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A heartfelt thank you for your unwavering support during the transition of Citi's consumer business in India to Axis Bank, which we will complete by July 15th, 2024. As we move forward together and discover new opportunities in banking, I hope you are enjoying your journey with us at Axis Bank so far. We are diligently integrating your data into Axis Bank systems for a seamless migration and designing products to bring you the best of both organizations while minimizing changes to your banking experience.
Post the final migration, amongst other things, you will be able to:
• Access 5100+ Axis Bank branches for all your banking needs.
• Experience award-winning digital capabilities via our Internet Banking and Mobile Banking
App,
open.
• Get onboarded with the best-in-class Axis Bank products across banking and cards.
Please take a moment to explore our diverse range of products, handpicked and curated for your distinct needs.
I hope in the last few months, we have been able to demonstrate our values of customer centricity, inclusivity, and empathy to you in a meaningful manner. As we move forward, be rest assured that we will keep you and your needs at the heart of everything we do.
Once again, thank you for being a part of our 40 million-strong family.
Warm regards,Amitabh Chaudhry
Our commitment to a seamless transition
We are ensuring a smooth transition journey for you with minimal changes to the way you bank or use your card.
Your account & card details
will remain the same.
- Your account numbers and credit & debit card numbers will remain unchanged.
- ATM and credit card PINs and tokens will be migrated as is.
No change in features &
benefits of your product(s)
- Your existing product benefits will remain the same and we have introduced exciting new features to elevate your experience.
Value and benefits of your
reward points / miles remains unchanged
- Your accumulated reward points earned until the migration date will be converted to Axis Bank EDGE REWARDS.
- The value and benefits of these points / miles will remain the same and they will never expire.
No change in the way
you make payments
- Standing instructions, payees, and billers will be migrated without any change.
- All your NACH mandates for loan EMIs and mutual fund subscriptions will be migrated centrally.
Access extensive network and enhanced
suite of products & services
- Access 12000+ ATM and 5300+ branches with locker access at over 3800+ branches.
- Leverage the expertise of the Axis Franchise with Axis Finance | Axis Capital | Axis Securities | Axis Mutual Fund | Axis Trustee.
Experience the best of Axis at your fingertips
- Embrace best-in-class, award winning digital banking capabilities with Axis Bank Internet and Mobile Banking App, open.
- Access over 250+ banking services at the tap of the finger.
Download worlds highest rated banking app, open
Frequently Asked Questions
Bank Accounts
- General
- Card Services
- Reward Points
- Statement & Payments
- Fees, Interest & Charges
- Product Specific
- Miscellaneous
When is the migration from Citi Bank to Axis Bank expected to occur for all my banking relationships?
As you are aware, Citi India has transferred ownership of its consumer banking business to Axis Bank, effective 1 March 2023. As part of this transition, all Citi banking relationships will be migrated to Axis Bank platforms. The migration of your Citi-branded card will be completed by 15th July 2024. We will keep you informed of any changes to this timeline.
Upon completion of the migration, i.e., 15th July 2024 onwards, you will be able to enjoy the benefits of Axis Bank cards on your existing Citi-branded card (s). Your new Axis Bank cards will be dispatched to you within a few months after the migration and we will share more details with you in due course.
What changes should I expect on my credit card transaction experience post migration?
Please refer to the details below on what changes and what remains the same on your card(s) post migration date:
| Card features and services | Pre migration day | Post migration day | ||
|---|---|---|---|---|
| Card details | Card PIN | Remains same | ||
| Card number, expiry date and CVV | Remains same | |||
| Card controls and limits (Point of Sale, Contactless, E-commerce, ATM and International transactions) | Remains same 2 | |||
| Credit Limit | Remains same 2 | |||
| Fees and statements | Outstanding balances and ongoing EMIs | Remains same | ||
| Billing cycle – Statement generation date and payment due date | Remains same | |||
| Annual fees and spend based fee waivers | Remains same | |||
| Statement preferences (Digital / physical) | Remains same | |||
| Payment channels | Citi channels | Axis Bank channels | ||
| Digital services – Mobile or Internet Banking | Citi Mobile / Internet Banking | Mobile Banking app open / Internet Banking | ||
| Customer Service support | CitiPhone 1860-210-2484 | Axis Phone Banking 1860-419-5555 | ||
| Recurring payments / standing instructions | No impact | |||
| Auto debit / eNACH mandates for repayment of credit card bills | No impact3 | |||
| Saved card/ token on ecommerce merchants (card-on-file) | No impact | |||
| Existing Biller registrations on Citibank Online Bill Pay and Citi Mobile‘ App | No impact | |||
| Transaction alerts (OTP, transaction, statement alerts) | Citi branded | Axis Bank branded | ||
| E-commerce payment authentication portal | Citi branded | Axis Bank branded | ||
• Note: Please note that your Citi-branded Card(s) will be migrated by July 15, 2024, and we will keep you updated in case of any changes.
• Credit Limit: Post migration, you will enjoy a single aggregate credit limit across all your Citi-branded Credit Card(s) and Axis Bank Credit Cards you hold currently. This limit will be the sum of the limits of Citi-branded Card limits and the Axis Bank aggregate limit you enjoy currently. In case you hold a Fixed Deposit backed credit card with Axis Bank, limit for the same will be available only on the Fixed Deposit-backed card and will not be a part of the aggregate limit available to the unsecured cards.
• e- NACH Mandates: For existing e-NACH mandates for your card repayment, presentation will be done to your bank 3 days prior to the payment due date (PDD), to ensure timely credit to your credit card account.
What are the key milestones to look out for with the upcoming migration of my Citi branded Credit Card(s) to Axis Bank?
Please find below the key milestones in your migration journey:
| Key milestone date | Important information to note |
|---|---|
| Before migration day1 | • Continue to use your Citi-branded card (s) seamlessly, along with access to Citibank Online Account and Citibank Mobile‘ App • Expect limited services interruption on your card services a few days before migration You will be informed of the details in advance. |
| On migration day1 | • Migration of your Citi relationship to Axis Bank Expect limited services interruption, including your access to Citibank Online Account, Citibank
Mobile‘ App, and cash advance withdrawals. • Avail benefits of the new Axis Bank card (s) on your existing Citi-branded card (s) |
| Post migration day1 | • Migration completed for transfer of your Citi relationship to Axis Bank Download and register on Axis Bank Mobile Banking App, open to start viewing all your Citi relationship. If you are an existing customer of Axis Bank, login to view your migrated account(s). Continue using your existing Citi Card seamlessly and enjoy the benefits of your new Axis Bank card. • Reward point redemption available, including those rewards previously earned, through Axis Bank EDGE REWARDS portal. |
| H2 2024 | • Your Citi branded Card(s) will be replaced by a new Axis branded Card(s). We will keep you updated in this regard. |
Note: Please note that your Citi-branded Card(s) will be migrated by July 15, 2024, and we will keep you updated in
What will be the name of my Citi-branded Credit Card post migration?
Please refer the table below to find out the name of your new credit card effective migration day:
| Existing product name | New product name | Detailed Terms and Conditions |
|---|---|---|
| Citi Rewards Credit Card | Axis Bank REWARDS Credit Card | Click Here |
| IndianOil Citi Credit Card | IndianOil Axis Bank Premium Credit Card | Click Here |
| Citi PremierMiles Credit Card | Axis Bank Horizon Credit Card | Click Here |
| Citi Cash Back Credit Card | Axis Bank Cashback Credit Card | Click Here |
| First Citizen Citi Credit Card | Axis Bank Shoppers Stop Credit Card | Click Here |
| Citi Prestige Credit Card | Axis Bank Olympus Credit Card | Click Here |
| Citi Business Credit Card | Axis Bank REWARDS Credit Card | Click Here |
| CitiBusiness IOC Credit Card | IndianOil Axis Bank Premium Credit Card | Click Here |
| IKEA Family Credit Card by Citi | IKEA Family Credit Card by Axis Bank | Click Here |
How do I access my card post the completion of migration? Will I be able to access my card with Citibank Online Account / Citi Mobile‘ App credentials?
Until the migration takes place, you may continue to use Citibank Online Account and Citi Mobile‘ App for accessing your card(s). Post-migration, if you are an existing Axis Bank customer, you may continue to use your existing Axis Bank credentials to log in to Axis Bank Mobile App or Internet Banking to access your card(s). If you are not an existing Axis Bank customer, please register for Axis Bank Internet Banking/ Mobile App using existing Citi-branded Card credentials. You can download the Axis Bank Mobile App at here while the Internet Banking can be accessed at here.
Will I have to submit any applications or documents for migration to Axis Bank?
No, you do not need to sign or submit any forms or documents for the migration to Axis Bank. On migration day, your existing Citi-branded Cards and Citibank account(s) will be transitioned to Axis Bank card and Axis Bank account(s). We will keep you informed in case there is any action required from your end.
How and when will I get to know my Axis Bank Customer ID?
If you are an existing Axis Bank customer, you have already been assigned a unique Axis Bank Customer ID. Post the migration, your entire Citi relationship will be mapped to your existing Axis Bank Customer ID.
In case you do not have an existing relationship with Axis Bank, your new Axis Bank Customer ID will be communicated via SMS and e-mail using your registered contact details, a few weeks before migration. More details will be shared with you separately.
What are the various customer service channels available to me?
Before migration: Please reach out to Citibank customer service channels at 1860 210 2484 for any assistance. For more information, click here.
After migration: Please reach out to Axis Bank customer service channels for any assistance you may need. Our teams are equipped to help you with any questions you may have, including those related to your Citi relationships and the migration process.
For more information on Axis Bank’s customer service channels, please refer to the following link: click here
Post migration, how can I block my credit card in case of any fraudulent activity?
Post migration date, should you wish to block your credit card, please use the Axis Bank service channels as detailed below:
- SMS BLOCKCARD to 56161600 or +918691000002 from your registered mobile number
- Call Phone Banking at 1860-419-5555 or visit the nearest Axis Bank branch to block your credit card.
- Internet Banking:
- Login to Axis Internet Banking
- Go to Cards
- Select Credit Cards
- Select the respective Credit Card you want to block
- Click on Block Credit Card
- Axis Bank Mobile App:
- Login to Axis Bank Mobile App
- Click on More
- Select Other Services
- Choose Block Credit Card
Post migration, what are the channels I can use for raising a dispute or reporting a transaction as fraudulent?
On migration day, rest assured, all your ongoing disputes will be migrated to Axis Bank platform.
Post migration, you can use the Axis Bank service channels to raise any new dispute or report a fraudulent transaction:
- i. Axis Bank Website:
- Go to the “Support” section which can be accessed here
- Scroll down to the “Reach us here” menu
- You can choose the below options to raise a dispute or report a fraud:
- Connect via Email
- Connect via ‘Chat with Agent’
- ii. Axis Bank Mobile Banking App, open:
- Select “Support” on the landing page
- Scroll down to the “Reach us here” menu
- You can choose the below options to raise a dispute or report a fraud:
- Connect via Email
- Connect via ‘Chat with Agent’
- Choose Debit Cards
- Select Block and Replace
- iii. Call Phone Banking at 1860-419-5555, 1860-500-5555 or 1800-103-5577 (Toll Free Number)
- iv. Visit your nearest Axis Bank branch to raise a dispute or report a fraudulent transaction
What are the channels which will be used to inform me in case of a fraudulent transaction on my card post migration?
As part of the transaction monitoring process, you will now be able to confirm or dispute un-authorized transactions over an automated IVR call or SMS sent to your registered mobile number or registered email-ID.
How will my unresolved service request/disputes be managed post migration?
Rest assured, all your ongoing service request / disputes will be migrated to Axis Bank platforms on migration day.
Post migration, all your existing service requests / complaints / disputed transactions will be managed by Axis Bank. You may contact Axis Bank phone banking (1860 419 5555 & 1860 500 5555) with the complaint ID for resolution.
What will happen to my accumulated reward points or miles on my old/ existing Citi branded Card?
All your unredeemed reward points, as of migration day, will be migrated and converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own, while ensuring that the monetary value remains the same. The points accumulated till the migration date will remain never expiring. However, points earned post migration will expire after three years. E.g.: Points earned on 10 th August 2024 will expire on 10th August 2027
Points earned post migration will also expire in case you have made no transaction, no reward redemption and have not logged in to your EDGE REWARDS portal in a period of 365 days.
To understand the value of your accumulated reward points post migration, refer to the rewards calculator here.
Please note, your reward balances across all banking products will be consolidated and can be viewed on Axis Bank Mobile App or EDGE REWARDS portal.
Please refer to the table below for conversion details:
| S. No. | Citi Product Name | Axis Bank Product Name | Reward Conversion Details |
|---|---|---|---|
| 1 | Citi Rewards Credit Card | Axis Bank Rewards Credit Car | 1 Reward Point = 1.75 EDGE REWARDS |
| 2 | IndianOil Citi Credit Card | IndianOil Axis Bank Premium Credit Card | 1 Turbo Point = 1 EDGE Mile |
| 3 | Citi PremierMiles Credit Card | Axis Bank Horizon Credit Card | 1 Mile = 0.45 EDGE Miles |
| 4 | Citi Prestige Credit Card | Axis Bank Olympus Credit Card | 1 Reward Point = 1 EDGE Mile |
| 5 | Citi Business Credit Card | Axis Bank Rewards Credit Card | 1 Reward Point = 2.5 EDGE REWARDS |
| 6 | CitiBusiness IOC Credit Card | IndianOil Axis Bank Premium Credit Card | 1 Turbo Point = 1 EDGE Mile |
| 7 | IKEA Family Credit Card by Citi | IKEA Family Credit Card by Axis Bank | 1 Reward Point = 1 EDGE REWARD |
Note: Even though there may be changes in number of reward points on your card(s) post migration, the monetary value of your reward points will continue to remain the same.
What redemption options will I be able to enjoy on my Axis EDGE REWARD Points / EDGE Miles after migration?
Rest assured, you can continue to redeem your reward points through existing redemption options. After migration, you can redeem your Axis EDGE REWARD Points / EDGE Miles through multiple redemption options across various channels, depending on your card type.
CREDIT CARD:
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link.
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link.
• SMS based redemption
• In-store (POS) based redemption at partner stores/ merchants
FFor details on rewards redemption T&s;Cs, please click here:
For details on partner miles conversion or Miles Transfer program, please visit:
Which points will be redeemed first during redemption: migrated Citi points or points earned after migrating to Axis Bank?
After migration, all your migrated Citi points will be treated as if earned in Axis on the migration day. Points earned directly in Axis will retain their original earn dates.
• If you are only a Citibank customer, with no existing Axis Bank relationship until migration day, then your Citi points will be redeemed first, followed by Axis points which are earned after migration.
• If you are an existing Axis Bank as well as Citibank customer, then points earned in Axis before migration day will be redeemed first, followed by Citi points. Any reward points earned after migration day across all your cards will be redeemed as per their respective earn dates.
I have a Citi Rewards Credit Card, and I can redeem my reward points only after collecting 10,000 points. Will my reward points be migrated to the Axis Bank card if my accumulated points are less than 10,000?
Yes, all your unredeemed reward points earned on the Citi Rewards Credit Card up to the migration date will be converted to Axis EDGE REWARD Points. Rest assured, the value and benefits of these points will remain unchanged, and they will continue to never expire. The migration of reward points to Axis Bank does not depend on the number of points you have earned.
Will I be able to view the reward points earned for each transaction?
Yes, for transactions completed after migration, you will be able to view corresponding rewards points earned against each transaction, on the Axis Bank Mobile app and Axis Bank EDGE REWARDS website.
Additionally, all unredeemed Citi reward points earned as of migration day, will be converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own and will be available at a cumulative level on Axis Bank mobile app and EDGE REWARDS website.
Please follow the below steps to view your reward points post migration to Axis Bank:
• Log in to Axis Bank Internet Banking or Mobile App
• Go to Menu (☰)
• Click on ‘Reward Points’
• Click on ‘Transaction History’
• Visit ‘Earns’ or ‘Redemption’ section to see the points earned and redeemed per transaction
Will the rewards redeemed in credit or cash be deducted from the amount due on my statement?
Yes, the rewards redeemed in credit or cash will be adjusted against both the Minimum Amount Due and the Total Amount Due on your statement.
Will I be charged any fees while redeeming my reward points?
There will be no redemption fee applied to your credit cards.
Post migration, can I continue to avail offers which were applicable on my Citi branded Cards?
Post migration, there will be change in the offers applicable on your Citi-branded card(s). You can avail offers across categories that are valid on your Axis Bank card (s). Additionally, you will be able to enjoy up to 50% instant discount on 150+ partner brands with your Axis Bank card, post migration. For the detailed list of offers, please visit our GRAB DEALS page
I’m awaiting refund/reversal on one of my Credit card purchases. Will that be impacted due to migration?
No, there will be no impact on your refund / reversal due to migration. They will be processed as and when they are received from the merchant. These can be viewed on your Citibank Online Account or Citi Mobile ® App before migration and on Axis Bank Mobile App or Internet Banking platform after migration.
How do I pay my credit card bills after migration?
Post migration, please make payments towards your credit card outstanding via various payment methods as detailed below:
Note: Please ensure that payments are made against your replacement credit card number
Pay from Axis Bank Savings Account
• Axis Bank Internet Banking
• Axis Bank Mobile Banking App, open
• Auto Debit
• Pay at ATM
• Cash/ Cheque Payment *
Note: For repayments done through cheque, credit will be processed to your card account when funds are 18ealized at Axis Bank’s end.
Pay from other bank savings account
Pay via UPI (from any UPI enabled application like Google Pay, PhonePe etc.).
NEFT facility using the below details:
| Beneficiary Name | Name as on Credit card |
|---|---|
| Beneficiary Bank Name | Axis Bank |
| Beneficiary Branch Name | Mumbai |
| Beneficiary Account Number | Your 16-digit Credit card number |
| IFSC Code | UTIB0000400 |
For further details, please refer the following link.
Will I be able to access historical transactions and statements for my credit card after migration on Axis Bank mobile App/ Internet Banking?
Post migration, you will be able to view your credit card statements for the past 18 months using Axis Bank Mobile App or Internet Banking.
Will the auto-debit facility set up for repayment of my credit card bill remain active post migration?
Yes, your existing auto-debit facility will remain active on your replacement card, post migration day.
Will the existing standing instructions/ recurring payments set up on my card continue to work after migration?
Yes, any standing instructions/ recurring payments that you currently have in place with merchant/ product/ service providers such as for OTT subscriptions (such as Netflix etc.), Mutual Funds and SIPs, insurance payments, utility bill payments, etc. will continue to work after migration as usual.
After migration, please sign-up here to view and manage standing instructions set up on your card
Please find the detailed steps below:
• Visit Axis Bank SI Hub portal at: here
• Click on Sign-up
• Enter profile details (name, email address) and set up your account password
• Verify your details using the verification code and submit
• Upon successful verification, ‘Add Your Card’ screen appears
• Enter your card details and proceed for ACS authentication
• After successful authentication, ‘Login’ to manage your standing instructions through the profile details & password set earlier.
I have my card details saved at online merchants (e.g., Flipkart, Zomato). Do I need to save my card details again?
No, you can continue use your card details saved at online merchants (e.g., Flipkart, Zomato) after migration as usual.
Please note that once you receive your new Axis Bank card(s) within a few weeks after migration, we request you to save your card details again at the online merchants. More details will be shared with you in due course.
Will my existing billers registered on BillPay continue to remain active after migration and how can I view them?
Yes, any biller that you have registered on BillPay, will continue to remain active post the migration.
You can view your existing BillPay registrations through the Axis Bank mobile app, post migration by following the below steps:
Login to Mobile Banking App
Select Pay Bills under the Payment section.
View all your existing Bill Pay registrations.
In case you face any challenges, please reach out to the Phone Banking team.
What fees and charges will apply to my credit card after migration?
You can access the detailed list of charges in the Axis Bank MITC (Most Important Terms and Conditions) through the following link:
Please note:
• Interest for the statement generated after migration will be as per Axis Bank rates (please refer MITC for details). However, in case there is an interest amount pertaining to a billing cycle prior to migration, same will be calculated using the applicable Citi interest rates and billed to you post migration if applicable.
• There have been changes to the forex markup levied on transaction reversals, late payment charges, cash advance fees, fuel surcharge waiver, and payment bounce fees. Please refer to the MITC document for more details.
After migration, will there be any change in annual fees charged on my Citi-branded card (s)?
No, there will be no change in the annual fees on your Citi-branded card post-migration. In case there are no annual fees applicable on your card, it will continue as-is even after the migration. In case there are any changes, we will inform you in advance.
I paid my annual fees before the migration. Will I be charged again, and will my renewal benefits change?
You will only be charged an annual fee in line with your existing annual fee cycle, i.e. a year after your last payment. You can continue to enjoy renewal benefits hassle-free. In case of any change, the same will be communicated in advance.
I have recently replaced / swapped my credit card. Will I be charged again, and will my renewal benefits change?
No, you will not be charged any additional annual fees on your replacement card, if you have already paid the fees in line with your existing annual fee cycle, i.e. a year after your last payment. In case of any change, the same will be communicated in advance.
I have met or exceeded the spending threshold my current membership year. Does this make me eligible for a spend-based fee waiver (SBFW)?
If you have met or exceeded the specified threshold applicable during your current membership year, you will be exempt from the annual fees as usual.
Additionally, in case you have not met your spending threshold yet, your spending progress history will also be migrated to Axis Bank. You can then continue to spend on your Axis Bank card to achieve the spend based fee waiver.
For e.g., if your annual fee cycle is from 1st January 2024 to 1st January 2025, and till the date of migration, you have met 40% of your existing spend threshold to achieve the annual fee waiver, this spend history will be migrated to Axis Bank on migration day, and your annual fee cycle will remain the same. After the migration, you can continue to spend on your Axis Bank card to achieve your remaining 60% spending threshold requirement and enjoy the annual fee waiver, before your next annual fee cycle date of 1st January 2025
Will the interest rate on my card’s EMI facility remain the same after migration?
Any EMIs (Equated Monthly Instalments) plans taken before migration will be maintained at the current interest rate. EMIs taken after migration will be bound by Axis Bank’s terms and conditions. Please refer to Axis Bank Terms & Conditions for more information through the following link:
Would there be any change to the schedule of my existing EMIs?
Post migration, your EMIs will be billed on the last EMI date plus 1 month, in your monthly credit card statement.
Will there be any change in the loan tenure post migration?
There will be no change in the loan tenure. However, after the migration, the representation of the total loan tenure for your credit card instalment plan will increase by 1 month. The initial interest, which was previously represented in Month 0, will now be represented in Month 1. Consequently, the instalment numbers on your monthly credit card statements will be adjusted accordingly.
For example, if your credit card statement initially mentioned 3/48 EMIs pre-migration, the new statement will mention 5/49 post migration. This means that if you initially had a 48-month loan plan, your monthly statements will show the initial interest in Month 1, the first EMI in Month 2, and the 48th EMI in Month 49.
Please note, while the numbers and representation change, there is no change in the EMI amount, rate of interest, total amount due etc.
Post migration, can I convert my credit card transactions to EMIs, and what is the timeframe for doing so?
Post migration, Axis Bank will offer you the convenience to convert transactions of Rs. 2500 or more (excluding cash and gold purchases) to EMIs. You have a 60-day window from the transaction settlement date to make the conversion. Transactions can be converted to EMIs through different channels such as Internet Banking, Axis Bank Mobile App and Phone Banking. For details on channels, click here.
What will be the charges for foreclosure of EMI/ loan?
The charges for foreclosure of EMI/ loan will be as follows:
• Pre migration day:
A flat foreclosure fee of 3% on principal outstanding at the time of foreclosure, will be levied along with service tax except for Merchant EMI Transactions.
• Post migration day:
A foreclosure fee of 3% on principal outstanding at the time of foreclosure or Rs. 300 whichever is higher will be levied along with service tax except for Merchant EMI Transactions.
I hold a Citi rewards credit card. Which new card will I get and what will be the associated benefits?
Your existing Citi Rewards credit card will be converted to Axis Bank REWARDS credit card on migration. Your new Axis Bank REWARDS credit card will be delivered to you in the coming few months. However, you can start enjoying the following benefits of your new card post migration while you may still hold your existing card :
Unlimited 2 EDGE REWARD points on every INR 125 spent
Accelerated 20 EDGE REWARD points for every INR 125 spent on Apparel and Departmental Stores
Earn 1500 EDGE REWARD points on net spends of INR 30,000 every statement cycle
Complimentary lounge access twice per quarter at select domestic airports
Get a 30% discount on Swiggy twice a month
And many more...
*Terms and Condition Apply
I hold an IndianOil Citi Credit Card. Which new card will I get and what will be the associated benefits?
As a IndianOil Citi Credit Card holder, you will be offered the IndianOil Axis Bank Premium Credit Card upon completion of the migration. Your new IndianOil Axis Bank Premium Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing IndianOil Citi Credit Card:
Earn 6 EDGE Miles for every Rs.150 spent on fuel transactions at registered IOCL outlets
Earn 2 EDGE Miles for every Rs 150 spent on groceries
Earn 1 EDGE Miles for every Rs 150 spent on other categories
Redeem EDGE Miles for free fuel instantly at IOCL Outlets or convert to IndianOil XTRAREWARDS
Redeem EDGE Miles across travel, partner outlets, airline miles, catalogue purchases and cashback
Now, enjoy complimentary lounge access twice per quarter at select domestic airports
Get 30% off on Zomato food delivery twice a mont
Enjoy 1% fuel surcharge waiver on fuel transactions across 35,000+ IOCL outlets in India
And many more.
*Terms and Condition Apply
I hold a Citi PremierMiles Card. Which new card will I get and what will be the associated benefits?
As a Citi PremierMiles Card holder, you will be offered the Axis Bank Horizon Credit Card upon completion of the migration. Your new Axis Bank Horizon Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing Citi PremierMiles Credit Card:
Earn 5 EDGE Miles for every Rs 100 spent on Axis Bank Travel EDGE website & airline spends
Earn 2 EDGE Miles for every Rs 100 spent on other categories
Redeem EDGE Miles for bookings using Axis Bank Travel EDGE portal and across catalogue purchases and partner outlets
Transfer EDGE Miles to your preferred airline and hotel loyalty programs
Now, enjoy 2 complimentary lounge visits per quarter at international airports
Continue to enjoy up to 8 complimentary lounge visits per quarter at domestic airports
Enjoy 25% off up to Rs 800 on dining via EazyDiner once per month
Get 1% fuel surcharge waiver on fuel transactions
Stay secured with a lost card liability cover of Rs 10 Lakh
And many more.
*Terms and Condition Apply
I hold a First Citizen Citi Credit Card. Which new card will I get and what will be the associated benefits?
As a First Citizen Citi Credit Card holder, you will be offered the Axis Bank Shoppers Stop Credit Card upon completion of the migration. Your new Axis Bank Shoppers Stop Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing First Citizen Citi Credit Card:
Earn 20 FIRST CITIZEN Reward Points for every Rs 200 spent on private label brands at Shoppers Stop
Earn 12 FIRST CITIZEN Reward Points for every Rs 200 spent on other brands at Shoppers Stop
Earn 2 FIRST CITIZEN Reward Points for every Rs 200 spent for other categorie
Enjoy complimentary Shoppers Stop Golden Glow membership and exclusive sale previews
Enjoy 15% discount up to Rs 500 on dining via EazyDiner once per month
Enjoy 1% fuel surcharge waiver on your fuel spends
And many more.
*Terms and Condition Apply
I hold a Citi Cash Back Credit Card. Which new card will I get and what will be the associated benefits?
As a Citi Cash Back Credit Card holder, you will be offered the Axis Bank Cashback Credit Card upon completion of the migration. Your new Axis Bank Cashback Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing Citi Cash Back Credit Card:
Enjoy up to 7% cashback on online spends
Enjoy Unlimited 0.75% cashback on travel and offline spends
Get 0.5% cashback up to Rs 100 on Utility bill payments every month
Get 25% off up to Rs 800 on dining via EazyDiner once a month
Enjoy auto statement credit of full cashback amount on spends done in current statement cycle before your next statement date
And many more.
*Terms and Condition Apply
I hold an IKEA Family Credit Card by Citi. Which new card will I get and what will be the associated benefits?
As an IKEA Family Credit Card by Citi holder, you will be offered the IKEA Family Credit Card by Axis Bank upon completion of the migration. Your new IKEA Family Credit Card by Axis Bank will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing IKEA Family Credit Card by Citi:
Earn 3 EDGE REWARD Points for every Rs 100 spent at IKEA India private limited
Earn 2 EDGE REWARD Points for every Rs 100 spent on dining
Earn 1 EDGE REWARD Points for every Rs 100 spent on other eligible categories
Redeem EDGE REWARD Points at IKEA stores instantly via SMS
Enjoy 15% discount up to Rs 500 on dining via EazyDiner once per month
Avail an attractive interest rate of 13% p.a. on EMI conversions at IKEA stores
Get 1% fuel surcharge waiver on fuel transactions
And many more.
*Terms and Condition Apply
I hold a Citi Business Credit Card. Which new card will I get and what will be the associated benefits?
As a Citi Business Credit Card holder, you will be offered the Axis Bank REWARDS Credit Card upon completion of the migration. Your new Axis Bank REWARDS Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing Citi Business Credit Card:
Earn 20 EDGE REWARD Points for every Rs 125 spent on Apparel &s; Departmental Stores
Unlimited 2 EDGE REWARD Points for every Rs 125 spent on other categories
Earn 1,500 bonus EDGE REWARD Points on net spends of Rs 30,000 every statement cycle
Now, enjoy complimentary lounge access twice per quarter at select domestic airports
Get a 30% discount on Swiggy twice a month
And many more.
*Terms and Condition Apply
I hold a CitiBusiness IOC Credit Card. Which new card will I get and what will be the associated benefits?
As a CitiBusiness IOC Credit Card holder, you will be offered the IndianOil Bank Axis Premium Credit Card upon completion of the migration. Your new IndianOil Bank Axis Premium Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing CitiBusiness IOC Credit Card:
Earn 6 EDGE Miles for every Rs.150 spent on fuel transactions at registered IOCL outlets
Earn 2 EDGE Miles for every Rs 150 spent on groceries
Earn 1 EDGE Miles for every Rs 150 spent on other categories
Redeem EDGE Miles for free fuel instantly at IOCL Outlets or convert to IndianOil XTRAREWARDS
Redeem EDGE Miles across travel, partner outlets, airline miles, catalogue purchases and cashback
Now, enjoy complimentary lounge access twice per quarter at select domestic airports
Get 30% off on Zomato food delivery twice a month
Enjoy 1% fuel surcharge waiver on fuel transactions across 35,000+ IOCL outlets in India
And many more.
*Terms and Condition Apply
I hold a Citi Prestige Credit Card. Which new card will I get and what will be the associated benefits?
As a Citi Prestige Credit Card holder, you will be offered the Axis Bank Olympus Credit Card upon completion of the migration. Your new Axis Bank Olympus Credit Card will be delivered to you in due course. Post migration, you can start enjoying the benefits of your new card, which are detailed below, with your existing Citi Prestige Credit Card:
Earn 2 EDGE Miles on every Rs 100 spent on international transactions
Earn 1 EDGE Mile on every Rs 100 spent on other spends
Redeem EDGE Miles for travel bookings via Axis Bank Travel EDGE portal and across partner outlets, airline miles, and catalogue purchases
Enjoy unlimited complimentary access to domestic and international airport lounges
Enjoy annually up to 20 complimentary lounge visits for accompanying guests
Enjoy 8 complimentary golf rounds/lessons annually for primary cardholder and 1 guest across leading clubs in India
Get 1 additional golf round/ lesson for every Rs 50,000 spent in a membership year
Enjoy a complimentary night stay when booking a minimum consecutive three-night stay at participating hotels or resorts twice a year
Enjoy lower forex mark-up of 1.8%
Enjoy complimentary Taj Epicure membership annually on card renewal
Enjoy complimentary ticket on every ticket purchased for 2 movie and 2 non-movie shows, per month, on BookMyShow
Enjoy exclusive offers on dining via EazyDiner
And many more.
*Terms and Condition Apply
Post migration, will the credit limit on my credit cards remain the same?
Post migration, you will enjoy a single aggregate credit limit across all your Citi-branded and Axis Bank Credit Cards you hold currently. This limit will be the sum of the limits on your open Citi-branded Credit cards and the Axis Bank aggregate credit limit you enjoy currently. This aggregate limit will also be available for use, on each of the cards you hold post migration.
In case you hold a Fixed Deposit backed Credit Card with Axis Bank, limit for the same will be available only on the Fixed Deposit-backed card and will not be a part of the aggregate limit available to the unsecured cards.
For example, before migration, if you hold 2 Citi-branded Credit Cards and 1/multiple Axis Bank Credit Cards with the following credit limits, your aggregate credit limit after migration will be as follows:
| S. No. | Product Type | Credit limit | |
|---|---|---|---|
| Before migration | After migration | ||
| 1 | Citi-branded Credit Card #1 | INR 1 Lakhs | INR 6 Lakhs |
| 2 | Citi-branded Credit Card #2 | INR 2 Lakhs | INR 6 Lakhs |
| Total credit limit for the customer | Citi: INR 3 Lakhs Axis: INR 3 Lakhs | INR 6 Lakhs | |
Please note: Aggregate credit limit after migration at Axis Bank =
= Sum of Citi’s card-wise credit limits + Credit limit at Axis Bank
= INR 1 Lakhs + INR 2 Lakhs + INR 3 Lakhs
= INR 6 Lakhs
In case you do not hold an Axis Bank Credit Card on migration day, your aggregate credit limit will be the sum of all open Citi credit card limits. This aggregate limit will also be available for use, on each of the Citi-branded cards you hold post migration.
For example, before migration, if you hold 2 Citi-branded Credit Cards with the following credit limits, your aggregate credit limit after migration will be as follows:
| S. No. | Product Type | Credit limit | |
|---|---|---|---|
| Before migration | After migration | ||
| 1 | Citi-branded Credit Card #1 | INR 1 Lakhs | INR 3 Lakhs |
| 2 | Citi-branded Credit Card #2 | INR 2 Lakhs | INR 3 Lakhs |
| Total credit limit for the customer | INR 3 Lakhs | INR 3 Lakhs | |
Please note: Credit limit after migration at Axis =
= Sum of Citi’s product-wise credit limits
= INR 1 Lakhs + INR 2 Lakhs
= INR 3 Lakhs
Do we get a line consolidation option on credit cards when my card moves to Axis and I already have an axis card?
After migration to Axis Bank, you will enjoy a single aggregate credit limit across all your Citi-branded Credit Card(s) and Axis Bank Credit Cards. This limit will be the sum of the existing limits on Citi-branded Cards and the Axis Bank aggregate credit limit (if any) you enjoy currently.
Will the transaction limits and daily limits that I have set-up on my credit card for POS, Online, ATM and Contactless modes remain same as before migration?
Yes, all your transaction limits and daily limits set up on your credit card will remain the same post migration. However, should you wish to reset or view your limits, please follow the process outlined below:
i. Axis Bank Mobile App:
• Login to Axis Bank Mobile App
• Go to Services
• Choose Credit Card Manage Usage
• Select Credit Card
ii. Internet Banking:
• Login to internet banking
• Go to Services
• Select the card under Credit Card section
• Choose manage usage
iii. Phone Banking: Call 1860 419 5555/ 1860 500 5555 and follow instructions
How can I update the address for my card delivery/ communication?
Up to 7 days before the migration day:
Please use Citibank Online Account to update your address for card delivery/ communication:
• Log in to your Citibank Online Account and click on ‘Credit Card’ tab for credit cards.
• Click on ‘Contact Details’ and then on ‘View/ Edit’ under Contact Details.
• Choose the relationship for which you wish to View/ Edit contact details.
• Enter the OTP sent to your registered number to View/ Edit contact details Proceed.
• Choose the ‘Edit’ tab to make necessary changes in your Email/ Mobile number/ Mailing address.
• Update the relevant details and click on ‘Save’ to apply the changes.
You can do so by clicking on this link.
Less than 7 days to migration:
You will not be able to update your address for card delivery/ communication.
After migration day
Please use any of the following Axis Bank service channels to update your address for card delivery/ communication:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Go to the Home page after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Branch:
• Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch:click here
• Bring along proof of address (original & photocopy) to place a request for an address change.
Note: If you are an existing customer of both Citi and Axis, we request you to update your address details on both platforms for all your banking relationships before migration itself.
Where will I receive my physical statements post migration?
If you have opted for physical delivery of card statement(s), it shall be delivered to the card mailing address registered for your credit card.
I have multiple cards with Axis Bank and Citi. Will any of my cards be closed on migration day?
No, none of your cards will be closed upon migration day. You can continue to use all your Axis and Citi-branded Cards seamlessly post migration and avail their benefits and features. In case there are any changes to your existing bank relationships, we will inform you of any changes in advance.
I have enabled Do Not Disturb (DND) on my mobile number and email address. Will the DND services continue post migration?
Yes, your registered Do Not Disturb preferences associated with your phone number and email address will remain in effect post-migration. These preferences will apply to all products held across both Citi and Axis Bank, as long as your contact details are same across both systems.
However, if you have updated your phone number or email address, you will need to re-register for the Do Not Disturb Services using your updated contact information.
I had provided consent for enabling Over Limit (OCL) facility prior to migration. Will that consent still hold post migration?
The consent provided by you for Over Limit facility prior to migration will be relevant only till migration day. You can provide a fresh consent for Over Limit facility through the Axis Bank Mobile App or Internet Banking by following the below steps:
i. Through Axis Bank Mobile App:
• Login and select the Credit Card Tab.
• Select the card on which you would like to get the OCL facility. Go to Control Center and select Over Limit Facility.
• Select Yes and Update Preference.
ii. Through Internet Banking:
• Login to your Axis Bank Internet Banking.
• Go to Credit Card Menu.
• Select the Credit Card.
• Go to Control Center and select Over Limit Facility.
• Select Yes and Update Preference.
If my card gets lost or damaged closer to the migration date, can I still apply for reissue and when will I get the card?
Up to 1 day before migration date
Please use the Citibank Online or Citi Mobile &rup; App to report a lost/ stolen card:
Citibank Online:
• Log in to Citibank Online Account.
• In the top menu, click on Credit Card tab.
• In the Left-hand side menu, click 'Report Lost/Stolen card' and follow the steps outlined on the screen.
• Choose the card you wish to block, select the reason for blocking (whether lost or stolen) and yes for issuing new card and click ‘Next’.
Citi Mobile ® App:
• Log in to Citi Mobile ® App
• Choose ‘Account Summary’ and select the account/card you want to block.
• Click on ‘Block Card Permanently.
• Select reason for blocking (whether lost or stolen), yes for issuing new card and click ‘Continue.
You can also contact the Citi customer care service at 1800 267 2425 (India toll free) or +91 22 4955 2425 or +91 44 6698 2136 (local dialing) to log a complaint or block your card. Note: When a lost card is blocked, your access to view your account/credit card online will also be blocked, until a new card is re-issued.
Post migration
Please contact the Axis Bank customer care service at 1860-419-5555, 1860-500-5555 or axisbank.com/support to report a lost/ damaged card and get assistance in blocking the card and getting a replacement card issued.
Your replacement card will be dispatched to your registered mailing address. You will receive your replacement credit card within 10 working days of the request.
Please note that you will not be able to reissue your card 1 day before migration date to post migration due to service interruptions.
I have requested for a reissue of my damaged credit card few days before migration. Till when can I continue to use my old card?
Once the credit card is reissued, you will be able to use the old credit card till the date of migration or 60 days from reissuance or the credit card expiry date, whichever is earlier.
I had swapped my credit card to another Citi branded Card before migration, till when can I continue to use my old credit card?
Once the credit card is swapped, you will be able to use the old credit card till the date of migration or 60 days from swap or the credit card expiry date, whichever is earlier.
Will my Citi branded add-on credit card also be migrated?
Yes, all add-on cards linked to your Citi branded Credit Card(s) would also be migrated to Axis Bank.
I am an add on credit card holder. Can I login to Axis Bank mobile banking/internet banking?
Yes, add-on credit card holders can login to Axis Bank mobile banking/ internet banking by registering with their credit card credentials.
Until the migration takes place, you may continue to use Citibank Online Account and Citi Mobile® App for accessing your card(s). Post-migration, if you are an existing Axis Bank customer, you may continue to use your existing Axis Bank credentials to log in to Axis Bank Mobile App or Internet Banking to access your card(s). If you are not an existing Axis Bank customer, please register for Axis Bank Internet Banking/ Mobile App using existing Citi branded Card credentials. You can download the Axis Bank Mobile App at here while the Internet Banking can be accessed at here.
What will happen to the limit set on the add-on credit card? How can I manage my limits?
All your transaction limits and daily limits set up on your add-on credit card will remain the same post migration. These limits can be modified by the primary cardholder by accessing his/her Internet Banking account or Axis Bank Mobile App.
Will the mailing address for my add on card change post migration? How do I update the address for my add on card?
Yes, mailing address for your add on card may change post migration. Post migration, we request you to view and update your address registered for add-on card through the following channels:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Access the menu after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Branch:
• Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch: click here
• Bring along proof of address (original & photocopy) to place a request for an address change.
Will the transactions & balances on my add-on card be reported to the Central Credit Information Companies (CICs)?
YAxis Bank reports spends and balances on primary and add-on cards to Central Credit Information Companies (CICs) against the primary cardholder only. There is no reporting done against the add-on cardholder.
I do not have an active Citi branded Credit Card. However, I hold a 16-digit virtual card number for making my outstanding credit card bill payments. Can I continue to make payments post migration on the same card number?
Yes, you can continue to make repayments to the same 16-digit virtual card number, as per existing terms & conditions.
What will happen to my Citi Asset Backed Finance / Commercial Vehicle and Construction Equipment Loan Account?
This is further to the acquisition of Citi’s consumer banking business in India by Axis Bank, on March 1, 2023. Effective March 11, 2024, your loan/s have been fully migrated to Axis Bank systems.
Will I get my TDS certificate before the completion of migration? How will I receive it?
Yes, you will receive the TDS Certificate for the period from 1stMarch ’23 till the migration date on your registered email ID. In case you need a duplicate certificate, reach out to our phone banking team or simply walk-in to any of our branches. Post the transition, you can view these certificates through Internet Banking as well using the following path.
Will I be required to sign any additional documents?
There are no additional documents required for a seamless migration. You would have already been requested to replace PDCs in favour of Citi loan account to either NACH Mandate, or PDCs favouring Axis Bank. We will keep you updated should there be any requirement of additional documents.
Will there be any change in the tenure or repayment schedule of my Loan?
There will be no change to the tenure or repayment schedule of your loan and will remain as per the agreement entered into with Citi.
Will my loan account number change?
Yes, your customer ID (CIF) and loan account number(s) will be communicated by SMS / email post the migration.
How will I know my new loan number?
The new customer ID and loan account details will be communicated via SMS / email / letter post the migration.
Will a new Loan Agreement be signed between me and Axis Bank and will any charges / stamp duty be levied?
There is no need to enter into a new agreement with Axis Bank and you will not be required to pay any additional stamp duty / charges on account of the migration.
Will there be any change in the loan account number?
Yes, new Axis Bank Personal Loan account number and Customer ID (CIF) will be communicated via email / letter post the migration.
What will be the new Rate of Interest (ROI) structure?
There will be no change to the ROI structure of your loan and it will remain the same as per the Terms and Conditions entered with Citi.
Will there be any changes in service charges for the existing loan accounts post customer migration?
There will be no change to the charges applicable to your loan on account of the migration. It will remain as per the agreement entered with Citi. We will keep you updated, should there be any changes.
Will there be any change in the tenure or EMI due date or Repayment Schedule of my loan post the migration?
There will be no change to the tenure or EMI due date or Repayment Schedule of your loan. It will remain as per the agreement entered with Citi.
How will repayment of my loan reflect in bureau?
Repayment will reflect towards Axis Bank. There will be no disruption in reporting owing to the migration.
Do I need to give fresh mandate for SI (Standing Instruction) / NACH (National Automated Clearing House) for payment of loan EMIs?
Any existing mandates will be automatically migrated to the new loan account. However, if you are making payments through NEFT from any other bank account, please update the payee details with your new loan account number and new Axis Bank IFSC - UTIB0000245.
How can I access my previous and current month Statement of Account (SOA)?
You can log into Internet Banking or the Mobile Banking App, open to view the Statement of Account, or contact our Phone Banking team on 18604195555 / 18605005555 (charges applicable) or 18001035577 (toll-free) to place a request for SOA.
How can I foreclose my existing loans? What are the foreclosure charges that would be applicable? How can I access No Objection Certificate (NOC) post loan closure?
Please visit the nearest Axis Bank Loan Centre for placing foreclosure requests.There will be no change to the foreclosure charges applicable on your loan on account of the migration. Post loan closure, you can download the NOC through Internet Banking or the Mobile Banking App, open.
Do we need to change the payee details if I have already added the Personal Loan account number for NEFT payment in another bank account?
Yes, the payee details need to be changed. Please delete the old payee and create a new one with the new loan account number and new Axis Bank IFSC – UTIB0000245
How can I pay my overdue Personal Loan EMI online?
Post migration, “Make Payments” option on Axis Bank website can be used for payments. Please click here for making overdue loan payment.
Will there be any changes in the policy on fresh loans or top-up loans?
As a customer, you can avail fresh loans or top-up as per your eligibility. Axis Bank policies will be applicable for all new loans post the migration. You can apply through Internet banking or the Mobile Banking App, open. Alternatively, you can visit here to apply for a loan.
Will there be any change in rate of interest or tenure of Ready Credit account post migration?
No, the rate of interest, the sanctioned overdraft limit and renewal date will remain the same as per Citibank Ready Credit account until the next renewal date (post migration to Axis Bank).
Will there be any change in service charges post the migration?
Post the migration, there will be no change till the next renewal date. After that, 24x7 FlexiCredit terms and conditions and schedule of charges (SOC) will be applicable. You can view the details here.
Will there be any change in the account number of my Citibank Ready Credit account?
Your new 24x7 FlexiCredit account number will be communicated to you upon migration.
Will there be any change in dues or due date for my Ready Credit account?
Yes, please note that there will be no auto recovery of principal minimum due from the linked Savings Account post migration. Please make NEFT / IMPS / RTGS payments directly into 24X7 FlexiCredit Account as per your comfort. Make sure to use your new account number and new Axis Bank IFSC – UTIB0000004.
However, interest will continue to be auto recovered on the 1st of the month from the linked Savings Account like before.
How can I close the 24x7 FlexiCredit facility? What are the charges that would be applicable?
No charges are applicable for closure of 24x7 FlexiCredit Account. Repayment can be done through your Axis Bank linked Savings Account.
For standalone / delinked FlexiCredit Accounts, you can make NEFT/IMPS/RTGS payment from any bank account directly to your 24x7 FlexiCredit Account.
Are there any changes in Terms and Conditions for Citibank Ready Credit Account?
Post the migration, 24x7 FlexiCredit terms and conditions and schedule of charges (SOC) will be applicable post renewal of overdraft facility.
Additionally, please note that post effective account migration date, Axis Bank will withdraw / terminate the overdraft facility in the events of default laid down in the terms and conditions. No revised repayment plan will be offered in such scenarios.
You can view the details here.
Do I need to give fresh mandate / standing instructions for payment of interest due?
If your existing Ready Credit account is linked with your Citibankbank Account, then your new 24x7 FlexiCredit account will get automatically linked to your migrated Axis Bank Account and there would be no need to create a fresh mandate for interest repayment.
However, for standalone / delinked overdraft account, you will have to create a fresh mandate. Ensure that you use your new account number and new Axis Bank IFSC – UTIB0000004.
How can I close the overdraft facility?
Please visit the nearest Axis Bank Loan Centre to place a request for closure of 24x7 FlexiCredit overdraft facility and carry your ID proof as per the existing KYC norms. Kindly ensure to maintain credit balance while placing the request.
How can I request for my current or past Statement of Account (SOA)?
You can easily download the statement through Axis Bank Internet Banking or our Mobile Banking App, open. Alternatively, you can place a request by calling our Phone Banking team or visiting the nearest Axis Bank Loan Centre.
Will the Citibank Mobile banking application continue to function post the migration?
No, you won't be able to access Citibank Mobile banking application post the migration. Please download Axis Bank Mobile App, open or visit Internet Banking for your digital banking needs.
Will I be able to access my Citibank Ready Credit account on the Axis Bank Mobile App, open?
Yes, post the migration to Axis Bank, you can access your 24X7 FlexiCredit account / statement via Axis Bank Mobile Banking App, open.
What will happen if my Citibank Ready Credit account is under Work Out Plan (WOP) or Revised Repayment Plan (RRP)?
Your existing WOP or RRP will continue as is, post migration to Axis Bank. Please make self-payment to your 24x7 FlexiCredit account as per the due amount / WOP installment that will be generated on 1st of every month to avoid bureau impact. There will be no auto recovery of principal due amount created in WOP / RRP cases.
Only the interest amount will be auto debited from the linked Savings Account on the 1st of every month.
Moreover, new WOP or RRP will not be offered in case of non-payment of interest dues or breach of any terms and conditions. Post effective account migration date, Axis Bank will withdraw/terminate the overdraft facility in the event of default laid down in the tTerms and Cconditions. Please refer to the detailed terms and conditions and schedule of charges here.
I have a standalone Citibank Ready Credit account which is not linked to my Citibankbank Account. How can I repay the outstanding dues post migration?
Post migration, for standalone accounts, you can make NEFT / IMPS / RTGS payment directly to the new 24x7 FlexiCredit Overdraft account. Make sure to use your new account number with new Axis Bank IFSC – UTIB0000004.
How will repayment of my loan reflect in bureau?
There will not be any disruption or impact to your bureau score. The repayments will continue to reflect as per normal process.
Will I have to complete my KYC or provide any documents for 24X7 FlexiCredit account?
No additional documents will be required for the migration. In case of any requirement, you will be notified in advance.
Will I be required to submit any additional documents?
There are no additional documents required for a seamless migration. We will keep you updated if there is any requirement for additional documents.
Will I be signing a new Loan Agreement with Axis Bank and will Stamp Duty be levied?
You do not need to enter into a new agreement with Axis Bank and you will not need to pay any additional stamp duty.
Do I have to pay any additional fees / charges for migration of my loan account to Axis Bank?
No additional charges will be levied for migration of Mortgage Loan to Axis Bank.
Are there any changes in Terms and Conditions of Loan Against Property or Home Loan?
There have been no changes in Terms and Conditions owing to the migration. In case there is any change, we will ensure to keep you informed well in advance.
Will there be any changes in the loan account number post migration?
Yes, you will be assigned a new number and details of the new loan account number will be sent to the customers via SMS / email / letter post migration.
Will there be any change in the interest rate on my mortgage loan?
There will be no change in the interest rate of your loan owing to the migration. If the interest rate on your loan is variable, it will continue to adjust according to the changes announced in the benchmark rate to which it is linked, in accordance with the repricing reset cycle applicable on the loan. You will be informed of any changes with prior notice.
Will there be any change in the benchmark rate for my loan after migration to Axis Bank?
If your loan is benchmarked against the Citibank Mortgage Prime Lending Rate (CMPR), Base Rate or Marginal Cost Lending Rate (MCLR), it will not undergo any change. However, if your Citi Mortgage loan was linked to Treasury Bill Linked Rate (TBLR), the same has been moved to Repo Rate published by Reserve Bank of India (RBI). The interest rate on your loan will remain the same and the spread between the interest rate and benchmark / reference rate has been suitably adjusted. If you wish to discontinue with the Repo Rate linked loan, you can close or transfer your loan to other lenders without any prepayment penalty.
Will there be any change to the Schedule of Charges (SOC) for existing Mortgage Loans post-migration?
There will be no change in SOC for existing loan accounts post migration. You will be informed of any changes with prior notice.
Do I need to give a fresh mandate / Standing Instruction for payment of loan instalments?
No, a fresh mandate is not required. Your existing EMI mandates will be automatically migrated and will continue as they are.
How can I make missed repayments towards my Home Loan?
To make the payment towards EMI, please visit Overdue Loan Payments - Axis Bank.
I have a loan facility sanctioned. Can I get the disbursement post business migration or does it require a new sanction?
There will be no requirement for a fresh sanction and the existing sanction will be honoured.
How can I access my existing loan-related documents (Statement of Account, Repayment Schedule, Principal and Interest Certificate)?
You can visit the nearest Axis Bank Loan Centre or contact our Phone Banking numbers on 18604195555 / 18605005555 (charges apply) or 18001035577 (toll-free), to place a request for loan related documents.
Will the branch offer advice regarding my Mortgage Loan Account change?
Post-migration, you can visit the nearest Axis Bank Loan Centre regarding any loan related queries.
How can I place a loan closure request?
Please visit the nearest Axis Bank Loan Centre to place foreclosure requests. You can find the list of our Loan Centres by visiting.
What happens to the original security documents / title documents that I have submitted?
The responsibility of safe keeping of the document rests with Axis Bank. All the documents you have submitted will continue to be stored safely.
Will I be able to apply for a top-up loan based on my existing loan?
Yes, you can apply for a top-up on your existing loan and the same will be evaluated as per Axis Bank's policy.
Will there be any change in the tenure / EMI of my loan post migration to Axis Bank?
There will be no change in the tenure / EMI of the loan on account of the migration. You will be informed of any changes with prior notice.
How will the repayment of my loan reflect in the bureau?
The repayment will reflect towards Axis Bank. There will be no disruption in reporting.
Where can I place a request for demographic change such as mobile number or address update for my loan account?
You can visit the nearest Axis Bank Loan Centre with a valid ID and original address proof for verification.
Will I be required to submit any additional documents?
There are no additional documents required for a seamless migration. We will keep you updated if there is any requirement for additional documents.
Will I be signing a new Loan Agreement with Axis Bank and will Stamp Duty be levied?
You do not need to enter into a new agreement with Axis Bank and you will not need to pay any additional stamp duty.
Do I have to pay any additional fees / charges for migration of my loan account to Axis Bank?
No additional charges will be levied for migration of Mortgage Loan to Axis Bank.
Are there any changes in Terms and Conditions of Loan Against Property or Home Loan?
There have been no changes in Terms and Conditions owing to the migration. In case there is any change, we will ensure to keep you informed well in advance.
Will there be any changes in the loan account number post migration?
Yes, you will be assigned a new number and details of the new loan account number will be sent to the customers via SMS / email / letter post migration.
Will there be any change in the interest rate on my mortgage loan?
There will be no change in the interest rate of your loan owing to the migration. If the interest rate on your loan is variable, it will continue to adjust according to the changes announced in the benchmark rate to which it is linked, in accordance with the repricing reset cycle applicable on the loan. You will be informed of any changes with prior notice.
Will there be any change in the benchmark rate for my loan after migration to Axis Bank?
If your loan is benchmarked against the Citibank Mortgage Prime Lending Rate (CMPR), Base Rate or Marginal Cost Lending Rate (MCLR), it will not undergo any change. However, if your Citi Mortgage loan was linked to Treasury Bill Linked Rate (TBLR), the same has been moved to Repo Rate published by Reserve Bank of India (RBI). The interest rate on your loan will remain the same and the spread between the interest rate and benchmark / reference rate has been suitably adjusted. If you wish to discontinue with the Repo Rate linked loan, you can close or transfer your loan to other lenders without any prepayment penalty.
Will there be any change to the Schedule of Charges (SOC) for existing Mortgage Loans post-migration?
There will be no change in SOC for existing loan accounts post migration. You will be informed of any changes with prior notice
Do I need to give a fresh mandate / Standing Instruction for payment of loan instalments?
No, a fresh mandate is not required. Your existing EMI mandates will be automatically migrated and will continue as they are.
How can I make missed repayments towards my Home Loan?
To make the payment towards EMI, please visit Overdue Loan Payments - Axis Bank
I have a loan facility sanctioned. Can I get the disbursement post business migration or does it require a new sanction?
There will be no requirement for a fresh sanction and the existing sanction will be honoured.
How can I access my existing loan-related documents (Statement of Account, Repayment Schedule, Principal and Interest Certificate)?
You can visit the nearest Axis Bank Loan Centre or contact our Phone Banking numbers on 18604195555 / 18605005555 (charges apply) or 18001035577 (toll-free), to place a request for loan related documents.
Will the branch offer advice regarding my Mortgage Loan Account change?
Post-migration, you can visit the nearest Axis Bank Loan Centre regarding any loan related queries.
How can I place a loan closure request?
Please visit the nearest Axis Bank Loan Centre to place foreclosure requests. You can find the list of our Loan Centres by visiting.
What happens to the original security documents / title documents that I have submitted?
The responsibility of safe keeping of the document rests with Axis Bank. All the documents you have submitted will continue to be stored safely.
Will I be able to apply for a top-up loan based on my existing loan?
Yes, you can apply for a top-up on your existing loan and the same will be evaluated as per Axis Bank's policy.
Will there be any change in the tenure / EMI of my loan post migration to Axis Bank?
There will be no change in the tenure / EMI of the loan on account of the migration. You will be informed of any changes with prior notice.
How will the repayment of my loan reflect in the bureau?
The repayment will reflect towards Axis Bank. There will be no disruption in reporting.
Where can I place a request for demographic change such as mobile number or address update for my loan account?
You can visit the nearest Axis Bank Loan Centre with a valid ID and original address proof for verification.
Will there be any change in the Home Credit Account number post migration?
Yes, details of the new account number will be sent to the customers by SMS / email / letter post the migration.
Will there be any change in the other Terms and Conditions of Home Credit Account?
While all features, Terms and Conditions of your Home Credit Vanilla Loan Account remain the same, the interest saved due to the balance maintained in your linked Current Account will be adjusted towards the principal outstanding of your loan, instead of being added to your Current Account balance for future withdrawal. This will help reduce the tenure of your loan and accelerate repayment.
I have a Home Credit Fast Track Account, will I be able to opt for the same facility in Axis Bank?
Yes, you would be able to enjoy the same product with Axis Bank as well.
I have a Home Credit (Vanilla) Account, will I be able to opt for the same facility in Axis Bank?
No, your account will be converted to Home Credit Fast Track variant where the interest savings will be adjusted towards the loan outstanding post conversion.
If I don’t want to covert my Home Credit Vanilla Account to Home Credit Fast Track Account, what is the option available to me?
You have the option to close or transfer your loan to other lenders without any prepayment penalty. Please visit Axis Bank Loan Centre to place a request for the same.
Where will my investment holdings be migrated?
Your holdings under Citibank Investment services account will be migrated to the corresponding Axis Bank investment account.
Do I have to open a new banking and investment account with Axis Bank?
No, we will migrate your existing Citibank savings or current account and any linked investment account to the Axis Bank platform.
Will there be any change to the distributor code of my investment portfolio?
Yes, all your holdings will reflect under Axis Bank Limited AMFI Code: ARN-0019.
I have already submitted my FATCA and KYC documents. Do I need to re-submit any KYC documents & FATCA for my investment account(s)?
FATCA: If you are an individual customer and have already provided FATCA documents, you are not required to submit the details again. However, if your FATCA / KYC documents are not updated, you will be prompted to update the details on the Axis Bank platform while executing transactions through Internet / Mobile Banking App open or through any of our branches.
Non-Individual customers will be prompted to submit their FATCA documents at the Axis Bank branch when placing a transaction request at the time of executing the first transaction after the completion of Investment account migration.
KYC updates: If your KYC documents are already updated, you will not be required to update the same again for either type of accounts i.e., Individuals and Non-Individual.
Will the details of my mapped bank account change?
Your bank account number will remain the same post the migration to Axis Bank. However, the IFSC and MICR code for your account have changed. We will update the same on best effort basis with the Registrar & Transfer Agents, Depositories and PMS/AIF providers. You are also requested to verify this across your investment holdings.
How do I open an investment account for my family member?
Please visit your nearest Axis Bank branch or contact your Relationship Manager. Alternatively, an investment account can also be opened easily from the Axis Bank Internet Banking / Mobile Banking App, open.
I have accounts and an investment portfolio in both Axis Bank and Citibank How will they operate post the migration?
Your accounts as well as your investment portfolios will continue as is. The migrating savings and linked investment account will be housed under your existing Axis Bank Customer ID.
The investment account number of the migrating account will comprise of 10 digits of your erstwhile Citibank Investment account number + last 4 digits of the linked Current/ Savings account (Total: 14-digit account number).
You will be able to view and manage your account and investment portfolio via various Axis Bank platforms like Internet Banking and Mobile Banking.
I have already done my risk profiling with Citibank . How will my risk profile be migrated? How long will the same be valid for?
• Your existing Citibank risk profile will be migrated to Axis Bank along with the existing expiry date. It will be valid till the expiry date or 1 year, whichever is earlier.
• Risk profiles at Citibank will be mapped to Axis Bank Risk Profiles as follows:
| Citibank Risk Profile | Axis Bank Risk Profile |
|---|---|
| IP1 | Risk Averse |
| IP2 | Conservative |
| IP3 | Balanced |
| IP4 | Growth |
| IP5 & IP6 | Aggressive |
• In case your risk profile is in expired status, you will be prompted to update the same when executing your first investment transaction through Axis Bank Internet Banking or Mobile Banking App open or an Axis Bank branch.
• In case you have multiple risk profiles across various Citibank investment accounts, the lowest risk profile will be migrated to Axis Bank.
What all investment products will be available for me after the migration?
You will get access to all investment products (within your Risk profile) that are on offer currently on the Axis Bank platform . For more details click on the link:
How do I execute investment transactions in Mutual Funds, PMS, AIF and bonds post the migration?
• You can make Mutual Fund transactions through Axis Bank Internet Banking or Mobile Banking App, open. You can also reach out to any Axis Bank branch for the same.
• Transactions in PMS, AIF and bonds can be executed through any Axis Bank branch.
• Sovereign gold bonds can be purchased through Axis Bank Internet Banking or Mobile Banking App open or any of the Axis Bank branch.
Will Internet and Mobile Banking services be affected by the acquisition? Can I use my Citibank Online login ID and password?
Citibank Online and Citibank Mobile App will not be functional post the migration and hence you will not be able to use the same login ID and password. You will need to register on Axis Bank Internet Banking / Mobile Banking App, open and setup a new login ID and password. The login credentials that you set for your Axis Bank account can also be used to access your investment portfolio.
What happens to my ongoing Mutual Funds SIPs registered with Citibank? Do I need to give fresh mandate / Standing Instruction (SI) for the same?
All existing SIP registrations will be migrated and mapped to the corresponding Axis Bank Investment account.Similarly, all mandate(s) will be mapped to the migrated savings / current account.
Will I continue to get portfolio statements as I have been getting so far from Citibank?
Following investment reports will be available for you to download through Axis Bank Internet Banking / Mobile Banking platforms, open., in lieu of the erstwhile CRISIL reports:
1. Portfolio holding statement
2. Transaction statement
3. Capital gain / loss statement
4. Dividend (IDCW) statement.
These statements provide similar information as was available in the erstwhile CRISIL reports.
The CRISIL reports will not be available post the migration.
I have direct plan holdings in my Citibank investment services account. Will these holdings continue to reflect in Axis Bank investment account, post the migration? Will I be able to transact in direct plans through Axis Bank?
Please note that Axis Bank is a distributor of Mutual Funds and Axis Group offers a Registered Investment Advisory Service through Axis Securities Limited. Hence, you will not be able to transact in direct plans post the migration, through your Axis Bank investment account, this is in line with SEBI investment advisory regulations. Kindly note that your direct plan holdings will not reflect in your migrated investment account. You will need to either open an account on the Axis Securities Investment Advisory platform or manage your holdings directly through other external platforms.
I have an investment account both with Citibank and Axis Bank with common folios. What will be the impact on my holdings post the migration?
Your lump sum investments will be merged in the existing Axis Bank investment account.
Any existing SIP in the Citibank system will be discontinued from Citibank platform and re-registered or re-activated under existing Axis Bank investment account automatically at our end.
My investment account is blocked in the Citibank system. How will it be migrated to Axis Bank?
All accounts that are blocked on the Citibank system will be migrated to Axis Bank in a blocked status and you will be required to contact your Relationship Manager or visit the nearest Axis Bank branch to activate the account.
Would the transaction history of my Citibank Investment account be available post the migration?
Yes, historical data for active folios will be available post migration on Axis Bank platform s . However, historical data will not be available for any folio that was closed in the Citibank system.
Instead of Crisil, will I have a new performance tracker? that shows performance, internal rate of return, etc scheme wise/ transaction wise?
Four different reports will be available on the Axis Bank IPS system for RMs to download and share with customers. Clients can also download the same through Axis Bank Internet Banking / Axis Bank Mobile Banking App, open.
Will the Systematic Withdrawal Plans also be migrated to Axis Bank?
Yes, existing Systematic Withdrawal Plans will also be migrated along with SIPs as upon migration from Citibank to Axis Bank systems.
How will my individual demat account be migrated?
Your individual Demat account will be migrated from Axis Bank Ltd (DP ID IN300685) to Axis Securities Ltd. (DP ID IN304295). This is being done to ensure that you can avail the full suite of services offered by Axis Group including trading accounts / facilities at attractive pricing.
How will this migration affect my existing Demat holdings and transactions ?
Your existing holdings will be seamlessly migrated to Axis Securities DP ID IN304295. You will be able to continue to transact and manage your holdings hassle-free, through Axis Bank branches providing demat services.
Will my DP ID / Client ID change after the migration?
Yes, DP ID will change to Axis Securities DP ID IN304295. However, the Client ID may change in certain cases, and we will keep you informed of the same.
What happens to my existing DI slip booklet after migration?
Your existing DI slip booklet(s) will no longer be valid post the migration. Axis Securities will send you a new welcome kit with updated booklets and instructions post the migration.
What will happen if I have pending requests like DRN, Demat or Conversion with Axis Bank Ltd. DP ID IN300685 at the time of migration?
We will wait for the pending requests to get accepted / rejected by the RTA, post which the specific holdings will be transferred to your new demat account created with Axis Securities. Upon the completion of migration, your demat account with Axis Bank will be closed. For any service request post migration, you will need to contact Axis Securities.
Will there be any changes in the way I access my demat account online?
Post migration, you will be able to view your demat account balances through Axis Bank Internet Banking / Mobile Banking App, open.
How will I receive statements and communication post migration?
Axis Securities Limited will send you weekly statements and all communication related to your demat account on the contact details registered with NSDL for your account.
Will there be any changes in the fees or charges associated with my demat account, post the migration?
Schedule of Charges (SOC) associated with your demat account will remain unchanged on account of migration.
How can I avail demat related services, post the migration?
Post the migration of your demat account, you can visit your home branch of Axis Bank or any Axis Bank branch providing Demat services, where Axis Securities staff will assist you with your queries and transactions.
What will happen to demat accounts under regulatory blocks or having holdings under restrictions
Demat accounts under regulatory block or holdings that under restrictions like pending dematerialization, blocked ISIN, pledges etc., will not be migrated to Axis Securities DP ID IN304295 till such time these blocks / restrictions are regularized.
How will this migration affect my existing demat holdings and transactions?
Your existing holdings will be seamlessly migrated from DP ID IN300685 to another DP ID of Axis Bank (DP ID IN300484). This is being done with the objective of offering you a full suite of services from Axis Bank. You will be able to continue to transact and manage your holdings hassle-free, through Axis Bank branches providing demat services.
Will my DP ID / Client ID change after the migration?
Yes, your DP ID will change from DP ID IN300685 to another DP ID of Axis Bank (DP ID IN300484). However, Client ID may change in certain cases only, and we will keep you informed regarding the same.
What will happen if I have pending requests like DRN, Remit or Conversion with Axis Bank Ltd DP ID IN300685 at the time of migration?
We will wait for the pending requests to get accepted / rejected by the RTA, post which the specific holdings will be transferred to your new demat account created under DP ID IN300484. Post complete migration, your demat account under DP ID IN300685 will be closed. For service requests post the migration, you will need to contact Axis Bank branches providing demat services.
How will I receive statements and communication post the migration?
We will send you weekly statements and all communications related to your demat account on your contact details registered with NSDL for your account.
Will there be any changes in the fees or charges associated with my demat account post the migration?
Schedule of Charges (SOC) associated with your demat account will remain the same on migration.
How can I avail demat related services post the migration?
Post the migration of your demat account, you can visit your home branch of Axis Bank or any Axis Bank branch providing demat services, where you we will be happy to assist you with your queries and transactions.
What will happen to demat accounts under regulatory blocks or having holdings under restrictions?
Demat accounts under regulatory block or holdings under restrictions like pending dematerialization, blocked ISIN, pledges etc., will not be migrated to DP ID IN300484 till such time these blocks / restrictions are regularized.
Can I access my demat account online?
Post migration, you will be able to view your demat account balances through Axis Bank Internet Banking / Mobile Banking App, open
What happens to my existing DI slips booklet(s) after the migration?
Your existing DI slip booklet(s) will no longer be valid post the migration. We will send you a new welcome kit with updated booklets and instructions post the migration.
I would be a Burgundy / Burgundy Private Client post transition; will I continue to receive updates about my Insurance Policy / Policies from the Bank?
Yes, every month, you will receive One Glance Statement (OGS) on your registered email ID from Axis Bank, which will include details of your Life Insurance Policy / Policies bought through the Bank. Additionally, you may also log in to your net banking to download a consolidated statement for your Life Insurance Policy / Policies’ details.
For Non-Life Insurance Policy details, you may reach out to the insurance company directly or seek help from your Relationship Manager / Service Relationship Manager. Furthermore, you can Click here to contact your insurance company
I am a Priority customer post transition. Will I continue to receive updates about my Insurance Policy / Policies from the Bank?
For Life Insurance & Non-Life Insurance Policy details, you may reach out to the insurance company directly or seek help from your Relationship Manager / Service Relationship Manager. Click here to know more about our various insurance partners.
Who should I contact for insurance-related requests such as servicing, surrender, cancellation, and complaints claim etc.?
You can reach out to your Relationship Manager or visit your nearest Axis Bank branch for any support you might need. Click here to know more about our various insurance partners.
Will the change in IFSC affect the payout of an Insurance Policy?
Yes, the IFSC will certainly need to be updated with your insurance company for seamless premium payment. For your convenience, we will centrally update the Axis Bank IFSC with our insurance partners - Aditya Birla Sunlife, Max life, and Tata AIA. However, if you have purchased an Insurance Policy from any other insurer e.g. HDFC Life, Bajaj Alliance, LIC, ICICI Prudential Life etc. then we would request you to reach out to your insurance company to update the new IFSC.
Whom should I reach out to if there is a discrepancy in the premium payment or my premium is not auto-debited as usual?
If you have a standing instruction mandate for your premium payment and it has not been debited as per schedule, please do contact the insurer directly in this regard. In case you are unaware of a mandate that led to a premium payment debit from your account / card, contact your Relationship Manager / Service Relationship Manager, or reach out to the home branch, and raise a redressal request.
Can I set up a fresh standing instruction for my Insurance Policy premium payment on my credit card?
Yes, you can set up a fresh standing instruction on your credit card by directly contacting the insurer. If you need further help, please do not hesitate to reach out to contact your Relationship Manager or our Phone Banking Team.
What is the process of cancellation of standing instruction for Insurance Policy / Policies on my credit card?
After migration, you can log in to Axis Mobile Banking, open by Axis Bank / Internet Banking in few easy steps: Internet Banking > MPIN > Bill Pay & Recharge > Manage Billers > 3 dots > Delete.
What is the process of cancellation of standing instruction for my Insurance Policy / Policies on my Bank account?
In case you wish you cancel and existing Insurance Policy on your Bank account, you can give your cancellation request at your nearest Axis Bank branch or reach out to your Relationship Manager / Service Relationship Manager.
Can I give fresh standing instruction on my bank account through Axis Bank branches?
We would request you to give fresh standing instruction for renewing the premium of your policy, directly to your insurance company. If you need further help, please do not hesitate to reach out to your Relationship Manager or our Phone Banking Team.
Do I need to give any extra details to retain the benefits and / or validity of my existing Insurance Policy?
There is no requirement to submit any extra details if your existing policy / policies’ status is active. If you need any further help in this regard, please reach out to your insurance company directly. Click here to know about our various insurance partners.
Why am I not receiving any communication from Axis Bank about my policy?
We regret the inconvenience caused and would request you to please check whether you have registered your correct email ID with the Bank. In case this needs to be updated, please reach out to your nearest branch.
Additionally, if you are a Burgundy or Burgundy Private client, you may log in via net banking to download the consolidated statement, where your Life Insurance Policy / Policies’ details will be available.
Will my insurance premium continue to be debited through the standing instruction set up on my account?
Yes, there is no change in the process of debiting your insurance premium on your account via standing instruction, and your renewal premium payment will continue to be debited through the account on the due date.
What will happen to the standing instruction set up on my credit card for (Life) Insurance Policy premium, post migration?
As per the RBI e-mandate, please do note there is an important change in the process of debiting renewal premium through your card.
Individual Life Insurance Policy:
a) We will continue to debit the premium through your credit card if the premium amount is less than or equal to ₹1 lakh per month.
b) For renewal of a premium above ₹1 lakh per month, you will have to log in to Internet Banking and you need to authorise the transaction through an OTP under the biller section of the online banking page.
What will happen to my Non-Life Insurance standing instruction set up on my credit card, post migration?
For Non-Life Individual Insurance Policy premium payments, we will not be able to debit your credit card for renewal premium payment, due to process limitations. The insurance company will reach out to you to set up renewal instructions on your policy.
What will happen to the (Group) Insurance Policy premium standing instruction set up on my credit card, post migration?
For Non-Life Group Insurance Policy, there is no change in the existing process of debiting premium on your credit card, subject to OTP authentication.
Furthermore, you can reach out to your nearest Axis Bank branch for help or reach out to the insurance company directly. Click here to know about our various insurance partners.
Can I set up new renewal instructions on Axis Bank Internet Banking or Mobile Banking App, open, post migration?
Yes, you can easily set up renewal instructions by accessing the Axis Bank Biller Section on Axis Bank Internet Banking.
Why can my credit card not be debited for premium payment through the physical instruction provided by me?
Post migration, the physical standing instruction on your credit card will be converted into digital mode by the Bank (in adherence to the RBI e-mandate guidelines).
• Life Insurance Policies: Premium payment will be done automatically for premiums amounting to ₹1 lakh and with an OTP authentication for premiums above ₹1 lakh.
• Non-Life Individual Insurance Policies: You need to pay the premium directly to the insurer or set up renewal instructions with the insurer for recurring payments.
• Non-Life Group Insurance Policies: There is no change in the existing process.
For any support you might need, please do not hesitate to reach out to your Relationship Manager or your nearest Axis Bank branch. You may also contact the insurance company directly. Click here to know about our various insurance partners.
Do I need to change my Citibank account details for standing instruction on an externally bought policy?
Please contact your insurance company for any updates if you have purchased a policy outside of the Bank.
Why is my IFSC changing?
Due to transfer of Citi’s consumer business in India to Axis Bank, your IFSC is changing. The new Axis Bank IFSC for your branch is now live and ready for use.
How much time do I have to make these changes?
Your Citi IFSC will be discontinued from June 25th, 2024, and hence request you to please switch to your new Axis Bank IFSC prior to this migration, to avoid banking disruption.
Will my account number also change?
Across this transition journey, we are working towards a seamless migration for you, with minimal changes. We are pleased to inform you that there is no change to your account number (savings and current), even after the migration.
When is the IFSC expected to change? What will happen to the payments that I am expecting into my Citi account?
Your Citi IFSC will remain active until June 25th, 2024, request you to start using the new Axis Bank IFSC linked to your specific branch immediately to avoid banking disruption post the migration date.
Further, to help you during this transition phase, we will be able to accept payments in your existing bank account with either your Citi or Axis Bank IFSC till June 25th, 2024. Upon the completion of migration, payments made using the Citi IFSC will be returned as the existing Citi IFSC will not be accepted.
Does this impact online fund transfers that I make to others from my Citi account?
There is no impact to outward online fund transfers made by you via NEFT/ RTGS/ IMPS/ UPI. However, RTGS payments from your Citi account to any Axis Bank account(s) would only be accepted post the migration. In the meantime, please continue to use NEFT / IMPS for all such payments.
Is there any impact on UPI payments due to the IFSC change?
There is no impact on UPI payments at this stage. Please continue using your existing UPI handles for all UPI payments, as you currently do. Any changes in this regard will be communicated to you closer to the migration date, much in advance.
I have given my Citi account number and Citi IFSC to many people. What will happen to the payments that I am expecting?
Citi IFSC will remain active until the completion of migration, which is expected by the first half of the FY 2024-25. Up till then, you can use either of the Citi or Axis Bank IFSC seamlessly. However, to get accustomed to the change, we would recommend that you can start using the Axis Bank IFSC linked to your specific branch immediately. Upon the completion of migration, payments using the Citi IFSC will be returned.
Also do note, that remittances or payments to your Citi accounts from any other bank account will compulsorily need to change post the migration date to the new Axis Bank IFSC. To ensure seamless banking, we request you to proactively do the following:
- Please share your new IFSC details with your various remitters, suppliers, tenants, friends, or family, and ask them to use the new IFSC for any future payments.
- All third parties would need to delete your existing payee details saved in their bank account. They can then add you as a new payee with the Axis Bank IFSC and your existing account number.
I have registered my Citi Credit Card in my other bank accounts, for repayment of dues. Do I need to make any change to continue making my card repayments seamlessly?
Yes, repayments to your Citi Credit Card linked to other bank accounts need to be updated with the Axis Bank IFSC. To do this, you should first delete the Citi Credit Card from your other bank account’s payee list. Once done, please add your Citi Credit Card again as a new payee using the new Axis Bank IFSC - UTIB0000400. Thereafter, you can make the repayment for your Citi Credit Card as you currently do.
My monthly electricity bill, OTT subscription etc. is paid automatically as a Standing Instructions setup using my Citi account. Can this continue as is?
Yes, all standing instructions set up in your Citi account (bill payments, credit card repayments, OTT subscription payments etc.) will continue to be valid and no action needs be taken at your end even after the migration. Your Citi Credit Card and loan repayments from your existing Citi account will continue to be processed as currently scheduled by you.
My Loan EMI is automatically paid from my Citi account monthly as a NACH mandate. Do I have to make any changes to this?
To make this transition a smooth one for you, we are working closely with NPCI to have the NACH mandates raised in your Citi account (e.g., mutual fund purchases as Systematic Investment Plans (SIP), insurance premium debits, loan repayments etc.) to be centrally updated with the new Axis Bank IFSC. This change would also require support from the sponsor bank, and we will individually reach out to you, well in advance, in case any action is needed from you.
I have a Citi loan and have a repayment mandate for monthly EMI debits on my other bank account. Do I have to change that with my other bank?
No, you don’t need to make the changes with your other bank in this scenario. We will centrally work with NPCI to have this mandate updated to the new IFSC.
I receive government subsidy or certain direct benefit transfers linked to my Aadhar in my Citi account. Can I continue to receive it into my account?
Yes, all subsidy or direct debits in the Citi account linked to Aadhar will not be impacted in any way and you can continue to receive the same, as you currently do. These will be seamlessly migrated to Axis Bank on migration.
I have been asked to provide cancelled cheques for the new IFSC change. What cheque should I provide?
We are in process of sending your new Axis Bank cheque books to you and the same should reach you before 31st March 2024. We will keep you updated as and when your cheque book is dispatched. Once received, please do share a cancelled cheque from this new Axis Bank Cheque Book with third parties, government entities, financial institutions etc. To ensure that your new cheque book reaches you at the right address, please do ensure that your contact details are updated with us.
I am planning to start a new Mutual Fund/ Systematic Investment Plan (SIP). Which IFSC should I use in my mandate?
All new e-mandates would continue to be set up with existing Citi IFSC. Rest assured; we will centrally update the Axis Bank IFSC in such e-mandates before the migration of your account to Axis Bank. However, if you are initiating any new Physical NACH mandates, please do initiate the same with Axis Bank IFSC.
I receive dividends for the shares held by me in my Demat account. Do I have to make any changes?
To make this transition a smooth one for you, we will centrally have your IFSC changed for the Citi account linked to your respective Demat account, through NSDL & CDSL, closer to the migration date. Rest assured, we will continue to keep you informed on any changes, well in advance.
I hold company equity shares in physical form and receive the dividends in my Citi account. Do I have to make any changes to get my dividend payments?
Yes, please reach out to the Registrar and Transfer Agents (RTAs) as applicable to update your Citi account details with the new Axis Bank IFSC.
I have given my Citi account to my equity broker as the payment account for my share trading / broking account. Is there something I need to do in this regard?
Yes, please do update the Axis Bank IFSC with all equity brokers (trading and broking accounts) to whom you may have provided your Citi account details.
I make mutual fund investments through BSE Star and NSE NMF. What action should I take?
We would request you to initiate change in the IFSC with BSE Star/ NSE NMF directly and have your Citi IFSC updated with the Axis Bank IFSC.
I have given my Citi account for payouts from Government bonds/ Gilts linked to my Demat accounts. Does this need any update from my end?
No, to make this transition a smooth one for you, we will centrally have the IFSC changed for the Citi account linked to your respective Demat account, through NSDL & CDSL. All dividends and payouts from these Gilt/ Government Bonds linked to your Demat account will thereafter be automatically paid to the linked Citi account even after migration.
I have investments in Sovereign Gold Bonds (SGB). Do I need to take any action?
No, we are pleased to inform you that the portfolio held by you in the bank broker code will be centrally migrated to the new Axis Bank IFSC through RBI/ NSDL & CDSL. However, portfolio in SGB held outside of our broker code would need to be updated by you.
I have given Citi account details in the Systematic Investment Plan (SIP) mandates for Mutual Fund purchases. What will happen to those?
NACH mandates raised on your Citi account for such SIP purchases will not be impacted as these will be centrally migrated to the new IFSC by Axis Bank through NPCI.
I have given my Citi account for redemption proceeds for my mutual funds. Do I have to make any changes with the AMCs?
No, we are coordinating with the Registrar and Transfer Agents (RTAs), via CAMS and Kfintech, to seamlessly change the IFSC of the bank account registered in folio(s) across all Asset Management Companies (AMCs). All Mutual Fund (MF) transactions (subscriptions & redemptions) linked to these folios would therefore continue to get credited to your Citi account. Hence, no action is needed from your end in this regard.
I have invested in a PMS / AIF through Citi. Is there a change to be made?
All PMS/ AIF invested through the bank will be centrally migrated to the new Axis Bank IFSC. However, if you have made investments through any other third party, please do update the new Axis Bank IFSC with those Portfolio Management Services (PMS)/ Alternate Investment Fund (AIF) providers from your end.
What happens to Insurance premium debits raised as a NACH/SI for my policies? Do I need to take any action for the same?
All premium debits raised as NACH mandates on your Citi account by any insurers will be automatically migrated with the assistance of NPCI centrally. Similarly, any standing instructions for insurance renewal premium debits provided on your Citi savings account will remain valid and will continue to be debited as per the due date, seamlessly.
Premium debits provided as standing instructions on your Citi credit cards will migrate as below:
- Life Insurance policy premium up to Rs.1 Lac per transaction will follow existing process and will be migrated seamlessly.
- Life Insurance policy premium more than Rs.1 lac per transaction, will follow an OTP led authorisation process as required by regulation post migration.
- Non-life insurance policy premium debits will be migrated to the insurers and relevant mandates will be raised by them. Please do confirm the mandate when the insurers reach out to you, pre-migration.
I have an insurance policy purchased from HDFC Life and have given the Citi account for receiving maturity proceeds. Do I have to make any change?
Yes, while we will centrally update the Axis Bank IFSC with our insurance partners (Birla Sunlife, Max life, and Tata AIA Life) for uninterrupted payouts, if you have purchased an insurance policy from any other insurer other the ones mentioned above, e.g. HDFC Life, Bajaj Alliance, LIC, ICICI Prudential Life etc. please do reach out to your insurance company to update the new IFSC.
What happens to non-life insurance payouts which will be credited in your Citi account?
In case of Non-Life Insurance policies related payment, please do provide the Axis Bank IFSC at the time of claim processing.
I have given my Citi account to receive my pension, annuities, and insurance maturity proceeds. What will happen to the same?
For recurring pay out of insurance policies (annuity, maturity proceeds, pension proceeds, money back etc.) purchased through our insurance partners like Birla Sun Life, Max Life, and Tata AIA life, we will engage with our insurance partners to update the Axis Bank IFSC for uninterrupted pay-outs.
Please do reach out to all insurers other than the ones mentioned above and update the Axis Bank IFSC to avoid inconvenience or interruption in these annuity/ pension/survival payments.
I receive my salary and other reimbursements from my employer in my Citi account. Will that be impacted?
No, change of IFSC will not have any impact on your salary payouts if your corporate has a salary account empanelment with us. The IFSC update for your account will be done centrally by the bank. However, in case of non-empanelment with us, please do reach out to your HR team to update the new Axis Bank IFSC for future salary payouts.
I have moved to a new job; how do I get my Provident Fund (PF) and gratuity from my previous employer in my Citi account?
In case the settlement from your previous employer is expected before the migration date, which is expected to be completed by first half of Financial Year 24-25, no action is required from your end. However, in case the settlement is expected after the migration, please do inform them of the new Axis Bank IFSC for a hassle-free transfer of your gratuity and superannuation dues into your Citi account. Rest assured, we will keep you updated of the date of migration, well in advance.
We have a society account in Citi, how does this IFSC change impact us?
Please inform all tenants making payments to this account to please update the Axis Bank IFSC in their respective bank payee list. In case you are using society management applications like “MyGate” and “Apartment Adda” etc. please do update the details in these specific apps as well.
We run a charitable trust and have our account(s) with Citi, are there any changes to the same due to this IFSC change?
Yes, while your account number remains unchanged, please do update all communication that you send to your donors with the new Axis Bank IFSC. In case you have an FCRA account please reach out to your Chartered Accountant to make necessary changes or reach out to your Relationship Manager for any support you might need.
I am expecting a refund from income tax authorities where I have given my Citi account as the refund account. What action should I take?
Until the migration, you can continue to receive income tax refund payments in your Citi account with the Citi IFSC. In the meantime, we are also working towards enabling you to update your Citi account details with the Axis Bank IFSC in the income tax portal. Once the same is done, we will reach out to you for you to take suitable action from your end.
I have an Employee’s Provident Fund Organisation (EPFO) account and I get annuities from the same. How can I update my IFSC?
We would request you to please reach out to the relevant government body, including EPFO and share the new Axis Bank IFSC details, with no change in your account number.
I am expecting refunds from a government entity however I had shared my Citi account number and IFSC details for the same. What should I do?
While your account number remains the same, would request you to please approach the relevant government body and share the new Axis Bank IFSC details for them to update the same at their end.
What happens to the Citi cheque book, and any post-dated cheques issued already by me?
Your new Axis Bank cheque book with the new IFSC was delivered to you by end of April 2024. Please cancel all post-dated cheques given by you to vendors, financial institutions, property owners, etc. and replace with the new Axis Bank cheques. In case you need additional cheque leaves, please log on to your Citibank online banking or mobile banking application and place the request.
Further, we will be able to clear Citi cheques till June 25th, 2024, post which Citi cheques will be returned as Citi IFSC will cease to exist.
I have received a chequebook from Axis Bank, but I do not have an account in Axis Bank. What should I do?
Further to the transfer of Citi’s consumer banking business in India to Axis Bank, your Citi account will be migrated to Axis Bank at the time of final migration. While we have ensured that there is no change to the account number for your convenience, we are sending you Axis Bank branded cheque books along with your new IFSC and MICR. You can start using your Axis Bank cheque book immediately on receipt and stop using the earlier Citi cheque book. More details on your new Axis Bank account will be sent to you via email on your registered mail address.
Can I continue using my existing Citi cheque book?
No, it is essential to switch to the new cheque book provided by Axis Bank, as it contains updated IFSC and MICR. Any cheques issued from Citi cheque book should be presented for clearing by your beneficiary before June 25th, 2024, post which, Citi cheques will not be honoured.
I want a new cheque book. How can I place a request for a cheque book?
You may place request for new cheque book via the Citi Mobile App, or Citibank Online till the migration. Post that, you will be able to place a request from the Axis Bank Internet Banking or the Axis Bank Mobile App, Open.
I want to use my new Axis Bank cheque as a bearer cheque. Is it possible?
Yes, you can use your new Axis Bank cheque book as a bearer cheque with the caveat that it should only be redeemed at one of the Citi 34 branches as have been appended in the list of branches above.
Can I use Axis Bank kiosks and drop boxes for my Citi cheques?
While you can use Axis and Citi drop boxes to deposit your Citi cheques, you should not be using Axis Bank kiosks to deposit the same.
Do I need to submit for Positive Pay while issuing the new Axis Bank cheques?
As per Axis Bank guidelines, for all cheques valued above INR 5 Lakhs, it is mandatory to go through PPS (Positive Pay), failing which the cheques will not be honoured. All cheques valued below 5 Lakhs will be honoured even without Positive Pay confirmation.
How do I set up my Positive Pay?
Please follow the following steps to submit a Positive Pay confirmation.
- Log in to your Citibank online page: https://www.online.citibank.co.in/
- Click on the ‘Banking’ tab
- Click on the ‘Positive Pay’ option on the left tab
- Fill in your account number, cheque number, cheque date, amount, and beneficiary name.
- Once done, just submit the same, and the Positive Pay will be raised
How much time will it take to clear the new Axis Bank cheques when issued to another Axis account holder?
All cheques issued including those given to existing account holders in Axis Bank, will be cleared on a T+1 basis as per current CTS clearing timelines, until migration is completed.
Can I continue using Citi Mobile App® and Citibank Online for my digital banking transactions post the migration?
Citi Mobile App® and Citibank Online will be discontinued post the migration. From the date of migration, you can use Axis Bank Internet Banking and Mobile Banking App, open, for all your digital banking needs.
How do I log into Axis Bank Internet Banking and Mobile Banking App, open?
Please follow the below steps to register on Axis Bank Mobile app, open:
• Download open from Play store / App store.
• Open the app and click on “Login to your Axis account”.
• Allow access to the asked permissions for seamless experience.
• Verify your mobile number using SMS.
• Complete the registration via methods like OTP authentication, Citi-branded Debit Card or Credit Card details.
• Enter a nickname for your account.
• Create MPIN and enable biometrics to secure the application.
Here are the steps to register on Axis Bank Internet Banking:
• Visit Axis Bank Internet Banking Here
• Click on Citi India login.
• Complete the registration via methods like Axis Bank Customer ID, Citi-branded Debit Card or Credit Card details.
• Set your password, security questions and login ID.
• Use your Login ID and password to log in to Axis Bank Internet Banking
For registration, which Debit / Credit Card is to be used?
You can use any of your existing active Citi-branded Debit/ Credit Cards to log into Axis Bank applications.
Can I use my Citi credentials to log in to Axis Bank Internet Banking?
You can use your active Citi-branded Debit or Credit Card to complete the registration and set your Axis Bank login ID and password. However, your Citi User ID and password cannot be used to log into Axis Bank Internet Banking and Mobile Banking App, open.
What is the Customer ID on the Axis Bank Internet Banking login page?
Axis Bank Customer ID is a unique 9-digit numeric ID. When logging in to Axis Bank Internet Banking and Mobile Banking App, open, you will have to register yourself. To retrieve the Customer ID, please select the OTP process. Click on ‘Get Customer ID’ and enter registered mobile number and PAN details. You will receive an OTP for confirmation and after confirmation, you will receive the Customer ID.
Will my Citi payees be migrated to Axis Bank?
Yes, payees added to your Citibank account will be migrated to Axis Bank. However, please note:
• If a payee with the same account number is present in your existing Axis Bank as well as Citibank account, then the Axis Bank payee would be retained, and Citi payee will not be migrated to avoid duplication.
• If there are two different account numbers with the same nickname, then Citi payee name will be automatically appended with the last 4 digits of the account to help differentiate.
• Axis Bank does not allow special characters in payee name / nick name. Hence, any special characters in Citi payee name / nickname will be replaced by a space (except for ‘&’ which will be replaced by ‘and’), upon the migration.
Will I be able to view all past Citi transactions on Axis Bank Internet Banking and Mobile Banking App, open?
You can download the Statement of Account for the last 3 years to see the transaction details from Axis Bank Internet Banking and Mobile Banking App, open. However, the fund transfers done prior to migration date will not be available in the ‘History’ section of Axis Bank Internet Banking and Mobile Banking App, open.
Can I view Fixed Deposits (FDs) opened in Citibank in Axis Bank Internet Banking and Mobile Banking App, open?
Yes. You can view your Fixed Deposits (FDs) opened in Citibank from Axis Bank Internet Banking and Mobile Banking App, open.
Where will I see the migrated rewards points on Axis Bank Internet Banking or Axis Bank Mobile app, open and what will be the redemption process?
Your accumulated points earned until migration date will be converted to Axis Bank EDGE Rewards Points. These EDGE Rewards Points can be seen in Axis Bank Internet Banking and Mobile Banking App, open under EDGE Rewards section.
Here is the Navigation:
Log into Axis Bank Mobile app, open > Home Page > Hamburger Menu > Reward Points
Log into Axis Bank Internet Banking > Home Page >Left Flyout menu > EDGE Rewards
For Redemption:
• Login into your bank’s mobile app or internet banking.
• Visit the EDGE Rewards section.
• Explore the various categories and select the item of your interest.
• Confirm the redemption.
• Once done, items will be shipped to your home. Vouchers will be sent to your email ID.
I have a Citibank account linked for UPI transactions in an UPI application. Do I need to relink the account?
Yes, you will need to relink your migrated Citibank accounts post the migration to send / receive funds via UPI. You must delete the existing Citibank account and add an Axis Bank account post-migration for UPI transactions.
Do I have to open a new account with Axis Bank to use Axis Bank Mobile app, open?
No, upon the completion of migration, your Citi relationships will automatically migrate to Axis Bank Internet Banking and Mobile Banking App, open. On the migration day, simply register to Axis Bank Internet Banking and Mobile Banking App, open to access your past Citi relationships and do lot more on the go.
What will be the process to access my account through Axis Bank Internet Banking and Mobile Banking App, open?
For first-time login to Axis Bank Internet Banking and Mobile Banking App, open, you will need to authenticate yourself and complete the registration using any of the following - Axis Bank Customer ID or Citi-branded Debit Card or Credit Card details.
I already have an Axis Bank account. Do I have to register again on Axis Bank Internet Banking and Mobile Banking App, open, to view my migrated Citi relationships?
If you are already registered with Axis Bank Internet Banking and Mobile Banking App, open, you will automatically be able to view your migrated Citi relationships when you log in, post the migration day.
Can I use my Citi credentials to log in to Axis Bank Internet Banking?
You can use your active Citi-branded Debit or Credit Card to complete the registration and set your Axis Bank login ID and password. However, your Citi User ID and password cannot be used to log into Axis Bank Internet Banking and Mobile Banking App, open.
Will I be able to visit any Axis Bank branch and complete my registration?
If you face any issues, you can contact your nearest Axis Bank branch for assistance. Click here to find the nearest branch. Alternatively, you may call us on 18001035577.
If I register on the Axis Bank Mobile app, open, do I need to register again on Internet Banking and vice versa?
Yes, Axis Bank Internet Banking and Mobile Banking App open are separate platforms. You will have to register separately for Axis Bank Internet Banking and Mobile Banking App, open.
How can I create my Login ID on Axis Bank?
Post migration, you can create your Login ID during your first login to Axis Bank Internet Banking.
To create the Login ID, follow below steps:
• Visit Here.
• Click on Citi India login.
• Complete the registration via methods like Axis Bank Customer ID, Citi-branded Debit Card or Credit Card details.
• Set your password, security questions and login ID.
• Use your login ID and password to log into Axis Bank Internet Banking.
Is my Axis Bank Customer ID and Citi user ID the same?
No, Axis Bank Customer ID is unique to Axis Bank customers and not the same as your existing Citi user ID. For Axis Bank Customer ID, we will email you account information or use the 'Get Customer ID' option on the Axis Bank login page, post the migration.
What is the registration process for NRI customers?
Please follow the below steps to register on Axis Bank Mobile app, open:
• Download open from Play store / App store.
• Open the app and click on “Login to your Axis account”.
• Allow access to the asked permissions for seamless experience.
• Verify your mobile number using SMS.
• Complete the registration via methods like OTP authentication, Citi-branded Debit Card or Credit Card details.
• Enter a nickname for your account.
• Create MPIN and enable biometrics to secure the application.
Here are the steps to register on Axis Bank Internet Banking:
• Visit Here.
• Click on Citi India login.
• Complete the registration via methods like Axis Bank Customer ID, Citi-branded Debit Card or Credit Card details.
• Set your password, security questions and login ID.
• Use your Login ID and password to log in to Axis Bank Internet Banking.
The NRI registration process is the same as process followed for rest of the clients, with an option to use your passport number instead of PAN. Alternatively, you can use your active Citi-branded Debit / Credit Card for the registration.
I don’t have an active Citi-branded Debit / Credit Card. Can I still register on the Axis Bank Internet Banking and Mobile Banking App, open?
Yes, you can register using your Axis Bank Customer ID. You can register yourself using the OTP process. You will have to enter your Axis Bank Customer ID, DOB and PAN / Passport number.
I have a Credit Card / Forex Card / loan account with Axis Bank already. Can I use my existing credentials to log into Axis Bank Internet Banking and Mobile Banking App, open, post migration of my Citi relationships?
Yes, you can continue to use existing Axis Bank credentials to log in. However, Credit Card / Forex Card / loan only customers with Axis Bank, may be prompted to do a one-time authentication for the first login after the migration. Thereafter, you will be able to use your Axis Bank credentials to log in seamlessly.
I have an Add-on Debit Card, but I am not able to onboard / register with the card, is there any issue with my card?
No, there are no issues with your card, however, onboarding registration can only be done by using your primary Debit Card.
Is there a cooling period post addition of payee in the A/c for a fund transfer?
There is no cooling period if you use Axis Bank Mobile app, open, whereas there is a cooling period of 30 minutes post addition of payee in Axis Bank Internet Banking.
Is there any transaction limit for newly added payees?
The maximum fund transfer limit for newly added payees in the first 24 hours is INR 1 lakh for Burgundy customers and INR 50,000 for all other customers across Axis Bank Internet Banking and Mobile Banking App, open. New payees added within 24 hours of onboarding in our Mobile Banking App, open are subject to a limit of INR 5,000 (24 hours from date of payee addition).
What is the maximum number of payees that I can add in a single day? Is this count same across Axis Bank Internet Banking and Mobile Banking App, open?
A maximum of 3 payees can be added in a day. This count is the combined count across both Axis Bank Internet Banking and Mobile Banking App, open.
Can I verify a payee before sending funds? If yes, how will I identify if a payee is verified or not?
Yes, you can verify a payee's name as per beneficiary bank records using verify payee service at the time of payee addition. Once a payee is verified successfully, the payee's name will appear with a green tick mark.
Will there be any limit validation applicable during execution of Citi Standing Instructions (SI), post the migration to Axis Bank?
Any SI set-up before the migration will be executed without considering channel limit validation as present in Axis Bank. But if any new fresh Standing Instructions must be set up post the migration, then limit validation would be applicable to them during execution.
Will I be able to view the Standing Instructions setup on a jointly held account?
Standing Instructions set up on a joint account will be visible only to the primary account holder. Primary holder can view the Standing Instructions on Axis Bank Internet Banking and Mobile Banking App, open.
I see some new payee names, post the migration. Should I be concerned?
The new payees have been added automatically, corresponding to the active Standing Instructions (SI) currently set up on your Citibank account. This will ensure seamless processing of SIs in future.
I had a payee added in Citi Mobile App®, however, now the payee's name is reflecting on the Axis Bank Internet Banking and Mobile Banking App, open is slightly different. Should I be concerned?
Axis Bank does not allow special characters in payee name / nickname. Hence, during migration the special characters were replaced by spaces, and ‘&’ will be replaced with ‘and’. For instance, payee added in Citi Mobile App® as Random@friend, will be migrated as Random friend in Axis Bank.
Also, if you hold accounts with both Axis Bank and Citibank and there were two different account numbers with the same nickname, then Citi payee name will be automatically appended with the last 4 digits of the account number to help differentiate.
I am not able to transfer more than INR 50,000 via Axis Bank Internet Banking and Mobile Banking App, open. What should I do?
After registering on Axis Bank Internet Banking or Axis Bank Mobile app, open, new users will be able to transfer only up to INR 30,000 through Axis Bank Mobile app, open and INR 50,000 to the existing payees through Axis Bank Internet Banking for the first 24 hours. Please wait and try again.
How can I enhance the transaction limit more than the maximum limit allowed in Axis Bank Internet Banking?
To increase the limit more than maximum limit (INR 50 lakhs) allowed, you can visit the nearest Axis Bank branch and ask staff to increase the limit.
Will the accounts linked in UPI on Citi Mobile App® with Citibank VPA be migrated to Axis Bank Mobile app, open?
No, the accounts linked in UPI on Citi Mobile App® will not be migrated to Axis Bank Mobile app, open. You need to link those accounts for UPI transactions after onboarding on Axis Bank Mobile app, open.
Will I be able to accept / reject any UPI mandate or raise a collect request with my migrated Citibank account?
Post the migration date, you need to relink the account in UPI and raise a fresh mandate or collect request on the linked account. Till such time, you will not be able to accept / reject any mandates or raise collect requests on the migrated Citibank account.
Will I be able to perform any action in the linked Citibank account in UPI?
No, you will need to relink the Citibank account to perform any action in UPI (check bank balance, raise collect request, change UPI ID, etc.). You cannot perform any transaction using the previously linked Citibank account.
I had added some Citibank payees in Axis Bank Mobile app, open. Do I need to add the payees again?
The Citibank payees added in Axis Bank Mobile app, open will be visible in the ‘Recent Payees’ section when sending money to bank account via UPI. You don’t need to add the payees again.
Will I be able to view the UPI transactions done on Axis Bank Mobile app, open, made using the old Citibank account?
Yes, you will be able to see the UPI transactions made using the old Citibank account in the ‘Transaction History’ section even after relinking your account.
Is there any limit for UPI transactions after linking an account?
Yes, after linking an account you can send only INR 5,000 in the first 24 hours, on Android. For IOS users, there is a limit of sending INR 25,000 for the first 120 hours i.e., INR 5,000 for every 24 hours for 5 days after linking an account.
One of my Citibank accounts is a Minor Account / Current Account which was linked to UPI, would I be able to link that account as well in Axis Bank Mobile app, open?
Axis Bank currently does not support the functionality for linking Minor Accounts on UPI, please use other modes of payment for this account.
Can I view my Foreign Currency Fixed Deposits in Axis Bank Internet Banking and Mobile Banking App, open?
Yes. In Fixed Deposits (FDs) / Recurring Deposits (RDs) section, list of accounts are displayed based on the currency type. If you have multiple currency deposits, all the available currencies will be displayed on the top of the dashboard. Clicking on each currency will display the list of all deposits in that respective currency.
For Fixed Deposits (FDs) opened with Citibank, can I update / change the nominee details online?
Yes. You can update / change the nominee for the Fixed Deposits (FDs) from Axis Bank Internet Banking and Mobile Banking App, open.
Path for updating nominee in Axis Bank Mobile
app,
open:
Log in -> FD/RD (Quick links from Home Page) -> Select the Deposit -> Click on ‘Change Nominee/Add Nominee.
Path for updating nominee in Axis Bank Internet
Banking:
Log in -> FD/RD (Sidebar Menu) -> Select the Deposit -> Click on ‘Change Nominee/Add Nominee’.
For Fixed Deposits (FDs) opened with Citibank, can I prematurely close / partially withdraw Fixed Deposits (FDs)?
A Callable Fixed Deposit or normal FD offers investors the convenience of withdrawing a portion or entirely of their funds prior to the set maturity date. Premature closure / partial withdrawal of the Callable Fixed Deposits (FDs) can be done from Axis Bank Internet Banking and Mobile Banking App, open.
A Non-callable Fixed Deposit represents a secure investment avenue where funds are locked in until the end of maturity period without the option of early withdrawal. For Non-callable Fixed Deposits (FDs) related assistance, kindly visit the nearest Axis Bank branch.
Can I close my Joint Fixed Deposits (FDs) online?
No. Premature closure of Joint Fixed Deposits (FDs) through Axis Bank Internet Banking and Mobile Banking App, open is not allowed. For closure of joint Fixed Deposits (FDs), kindly visit the nearest Axis Bank branch for assistance.
Will there be any change in the process of making inward foreign transfers to my account post the migration?
Post the migration, there will be no change in making inward foreign transfers. Your remitters (people who are sending you funds in foreign currency) would need to approach their overseas bank to initiate a wire transfer in foreign currency. While initiating an international fund transfer to your account, the remitter should use the SWIFT code of Axis Bank i.e., AXISINBB.
How can I register on the Remit Money platform of Axis Bank to send money?
Register on Remit Money by clicking on ‘Sign Up’ & fill the details:
1. Choose the country you want to send funds from.
2. Sign
up using your details of first name, last name, email ID along with your mobile number.
3. Complete the email OTP verification.
4. Once verified, you will be registered successfully.
For Remitting
funds, follow below steps:
1. Add your Indian beneficiary account.
2. Enter the amount you want to send to India.
3. For CHF & EUR: Initiate local fund transfer from your overseas bank account to Remit Money Nostro Account,
as displayed on the screen, before the cut-off time.
4. For USD: After providing necessary details, click on ‘Confirm and Proceed for Instant verification’. Link your bank account with Remit Money for
automated fund transfer post booking the transaction.
5. Funds will be credited to the beneficiary account.
How can I change the address linked to my Axis Bank account using Axis Bank Internet Banking and Mobile Banking App, open?
You can submit a request for address change through the services section of Axis Bank Internet Banking or Axis Bank Mobile app, open.
Path for updating nominee in Axis Bank Mobile app, open:
open Axis Bank Mobile app, open > More (right bottom of Dashboard) > Services >
My Profile > Update Address.
Path for updating nominee in Axis Bank Internet Banking: Login to Internet Banking> Services (Left Menu on Home Page)>My Profile > Update Address.
How can I change the email ID or mobile number linked to my Axis Bank account using Axis Bank Internet Banking or Axis Bank Mobile app, open?
You can submit a request for email ID / mobile number change through the services section of Axis Bank Internet Banking or Axis Bank Mobile app, open.
Path for updating nominee in Axis Bank Mobile app, open:
open Axis Bank Mobile app, open > More (right bottom of Dashboard) > Services >
My Profile > Update Email / Mobile.
Path for updating nominee in Axis Bank Internet Banking: Login to Internet Banking> Services (Left Menu on Home Page) > My Profile > Update Email / Mobile.
Will my rate of interest on Fixed Deposit change post the migration?
Your Fixed Deposit will continue to enjoy the same rate of interest as on the date of booking.
Will I need to submit any additional documents or redo my KYC on customer migration from Citibank to Axis Bank?
No, there are no additional KYC documents required to be submitted post the migration. However, if your re-KYC is due, you can visit the nearest Axis Bank Branch to get your KYC refreshed or re-KYC can be done through Axis Bank Internet Banking or Mobile Banking App, open.
Path for updating nominee in Axis Bank Mobile app, open:
open Axis Bank Mobile app, open > More (right bottom of Dashboard) > Services >
My Profile > Update KYC.
Path for updating nominee in Axis Bank Internet Banking:
Login to Internet Banking> Services (Left Menu on Home Page) > My Profile > Update KYC
Will I get the same conversion ratios on reward points redemption?
There will be no change in the conversion ratios on reward points redemption. Your accumulated points earned until migration date will be converted to Axis Bank EDGE Rewards Points. Rest assured, the value and benefits of these points will remain unchanged, and they will continue to remain, never expiring.
Can the points be transferred / converted to EDGE Miles?
Yes, they can be transferred to Miles.
How do I log into Axis Bank Internet Banking and Mobile Banking App, open?
Please follow the below steps to register on Axis Bank Mobile app, open:
1. Download open from Play store / App store.
2. open the app and click on “Login to your Axis account”.
3. Allow access to the asked permissions for seamless experience.
4. Verify your mobile number using SMS.
5. Complete the registration via
methods like OTP authentication, Citi-branded Debit Card or Credit Card details.
6. Enter a nickname for your account.
7. Create MPIN and enable biometrics to secure the application.
Here are the
steps to register on Axis Bank Internet Banking:
1. Visit
2. Click on Citi India login.
3. Complete the registration
via methods like Axis Bank Customer ID, Citi-branded Debit Card or Credit Card details.
4. Set your password, security questions and login ID.
5. Use your Login ID and password to log in to Axis Bank Internet
Banking
What is the Customer ID on the Axis Bank Internet Banking login page?
Axis Bank Customer ID is a unique 9-digit numeric ID. When logging in to Axis Bank Internet Banking and Mobile Banking App, open, you will have to register yourself. To retrieve the Customer ID, please select the OTP process. Click on ‘Get Customer ID’ and enter registered mobile number and PAN details. You will receive an OTP for confirmation and after confirmation, you will receive the Customer ID.
Can I use my Citi credentials to log in to Axis Bank Internet Banking?
You can use your active Citi-branded Debit or Credit Card to complete the registration and set your Axis Bank login ID and password. However, your Citi User ID and password cannot be used to log into Axis Bank Internet Banking and Mobile Banking App, open.
For registration, which Debit / Credit Dard is to be used?
You can use any of your existing active Citi-branded Debit/ Credit Cards to log into Axis Bank applications.
I have a Credit Card / Forex Card / loan account with Axis Bank already. Can I use my existing credentials to log into Axis Bank Internet Banking and Mobile Banking App, open, post migration of my Citi relationships?
Yes, you can continue to use existing Axis Bank credentials to log in. However, Credit Card / Forex Card / loan only customers with Axis Bank, may be prompted to do a one-time authentication for the first login after the migration. Thereafter, you will be able to use your Axis Bank credentials to log in seamlessly.
Will my Citi payees be migrated to Axis Bank?
Yes, payees added to your Citibank account will be migrated to Axis Bank. However, please note:
• If a payee with the same account number is present in your existing Axis Bank as well as Citibank account, then
the Axis Bank payee would be retained, and Citi payee will not be migrated to avoid duplication.
• If there are two different account numbers with the same nickname, then Citi payee name will be automatically
appended with the last 4 digits of the account to help differentiate.
• Axis Bank does not allow special characters in payee name / nick name. Hence, any special characters in Citi payee name / nickname will
be replaced by a space (except for ‘&’ which will be replaced by ‘and’), upon the migration.
Will I be able to view all past Citi transactions on Axis Bank Internet Banking and Mobile Banking App, open?
You can download the Statement of Account for the last 3 years to see the transaction details from Axis Bank Internet Banking and Mobile Banking App, open. However, the fund transfers done prior to migration date will not be available in the ‘History’ section of Axis Bank Internet Banking and Mobile Banking App, open.
I am not able to transfer more than INR 50,000 via Axis Bank Internet Banking and Mobile Banking App, open. What should I do?
After registering on Axis Bank Internet Banking or Axis Bank Mobile app, open, new users will be able to transfer only up to INR 30,000 through Axis Bank Mobile app, open and INR 50,000 to the existing payees through Axis Bank Internet Banking for the first 24 hours. Please wait and try again.
Will there be any limit validation applicable during execution of Citi Standing Instructions (SI), post the migration to Axis Bank?
Any SI set-up before the migration will be executed without considering channel limit validation as present in Axis Bank. But if any new fresh Standing Instructions must be set up post the migration, then limit validation would be applicable to them during execution.
Is there any transaction limit for newly added payees?
The maximum fund transfer limit for newly added payees in the first 24 hours is INR 1 lakh for Burgundy customers and INR 50,000 for all other customers across Axis Bank Internet Banking and Mobile Banking App, open. New payees added within 24 hours of onboarding in our Mobile Banking App, open are subject to a limit of INR 5,000 (24 hours from date of payee addition).
I have a Citibank account linked for UPI transactions in an UPI application. Do I need to relink the account?
Yes, you will need to relink your migrated Citibank accounts post the migration to send / receive funds via UPI. You must delete the existing Citibank account and add an Axis Bank account post-migration for UPI transactions.
Will the accounts linked in UPI on Citi Mobile App® with Citibank VPA be migrated to Axis Bank Mobile app, open?
No, the accounts linked in UPI on Citi Mobile App® will not be migrated to Axis Bank Mobile app, open. You need to link those accounts for UPI transactions after onboarding on Axis Bank Mobile app, open.
Will I be able to accept / reject any UPI mandate or raise a collect request with my migrated Citibank account?
Post the migration date, you need to relink the account in UPI and raise a fresh mandate or collect request on the linked account. Till such time, you will not be able to accept / reject any mandates or raise collect requests on the migrated Citibank account.
Will I be able to view the UPI transactions done on Axis Bank Mobile app, open, made using the old Citibank account?
Yes, you will be able to see the UPI transactions made using the old Citibank account in the ‘Transaction History’ section even after relinking your account.
One of my Citibank accounts is a Minor Account / Current Account which was linked to UPI, would I be able to link that account as well in Axis Bank Mobile app, open?
Axis Bank currently does not support the functionality for linking Minor Accounts on UPI, please use other modes of payment for this account.
Can I view Fixed Deposits (FDs) opened in Citibank in Axis Bank Internet Banking and Mobile Banking App, open?
Yes. You can view your Fixed Deposits (FDs) opened in Citibank from Axis Bank Internet Banking and Mobile Banking App, open.
For Fixed Deposits (FDs) opened with Citibank, can I prematurely close / partially withdraw Fixed Deposits (FDs)?
A Callable Fixed Deposit or normal FD offers investors the convenience of withdrawing a portion or entirely of their funds prior to the set maturity date. Premature closure / partial withdrawal of the Callable Fixed Deposits (FDs) can be done from Axis Bank Internet Banking and Mobile Banking App, open.
A Non-callable Fixed Deposit represents a secure investment avenue where funds are locked in until the end of maturity period without the option of early withdrawal. For Non-callable Fixed Deposits (FDs) related assistance, kindly visit the nearest Axis Bank branch.
Can I close my Joint Fixed Deposits (FDs) online?
No. Premature closure of Joint Fixed Deposits (FDs) through Axis Bank Internet Banking and Mobile Banking App, open is not allowed. For closure of joint Fixed Deposits (FDs), kindly visit the nearest Axis Bank branch for assistance.
Can I view my Foreign Currency Fixed Deposits in Axis Bank Internet Banking and Mobile Banking App, open?
Yes. In Fixed Deposits (FDs) / Recurring Deposits (RDs) section, list of accounts are displayed based on the currency type. If you have multiple currency deposits, all the available currencies will be displayed on the top of the dashboard. Clicking on each currency will display the list of all deposits in that respective currency.
For Fixed Deposits (FDs) opened with Citibank, can I update / change the nominee details online?
Yes. You can update / change the nominee for the Fixed Deposits (FDs) from Axis Bank Internet Banking and Mobile Banking App, open.
Path for updating nominee in Axis Bank Mobile app, open:
Log in -> FD/RD (Quick links from Home Page) -> Select the Deposit -> Click on ‘Change Nominee/Add Nominee.
Path for updating nominee in Axis Bank Internet Banking:
Log in -> FD/RD (Sidebar Menu) -> Select the Deposit -> Click on ‘Change Nominee/Add Nominee’.
Who will issue the TDS certificates going forward?
We have been issuing TDS certificate effective 1st Mar’ 23 and will continue to do so. For TDS certificates prior to 1st Mar 23, please write to Citibank.
Will I get my TDS certificate before the completion of migration? How will I receive it?
Yes, you will receive the TDS Certificate for the period from 1st March ’23 till the migration date on your registered email ID. In case you need a duplicate certificate, reach out to our phone banking team or simply walk-in to any of our branches. Post the transition, you can view these certificates through Internet Banking as well using the following path.
Will my existing Relationship Manager continue to manage my relationship once I am transferred to Axis Bank?
While we will try and retain your existing relationship manager where possible, should there be a change in the same, we will communicate the change to you well in advance.
Will I be able to access my Citibank savings account through Axis Bank Internet Banking?
Yes, upon migration to Axis Bank you will be able to access all the past data of your Citibank savings account through Axis Bank Internet Banking and Mobile Banking App, open.
Will my Customer ID change post the transfer of business?
Yes, you will be assigned a new Customer ID on your transition to Axis Bank.
Can I open my family's account at Axis Bank? Will their balances be included as a part of my household relationship?
Yes, as part of Family Banking Program, the household balances will be considered in the TRV (total relationship value) calculation where applicable.
What will be the process for applying for new Axis Bank cheque book and passbooks post the migration?
You can apply for a cheque book through Axis Bank Internet Banking and Mobile Banking App, open. You can contact your Relationship Manager or your branch (if assigned). You can apply through the requisition slip available in your cheque book and submission to the branch. You can also get in touch with our phone banking team for any assistance.
Will I be able to access international Citibank branches post migration?
No, International Citibank branches are not part of the migration and not accessible effective Mar 1, 2024.
Who should I contact if I have stopped receiving transaction and OTP-related communication for my transactions?
You will need to visit the Axis Bank branch in case you are not receiving any alert / OTP
I have accounts in Citibank and Axis Bank. Will my Customer ID be the same for net banking purposes for all my accounts?
The accounts will be integrated under a common customer ID post-migration that will be used for digital banking.
Can I continue to use the Citi Mobile App or do I need to start using the Axis Bank Mobile Banking App, open?
Post the migration, you will have switch to the Axis Mobile Banking App, open
Will I continue to get my account statements in the same format as I get in Citibank, or will there be any changes?
Post the migration, there will be a change in the format of the statements.
Post the migration if I need a historical statement of my Citibank accounts, how I can I get them?
You can request a historical statement for up to 10 years prior to the migration through any Axis Bank branch.
Will I need to submit any additional documents or redo my KYC upon migration?
AllNo, there are no additional KYC documents which are required to be submitted for migration. However, if your re-KYC is due, we would suggest that you visit the nearest Axis Bank Branch to get your KYC updated.
I hold accounts in both Axis Bank and Citibank. What happens to these accounts? Must I close one account?
No, you do not need to close any account as Citibank accounts shall be migrated onto Axis Bank systems post the migration and merged under a common customer ID. For a BSBDA account, one account will have to be closed by you as per regulatory guidelines.
Will there be any impact on the branches due to migration? Will my base branch change?
No, there will be no impact of this migration on Axis Bank branches. Your base branch will continue to remain the same.
Can I deposit a cheque favoring Citibank account number / TD number at an Axis Bank branch?
Post receipt of your new Axis Bank cheque book please do start using the same favoring Axis Bank account number or Axis Bank Fixed Deposit number and deposit at an Axis Bank branch. Please do not prefix Citibank with the account number or Deposit number while writing the cheque to avoid any bounce / return.
I am a foreign national and was working in India, holding a Citibank INR account. I am now based in my home country and need an account to transfer the funds/ retirals from my previous job posting. How to do the same?
Once you leave India, your account needs to be converted to NRO account and funds must be repatriated abroad as per the guidelines for NRO accounts. For further details, you may also connect with your Relationship Manager or any nearest branch.
I have closed my Citibank and need the closure details. I need to know the status of the funds and how will I receive them?
If the account is closed prior to 1st March ’23, then please write to, serviceindia@citi.com. For closures effective 1st March ’23, you can visit any Axis Bank branch.
Can I nominate an NRI in existing Citibank or new Axis Bank account) post the migration?
Yes, you can make an NRI as your nominee.
What will be the TAT for local cheque clearing?
The local cheque clearing TAT will be one business day. You are requested to check with the branch staff or your Relationship Manager on cheque deposit timings.
How can we make a stop payment on ECS / NACH?
You can visit any Axis Bank branch to place a request for a stop payment on ECS / NACH.
How can I release a stop payment on ECS / NACH?
You can visit any Axis Bank branch to place a request for releasing a stop payment on ECS / NACH.
What will happen to the Standing Instructions (SIs) maintained on the DD issuance post migration?
Your Standing Instructions (SIs) maintained towards DD issuance will not get migrated. You are requested to review the same and make alternate arrangements.
Will cheque pick up facility be available post the migration?
The cheque pick-up facility will be discontinued post the migration.
I am currently a Citigold Private Client / Citigold / Citi Priority / SUVIDHA salary customer. Which segment will I be a part of, at Axis Bank?
You will be informed of your new segment prior to migration. Rest assured we will ensure there is no change in your experience port this migration.
Will there be any change in the process of making inward foreign transfers to my account post-migration?
There will be no change in the process of making inward foreign transfers post the migration. Your remitters (people who are sending you funds in foreign currency) would need to approach their overseas bank to initiate a wire transfer in foreign currency. While initiating an international fund transfer to your account, the remitter should use the SWIFT code of Axis Bank i.e., AXISINBB.
Can I continue to send funds to the Citibank NOSTRO account as I currently do?
We would request you to start using Axis Bank's designated NOSTRO account for all your inward foreign remittances. Please make sure that the same is initiated with the SWIFT code of Axis Bank i.e., AXISINBB.
In which currency can a wire transfer be made to my account?
Remitters sending funds to your account can choose from all major foreign currencies while making the fund transfer. Please click here or details and to view the complete list of currencies.
Where can I find the Axis Bank NOSTRO account details?
Please click here to view the account details of Axis Bank NOSTRO account.
How long does it typically take to get funds in my account post an inward remittance has been initiated? How can I check the status of my transactions?
It typically takes 24-48 hours for the amount to be credited to your account post receiving the funds in Axis Bank's NOSTRO account. This is subject to all supporting documents (if any) being in place and no discrepancy. At any time, please feel free to reach out to the Axis Bank (Forex) branch team to check the status of your transaction.
Are there any changes in the applicable charges for inward wire transfers?
Currently, there are no changes in the charges for inward wire transfers. Any change in charges shall be communicated separately.
Who do I reach out to incase of any queries regarding my transactions?
You can connect with your Relationship Manager or any nearest branch, for assistance on your transactions.
How can I register on the Remit Money platform of Axis Bank to send money?
You can easily register on the REMITMONEY platform (www.remitmoney.com) by clicking on:
• Sign Up’ & fill the details:
• Choose the country you want to send funds from.
• Sign up using details of your first name, last name, email ID along with your mobile number.
• Complete email OTP verification.
Once verified, you will be registered successfully.
To remit funds simply:
1) Add your Indian Beneficiary account
2) Enter the amount you want to send to India.
3) a) For CHF & EUR: Initiate local fund transfer from your overseas bank account to REMITMONEY NOSTRO account, as displayed on the screen, before the cut off time.
b) For USD: After
providing necessary details, click on “Confirm and Proceed for Instant verification”. Link your bank account with REMITMONEY for automated fund transfer post booking the transaction.
4) Funds will be credited to the beneficiary’s account.
To know more about REMITMONEY features and services, please click here.
Will I still receive the preferential rates applicable to my transaction?
The preferential rates over and above the published card rates are provided at the bank's discretion. Please connect with your Relationship Manager for the same.
Are there any changes in the purposes for which I can initiate an outward remittance?
You can initiate the transaction in any of our branches for all the available purposes. Outward remittance for selective purposes is available on our digital platforms.
Do I need to liaise with Axis Bank branches for my queries and for tracking my transactions?
Yes, please do connect with your Relationship Manager or any nearest branch for assistance regarding your remittance request.
Are there any changes in the charges for outward remittances?
Yes, FX rates, core banking charges and processing charges may differ. For details, please click here.
Will the amount get automatically debited from my account on initiating an outward remittance?
