Benefits of a Citibank Debit Mastercard:
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
Enjoy peace-of-mind with robust security features on your Citibank Debit Mastercard. See below for details.
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.
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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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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Mastercard Airport Experiences provided by LoungeKey™
(Exclusively for Citigold customers)
This privilege is eligible for Citigold customer who have maintained an outstanding balance of THB 5 million and above.
- Citigold customers will receive two complimentary visits per year at Mastercard Airport Experiences provided by LoungeKey™. However, Citigold customers can be accompanied by his/her guest but the number of complimentary visits of the Citigold customers will be deducted for 1 visit per 1 guest.
- Lounge access fee of US $27 per person will be charged to your Citigold Debit Mastercard in the event that the customer uses the lounge more than 2 visits per year.
- To access participating lounges, Citigold customers must have at least US $27 in the bank account associated with the Mastercard for authorization purpose only.
- To access participating lounges, Citigold customers must present your card, together with your boarding pass, and identify yourself as a LoungeKey member. Customers can sign up to become a member by visiting www.airport.mastercard.com/or download the Mastercard Airport Experiences mobile app to generate your digital lounge access code. However, Citigold customers must have at least US $1 in the bank account associated with the Mastercard for authorization purpose only.
- Citibank reserves the rights to change, amend, modify, suspend, continue or terminate the benefit at any time without advance notice.
- Citibank reserves rights of final decision on any disputes arising out of or in connection with this benefit.
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.
How to activate your debit card
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.
Debit Mastercard Privileges
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.
Security measures for your Debit card:
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.
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Are there any fees or charges?
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.
How is the Citibank Debit Mastercard different from a Citibank ATM Card?
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.
Where can it be used?
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.
How can I convert my Citibank ATM Card to a 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
What is 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.
How is it different from my current Citibank ATM Card?
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.
What is the difference between my Citibank Debit Mastercard and my Citi Credit Card?
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
Why are you changing my card to a Citibank Debit Mastercard?
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 ATM Card does not expire. How about the Citibank Debit Mastercard?
The Citibank Debit Mastercard has a validity period of five years. A replacement card will be sent to your mailing address before expiration.
I do not want to upgrade my current ATM card. What should I do?
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.
What is the minimum and maximum daily purchase limit?
Minimum purchase limit is zero. Maximum purchase limit is THB 300,000.
What if my Citibank Debit Mastercard gets lost or damaged?
You may request for a replacement card by calling our CitiPhone® Banking at 15881588.
B. Citibank Online Access
How can I register to CBOL?
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
How do I authorize my transactions using my Citibank Debit Mastercard?
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.
If I make retail purchases using my Citibank Debit Mastercard, which of my accounts will be debited?
The account you nominated to be linked for your retail purchases will be debited.
Can I use my Citibank Debit Mastercard for online and phone retail purchases?
No, your Citibank Debit Mastercard cannot be used for these type of transactions.
What happens if I have insufficient funds in my account?
Your retail purchase will be declined.
How do my retail purchases reflect on my account balance?
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 |
Will I be charged any fees when I use my Citibank Debit Mastercard?
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.
Will I be charged any fees if I nominate a savings account for retail transactions using Citibank Debit Mastercard?
You will be charged THB 300 per annum for retail purchase.
I am worried about the security of my funds, how can I be sure that Citibank Mastercard Debit transactions are secured?
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.
Where can Citibank Debit Mastercard be used to purchase retail goods and services?
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
What do I do if I see/detect an unauthorized retail purchase or withdrawal transaction on my Citibank Debit Mastercard or if my card is lost/stolen?
Please immediately call our 24-Hour CitiPhone® Banking at 15881588 to report that your card is lost / stolen.
E. Disputes
What do I need to do if I want to dispute an unauthorized purchase on my Citibank Debit Mastercard?
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.
Will I be charged any fees when I dispute a transaction?
No fees or charges will be applied to your account for sale retrievals.
Will I still be able to use my Citibank Debit Mastercard if I have an on-going dispute?
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.
Will I still be able to access my deposit account (i.e. withdraw money/issue check/transfer funds, etc) if I have an on-going dispute?
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.
Will I be immediately credited for the amount that I am disputing?
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.
How can I follow-up about the status of my dispute?
You can call our 24-Hour CitiPhone® Banking at 15881588.
Please check the following to apply for a Citi Debit Mastercard
Eligibility to Apply for a Citibank Debit Mastercard
- Applicant must be 15 Years of age
- Must have a Savings Account with Citibank
Documents required to apply for a Citibank Debit Mastercard
- Certified Copy of ID Card / Passport
Citibank Debit Mastercard Fees and Charges:
Refer to the table below for the fees related to Citi Debit Mastercard
| Fee Type | Amount | Frequency |
|---|---|---|
| ATM Fee | Free. No charges applied for withdrawals and transfers | |
| Annual Fee | THB 300 | Per card |
| Overseas Transaction Fees | 2.5% of the transaction amount. | |
| Card Re-issuing Fee | THB 200 | Per time |
| Service Fees Charged in Foreign Currencies | Free. No charges for withdrawals from Citibank ATMs overseas | |
| Domestic interbank fund transfer | THB 25 per transaction for THB 1-10,000 | |
| Domestic interbank fund transfer | THB 35 per transaction for THB 10,000 – 50,000 | |
| PIN Re-issuing Fee | Free | Per time |
