Travel & rewards credit cards
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Citi Ready Credit
Help with loans
How to activate 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
- From 26 February 2024, if you're a new Ready Credit account holder, you can register using your new card number and government ID such as a driver licence, Medicare number or passport.
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 new 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'll need to register and create a Citi Online account to activate your card this way.
Register for Citi Online here >
Follow the prompts to register for Citi Online, activate your card and set up your PIN. You will need your card details and your mobile phone.
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
Digital card activation is currently available for existing Citi customers applying for the Citi Rewards Card and new and existing Citi customers applying for Citi Ready Credit.
If your card is eligible for digital activation, you can activate it and add it to your mobile wallet before your physical card arrives.
Citi Rewards card
- 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
Ready Credit
- Open the Citi Mobile® App. On the launch screen, tap ‘New? Create a login account’ button
- Tap ‘Don't have a physical card yet?’ button
- Follow the prompts . See more detailed instructions here
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 >
Check back here for future updates as we will continue to make more cards eligible for digital activation.
Getting started
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.
- Select 'Card details' under 'Cards'.
- Select the card you want to add, then tap the 'Add to Apple Wallet' button.
- You will be redirected to Apple Pay to add your card to Apple Wallet.
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 AndroidTM 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 up to 4 additional cardholders (16+ only).
To apply for an additional cardholder, follow the steps below:
- Sign on to Citi Online
- 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.
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 of your app home screen.
- Tap 'Card PIN' under 'Cards'.
- Select your card, tap 'Change card PIN' and follow the prompts.
(You don't need to know your current card PIN to change it).
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.
Getting the most out of your card
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.
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. T&Cs apply.*
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.
Frequently asked questions
Frequently asked questions
How do I report a lost or stolen Credit Card?
How is my card protected against fraud?
Is it safe to use my card for online shopping?
What do I do if I think someone has fraudulently used my card?
How do I increase or decrease my Credit Card limit?
What should I consider before travelling overseas?
Related help guides
Help and support
Explore our online help guides and learn more about our products and services.
Useful forms and links
See additional resources for our products and services that will help you set up and use your account.
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