Yes, a consolidated debit will be done to your account including all the charges and applicable taxes.
Are there any extra documents that I need to provide for initiating outward remittances from now on?
To view the document checklist please click here. You may also connect with your Relationship Manager or any nearest Axis Bank branch for assistance on the remittance request.
What are the currencies which are available for outward remittances?
We have 14 major currencies available through the offline branch channel and 100 currencies available on the online digital channel.
Major currencies include USD, EUR, GBP, AUD, CAD, JPY,
SGD, SEK, CHF, AED, NZD, THB, HKD, and SAR.
Will I receive any intimation once the funds are debited from my account?
Yes, you will get a debit alert and a SWIFT copy on your registered email ID.
Is there any change in the limit on fund transfers?
No, there will be no change in the limit for making fund transfers.
My bank account was debited but my outward remittance has not been processed yet. What should I do?
• If the transaction was initiated between 10 am to 4 pm on a working day, it will be processed on the same day. If the transaction was initiated post 4 pm, it will be processed on the next working day.
• If the transaction is initiated before 4 pm and has not been processed within 4-6 hours, kindly drop an email to RFRC helpdesk, RFRC.Helpdesk@axisbank.com mentioning the transaction reference number and Customer ID
• Also, write an email at sakinaka.forex@axisbank.com to check return of funds, reason, and to take possible corrective action.
• If the status is still unclear, raise a fund tracer request in the Miscellaneous Queue of Intellect.
• Send the fund tracer SWIFT to query.corrbanking@axisbank.com requesting details regarding the status of funds.
You may also connect with your Relationship Manager or any nearest branch for further assistance.
Can I avail a locker at an Axis Bank branch without having an account at the branch? Will I get any discount?
You can visit any Axis Bank branch where lockers are available to avail the facility. You will need to provide your Citibank account number with KYC (PAN Card and Aadhaar Card) following which an Axis Bank Cust ID will be created and a locker will be allotted. Lockers are offered at a discounted rate and you can pay the rent online.
I have an Axis Bank branch near my house and I have been put on a waitlist to avail of the locker service. Will I get some priority in getting a locker?
Lockers are allotted on the basis of availability. Please do leave your details with the branch and we will reach out to you.
How will I pay my locker rent post the migration? Do I have to open any new security Fixed Deposit?
No, you do not have to open a new security Fixed Deposit. Standing instructions will be marked on your account and rent will be collected on an annual basis.
What will happen to my lockers in Citibank branches? Will the charges / fees change?
As part of the transition, your locker will also be migrated and will be linked to your Axis Bank account. In case of any change in fees, it will be communicated to you well in advance.
I am currently a Citigold Private Client / Citigold / Citi Priority / SUVIDHA Salary account holder. Will I get a discount on my locker with Citibank on par with the discount offered to Axis Bank customers?
For new locker requests, all migrated customers will get discounts at par with Axis Bank customers.
Will the interest payment date undergo a change post migration?
No, the interest payment date will not undergo any change post the migration.
I am currently getting quarterly interest credited to my Savings Account. Will this continue?
Yes, it will continue as is.
What will be the interest rate of my Savings account, will it be the same as Citibank or change at Axis Bank?
Interest rates were modified effective Mar 1, 2023, and there will be no further change upon migration. Please be assured that we will communicate any change well in advance.
Will there be any change in the frequency of the interest credited to my account?
There is no change in the frequency.
How will the calculation on savings account interest be done at Axis Bank?
Interest calculation is done on the basis of the daily balance maintained in the savings account and credited in your account quarterly.
Will there be any change in fees and charges on my Citibank account?
There will be no immediate change to the charges. Any change will be communicated well in advance.
Where can I call for grievance redressal related to fees and charges?
For any concern you might have regarding fees or charges, you can call our phone banking team or contact your Relationship Manager (if assigned).
Which Axis-branded Debit Card will I receive post-migration?
Post migration, we will dispatch your new Axis Bank Debit Card in due course based on the assigned Axis Bank account segment:
| S.No. | Axis Bank Account Segment | Axis Bank Debit Card | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Axis Bank Burgundy Private | Axis Bank Burgundy Private Debit Card | Click here |
| 2 | Axis Bank Burgundy | Axis Bank Burgundy Debit Card | Click here |
| 3 | Axis Bank Priority | Axis Bank Priority Debit Card | Click here |
| 4 | Axis Bank Prestige | Axis Bank Prestige Debit Card | Click here |
| 5 | Axis Bank Liberty | Axis Bank Liberty Debit Card | Click here |
| 6 | Axis Bank Business | Axis Bank Business Supreme Debit Card | Click here |
| 7 | Axis Bank Prime | Mastercard Debit Card | Click here |
| 8 | Axis Bank Basic Savings Bank Deposit Account | Axis Bank Basic Savings Account Debit Card | Click here |
Note: Customers holding the Citi Rewards Debit Card will get the Axis Bank Online Rewards Debit Card
To find out your Axis Bank segment, kindly refer to the communications shared with you earlier or refer to your newly delivered Axis Bank cheque book. You can also call us at the following numbers:
For Axis Bank Burgundy Private:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 210 8888
For Axis Bank Burgundy:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 419 0065
For Other Segments:
• Before migration day: 1860 210 2484
• On and post migration day: 1860 419 555
For NRI Customers
• Before migration day: Click here
• On and post migration day: Click here
What will happen to my accumulated reward points or miles on my old/ existing Citi branded Card?
All your unredeemed reward points, as of migration day, will be migrated and converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own, while ensuring that the monetary value remains the same. The points accumulated till the migration date will remain never expiring. However, points earned post migration will expire after three years. E.g.: Points earned on 10 th August 2024 will expire on 10th August 2027
Points earned post migration will also expire in case you have made no transaction, no reward redemption and have not logged in to your EDGE REWARDS portal in a period of 365 days.
To understand the value of your accumulated reward points post migration, refer to the rewards calculatorhere.
Please note, your reward balances across all banking products will be consolidated and can be viewed on Axis Bank Mobile App or EDGE REWARDS portal.
Please refer to the table below for conversion details:
| S. No. | Citi Product Name | Axis Bank Product Name | Reward Conversion Details |
|---|---|---|---|
| 1 | All Citi Debit Cards | All Axis Bank Debit Cards | 1 Reward Point = 5 EDGE REWARDS |
Note: Even though there may be changes in number of reward points on your card(s) post migration, the monetary value of your reward points will continue to remain the same.
What redemption options will I be able to enjoy on my Axis EDGE REWARD Points after migration?
Rest assured; you can continue to redeem your reward points through your existing redemption options. After migration, you can redeem your Axis EDGE REWARD Points / EDGE Miles through multiple redemption options across various channels, depending on your card type.
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link.
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link.
• In-store (POS) redemption at partner stores/ merchants.
For details on rewards redemption T&Cs, please Click here.
For details on partner miles conversion or Miles Transfer program, please visit.
What will be the name of my Citi Debit Card post migration?
Please refer to the table below to find out the name of your new debit card effective migration day:
| S. No. | Existing product name | New product name effective migration day | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card* | Axis Bank Burgundy Private Debit Card | Click here |
| 2 | Citigold World Debit Card/ Citigold Visa Infinite Debit Card* | Axis Bank Burgundy Debit Card | Click here |
| 3 | Citi Priority/ Citi Priority Visa Signature Debit Card* | Axis Bank Priority Debit Card | Click here |
| 4 | Citi Banking Debit Card | Axis Bank Liberty Debit Card (Indian residents) | Click here |
| Mastercard Debit Card (Non-residents) | Click here | ||
| 5 | Citi Business World Debit Card | Axis Bank Business Supreme Debit Card | Click here |
| 6 | Citi Rewards Debit Card | Axis Bank Online Rewards Debit Card | Click here |
Note: * Also applicable for non-resident (NR) cardholders.
How and when will I get to know my Axis Bank Customer ID?
If you are an existing Axis Bank customer, you have already been assigned a unique Axis Bank Customer ID. Post the migration, your entire Citi relationship will be mapped to your existing Axis Bank Customer ID.
In case you do not have an existing relationship with Axis Bank, your new Axis Bank Customer ID will be communicated via SMS and e-mail using your registered contact details, a few weeks before migration. More details will be shared with you separately.
What are the various customer service channels available to me?
Before migration: Please reach out to Citibank customer service channels at 1860 210 2484 for any assistance. For more information, Click here.
After migration: Please reach out to Axis Bank customer service channels for any assistance you may need. Our teams are equipped to help you with any questions you may have, including those related to your Citi relationships and the migration process.
For more information on Axis Bank’s customer service channels, please refer to the following link: Click here
Post migration, how can I block my debit card in case of any fraudulent activity?
Post migration date, should you wish to block your debit card, please use the Axis Bank service channels as detailed below:
i. SMS BLOCKCARD to 5676782 or +919717000002 from your registered mobile number
ii. Call our Emergency Helpline Number +91-22-67987700 and, our Customer Service Executive will assist you.
iii. Internet Banking:
• Login to your Internet Banking account
• Go to the Debit Cards sectio
• Select ‘Block Card’
iv. Axis Bank Mobile App:
• Login to Axis Bank Mobile App
• Visit Banking section
• Go to Services
• Choose Debit Cards
• Select Block & Replace
What are the channels which will be used to inform me in case of a fraudulent transaction on my card post migration?
As part of the transaction monitoring process, you will now be able to confirm or dispute un-authorized transactions over an automated IVR call or SMS sent to your registered mobile number or registered email-ID.
How will my unresolved service request/disputes be managed post migration?
Rest assured, all your ongoing service request / disputes will be migrated to Axis Bank platforms on migration day.
Post migration, all your existing service requests / complaints / disputed transactions will be managed by Axis Bank. You may contact Axis Bank phone banking (1860 419 5555 & 1860 500 5555) with the complaint ID for resolution.
When is the migration from Citi Bank to Axis Bank expected to occur for all my banking relationships?
As you are aware, Citi India has transferred ownership of its consumer banking business to Axis Bank, effective 1 March 2023. As part of this transition, all Citi banking relationships will be migrated to Axis Bank platforms. The migration of your Citi-branded card will be completed by 15th July 2024. We will keep you informed of any changes to this timeline.
Upon completion of the migration, i.e., 15th July 2024 onwards, you will be able to enjoy the benefits of Axis Bank cards on your existing Citi-branded card (s). Your new Axis Bank cards will be dispatched to you within a few months after the migration and we will share more details with you in due course.
What changes should I expect on my debit card transaction experience post migration?
Please refer to the details below on what changes and what remains the same on your card(s) post migration date1:
| Card features and services | Pre migration day | Post migration day | |
|---|---|---|---|
| Card details | Card PIN | Remains same | |
| Card number, expiry date and CVV | Remains same | ||
| Card controls and limits (Point of Sale, Contactless, E-commerce, ATM and International transactions) | Remains same2 | ||
| Fees & statements | Annual fees | Remains same | |
| Replacement fees | Remains same | ||
| Digital services – Mobile or Internet Banking | Citi Mobile® App /Citibank Online Account /Citibank Online Account | Axis Bank Mobile Banking App, Open/ Axis Bank Internet Banking | |
| Customer Service support | Citi Phone 1860-210-2484 | Axis Phone Banking 1860-419-5555 | |
| Recurring payments / standing instructions | No impact | ||
| Saved card/ token on ecommerce merchants (card-on-file) | No impact | ||
| Transaction alerts (OTP, transaction alerts) | Citi branded | Axis Bank branded | |
| E-commerce payment authentication portal | Citi branded | Axis Bank branded | |
Note:
1. Please note that your Citi-branded Card (s) will be migrated by July 15, 2024, and we will keep you updated in case of any changes.
2. Daily limits for debit
cards: Subject to maximum daily limits set by Axis Bank.
What are the key milestones to look out for with the upcoming migration of my Citi branded Debit Card(s) to Axis Bank?
Please find below the key milestones in your migration journey:
| Key milestone date | Important information to note |
|---|---|
| Before migration day1 | • Continue to use your Citi-branded card (s) seamlessly, along with access to Citibank Online Account and Citibank Mobile® App • Expect limited services interruption on your card services a few days before migration You will be informed of the details in advance. |
| On migration day1 | • Migration of your Citi relationship to Axis Bank Expect limited services interruption, including your access to Citibank Online Account, Citibank Mobile
® App, and cash advance withdrawals. • Avail benefits of the new Axis Bank card (s) on your existing Citi-branded card (s) |
| Post migration day1 | • Migration completed for transfer of your Citi relationship to Axis Bank Download and register on Axis Bank Mobile Banking App, Open to start viewing all your Citi relationship. If you are an existing customer of Axis Bank, login to view your migrated account(s). Continue using your existing Citi Card seamlessly and enjoy the benefits of your new Axis Bank card. • Reward point redemption available, including those rewards previously earned, through Axis Bank EDGE REWARDS portal. |
| H2 2024 | • Your Citi branded Card(s) will be replaced by a new Axis branded Card(s). We will keep you updated in this regard. |
Note:
1. Please note that your Citi-branded Card(s) will be migrated by July 15, 2024, and we will keep you updated in
What will be my maximum daily limits on debit card post migration?
Please refer to the below table to check the maximum daily limits on your Axis Bank Debit Card effective migration date:
| S. No. | Axis Bank Debit Card | Maximum Daily Limits | |
|---|---|---|---|
| E-Commerce/ Point of Sale (POS) | ATM | ||
| 1 | Axis Bank Burgundy Private Debit Card* | Rs. 10 lakhs | Rs. 4 lakhs |
| 2 | Axis Bank Burgundy Debit Card* | Rs. 10 lakhs | Rs. 3 lakhs |
| 3 | Axis Bank Priority Debit Card* | Rs. 8 lakhs | Rs. 1.5 lakh |
| 4 | Axis Bank Prestige Debit Card* | Rs. 5 lakhs | Rs. 1 lakh |
| 5 | Axis Bank Liberty Debit Card | Rs. 4.5 lakhs | Rs. 1 lakh |
| 6 | Axis Bank Business Supreme Debit Card | Rs. 20 lakhs | Rs. 2 lakhs |
| 7 | Mastercard Debit Card* | Rs. 4.5 lakhs | Rs. 1 lakh |
| 8 | Axis Bank Basic Savings Account Debit Card | Rs. 1.5 lakhs | Rs. 1 lakh |
| 9 | Axis Bank Online Rewards Debit Card | Rs. 5 lakhs | Rs. 1 lakh |
* Also applicable for non-resident (NR) cardholders
How do I access my card post the completion of migration? Will I be able to access my card with Citibank Online Account / Citi Mobile® App credentials?
Until the migration takes place, you may continue to use Citibank Online Account and Citi Mobile® App for accessing your card(s). Post-migration, if you are an existing Axis Bank customer, you may continue to use your existing Axis Bank credentials to log in to Axis Bank Mobile App or Internet Banking to access your card(s). If you are not an existing Axis Bank customer, please register for Axis Bank Internet Banking/ Mobile App using existing Citi branded Card credentials. You can download the Axis Bank Mobile App at while the Internet Banking can be accessed.
Will I have to submit any applications or documents for migration to Axis Bank?
No, you do not need to sign or submit any forms or documents for the migration to Axis Bank. On migration day, your existing Citi-branded Cards and Citibank account(s) will be transitioned to Axis Bank card and Axis Bank account(s). We will keep you informed in case there is any action required from your end.
I hold a Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card holder, you will be offered the Axis Bank Burgundy Private Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Private Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 20 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets
• Enjoy top-notch dining with a 40% discount
(up to Rs 1000) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection up to ₹1
Cr with your debit card
• Earn 10 EDGE REWARD Points on domestic and 5 EDGE REWARDS on overseas transactions per Rs 100 spent
And many more.
*Terms & Conditions Apply
I hold a Citigold World Debit Card/ Citigold Visa Infinite Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold World Debit Card/ Citigold Visa Infinite Debit Card holder, you will be offered the Axis Bank Burgundy Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 16 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets for the latest entertainment
• Enjoy top-notch
dining with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive
protection up to ₹1 Cr with your debit card
• Earn 10 EDGE REWARD Points on domestic and 3 EDGE REWARDS on overseas transactions per Rs 100 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Priority Debit Card/ Citi Priority Visa Signature Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Priority Debit Card/ Citi Priority Visa Signature Debit Card holder, you will be offered the Axis Bank Priority Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Priority Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India and 8 global visits/year
• Enjoy up to 2 complimentary Bookmyshow tickets for the latest blockbusters or events/plays
• Enjoy top-notch dining
with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, complemented by 12 annual golf lessons
• Comprehensive
protection up to ₹1 Cr with your debit card
• Earn 13 EDGE REWARD Points on domestic and 3 EDGE REWARDS on overseas transactions per
Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Banking Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Banking Debit Card holder, you will be offered the Axis Bank Liberty Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Liberty Debit Card effective migration day while you may still hold your existing card:
• Enjoy 1 complimentary visits to premium domestic lounges per quarter (limited to salary account holders)
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once
per month
• Experience comprehensive protection up to ₹1 Cr with your debit card
• Earn 8 EDGE REWARD Points on domestic transactions and 1 EDGE REWARD Point on overseas transactions for every Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Business World Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Business World Debit Card holder, you will be offered the Axis Bank Business Supreme Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Business Supreme Debit Card effective migration day while you may still hold your existing card:
• Earn 10 EDGE REWARD Points on domestic transactions for every Rs 100 spent
• Unlimited complimentary visits to premium lounges in India every year
•
Enjoy latest blockbusters with Buy One Get One Free ticket offer at Inox
• Enjoy fine dining experience with a 25% discount (up to Rs 800) via EazyDiner once per month.
• Experience
comprehensive protection up to ₹1 Cr with your debit card
And many more.
*Terms & Conditions Apply
I hold a Citi Rewards Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Rewards Debit Card holder, you will be offered the Axis Bank Online Rewards Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Axis Bank Online Rewards Debit Card effective migration day while you may still hold your existing card:
• Earn higher EDGE REWARD Points for transactions online or offline:
• 10X on Travel Bookings
• 5X on Electronic Purchases
• 3X on Online Food Delivery
•
2X on Clothing Stores
• Get rewarded with Grab Deals worth Rs 500 on your card anniversary year.
• Enjoy delightful dining with a 15% discount (up to Rs 500) via EazyDiner twice
per month.
• Experience comprehensive protection up to ₹1 Cr with your debit card.
And many more.
*Terms & Conditions Apply
What will be the associated benefits of the Axis Bank Prestige Debit Card?
Below are the benefits for the Axis Bank Prestige Debit Card:
• Enjoy 1 complimentary visits to premium domestic lounges per quarter (limited to salary account holders)
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once
per month
• Enjoy Buy One Get One on Movie Tickets at Inox once a month
• Experience comprehensive protection up to ₹1 Cr with your debit card
• Earn 8 EDGE REWARD Points on domestic transactions and 2 EDGE REWARD Points on overseas transactions for every Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citigold Private Client NR Debit Card/ Citigold Private Client Visa Infinite NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold Private Client NR Debit Card/ Citigold Private Client Visa Infinite NR Debit Card holder, you will be offered the Axis Bank Burgundy Private Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Private Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 20 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets
• Enjoy top-notch dining with a 40% discount
(up to Rs 1000) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection up to ₹1 Cr
with your debit card
• Earn 10
EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions per Rs 100 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citigold World NR Debit Card/ Citigold Visa Infinite NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold World NR Debit Card/ Citigold Visa Infinite NR Debit Card holder, you will be offered the Axis Bank Burgundy Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 16 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets for the latest entertainment
• Enjoy top-notch
dining with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive
protection up to ₹1 Cr with your debit card
• Earn 10 EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions per Rs 100 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citi Priority NR Debit Card/ Citi Priority Visa Signature NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Priority NR Debit Card/ Citi Priority Visa Signature NR Debit Card holder, you will be offered the Axis Bank Priority Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Priority Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India and 8 global visits/year
• Enjoy up to 2 complimentary Bookmyshow tickets for the latest blockbusters or events/plays
• Enjoy top-notch dining
with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, complemented by 12 annual golf lessons
• Comprehensive
protection up to ₹1 Cr with your debit card
• Earn 13 EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions
per Rs 200 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citi Banking NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Banking NR Debit Card holder, you will be offered the Mastercard Debit Card upon completion of the migration. You can start enjoying the following benefits of your Mastercard Debit Card effective migration day while you may still hold your existing card:
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once per month
• Experience comprehensive protection up to ₹1 Cr with your debit card.
• Earn 8 EDGE REWARD Points on domestic transactions for every Rs 200 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
Post migration, what are the channels I can use for raising a dispute or reporting a transaction as fraudulent?
On migration day, rest assured, all your ongoing disputes will be migrated to Axis Bank platform.
Post migration, you can use the Axis Bank service channels to raise any new dispute or report a fraudulent transaction:
i. Axis Bank Website:
• Go to the “Support” section which can be accessed here. • Scroll down
to the “Reach us here” menu
• You can choose the below options to raise a dispute or report a fraud:
• Connect via Email
• Connect via ‘Chat with Agent’
ii. Axis Bank Mobile Banking App, Open:
• Select “Support” on the landing page
• Scroll down to the “Reach us here” menu
• You can choose the below options to raise a dispute or report a fraud:
• Connect via Email
• Connect via ‘Chat with Agent’
iii. Call Phone Banking at 1860-419-5555, 1860-500-5555 or 1800-103-5577 (Toll Free Number)
iv. Visit your nearest Axis Bank branch to raise a dispute or report a fraudulent transaction
Which points will be redeemed first during redemption: migrated Citi points or points earned after migrating to Axis Bank?
After migration, all your migrated Citi points will be treated as if earned in Axis on the migration day. Points earned directly in Axis will retain their original earn dates.
If you are an existing Axis Bank as well as Citibank customer, then points earned in Axis before migration day will be redeemed first, followed by Citi points. Any reward points earned after migration day across all your cards will be redeemed as per their respective earn dates.
If you are only a Citibank customer, with no existing Axis Bank relationship until migration day, then your Citi points will be redeemed first, followed by Axis points which are earned after migration.
Will I be able to view the reward points earned for each transaction?
Yes, for transactions conducted after migration, you will be able to view corresponding rewards points earned against each transaction, on the Axis Bank Mobile app and Axis Bank EDGE REWARDS website.
Additionally, all unredeemed Citi reward points earned as of migration day, will be converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own and will be available at a cumulative level on Axis Bank mobile app and EDGE REWARDS website.
Please follow the below steps to view your reward points:
• Log in to Axis Bank Internet Banking or Mobile App
• Go to Menu (☰)
• Click on ‘Reward Points’
• Click on ‘Transaction History’
• Visit ‘Earns’ or ‘Redemption’ section to see the points earned and redeemed per transaction.
After migration, can I still redeem my debit card reward points as cash credit to account?
After migration, you will not be able to redeem your debit card reward points as cash credit to your account. Axis Bank offers you a wide range of options for redemption of reward points earned on debit cards, as follows:
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link:
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link:
• In-store (POS) redemption at partner stores/ merchants.
For details on rewards redemption T&Cs, please click here :
For details on partner miles conversion or Miles Transfer program, please visit :
Will I be charged any fees while redeeming my reward points?
There will be no redemption fee applied to your debit cards.
Can I continue to avail offers which were applicable on my Citi branded Cards?
Post migration, you will no longer be able to access offers applicable on your Citi branded Cards. You can avail offers across categories that are valid on Axis Bank cards. For the detailed list of offers, please visit our GRAB DEAL page:
I'm awaiting refund/reversal on one of my Debit card purchases. Will that be impacted due to migration?
No, there will be no impact on your refund / reversal due to migration. They will be processed as and when they are received from the merchant. These can be viewed on your Citibank Online Account or Citi Mobile® App before migration and on Axis Bank Mobile App or Internet Banking platform after migration.
Will activation benefits be applicable on Axis Bank Online Rewards Debit Card for migrating customers?
No, activation benefits are only applicable to newly issued debit card and hence will not be applicable migrating customers holding Axis Bank Online Rewards Debit Card.
Will milestone benefits be applicable on Axis Bank Online Rewards Debit Card for migrating customers?
Yes, milestone benefit will be applicable on Axis Bank Online Rewards Debit Card for migrating customers, every card anniversary year. Customers completing transactions of Rs. 1 lakh using their Online Rewards Debit Card annually are eligible for milestone benefit of Grab Deals Voucher worth Rs.500. The card anniversary date for these customers will be new Axis Bank Debit Card issuance date, and these customers will start enjoying this benefit from 2025. For more offer details, click here.
Will the existing standing instructions/ recurring payments set up on my card continue to work after migration?
Yes, any standing instructions/ recurring payments that you currently have in place with merchant/ product/ service providers such as for OTT subscriptions (such as Netflix etc.), Mutual Funds and SIPs, insurance payments, utility bill payments, etc. will continue to work after migration as usual.
After migration, please sign-up on to view and manage standing instructions set up on your card.
