Citi | Help and Support | Activate Your Card

Activating your card

The quickest way to activate your card is through the Citi Mobile^® App or Citi Online.

If you are a first-time user

Once you receive your new card, follow the steps below.

Download the Citi Mobile^® App
Click ‘Activate card’ from the app launch screen
Register using your new card number and CVV number

View more information about the Citi Mobile^® App.

If you already have the Citi Mobile^® App

Log in to the Citi Mobile^® App
On the home screen, click 'Activate your card' under the 'Cards' section
Follow the prompts to activate your card. You will need your CVV number to activate.

If you don't have a Citi Online account

You can activate your card at the same time as creating an account.

Visit the Citi Online Sign On page
Click on the 'Register' button above the sign on screen
Follow the prompts to activate your card, register for Citi Online and set up your PIN. You will need your card details and your mobile phone to activate.

If you already have a Citi Online account

Follow the steps below to activate your card.

Log in to your Citi Online account
Select 'My Profile' from the 'Services' menu on the top
Select 'Card Activation' under the 'My Profile' menu on the left
Follow the prompts to activate your card

Activate the digital version of your card before your physical card arrives.

If your card is eligible* for digital activation, you can activate and add it to your mobile wallet using the Citi Mobile^® App.

Log in to the Citi Mobile^® App
If your card is eligible for digital activation, you will see a pop-up message saying 'Your digital card is available'
Click 'Activate digital card' and follow the prompts to activate

Important: Please keep in mind that once your physical card arrives it will still need to be activated. For more information see Digital Card FAQs >

*Digital card activation is currently only available for existing Citi customers applying for the Citi Rewards Card. Check back here for future updates as we will continue to make more cards eligible for digital activation.

Add your card to a digital wallet*

Add your card to Apple Pay

Apple Pay is a secure, safe and contactless way to pay in-store and online.
You can add your card to Apple Pay by following these steps.

Log in to the Citi Mobile^® App
Tap the 'Profile and Settings' icon on the top left
Go to 'Cards / Accounts' section under 'Financial Settings'
Choose your card from the 'Cards' tab
Click on the 'Use with Apple Pay' section and follow the prompts to add your card to Apple Pay.

For more information, go to Apple Pay.

Samsung Pay

Samsung Pay lets you use your compatible Samsung device to securely pay with your Citi card in store and within apps.

To add your card to Samsung Pay follow the steps below:

Download the Samsung Pay app
Sign in using your Samsung Account
Set up your fingerprint for authentication
Take a photo of your card and enter in the remaining required details
Enter in the unique code sent to you via SMS

Find out more about Samsung Pay.

Google Pay is an easy and secure way to pay using your Android^TM phone or compatible smartwatch. Once you've completed the set up process, you'll be able to use Google Pay where contactless payments are available, or where the Google Pay logo appears online.

For more information visit Google Pay or Google Pay FAQs.

Adding an additional cardholder

You can share your card with one additional card holder (16+ only).

To apply for an additional cardholder, follow the steps below:

Log in to your Citi Online account
Select 'Card Services' from the 'Services' menu located in the top menu bar
Click 'Apply for New Card' from the left-hand menu, then select 'Additional Cardholder'
For security, you’ll be asked to enter a One-Time PIN that will be sent to your mobile phone before you can make the change.
Complete all required fields in the online application form to submit your request.

Important: The additional cardholder must activate the card and they will need their mobile number to do so. Please make sure you provide the additional cardholder's mobile number when you apply for the card.

Register for eStatements

Receive eStatements in your inbox, free, each month. You can register in a few easy steps through Citi Online.

Login to your Citi Online account
Select 'My Profile' from the 'Services' menu located in the top menu
Select 'Statements' from the left-hand menu, then click 'Register/Edit eStatement'
Create an eStatement Password. You will need this to open your eStatements.
Agree to the Terms and Conditions and click 'Confirm'.

Note: You must have an email address registered to receive eStatements. The first eStatement will be available in your next statement cycle.

Changing your card PIN

To change your card PIN, follow the steps below.

Log in to the Citi Mobile^® App
Tap the 'Profile and Settings' icon on the top left
Go to 'Cards / Accounts' under 'Financial Settings'
Select your Card from the Cards tab and click on 'Reset PIN'

To change your card PIN follow the steps below.

