Why choose 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.
Benefits of Citibank Debit Mastercard
Tap To Pay With Your Mobile Phone
Mobile payments is available for your Citibank Debit Mastercard. Add your card to Apple Pay / Samsung Pay and experience a faster, more convenient and secure way to pay with just a tap of your mobile phone.
Get cashback offers as you spend
Enjoy cashback offers when paying using a Citibank Debit Mastercard at participating in-store or online merchants in top local or cross border destinations. Terms and conditions apply.
Access multiple foreign currencies, for payments and withdrawals at Citibank ATMs overseas at no additional conversion fee.
Transact Securely Online
Shop online with peace of mind, knowing your online purchases are protected.
Access Cash Anytime
Withdraw cash conveniently at ATMs across Citibank Branches, SMRT stations, shopping malls and
atm5 network. Plus, enjoy ATM withdrawals overseas at Citibank ATMs.
Go EZ with EZ-Pay
Drive through ERP gantries without the need to top-up or insert a stored value card in your IU.
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.
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 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.
Eligibility to apply for Citi Debit Mastercard
- Individuals 16 years and above
- Singaporeans or foreigners
- Non-profit organisations
List of deposit accounts which can be linked to a Citibank Debit Mastercard
Citi MaxiGain Account
Get 0.31%* p.a. on your savings with the Citi MaxiGain account. It's a simple and easy way to grow your money.
An interest bearing checking account that comes with a Citibank Debit Mastercard that offers you a host of exciting features.
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.
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Mastercard Travel Rewards offers Citibank Singapore Debit Mastercard ("Debit Card") cardholders access to a range of exclusive and automatic cashback offers whenever they travel or shop. Simply pay with your debit card at participating overseas merchants online or in-store.
Please visit the Mastercard Travel Rewards site for full list of participating merchants and offers.
Yes, you need to register on the Mastercard Travel Rewards site in order to enjoy cashback offers.
A qualifying transaction or eligible purchase is one where a cardholder makes a purchase that meets the cashback offer's published criteria. These criteria include the use of your Debit Card at a participating merchant, paying in the specified currency, and satisfying all of the applicable terms and conditions stated in the offer’s advertisement. Dynamic currency conversion transactions are not eligible for Mastercard Travel Rewards offers.
The terms and conditions of each offer are specified on the Mastercard Travel Rewards website. Please check these terms and conditions on each offer as they have different validity periods. Please visit the Mastercard Travel Rewards site for participating merchant offers and details.
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.
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
The default daily and monthly point-of-sales transaction limits for your Citibank Debit Mastercard are set out in the table below. With effect from 1 August 2019, you will be able to enjoy a higher monthly point-of-sales transaction limit for your Citibank Debit Mastercard based on your banking relationship with Citi. For any newly issued card, the daily point-of-sales transaction limit is defaulted at S$2,000. Your daily point-of-sales transaction limit remains unchanged should you have made adjustments prior to 1 August 2019.
|Citibank Debit Mastercard Point-of-Sales ("POS") Transaction Limit:||Citibank||Citi Priority||Citigold||Citigold Private Client|
|Default daily POS limit||S$2,000||S$2,000||S$2,000||S$2,000|
|Current monthly POS limit||S$10,000||S$10,000||S$30,000||S$30,000|
|New monthly POS limit w.e.f 1 Aug 2019||S$30,000||S$30,000||S$50,000||S$50,000|
Please contact CitiPhone at +65 6225 5225 to change your daily spending limit.
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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.
How can I disable the Point-of-Sale payment feature (including contactless payment or card not-present transactions) on my Citibank Debit Mastercard?
You may contact our CitiPhone Banking at +65 6225 5225 between 8am to 8pm to convert your debit card to an ATM card. We will send you a new ATM card without fees and charges.
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 www.citibank.com.sg
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.
The products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, Isle of Man, the UK, Brazil, or New Zealand. This document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Deposit Insurance Scheme:
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg