CITIBANK VISA DEBIT CARD

Your ATM card, now even better.

Citibank VISA Debit Card

Your Citibank® VISA Debit Card brings you banking convenience locally and globally – from free ATM withdrawals to worldwide acceptance for your purchases.

Plus, your card now carries the Smart Chip technology that protect your card against card cloning.

Benefits

Cash on the go

  • Free withdrawals from any bank's ATM1 in the Philippines and from over 20,000 Citibank ATMs worldwide.
  • Withdraw Dollars or Pesos, up to US$3,000 or its equivalent in local currency.
  • Withdraw in the local currency of the country you are in.

Cashless purchases

  • Pay for purchases at over 24 million VISA merchants worldwide2.
  • Enjoy a daily retail purchase limit of up to P100,0003.

1 Any bank's ATM includes BancNet, Megalink and Expressnet ATMs only.

2 3.02% shall be charged on the converted amount of foreign transactions, representing the Bank's service fee and any assessment fee(s) charged by VISA. Retail purchases made through VISA network will require your signature on the transaction receipt.

3 Applies only to Citibank® VISA Debit Card with VISA logo in front. The daily purchase limit can be set through our 24-hour CitiPhone®.

24-hour Atm Banking Center

To find Citibank® N.A. - Philippine Branch, click here.

Global Locations:

Citibank® Branches and ATMS around the world.

  • Africa
  • Asia Pacific
  • Europe
  • Latin America
  • North America

With 1,400 branches and 3,800 ATMs in 46 countries, Citibank® offers banking when and where you need it. Whether you are discussing your personal financial information with our knowledgeable branch staff or need cash while travelling you will find Citibanking® comfortable and convenient.

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 you make through the VISA point-of-sale (POS) terminal.1

Pre-set Monthly Withdrawal Limit and Spending Limit

  • Your card has a daily cash withdrawal limit of US$3,000 or its equivalent in local currency.
  • You have the option to set your daily retail purchase limit up to Php100,000.2

Reporting of Lost or Stolen Cards

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

Citibank® N.A., – Philippine Branch
Metro Manila +632-995-9999+632-995-9999
Metro Cebu +6332-234-9999+6332-234-9999

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

1 Applies only to retail purchases done through VISA point-of-sale (POS) terminals.

2 Applies only to Citibank VISA Debit Card with VISA logo in front. The daily purchase limit can be set through our 24-hour CitiPhone®.

Promotions

Your Citibank® VISA Debit Card can be used to avail of VISA promotions, discounts and offers. Visit www.visagoexplore.com.

FAQs

Click on to expand and on to minimise the details.

General Information On The Citibank® VISA Debit Card

Your Citibank® VISA Debit card is your worldwide access to your bank account. You can use it to withdraw cash from any bank's ATM1 in the Philippines and from over 20,000 Citibank® ATMs worldwide, free of charge. Plus, you can now use your card to pay for retail purchases in stores where BancNet and VISA are accepted.

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

Both cards can be used at any store where Visa is accepted. The difference is that your Citibank® VISA Debit Card accesses your linked savings or checking account while your Citi Credit Card accesses your credit line.

A. Issuance/Re-carding

Your new Citibank® VISA Debit Card 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® VISA Debit Card is an enhancement of your current Citibank® ATM card as this allows you to withdraw cash and pay for retail purchases in stores where BancNet and VISA are accepted.

Once your new Citibank® VISA Debit Card is activated, your old ATM card will be deactivated.

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

Yes. Your co-account holder will also get a Citibank® VISA Debit Card and will enjoy the same benefits as you do.

We highly encourage that you upgrade to the new Citibank® VISA Debit card. Aside from being able to use it for withdrawals and retail purchases, the new Citibank® VISA Debit has a chip card that provides you enhanced protection against card cloning, an occurrence where your account information is fraudulently copied and transferred to a fake card.

You may still activate your new card and set your daily purchase limit to the default amount of Php100.

You can set your daily purchase limit from Php100 to Php100,000.

You may request for a replacement card by calling our 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) The replacement fee for Citibank® VISA Debit Card is Php150. You have the option to have the payment debited from your account or you may pay in cash over the counter at the branch.

