft or unauthorised disclosure and any other information that we may require;
  • we are satisfied that such loss, theft or unauthorised disclosure is not due to your negligence or default
Important Information

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Debit cards are similar to ATM cards. You can use your debit card with your personal identification number (PIN) to withdraw cash from ATMs. You can use it to purchase goods and services. For purchases made on debit cards, the purchase amount is immediately deducted from your bank account. You can spend only the amount in your account. Make sure your card is safe at all times.

Your debit card carries the Mastercard branding which allows you to perform signature-based Point-Of-Sale (POS) transactions. While this may seem similar to credit cards, do note that when you use credit cards, you are paying on credit. But when you use a debit card, the purchase amount or withdrawal is deducted immediately and directly from your account.

Although the Mastercard that you have received is a chip card it also has the magnetic stripe for overseas use. While chip technology can reduce the risks of cloning, the magnetic stripe portion of the debit card can still be cloned. As debit cards allow customers to sign off on the receipt, there is also a risk of forgery.

Some merchants allow you to make transactions below a certain value without the need to sign off on the transaction receipt. Do ask the merchant for a receipt of the transaction to ensure the correct amount is deducted. If the wrong payment amount is deducted, please contact Citibank immediately.

Your debit card details (such as name, account number, expiry date etc.) may be captured by fraudsters either through skimming or via intercepted online transactions. Fraudsters will then be able to use such information to clone a card or perform fraudulent card-not-present transactions (such as online or mail-order-telephone-order (MOTO) transactions).

However, for online purchases with merchants whose websites are enabled with the 3D Secure Technology, you will be asked to enter a One-Time Password before you can complete the transaction. This helps to protect you against online fraud and is a secure way to authenticate that you are making the purchase as the rightful owner of the debit card being used. Inform Citibank immediately if you have received a One-Time Password (OTP) but you did not make the transaction.

If you lose your debit card, inform Citibank immediately. If your card is stolen, make a police report and inform Citibank immediately.

Once you report the loss, your maximum liability for unauthorised charges prior to reporting the loss to Citibank will be capped at $100. This cap applies provided you have not acted fraudulently, or were not grossly negligent, or did not fail to inform Citibank as soon as reasonably practicable after you became aware that the card was lost or stolen.

  • Never leave your debit card or documents containing its details lying around.
  • Sign the back of your debit card with permanent ink as soon as you receive it.
  • Safeguard your card details. Do not disclose your personal identification number (PIN) for cash withdrawals to anyone. Memorise your PIN and destroy the PIN mailer.
  • Only shop at reputable and legitimate merchants (including online stores). Do not perform online transactions using shared devices such as computers in cybercafes.
  • When you make small value transactions without the need to sign off on the receipt, ask the merchant for a receipt of the transaction to ensure the correct amount is deducted.
  • Check regularly that your cards are with you.
  • Call Citibank immediately if your card or card information is lost or stolen. Note the time and date when you do so.

For a comparison of ATM, Debit and Credit Cards, we urge you to visit MoneySense by clicking here.

Terms & Conditions:Terms & Conditions:

Your use of the Citibank ATM and Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Singapore Global Consumer Banking Terms and Conditions. For the Citibank ATM or Citibank Debit Mastercard Terms and Conditions, please visit

Where we allow your Citibank Debit Card to be tagged to a Foreign Currency Account and used for any and/or all foreign currency fund in the Foreign Currency Account, foreign currency transactions and Cash Withdrawals will be directly authorized from the respective Foreign Currency Account in the foreign currency directly provided that that there are sufficient funds in the relevant foreign currency. In the event if you have performed a Cash Withdrawal and/or Card Transactions in a different currency from the Foreign Currency Account, the transaction will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined and notified to you.

If you choose to make a Card Transaction payment via the Mastercard Network, you will be bound by the relevant rules governing such transactions including but not limited to rules governing chargeback and dispute resolution.

With effect from 15 November 2014, the EPINS direct debit payment service will be discontinued and you will no longer be able to make EPINS point-of-sale debit payment transactions on your Citibank ATM or ATM/Debit Card. Please note that the EPINS service is offered by Card Alliance Pte Ltd.

Please note that your privileges, rewards and/or services will differ depending on your choice of debit network.

Your Citibank Debit Card comes with a daily point of sales limit that is set at S$2,000. This limit is shared between signature-based, contactless payments (e.g. Mastercard® Contactless and payments made using digital wallets) and card not present transactions (including mail and phone orders). You may choose to increase/decrease this limit upon activation of your Citibank Debit Card. Notwithstanding the limit that you set, the limit on your Citibank Debit Card will remain subject to your available bank balance.

Where your Citibank Debit Card has Visa or Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citibank Debit Card carries risk of unauthorized signature-based, contactless payments (e.g. Mastercard® Contactless and other payments made using digital wallets) or card not present transactions.

Double Swiping is a term used to describe the act of a second swipe of a payment card at a Point-of-Sale terminal after the first swipe to obtain initial authorization from the bank. The second swipe effectively exposes your Citibank Debit Card’s magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citibank Debit Card on Point-of-Sale readers or Electronic Cash Registers increases the risk of skimming and/or cloning and hence the theft of your sensitive payment card data.

  • Valid from 4 January to 31 December 2018, unless otherwise stated.
  • Payment must be made with a Citibank Debit Mastercard at the box office and self-ticketing kiosks only.
  • Not valid for online/phone.
  • Not valid for block booking of more than 10 movie tickets in a single transaction and hall rentals.
  • Not valid for all 3D, Tamil and Hindi, movie marathons, special priced tickets, Elite Club and Ultima seats, and movies screened at the Platinum Movie Suites.
  • Not valid with other discounts, promotions and voucher redemptions.
  • The management reserves the right to alter the terms and conditions without prior notice.

Far East Hospitality

Enjoy these offers with your Citibank Debit Mastercard:

15% off Best Available Rate at the following 11 Far East Hospitality hotels (selected room categories):

  • Oasia Hotel Downtown, Singapore
  • Oasia Hotel Novena, Singapore
  • The Quincy Hotel
  • Rendevous Hotel Singapore
  • Village Hotel Albert Court
  • Village Hotel Bugis
  • Village Hotel Changi
  • Village Hotel Katong
  • AMOY
  • Orchard Parade Hotel
  • The Elizabeth Hotel

Terms and Conditions

  • Offer is valid till 31 March 2018.
  • Offer is valid only in Singapore.
  • Visit and enter promo code 'MastercardGlobal' to enjoy this offer.
  • Rates are exclusive of 10% Service Charge & 7% GST.

JetQuay Quayside and The Haven Privileges

Enjoy these offers with your Citibank Debit Mastercard:

  • Discount off various JetQuay services
  • 1-1 on all Lounge Services, excluding the nap rooms at The Haven

Terms and Conditions

  • Offer is valid till 31 October 2018. Travel must be completed by 31 October 2018.
  • Offer is valid only in Singapore.
  • For enquiries or reservations, kindly call JetQuay at +65 6262 2220 or email
  • Promotion not valid on the Blackout dates.

    - Airshow (4 to 11 Feb 2018)
    - Formula 1 Singapore 2018 (12 to 18 Sep 2018)
    - Eve of Public Holidays
    - Public Holidays

  • Advance booking can be made in the preceding calendar month of the flight departure/arrival, and a minimum 24 hours’ advance booking is required. Any changes or cancellations must be communicated at least 6 hours prior to flight departure/arrival time.
  • There is no charge for infants below 2 years old.
  • Restrictions may apply for certain airlines. Please check with JetQuay for further information.
  • For enquires or reservations, kindly call The Haven at +65 6543 9464 or email or visit