Log in to your Citi Online account
Select 'My Profile' from the 'Services' menu located in the top menu
Under the 'My Profile' menu on the left, click on 'Change ATM PIN'
Follow the prompts to change your PIN. For security, you’ll be asked to enter a One-Time PIN that will be sent to your mobile phone before you can make the change.

Changing your Debit Card Linkage

To update your Debit Card Linkage follow the steps below.

Log in to the Citi Mobile^® App
Tap 'Profile and Settings' icon on the top left
Tap on 'Cards / Accounts'
Tap on Debit Card
Tap on Account Linkage
Select account link to
Select 'Update'
Select 'Done'

To update your Debit Card Linkage follow the steps below.

Log in to your Citi Online account
Select 'Deposits Services' from the 'Services' menu located in the top menu
Under the 'Deposits Services' menu on the left, click on ‘Debit Card Linkage’
Enter the One-Time PIN when prompted. The One-Time PIN will be sent to your registered mobile number.
Select your Debit Card under the Dropbox
Select the account you want to link to the Debit Card, Click Next
Verify the Debit Card linkage details, Click Confirm
Your Debit Card is now linked, Click Done

Get rewarded for making everyday payments on your card

Pay and earn Points using your Citi Credit Card with Citi PayAll.¹ You can earn Points on regular payments including rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more.

You can set up Citi PayAll¹ using the Citi Mobile^® App.

Find out more >

Complimentary mobile phone insurance

Complimentary mobile phone insurance is available for Citi credit card holders who pay their Monthly Mobile Plan with an eligible Citi credit card or Linked Diners Club Card. T&Cs apply.*

Find out more >

Instalment plans

With a Citi instalment plan, you can turn your big expenses into monthly repayments at a fixed interest rate over a set term.

Find out more >

Frequently asked questions

How do I report a lost or stolen Credit Card?
Contact us on 13 24 84 or from overseas +61 2 82250615, as soon as you realise your card is lost or stolen. One of our Customer Service Officers will review your recent transactions, block your account to stop any fraudulent activity and organise to issue you with a new card.

If your card is missing or you are concerned about fraudulent activity you can block your card using the Citi Mobile^® App.

Login to the Citi Mobile^® App

Click on the profile icon at the top left and go to Cards / accounts

Click on the button ‘Report lost/stolen for credit card’

Select the card you want to report missing and follow the prompts to block it

You can also deactivate your Credit Card via Citi Online. Simply log in, click on Services, My Profile, then card Activation and follow the prompts to deactivate.
How is my card protected against fraud?

We use a sophisticated network of secure systems across all your accounts, including your Credit Cards. Together these levels of protection safeguard you against Credit Card fraud, and you can shop safely either on the spot or online knowing you are protected.
Is it safe to use my card for online shopping?

As part of our ongoing commitment to keeping your transactions safe, we have implemented Secure Shopping of Mastercard SecureCode and Verified by Visa - which will provide added security to ensure only you can use your Citi Debit or Credit Card to make purchases online.
What do I do if I think someone has fraudulently used my card?

If you think someone has fraudulently used your card, please contact our Customer Service Centre soon as possible, at any time, on 13 24 84 or our international customer service number +61 2 8225 0615.

We will review your recent transactions, block your account to stop any fraudulent activity and organise to issue you with a new card.
How do I increase or decrease my Credit Card limit?

Please contact our Customer Service Centre on 13 24 84 or our international number +61 2 8225 0615 to inquire about increasing or decreasing your Credit Card limit.
What should I consider before travelling overseas?

Below are some tips for you to ensure you can access your funds while you are travelling overseas:

Please provide us with your travel details, in the event that we need to contact you when you're overseas. If you use Citi Online, please ensure that your mobile phone is set up with International Roaming, this will ensure you receive your OTP when you are transacting online.

Remember your Citi Credit Card may include international benefits like earning more Points when you spend internationally, as well as International Travel Insurance cover and Priority Pass lounge access. Check what benefits your Citi Credit Card gives you.

Managing your account

Find out how you can manage your money and learn more about all of our convenient access methods to make the most of your Citi Debit card.

Find out more >

Discover the Citi Mobile^® App

Enjoy the convenience of managing your finances on the go with the Citi Mobile^® App.

Find out more >

Contact us

Find contact details for all our products and services.

Card Activation

Find out how to activate your card

Getting the most out of your card

Frequently asked questions