Below are the detailed steps to be followed:
• Visit Axis Bank SI Hub portal at :
• Click on Sign-up
• Enter profile details (name, email address) and set up account password
• Verify your details using the verification code and submit
• Upon successful verification, ‘Add Your Card’ screen appears
• Enter your card details and proceed for ACS authentication
• After successful authentication, ‘Login’ to manage your standing instructions through the profile details & password set earlier.
I have my card details saved at online merchants (e.g., Flipkart, Zomato). Do I need to save my card details again?
No, you can continue use your card details saved at online merchants (e.g., Flipkart, Zomato) after migration as usual. Please note that once you receive your new Axis Bank card(s) within a few weeks after migration, you will have to save your card details at the online merchants. More details will be shared with you in due course.
I have a savings account with both Axis Bank & Citi. Will my accounts be merged post migration?
No, your accounts will not be merged. You will be able to view & manage both accounts independently, via various banking channels post migration to Axis Bank.
Will my bank account number remain the same post migration?
Yes, your bank account number would continue to remain the same post migration.
Will the daily limits that I have set-up on my debit card for POS, Online, ATM and Contactless modes remain same as before migration?
Yes, all your transaction limits and daily limits set up on your debit card will remain the same post migration. However, should you wish to reset or view your limits, please follow the process outlined below:
i. Axis Bank Mobile App:
• Login to Axis Bank Mobile App
• Go to Services
• Choose Debit Card Manage Usage
• Select Debit Card
ii. Internet Banking:
• Login to internet banking
• Got to Services
• Select the card under Debit Card section
• Choose manage usage
iii. Phone Banking: Call 1860 419 5555/ 1860 500 5555 and follow instructions
How can I update the address for my card delivery/ communication?
Up to 7 days before the migration day:
Please use Citibank Online Account to update your address for card delivery/ communication:
• Log in to your Citibank Online Account and click on ‘Banking’ tab for debit cards.
• Click on ‘Contact Details’ and then on ‘View/ Edit’ under Contact Details.
• Choose the relationship for which you wish to View/ Edit contact details.
• Enter the OTP sent to your registered number to View/ Edit contact details. Proceed.
• Choose the ‘Edit’ tab to make necessary changes in your Email/ Mobile number/ Mailing address.
• Update the relevant details and click on ‘Save’ to apply the changes.
You can do so by clicking on this link.
Less than 7 days to migration:
You will not be able to update your address for card delivery/ communication.
After migration day:
Please use any of the following Axis Bank service channels to update your address for card delivery/ communication:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Go to the Home page after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Phone Banking: Call 1860 419 5555/ 1860 500 5555 and follow instructions
• Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch :
• Bring along proof of address (original & photocopy) to place a request for an address change.
Note: If you are an existing customer of both Citi and Axis, we request you to update your address details on both platforms for all your banking relationships before migration itself.
I have multiple cards with Axis Bank and Citi. Will any of my cards be closed on migration day?
No, none of your cards will be closed upon migration day. You can continue to use all your Axis and Citi-branded Cards seamlessly post migration and avail their respective benefits and features.
I have enabled Do Not Disturb (DND) on my mobile number and email address. Will the DND services continue post migration?
Yes, your registered Do Not Disturb preferences associated with your phone number and email address will remain in effect post-migration. These preferences will apply to all products held across both Citi and Axis Bank, as long as your contact details are same across both systems.
However, if you have updated your phone number or email address, you will need to re-register for the Do Not Disturb Services using your updated contact information.
If my card gets lost or damaged closer to the migration date, can I still apply for reissue and when will I get the card?
Up to 1 day before migration date
Please use the Citibank Online or Citi Mobile ® App to report a lost/ stolen card:
Citibank Online:
• Log in to Citibank Online Account.
• In the top menu, click on Banking tab (for debit card)
• In the Left-hand side menu, click 'Report Lost/Stolen card' and follow the steps outlined on the screen.
• Choose the card you wish to block, select the reason for blocking (whether lost or stolen) and yes for issuing new card and click ‘Next’
Citi Mobile ® App:
• Log in to Citi Mobile ® App.
• Choose ‘Account Summary’ and select the account/card you want to block.
• Click on ‘Block Card Permanently.
• Select reason for blocking (whether lost or stolen), yes for issuing new card and click ‘Continue.
You can also contact the Citi customer care service at 1800 267 2425 (India toll free) or +91 22 4955 2425 or +91 44 6698 2136 (local dialing) to log a complaint or block your card. Note: When a lost card is blocked, your access to view your account online will also be blocked, until a new card is re-issued.
Post migration
Please contact the Axis Bank customer care service at 1860-419-5555, 1860-500-5555 or axisbank.com/support to report a lost/ damaged card and get assistance in blocking the card and getting a replacement card issued.
Your replacement card will be dispatched to your registered mailing address. You will receive your replacement card within 10 working days of the request.
Please note that you will not be able to reissue your card 1 day before migration date to post migration due to service interruptions.
I have requested for a reissue of my damaged debit card few days before migration. Till when can I continue to use my old card?
Once the debit card is reissued, you will be able to use the old debit card until the end of subsequent month or till the date of migration to Axis Bank platforms, whichever is earlier.
I had swapped my debit card to another Citi branded Card before migration, till when can I continue to use my old debit card?
Once the debit card is swapped, you will be able to use the old debit card until the end of subsequent month or till the date of migration to Axis Bank platforms, whichever is earlier.
Can I apply for a debit add-on card in Axis Bank?
No, Axis Bank does not offer add-on debit cards.
Will my Citi branded add-on Debit Card(s) be migrated to Axis Bank?
Yes, all add-on cards linked to your Citi branded Debit Card(s) would also be migrated to Axis Bank.
What are the benefits available on my add-on debit card?
The benefits of Add-on debit card will be same as primary debit card.
What will happen to the unredeemed reward points earned on my add-on debit card?
All unredeemed reward points on your add-on debit card, as of migration day would be migrated and converted to an equivalent value in Axis EDGE Reward Points and added to the loyalty account of your primary cardholder.
Can an add-on debit cardholder redeem reward points?
No, only the primary cardholder will be able to redeem reward points on behalf of the add-on cardholder.
What will happen to the limit set on the add-on debit card? How can I manage my limits?
Only the primary cardholder will be able to set or modify limit of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
Can an add-on debit cardholder access Axis Internet Banking and Mobile App?
No, add-on debit cardholders will not be able to access Axis Internet Banking and Mobile App. Primary debit cardholders will be able to view and manage Add-on Debit cards through Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
How can I set ATM PIN of my add-on debit card?
Only the primary cardholder will be able to set ATM PIN of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile Banking.
Which add-on card debit card will I get post migration?
Customer will receive the same variant of debit card as the primary cardholder post migration.
Can I upgrade my add-on debit card?
No, upgrade is not allowed for add-on debit cards.
How can I place lost and replacement or block request on my add on debit card?
Only the primary cardholder will be able place lost and replacement or block request of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
Will the mailing address for my add on card change post migration? How do I update the address for my add on card?
Yes, mailing address for your add on card may change post migration. Post migration, we request you to view and update your address registered for add-on card through the following channels:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Go to the Home page after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Branch:
Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch: :
Bring along proof of address (original & photocopy) to place a request for an address change.
Will my account number, IFSC code, MICR change? If yes, when will I be receiving new account details?
There will be no change in the account number, however the new MICR and IFSC code will change and has been communicated to customers via email, SMS and WhatsApp. Please refer to the following link.
When will TDS Certificate be issued? Where can I access it from?
For any TDS Certificate post Mar ‘23, you can either access it through Internet Banking or Mobile Banking App, open. Alternatively, you can visit the branch to request for the same. The TDS Certificate is generated every quarter. For TDS certificates prior to Mar ’23, please reach out to Citibank.
I hold accounts with both Axis Bank and Citibank. What will happen to these accounts post migration? Should I close one account?
All your Axis Bank relationships will be tagged to a single Customer ID and you will be able to access and operate both accounts simultaneously.
Will I be required to maintain a minimum balance in my account, post migration?
Yes, there will be a new minimum balance requirement that customers will need to maintain. We will keep our customers informed in advance.
Are Citibank Internet and Mobile Banking services going to be affected by the transfer of business? Can I use my existing login ID and password?
We regret to inform you that you will not be able to access Citibank Internet and Mobile Banking App, post the migration. You will have to register yourself at Axis Bank Internet Banking and Mobile Banking App, open.
I have a Citibank account in another country too. Will those accounts be migrated too ?
No, only accounts held with Citibank India will be migrated to Axis Bank.
Will there be any change needed from my end with respect to any Citibank post - dated cheques that I issued prior to migration?
Yes, please start using Axis Bank Cheque Book delivered to you immediately. Any Citibank PDCs should be replaced with Axis Bank cheques as Citibank cheques will not be valid after migration.
Will I have to request for new Cheque Books and Passbooks?
Yes, we have dispatched new Axis Bank Cheque Books to all the clients already. In case it’s not delivered due to certain reason(s) after multiple attempts, you may request for a new Cheque Book by calling Axis Phone Banking. Please ensure your mailing address is updated in the Bank’s records.
Do I have to get a new Debit Card / ATM Card? Is there a charge for the same?
You can continue to use your Citi-branded card seamlessly post the migration. There is no change to the cards number or PIN or CVV. The new Axis Bank Debit / ATM Card will be delivered in due course of time without any charge to the customers.
Will there be any change in fees and charges of my Citibank account?
Any changes in the charge structure will be informed to you well in advance.
Will interest rates or tenures of my savings account or RD / FD change? How will I know in case of any change?
There is no change in the rate or tenure of existing FD / RD till renewal. Post renewal, it will be aligned to Axis Bank rates.
Do I need to download a new mobile app after the migration?
Yes, the customer will have to download Axis Bank Mobile App, open through Play Store or iOS store.
Will my ECS mandates get impacted post migration?
ECS mandates will be transferred to Axis Bank as it is.
Will Citibank continue to report 1099 and send me 1099 certificates
No, 1099 certificate will be discontinued, TDS Certificates will be issued.
Will any change occur in Citibank PO Box address post the migration?
Yes, now you can use Axis Bank PO Box services available in 30+ countries. Refer link.
Will documents courier pick up service / reverse courier pick up service continue post migration?
No, document courier pick-up / reverse courier pick-up service will be discontinued. You may use Axis Bank PO Box services available across 30+ countries for to courier documents to India.
Will mailbox / room address remain same to send the documents for servicing?
Yes, the address remains same as follows:
Regular Mail:
Citi, PO Box 4830, Anna Road Post Office, Chennai 600 002, Tamil Nadu, India.
Registered or Certified Mail:
Citi N.A., Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai –600 004.
I have already submitted DTAA Exemption in Citibank records, will I have to again share with Axis Bank?
Yes, if the customer has a DTAA exemption for FY 24-25, you will have to submit the documents again post migration to be updated in Axis Bank’s records.
Can I continue to send hand-written requests?
No, Axis Bank discourages the usage of free format requests. Kindly submit requests only in pre-defined formats
Till what time I can continue using my old Citibank Cheque Book?
Once you receive the new Axis Bank Cheque Book, please start using it immediately as Citibank cheques will not be valid post migration.
Whom can I connect with or can write for any kind of queries?
You may contact your Relationship Manager or write to us at nri.services@axisbank.com if there is no Relationship Manager mapped.
How can I connect with phone banking for any queries?
You may call below mentioned country wise numbers available 24*7 for any assistance:
Australia:1800 153 861
Australia:1800 153 861
Canada: 1855 436 0726
Hong Kong : 0008000503333
India: +91 40 67174100
Singapore: 800 120 6355
Thailand: 0008000503555
UK: 0808 178 5040
USA: 1855 205 5577
Dubai/Sharjah/UAE: 8000 3570 3218
Qatar: 00 800100348
Saudi Arabia: 800 850 0000
Bahrain: 0008000503535
Can I avail a locker at an Axis Bank branch without having an account at the branch? Will I get any discount?
You can visit any Axis Bank branch where lockers are available to avail the facility. You will need to provide your Citibank account number with KYC (PAN Card and Aadhaar Card) following which an Axis Bank Cust ID will be created and a locker will be allotted. Lockers are offered at a discounted rate and you can pay the rent online.
I have an Axis Bank branch near my house and I have been put on a waitlist to avail of the locker service. Will I get some priority in getting a locker?
Lockers are allotted on the basis of availability. Please do leave your details with the branch and we will reach out to you.
How will I pay my locker rent post the migration? Do I have to open any new security Fixed Deposit?
No, you do not have to open a new security Fixed Deposit. Standing instructions will be marked on your account and rent will be collected on an annual basis.
What will happen to my lockers in Citibank branches? Will the charges / fees change?
As part of the transition, your locker will also be migrated andwill be linked to your Axis Bank account. In case of any change in fees, it will be communicated to you well in advance.
I am currently a Citigold Private Client / Citigold / Citi Priority / SUVIDHA Salary account holder. Will I get a discount on my locker with Citibank on par with the discount offered to Axis Bank customers?
For new locker requests, all migrated customers will get discounts at par with Axis Bank customers.
Will there be any change in the process of making inward foreign transfers to my account post migration?
There will be no change in the process of making inward foreign transfers post the migration. Your remitters (people who are sending you funds in foreign currency) would need to approach their overseas bank to initiate a wire transfer in foreign currency. While initiating an international fund transfer to your account, the remitter should use the SWIFT code of Axis Bank i.e., AXISINBB.
Can I continue to send funds to the Citibank NOSTRO account as I currently do?
We would request you to start using Axis Bank's designated NOSTRO account for all your inward foreign remittances. Please make sure that the same is initiated with the SWIFT code of Axis Bank i.e., AXISINBB.
In which currency can a wire transfer be made to my account?
Remitters sending funds to your account can choose from all major foreign currencies while making the fund transfer. Please click here or details and to view the complete list of currencies.
Where can I find the Axis Bank NOSTRO account details?
Please click here to view the account details of Axis Bank NOSTRO account.
How long does it typically take to get funds in my account post an inward remittance has been initiated? How can I check the status of my transactions?
It typically takes 24-48 hours for the amount to be credited to your account post receiving the funds in Axis Bank's NOSTRO account. This is subject to all supporting documents (if any) being in place and no discrepancy. At any time, please feel free to reach out to the Axis Bank (Forex) branch team to check the status of your transaction.
Are there any changes in the applicable charges for inward wire transfers?
Currently, there are no changes in the charges for inward wire transfers. Any change in charges shall be communicated separately.
Who do I reach out to incase of any queries regarding my transactions?
You can connect with your Relationship Manager or any nearest branch, for assistance on your transactions.
How can I register on the Remit Money platform of Axis Bank to send money?
You can easily register on the REMITMONEY platform (www.remitmoney.com) by clicking on:
• ‘Sign Up’ & fill the details:
• Choose the country you want to send funds from.
• Sign up using details of your first name, last name, email ID along with your mobile number.
• Complete email OTP verification.
Once verified, you will be registered successfully.
To remit funds simply:
1) Add your Indian Beneficiary account.
2) Enter the amount you want to send to India.
3) a) For CHF & EUR: Initiate local fund transfer from your overseas bank account to REMITMONEY NOSTRO account, as displayed on the screen, before the cut off time.
b) For USD: After providing necessary
details, click on “Confirm and Proceed for Instant verification”. Link your bank account with REMITMONEY for automated fund transfer postbooking the transaction.
4) Funds will be credited to the beneficiary’s account.
To know more about REMITMONEY features and services, please click here.
Will I still receive the preferential rates applicable to my transaction?
The preferential rates over and above the published card rates are provided at the bank's discretion. Please connect with your Relationship Manager for the same.
Are there any changes in the purposes for which I can initiate an outward remittance?
You can initiate the transaction in any of our branches for all the available purposes. Outward remittance for selective purposes is available on our digital platforms.
Do I need to liaise with Axis Bank branches for my queries and for tracking my transactions?
Yes, please do connect with your Relationship Manager or any nearest branch for assistance regarding your remittance request.
Are there any changes in the charges for outward remittances?
Yes, FX rates, core banking charges and processing charges may differ. For details, please click here.
Will the amount get automatically debited from my account on initiating an outward remittance?
Yes, a consolidated debit will be done to your account including all the charges and applicable taxes.
Are there any extra documents that I need to provide for initiating outward remittances from now on?
To view the document checklist please click here. You may also connect with your Relationship Manager or any nearest Axis Bank branch for assistance on the remittance request.
What are the currencies which are available for outward remittances?
We have 14 major currencies available through the offline branch channel and 100 currencies available on the online digital channel.
Major currencies include USD, EUR, GBP, AUD, CAD, JPY, SGD, SEK, CHF, AED, NZD, THB, HKD, and SAR.
Will I receive any intimation once the funds are debited from my account?
Yes, you will get a debit alert and a SWIFT copy on your registered email ID.
Is there any change in the limit on fund transfers?
No, there will be no change in the limit for making fund transfers.
My bank account was debited but my outward remittance has not been processed yet. What should I do?
• If the transaction was initiated between 10 am to 4 pm on a working day, it will be processed on the same day. If the transaction was initiated post 4 pm, it will be processed on the next working day.
• If the transaction is initiated before 4 pm and has not been processed within 4-6 hours, kindly drop an email to RFRC helpdesk, RFRC.Helpdesk@axisbank.com mentioning the transaction reference number and Customer ID.
• Also, write an email at sakinaka.forex@axisbank.com to check return of funds, reason, and to take possible corrective action.
• If the status is still unclear, raise a fund tracer request in the Miscellaneous Queue of Intellect.
• Send the fund tracer SWIFT to query.corrbanking@axisbank.com requesting details regarding the status of funds.
You may also connect with your Relationship Manager or any nearest branch for further assistance
Will there be any change in fees and charges on my Citibank account?
Post migration, we will dispatch your new Axis Bank Debit Card in due course based on the assigned Axis Bank account segment:
| S.No. | Axis Bank Account Segment | Axis Bank Debit Card | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Axis Bank Burgundy Private | Axis Bank Burgundy Private Debit Card | Click Here |
| 2 | Axis Bank Burgundy | Axis Bank Burgundy Debit Card | Click Here |
| 3 | Axis Bank Priority | Axis Bank Priority Debit Card | Click Here |
| 4 | Axis Bank Prestige | Axis Bank Prestige Debit Card | Click Here |
| 5 | Axis Bank Liberty | Axis Bank Liberty Debit Card | Click Here |
| 6 | Axis Bank Business | Axis Bank Business Supreme Debit Card | Click Here |
| 7 | Axis Bank Prime | Mastercard Debit Card | Click Here |
| 8 | Axis Bank Basic Savings Bank Deposit Account | Axis Bank Basic Savings Account Debit Card | Click Here |
Note: Customers holding the Citi Rewards Debit Card will get the Axis Bank Online Rewards Debit Card
To find out your Axis Bank segment, kindly refer to the communications shared with you earlier or refer to your newly delivered Axis Bank cheque book. You can also call us at the following numbers:
For Axis Bank Burgundy Private:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 210 8888
For Axis Bank Burgundy:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 419 0065
For Other Segments:
• Before migration day: 1860 210 2484
• On and post migration day: 1860 419 555
For NRI Customers
• Before migration day: Click here
• On and post migration day: Click here
What will happen to my accumulated reward points or miles on my old/ existing Citi branded Card?
All your unredeemed reward points, as of migration day, will be migrated and converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own, while ensuring that the monetary value remains the same. The points accumulated till the migration date will remain never expiring. However, points earned post migration will expire after three years. E.g.: Points earned on 10 th August 2024 will expire on 10th August 2027
Points earned post migration will also expire in case you have made no transaction, no reward redemption and have not logged in to your EDGE REWARDS portal in a period of 365 days.
To understand the value of your accumulated reward points post migration, refer to the rewards calculator here.
Please note, your reward balances across all banking products will be consolidated and can be viewed on Axis Bank Mobile App or EDGE REWARDS portal.
Please refer to the table below for conversion details:
| S. No. | Citi Product Name | Axis Bank Product Name | Reward Conversion Details |
|---|---|---|---|
| 1 | All Citi Debit Cards | All Axis Bank Debit Cards | 1 Reward Point = 5 EDGE REWARDS |
Note: Even though there may be changes in number of reward points on your card(s) post migration, the monetary value of your reward points will continue to remain the same.
What redemption options will I be able to enjoy on my Axis EDGE REWARD Points after migration?
Rest assured; you can continue to redeem your reward points through your existing redemption options. After migration, you can redeem your Axis EDGE REWARD Points / EDGE Miles through multiple redemption options across various channels, depending on your card type.
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link.
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link.
• In-store (POS) redemption at partner stores/ merchants.
For details on rewards redemption T&Cs, please click here.
For details on partner miles conversion or Miles Transfer program, please visit.
What will be the name of my Citi Debit Card post migration?
Please refer to the table below to find out the name of your new debit card effective migration day:
| S. No. | Existing product name | New product name effective migration day | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card* | Axis Bank Burgundy Private Debit Card | Click Here |
| 2 | Citigold World Debit Card/ Citigold Visa Infinite Debit Card* | Axis Bank Burgundy Debit Card | Click Here |
| 3 | Citi Priority/ Citi Priority Visa Signature Debit Card* | Axis Bank Priority Debit Card | Click Here |
| 4 | Citi Banking Debit Card | Axis Bank Liberty Debit Card (Indian residents) | Click Here |
| Mastercard Debit Card (Non-residents) | Click Here | ||
| 5 | Citi Business World Debit Card | Axis Bank Business Supreme Debit Card | Click Here |
| 6 | Citi Rewards Debit Card | Axis Bank Online Rewards Debit Card | Click Here |
Note: * Also applicable for non-resident (NR) cardholders.
Who will issue the TDS certificates going forward?
We have been issuing TDS certificate effective 1st Mar’ 23 and will continue to do so. For TDS certificates prior to 1st Mar 23, please write to Citibank.
Will I get my TDS certificate before the completion of migration? How will I receive it?
Yes, you will receive the TDS Certificate for the period from 1stMarch ’23 till the migration date on your registered email ID. In case you need a duplicate certificate, reach out to our phone banking team or simply walk-in to any of our branches. Post the transition, you can view these certificates through Internet Banking as well using the following path.
Will my existing Relationship Manager continue to manage my relationship once I am transferred to Axis Bank?
While we will try and retain your existing relationship manager where possible, should there be a change in the same, we will communicate the change to you well in advance.
Will I be able to access my Citibank savings account through Axis Bank Internet Banking?
Yes, upon migration to Axis Bank you will be able to access all the past data of your Citibank savings account through Axis Bank Internet Banking and Mobile Banking App, open.
Will my Customer ID change post the transfer of business?
Yes, you will be assigned a new Customer ID on your transition to Axis Bank.
Can I open my family's account at Axis Bank? Will their balances be included as a part of my household relationship?
Yes, as part of Family Banking Program, the household balances will be considered in the TRV (total relationship value) calculation where applicable.
What will be the process for applying for new Axis Bank cheque book and passbooks post the migration?
You can apply for a cheque book through Axis Bank Internet Banking and Mobile Banking App, open. You can contact your Relationship Manager or your branch (if assigned). You can apply through the requisition slip available in your cheque book and submission to the branch. You can also get in touch with our phone banking team for any assistance.
Will I be able to access international Citibank branches post migration?
No, International Citibank branches are not part of the migration and not accessible effective Mar 1, 2024.
Who should I contact if I have stopped receiving transaction and OTP-related communication for my transactions?
You will need to visit the Axis Bank branch in case you are not receiving any alert / OTP
I have accounts in Citibank and Axis Bank. Will my Customer ID be the same for net banking purposes for all my accounts?
The accounts will be integrated under a common customer ID post-migration that will be used for digital banking.
Can I continue to use the Citi Mobile App or do I need to start using the Axis Bank Mobile Banking App, open?
Post the migration, you will have switch to the Axis Mobile Banking App, open
Will I continue to get my account statements in the same format as I get in Citibank, or will there be any changes?
Post the migration, there will be a change in the format of the statements.
Post the migration if I need a historical statement of my Citibank accounts, how I can I get them?
You can request a historical statement for up to 10 years prior to the migration through any Axis Bank branch.
Will I need to submit any additional documents or redo my KYC upon migration?
AllNo, there are no additional KYC documents which are required to be submitted for migration. However, if your re-KYC is due, we would suggest that you visit the nearest Axis Bank Branch to get your KYC updated.
I hold accounts in both Axis Bank and Citibank. What happens to these accounts? Must I close one account?
No, you do not need to close any account as Citibank accounts shall be migrated onto Axis Bank systems post the migration and merged under a common customer ID. For a BSBDA account, one account will have to be closed by you as per regulatory guidelines.
Will there be any impact on the branches due to migration? Will my base branch change?
No, there will be no impact of this migration on Axis Bank branches. Your base branch will continue to remain the same.
Can I deposit a cheque favoring Citibank account number / TD number at an Axis Bank branch?
Post receipt of your new Axis Bank cheque book please do start using the same favoring Axis Bank account number or Axis Bank Fixed Deposit number and deposit at an Axis Bank branch. Please do not prefix Citibank with the account number or Deposit number while writing the cheque to avoid any bounce / return.