B. Citibank® Online Access

Visit www.citibank.com.ph and click on “First time user? Register now” on the log in page.

For a complete video demonstration on how to register for Citibank® Online, go to www.citibank.com.ph/demo

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 BancNet terminals, you will be asked to input your PIN to authorize the transaction. For VISA 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® VISA Debit Card 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 Php10,000
Available Balance Php10,000

Retail Purchase Amount = Php500

After the Retail Purchase
Deposit Balance Php10,000
Available Balance Php9,500

As illustrated above, please be aware that after making retail purchases, the retail purchase transaction amount will be placed on hold. We highly recommend that you nominate to link a savings account for Citibank® VISA Debit Card. In case you prefer to nominate a checking account, kindly take note of your Available Balance when issuing checks.

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 3.02%, representing the Bank's service fee and any assessment fee(s) charged by VISA.

Sample computation for illustration purposes:

International Retail Purchase Amount/VISA

Plus International ATM Withdrawal = $100

Foreign Currency Amount Converted to Peso Amount = $100 x P43 per $1* = P4,300

Total Peso Amount to be Withdrawn from your Account = P4,300 + (P4,300 x 3.02%) = P4,429.86

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

For Citi® Peso e-Savings and Citi® Peso High Rate Savings Account, your retail purchase is included in the 2 free monthly withdrawals. If the account linked to your Citibank® VISA Debit Card is one of these accounts and you go beyond the 2 free monthly withdrawals, you will be charged Php20 for every retail purchase. We do not allow Citi® Peso e-Savings Plus account to be linked with your Citibank® VISA Debit card as you will be charged Php100 for every retail purchase.

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® VISA Debit card 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 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +6332 234 9999+6332 234 9999 (Cebu). Citibank Savings clients may contact the 24-Hour Citibank Savings Customer Service Hotline at +632 995 1888+632 995 1888 (Metro Manila) or 1 800 10 995 18881 800 10 995 1888 (outside Metro Manila) through any PLDT landline.

D. Stolen/Lost Card

Please call immediately your Personal Banker or 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu) to report that your card is your lost/stolen. Citibank Savings clients may contact the 24-Hour Citibank Savings Customer Service Hotline at +632 995 1888+632 995 1888 (Metro Manila) or 1 800 10 995 18881 800 10 995 1888 (outside Metro Manila) through any PLDT landline. Please remember that even unauthorized usage of your card will be charged to you until you report it lost/stolen to a CitiPhone® Officer.

E. Disputes

You can raise a complaint in the branch or by calling 24-Hour CitiPhone at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu). Citibank Savings clients may contact the 24-Hour Citibank Savings Customer Service Hotline at +632 995 1888+632 995 1888 (Metro Manila) or 1 800 10 995 18881 800 10 995 1888 (outside Metro Manila) through any PLDT landline. You may raise the complaint up to 60 days after you made the purchase. You will need to fill-up and submit a Cardholder Dispute Form together with supporting documents from the disputed transaction.

If in the course of the investigation, a sales slip(s) is/are retrieved, a P250 sales retrieval fee will be charged to your account for every sales slip retrieval made. For fraud cases, the P250 sales retrieval fee is waived.

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

No. We will first investigate your dispute. You will be notified of the status of your dispute within 60 days. No interest will be paid during the pendency of the dispute. In addition, interest will resume only once the amount is credited back to the account. Please note that coordination will need to be done with BancNet, VISA, and the merchant respectively during the investigation. However, if the transaction is valid, the bank will not credit back any amount to your account.

You can call our 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu). Citibank Savings clients may contact the 24-Hour Citibank Savings Customer Service Hotline at +632 995 1888+632 995 1888 (Metro Manila) or 1 800 10 995 18881 800 10 995 1888 (outside Metro Manila) through any PLDT landline. Please provide the case reference number given to you when you submitted your Cardholder Dispute Form (CDF) together with the supporting documents.

1 Any bank's ATM includes Bancnet, Megalink and Expressnet ATMs only.

Locate your nearest branch or ATM through Find My Citi.

A proud member of Bancnet

Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000

Citibank is regulated by the Bangko Sentral ng Pilipinas. For inquiries or complaints, you may contact Citibank at 995-9999 or the BSP Financial Consumer Protection Department at 708-7087.