Travel & rewards credit cards
Balance transfer credit cards
Low rate credit cards
No annual fee credit card
Citi Ready Credit
Help with loansTravelling Overseas
Please make sure you update your mobile number in Citi Online when travelling overseas, so we can reach you if we detect any irregular transactions on your account.
Before you Travel
Ensure you have done the following before you travel
Ensure you have done the following before you travel
Ensure we have your overseas mobile number
There are inherent risks to using your card overseas such as card theft and skimming. To protect your account security, we will temporarily suspend your account if we suspect your card has been compromised and we can’t contact you. Your account will remain blocked until we can get in touch. To minimise any inconvenience, it's important that we have the mobile number you will be using while overseas.
You can update your mobile number by signing on to Citi Online, click Services > My Profile > Personal Information > View/Update Details > Update Information.
Download the Citi Mobile® App
Download the Citi Mobile® App and register for a mobile One-Time PIN (OTP). This allows you to generate an offline OTP to access your accounts, anywhere in the world. This feature is free to use internationally as no network coverage or internet connection is required to generate an offline OTP.
Please note that the offline mobile OTP function will not work if the time on your device is reset manually. If you would like to update the time on your device, please update the time zone or allow the network to select automatically.
Set up your Citi Mobile® Token to receive One-Time Pin (OTP) overseas
There are two ways you can receive an OTP while overseas.
1. Generate an OTP via the Citi Mobile® App
When you are travelling overseas you may not be able to get an OTP sent to your phone. Instead, you can get an OTP sent via the Citi Mobile® App without internet connection or network coverage.
Make sure you have already set up the Citi Mobile® Token feature in the Citi Mobile® App to generate the OTP.
- Log in to the Citi Mobile® App.
- Tap the 'Profile and Settings' icon on the top left of your app home screen.
- Tap ‘Generate OTP’ under ‘App and Security Settings’.
- Enter your 4-digit Unlock Code (this is the code you nominated when setting up the Citi Mobile® Token).
- The One-Time PIN (OTP) will be generated and you can use it to proceed with your transaction.
You can also generate an OTP by selecting 'Citi Mobile® Token' from your log in screen.
2. Receive an OTP via SMS
To receive an OTP to your mobile phone you will need to activate global roaming before travelling. The SMS OTP has been optimised for international delivery and is still delivered instantly.
Check your card expiry date
If your card is due to expire or it will expire while you are overseas and you have not received your new card, please contact us and our Customer Service Officers can assist.
Memorise your PIN
Just like in Australia, many overseas countries will require a PIN when using your card to make purchases. Change your PIN to one you will remember.
You can change your PIN through the Citi Mobile® App or on Citi Online.
Lost or stolen cards
To protect your account, take action immediately if your card is lost or stolen.
Credit Cards: If your card is lost or stolen you can check recent transactions, report the card as lost or stolen and block it using our digital channels. Learn more >
Alternatively, you can call us on 13 24 84 or +61 2 8225 0615 if you’re calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your card.
Debit Cards: Call us on 13 24 84 or +61 2 8225 0615 if you are calling from overseas and we can assist you with reviewing recent transactions, blocking and replacing your Debit Card.
Travel Tips
Set up Easi-Pay
Set up Easi-Pay which will ensure your minimum repayments or full closing balance are made by the due date each month. You can keep this service when you come back too. Click here to set up Easi-Pay today.
Set up Mobile Wallet
Be prepared with an easy and convenient payment alternative in the event your cards are lost or stolen overseas. Turn your mobile phone into a mobile wallet and experience a faster, more convenient way to pay. Learn more about mobile wallets >
Visit smarttraveller.com.au
This Government website has handy travel tips, advice and all the latest travel advisory warnings.
Keep your card safe
Keep an eye on your card at all times, we encourage you to always pay at the terminal when paying bills in restaurants and other places. Ensure that the merchant only swipes your card through one machine and if you suspect fraudulent behaviour call us straight away on 13 24 84 if in Australia or +61 2 8225 0615 when overseas.
Don't make a record of your PIN number and we encourage you not to use your birth date or any other personal details that could be easily determined.
Don't leave your card in unsecured locations such as in unaccompanied luggage.