I am a foreign national and was working in India, holding a Citibank INR account. I am now based in my home country and need an account to transfer the funds/ retirals from my previous job posting. How to do the same?
Once you leave India, your account needs to be converted to NRO account and funds must be repatriated abroad as per the guidelines for NRO accounts. For further details, you may also connect with your Relationship Manager or any nearest branch.
I have closed my Citibank and need the closure details. I need to know the status of the funds and how will I receive them?
If the account is closed prior to 1st March ’23, then please write to, serviceindia@citi.com. For closures effective 1st March ’23, you can visit any Axis Bank branch.
Can I nominate an NRI in existing Citibank or new Axis Bank account) post the migration?
Yes, you can make an NRI as your nominee.
What will be the TAT for local cheque clearing?
The local cheque clearing TAT will be one business day. You are requested to check with the branch staff or your Relationship Manager on cheque deposit timings.
How can we make a stop payment on ECS / NACH?
You can visit any Axis Bank branch to place a request for a stop payment on ECS / NACH.
How can I release a stop payment on ECS / NACH?
You can visit any Axis Bank branch to place a request for releasing a stop payment on ECS / NACH.
What will happen to the Standing Instructions (SIs) maintained on the DD issuance post migration?
Your Standing Instructions (SIs) maintained towards DD issuance will not get migrated. You are requested to review the same and make alternate arrangements.
Will cheque pick up facility be available post the migration?
The cheque pick-up facility will be discontinued post the migration.
I am currently a Citigold Private Client / Citigold / Citi Priority / SUVIDHA salary customer. Which segment will I be a part of, at Axis Bank?
You will be informed of your new segment prior to migration. Rest assured we will ensure there is no change in your experience port this migration.
Will there be any change in the process of making inward foreign transfers to my account post-migration?
There will be no change in the process of making inward foreign transfers post the migration. Your remitters (people who are sending you funds in foreign currency) would need to approach their overseas bank to initiate a wire transfer in foreign currency. While initiating an international fund transfer to your account, the remitter should use the SWIFT code of Axis Bank i.e., AXISINBB.
Can I continue to send funds to the Citibank NOSTRO account as I currently do?
We would request you to start using Axis Bank's designated NOSTRO account for all your inward foreign remittances. Please make sure that the same is initiated with the SWIFT code of Axis Bank i.e., AXISINBB.
In which currency can a wire transfer be made to my account?
Remitters sending funds to your account can choose from all major foreign currencies while making the fund transfer. Please click here or details and to view the complete list of currencies.
Where can I find the Axis Bank NOSTRO account details?
Please click here to view the account details of Axis Bank NOSTRO account.
How long does it typically take to get funds in my account post an inward remittance has been initiated? How can I check the status of my transactions?
It typically takes 24-48 hours for the amount to be credited to your account post receiving the funds in Axis Bank's NOSTRO account. This is subject to all supporting documents (if any) being in place and no discrepancy. At any time, please feel free to reach out to the Axis Bank (Forex) branch team to check the status of your transaction.
Are there any changes in the applicable charges for inward wire transfers?
Currently, there are no changes in the charges for inward wire transfers. Any change in charges shall be communicated separately.
Who do I reach out to incase of any queries regarding my transactions?
You can connect with your Relationship Manager or any nearest branch, for assistance on your transactions.
How can I register on the Remit Money platform of Axis Bank to send money?
You can easily register on the REMITMONEY platform (www.remitmoney.com) by clicking on:
• Sign Up’ & fill the details:
• Choose the country you want to send funds from.
• Sign up using details of your first name, last name, email ID along with your mobile number.
• Complete email OTP verification.
Once verified, you will be registered successfully.
To remit funds simply:
1) Add your Indian Beneficiary account
2) Enter the amount you want to send to India.
3) a) For CHF & EUR: Initiate local fund transfer from your overseas bank account to REMITMONEY NOSTRO account, as displayed on the screen, before the cut off time.
b) For USD: After providing necessary
details, click on “Confirm and Proceed for Instant verification”. Link your bank account with REMITMONEY for automated fund transfer post booking the transaction.
4) Funds will be credited to the beneficiary’s account.
To know more about REMITMONEY features and services, please click here.
Will I still receive the preferential rates applicable to my transaction?
The preferential rates over and above the published card rates are provided at the bank's discretion. Please connect with your Relationship Manager for the same.
Are there any changes in the purposes for which I can initiate an outward remittance?
You can initiate the transaction in any of our branches for all the available purposes. Outward remittance for selective purposes is available on our digital platforms.
Do I need to liaise with Axis Bank branches for my queries and for tracking my transactions?
Yes, please do connect with your Relationship Manager or any nearest branch for assistance regarding your remittance request.
Are there any changes in the charges for outward remittances?
Yes, FX rates, core banking charges and processing charges may differ. For details, please click here.
Will the amount get automatically debited from my account on initiating an outward remittance?
Yes, a consolidated debit will be done to your account including all the charges and applicable taxes.
Are there any extra documents that I need to provide for initiating outward remittances from now on?
To view the document checklist please click here. You may also connect with your Relationship Manager or any nearest Axis Bank branch for assistance on the remittance request.
What are the currencies which are available for outward remittances?
We have 14 major currencies available through the offline branch channel and 100 currencies available on the online digital channel.
Major currencies include USD, EUR, GBP, AUD, CAD, JPY, SGD, SEK, CHF,
AED, NZD, THB, HKD, and SAR.
Will I receive any intimation once the funds are debited from my account?
Yes, you will get a debit alert and a SWIFT copy on your registered email ID.
Is there any change in the limit on fund transfers?
No, there will be no change in the limit for making fund transfers.
My bank account was debited but my outward remittance has not been processed yet. What should I do?
• If the transaction was initiated between 10 am to 4 pm on a working day, it will be processed on the same day. If the transaction was initiated post 4 pm, it will be processed on the next working day.
• If the transaction is initiated before 4 pm and has not been processed within 4-6 hours, kindly drop an email to RFRC helpdesk, RFRC.Helpdesk@axisbank.com mentioning the transaction reference number and Customer ID
• Also, write an email at sakinaka.forex@axisbank.com to check return of funds, reason, and to take possible corrective action.
• If the status is still unclear, raise a fund tracer request in the Miscellaneous Queue of Intellect.
• Send the fund tracer SWIFT to query.corrbanking@axisbank.com requesting details regarding the status of funds.
You may also connect with your Relationship Manager or any nearest branch for further assistance.
Can I avail a locker at an Axis Bank branch without having an account at the branch? Will I get any discount?
You can visit any Axis Bank branch where lockers are available to avail the facility. You will need to provide your Citibank account number with KYC (PAN Card and Aadhaar Card) following which an Axis Bank Cust ID will be created and a locker will be allotted. Lockers are offered at a discounted rate and you can pay the rent online.
I have an Axis Bank branch near my house and I have been put on a waitlist to avail of the locker service. Will I get some priority in getting a locker?
Lockers are allotted on the basis of availability. Please do leave your details with the branch and we will reach out to you.
How will I pay my locker rent post the migration? Do I have to open any new security Fixed Deposit?
No, you do not have to open a new security Fixed Deposit. Standing instructions will be marked on your account and rent will be collected on an annual basis.
What will happen to my lockers in Citibank branches? Will the charges / fees change?
As part of the transition, your locker will also be migrated and will be linked to your Axis Bank account. In case of any change in fees, it will be communicated to you well in advance.
I am currently a Citigold Private Client / Citigold / Citi Priority / SUVIDHA Salary account holder. Will I get a discount on my locker with Citibank on par with the discount offered to Axis Bank customers?
For new locker requests, all migrated customers will get discounts at par with Axis Bank customers.
Will the interest payment date undergo a change post migration?
No, the interest payment date will not undergo any change post the migration.
I am currently getting quarterly interest credited to my Savings Account. Will this continue?
Yes, it will continue as is.
What will be the interest rate of my Savings account, will it be the same as Citibank or change at Axis Bank?
Interest rates were modified effective Mar 1, 2023, and there will be no further change upon migration. Please be assured that we will communicate any change well in advance.
Will there be any change in the frequency of the interest credited to my account?
There is no change in the frequency.
How will the calculation on savings account interest be done at Axis Bank?
Interest calculation is done on the basis of the daily balance maintained in the savings account and credited in your account quarterly.
Will there be any change in fees and charges on my Citibank account?
There will be no immediate change to the charges. Any change will be communicated well in advance.
Where can I call for grievance redressal related to fees and charges?
For any concern you might have regarding fees or charges, you can call our phone banking team or contact your Relationship Manager (if assigned).
Which Axis-branded Debit Card will I receive post-migration?
Post migration, we will dispatch your new Axis Bank Debit Card in due course based on the assigned Axis Bank account segment:
| S.No. | Axis Bank Account Segment | Axis Bank Debit Card | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Axis Bank Burgundy Private | Axis Bank Burgundy Private Debit Card | Click here |
| 2 | Axis Bank Burgundy | Axis Bank Burgundy Debit Card | Click here |
| 3 | Axis Bank Priority | Axis Bank Priority Debit Card | Click here |
| 4 | Axis Bank Prestige | Axis Bank Prestige Debit Card | Click here |
| 5 | Axis Bank Liberty | Axis Bank Liberty Debit Card | Click here |
| 6 | Axis Bank Business | Axis Bank Business Supreme Debit Card | Click here |
| 7 | Axis Bank Prime | Mastercard Debit Card | Click here |
| 8 | Axis Bank Basic Savings Bank Deposit Account | Axis Bank Basic Savings Account Debit Card | Click here |
Note: Customers holding the Citi Rewards Debit Card will get the Axis Bank Online Rewards Debit Card
To find out your Axis Bank segment, kindly refer to the communications shared with you earlier or refer to your newly delivered Axis Bank cheque book. You can also call us at the following numbers:
For Axis Bank Burgundy Private:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 210 8888
For Axis Bank Burgundy:
• Before migration day: 1860 210 2484
• On and post migration day: 1800 419 0065
For Other Segments:
• Before migration day: 1860 210 2484
• On and post migration day: 1860 419 555
For NRI Customers
• Before migration day: Click here
• On and post migration day: Click here
What will happen to my accumulated reward points or miles on my old/ existing Citi branded Card?
All your unredeemed reward points, as of migration day, will be migrated and converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own, while ensuring that the monetary value remains the same. The points accumulated till the migration date will remain never expiring. However, points earned post migration will expire after three years. E.g.: Points earned on 10 th August 2024 will expire on 10th August 2027
Points earned post migration will also expire in case you have made no transaction, no reward redemption and have not logged in to your EDGE REWARDS portal in a period of 365 days.
To understand the value of your accumulated reward points post migration, refer to the rewards calculatorhere.
Please note, your reward balances across all banking products will be consolidated and can be viewed on Axis Bank Mobile App or EDGE REWARDS portal.
Please refer to the table below for conversion details:
| S. No. | Citi Product Name | Axis Bank Product Name | Reward Conversion Details |
|---|---|---|---|
| 1 | All Citi Debit Cards | All Axis Bank Debit Cards | 1 Reward Point = 5 EDGE REWARDS |
Note: Even though there may be changes in number of reward points on your card(s) post migration, the monetary value of your reward points will continue to remain the same.
What redemption options will I be able to enjoy on my Axis EDGE REWARD Points after migration?
Rest assured; you can continue to redeem your reward points through your existing redemption options. After migration, you can redeem your Axis EDGE REWARD Points / EDGE Miles through multiple redemption options across various channels, depending on your card type.
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link.
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link.
• In-store (POS) redemption at partner stores/ merchants.
For details on rewards redemption T&Cs, please Click here.
For details on partner miles conversion or Miles Transfer program, please visit.
What will be the name of my Citi Debit Card post migration?
Please refer to the table below to find out the name of your new debit card effective migration day:
| S. No. | Existing product name | New product name effective migration day | Detailed Terms and Conditions |
|---|---|---|---|
| 1 | Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card* | Axis Bank Burgundy Private Debit Card | Click here |
| 2 | Citigold World Debit Card/ Citigold Visa Infinite Debit Card* | Axis Bank Burgundy Debit Card | Click here |
| 3 | Citi Priority/ Citi Priority Visa Signature Debit Card* | Axis Bank Priority Debit Card | Click here |
| 4 | Citi Banking Debit Card | Axis Bank Liberty Debit Card (Indian residents) | Click here |
| Mastercard Debit Card (Non-residents) | Click here | ||
| 5 | Citi Business World Debit Card | Axis Bank Business Supreme Debit Card | Click here |
| 6 | Citi Rewards Debit Card | Axis Bank Online Rewards Debit Card | Click here |
Note: * Also applicable for non-resident (NR) cardholders.
How and when will I get to know my Axis Bank Customer ID?
If you are an existing Axis Bank customer, you have already been assigned a unique Axis Bank Customer ID. Post the migration, your entire Citi relationship will be mapped to your existing Axis Bank Customer ID.
In case you do not have an existing relationship with Axis Bank, your new Axis Bank Customer ID will be communicated via SMS and e-mail using your registered contact details, a few weeks before migration. More details will be shared with you separately.
What are the various customer service channels available to me?
Before migration: Please reach out to Citibank customer service channels at 1860 210 2484 for any assistance. For more information, Click here.
After migration: Please reach out to Axis Bank customer service channels for any assistance you may need. Our teams are equipped to help you with any questions you may have, including those related to your Citi relationships and the migration process.
For more information on Axis Bank’s customer service channels, please refer to the following link: Click here
Post migration, how can I block my debit card in case of any fraudulent activity?
Post migration date, should you wish to block your debit card, please use the Axis Bank service channels as detailed below:
i. SMS BLOCKCARD to 5676782 or +919717000002 from your registered mobile number
ii. Call our Emergency Helpline Number +91-22-67987700 and, our Customer Service Executive will assist you.
iii. Internet Banking:
• Login to your Internet Banking account
• Go to the Debit Cards sectio
• Select ‘Block Card’
iv. Axis Bank Mobile App:
• Login to Axis Bank Mobile App
• Visit Banking section
• Go to Services
• Choose Debit Cards
• Select Block & Replace
What are the channels which will be used to inform me in case of a fraudulent transaction on my card post migration?
As part of the transaction monitoring process, you will now be able to confirm or dispute un-authorized transactions over an automated IVR call or SMS sent to your registered mobile number or registered email-ID.
How will my unresolved service request/disputes be managed post migration?
Rest assured, all your ongoing service request / disputes will be migrated to Axis Bank platforms on migration day.
Post migration, all your existing service requests / complaints / disputed transactions will be managed by Axis Bank. You may contact Axis Bank phone banking (1860 419 5555 & 1860 500 5555) with the complaint ID for resolution.
When is the migration from Citi Bank to Axis Bank expected to occur for all my banking relationships?
As you are aware, Citi India has transferred ownership of its consumer banking business to Axis Bank, effective 1 March 2023. As part of this transition, all Citi banking relationships will be migrated to Axis Bank platforms. The migration of your Citi-branded card will be completed by 15th July 2024. We will keep you informed of any changes to this timeline.
Upon completion of the migration, i.e., 15th July 2024 onwards, you will be able to enjoy the benefits of Axis Bank cards on your existing Citi-branded card (s). Your new Axis Bank cards will be dispatched to you within a few months after the migration and we will share more details with you in due course.
What changes should I expect on my debit card transaction experience post migration?
Please refer to the details below on what changes and what remains the same on your card(s) post migration date1:
| Card features and services | Pre migration day | Post migration day | |
|---|---|---|---|
| Card details | Card PIN | Remains same | |
| Card number, expiry date and CVV | Remains same | ||
| Card controls and limits (Point of Sale, Contactless, E-commerce, ATM and International transactions) | Remains same2 | ||
| Fees & statements | Annual fees | Remains same | |
| Replacement fees | Remains same | ||
| Digital services – Mobile or Internet Banking | Citi Mobile® App /Citibank Online Account /Citibank Online Account | Axis Bank Mobile Banking App, Open/ Axis Bank Internet Banking | |
| Customer Service support | Citi Phone 1860-210-2484 | Axis Phone Banking 1860-419-5555 | |
| Recurring payments / standing instructions | No impact | ||
| Saved card/ token on ecommerce merchants (card-on-file) | No impact | ||
| Transaction alerts (OTP, transaction alerts) | Citi branded | Axis Bank branded | |
| E-commerce payment authentication portal | Citi branded | Axis Bank branded | |
Note:
1. Please note that your Citi-branded Card (s) will be migrated by July 15, 2024, and we will keep you updated in case of any changes.
2. Daily limits for debit cards: Subject
to maximum daily limits set by Axis Bank.
What are the key milestones to look out for with the upcoming migration of my Citi branded Debit Card(s) to Axis Bank?
Please find below the key milestones in your migration journey:
| Key milestone date | Important information to note |
|---|---|
| Before migration day1 | • Continue to use your Citi-branded card (s) seamlessly, along with access to Citibank Online Account and Citibank Mobile® App • Expect limited services interruption on your card services a few days before migration You will be informed of the details in advance. |
| On migration day1 | • Migration of your Citi relationship to Axis Bank Expect limited services interruption, including your access to Citibank Online Account, Citibank Mobile
® App, and cash advance withdrawals. • Avail benefits of the new Axis Bank card (s) on your existing Citi-branded card (s) |
| Post migration day1 | • Migration completed for transfer of your Citi relationship to Axis Bank Download and register on Axis Bank Mobile Banking App, Open to start viewing all your Citi relationship. If you are an existing customer of Axis Bank, login to view your migrated account(s). Continue using your existing Citi Card seamlessly and enjoy the benefits of your new Axis Bank card. • Reward point redemption available, including those rewards previously earned, through Axis Bank EDGE REWARDS portal. |
| H2 2024 | • Your Citi branded Card(s) will be replaced by a new Axis branded Card(s). We will keep you updated in this regard. |
Note:
1. Please note that your Citi-branded Card(s) will be migrated by July 15, 2024, and we will keep you updated in
What will be my maximum daily limits on debit card post migration?
Please refer to the below table to check the maximum daily limits on your Axis Bank Debit Card effective migration date:
| S. No. | Axis Bank Debit Card | Maximum Daily Limits | |
|---|---|---|---|
| E-Commerce/ Point of Sale (POS) | ATM | ||
| 1 | Axis Bank Burgundy Private Debit Card* | Rs. 10 lakhs | Rs. 4 lakhs |
| 2 | Axis Bank Burgundy Debit Card* | Rs. 10 lakhs | Rs. 3 lakhs |
| 3 | Axis Bank Priority Debit Card* | Rs. 8 lakhs | Rs. 1.5 lakh |
| 4 | Axis Bank Prestige Debit Card* | Rs. 5 lakhs | Rs. 1 lakh |
| 5 | Axis Bank Liberty Debit Card | Rs. 4.5 lakhs | Rs. 1 lakh |
| 6 | Axis Bank Business Supreme Debit Card | Rs. 20 lakhs | Rs. 2 lakhs |
| 7 | Mastercard Debit Card* | Rs. 4.5 lakhs | Rs. 1 lakh |
| 8 | Axis Bank Basic Savings Account Debit Card | Rs. 1.5 lakhs | Rs. 1 lakh |
| 9 | Axis Bank Online Rewards Debit Card | Rs. 5 lakhs | Rs. 1 lakh |
* Also applicable for non-resident (NR) cardholders
How do I access my card post the completion of migration? Will I be able to access my card with Citibank Online Account / Citi Mobile® App credentials?
Until the migration takes place, you may continue to use Citibank Online Account and Citi Mobile® App for accessing your card(s). Post-migration, if you are an existing Axis Bank customer, you may continue to use your existing Axis Bank credentials to log in to Axis Bank Mobile App or Internet Banking to access your card(s). If you are not an existing Axis Bank customer, please register for Axis Bank Internet Banking/ Mobile App using existing Citi branded Card credentials. You can download the Axis Bank Mobile App at while the Internet Banking can be accessed.
Will I have to submit any applications or documents for migration to Axis Bank?
No, you do not need to sign or submit any forms or documents for the migration to Axis Bank. On migration day, your existing Citi-branded Cards and Citibank account(s) will be transitioned to Axis Bank card and Axis Bank account(s). We will keep you informed in case there is any action required from your end.
I hold a Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold Private Client Debit Card/ Citigold Private Client Visa Infinite Debit Card holder, you will be offered the Axis Bank Burgundy Private Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Private Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 20 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets
• Enjoy top-notch dining with a 40% discount (up to
Rs 1000) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection up to ₹1 Cr with your debit
card
• Earn 10 EDGE REWARD Points on domestic and 5 EDGE REWARDS on overseas transactions per Rs 100 spent
And many more.
*Terms & Conditions Apply
I hold a Citigold World Debit Card/ Citigold Visa Infinite Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold World Debit Card/ Citigold Visa Infinite Debit Card holder, you will be offered the Axis Bank Burgundy Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 16 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets for the latest entertainment
• Enjoy top-notch dining
with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection
up to ₹1 Cr with your debit card
• Earn 10 EDGE REWARD Points on domestic and 3 EDGE REWARDS on overseas transactions per Rs 100 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Priority Debit Card/ Citi Priority Visa Signature Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Priority Debit Card/ Citi Priority Visa Signature Debit Card holder, you will be offered the Axis Bank Priority Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Priority Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India and 8 global visits/year
• Enjoy up to 2 complimentary Bookmyshow tickets for the latest blockbusters or events/plays
• Enjoy top-notch dining with
a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, complemented by 12 annual golf lessons
• Comprehensive protection
up to ₹1 Cr with your debit card
• Earn 13 EDGE REWARD Points on domestic and 3 EDGE REWARDS on overseas transactions per Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Banking Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Banking Debit Card holder, you will be offered the Axis Bank Liberty Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Liberty Debit Card effective migration day while you may still hold your existing card:
• Enjoy 1 complimentary visits to premium domestic lounges per quarter (limited to salary account holders)
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once per month
• Experience comprehensive protection up to ₹1 Cr with your debit card
• Earn 8 EDGE REWARD Points on domestic transactions and 1 EDGE REWARD Point on overseas transactions for every Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citi Business World Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Business World Debit Card holder, you will be offered the Axis Bank Business Supreme Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Business Supreme Debit Card effective migration day while you may still hold your existing card:
• Earn 10 EDGE REWARD Points on domestic transactions for every Rs 100 spent
• Unlimited complimentary visits to premium lounges in India every year
• Enjoy
latest blockbusters with Buy One Get One Free ticket offer at Inox
• Enjoy fine dining experience with a 25% discount (up to Rs 800) via EazyDiner once per month.
• Experience comprehensive
protection up to ₹1 Cr with your debit card
And many more.
*Terms & Conditions Apply
I hold a Citi Rewards Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Rewards Debit Card holder, you will be offered the Axis Bank Online Rewards Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Axis Bank Online Rewards Debit Card effective migration day while you may still hold your existing card:
• Earn higher EDGE REWARD Points for transactions online or offline:
• 10X on Travel Bookings
• 5X on Electronic Purchases
• 3X on Online Food Delivery
• 2X on Clothing
Stores
• Get rewarded with Grab Deals worth Rs 500 on your card anniversary year.
• Enjoy delightful dining with a 15% discount (up to Rs 500) via EazyDiner twice per month.
• Experience
comprehensive protection up to ₹1 Cr with your debit card.
And many more.
*Terms & Conditions Apply
What will be the associated benefits of the Axis Bank Prestige Debit Card?
Below are the benefits for the Axis Bank Prestige Debit Card:
• Enjoy 1 complimentary visits to premium domestic lounges per quarter (limited to salary account holders)
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once per month
• Enjoy Buy One Get One on Movie Tickets at Inox once a month
• Experience comprehensive protection up to ₹1 Cr with your debit card
• Earn 8 EDGE REWARD Points on domestic transactions and 2 EDGE REWARD Points on overseas transactions for every Rs 200 spent
And many more.
*Terms & Conditions Apply
I hold a Citigold Private Client NR Debit Card/ Citigold Private Client Visa Infinite NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold Private Client NR Debit Card/ Citigold Private Client Visa Infinite NR Debit Card holder, you will be offered the Axis Bank Burgundy Private Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Private Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 20 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets
• Enjoy top-notch dining with a 40% discount (up to
Rs 1000) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection up to ₹1 Cr with your debit
card
• Earn 10
EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions per Rs 100 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citigold World NR Debit Card/ Citigold Visa Infinite NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citigold World NR Debit Card/ Citigold Visa Infinite NR Debit Card holder, you will be offered the Axis Bank Burgundy Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Burgundy Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India (4 guests/ quarter) and 16 global visits/year
• Enjoy up to 10 complimentary Bookmyshow tickets for the latest entertainment
• Enjoy top-notch dining
with a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, plus 12 annual golf lessons
• Comprehensive protection
up to ₹1 Cr with your debit card
• Earn 10 EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions per Rs 100 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citi Priority NR Debit Card/ Citi Priority Visa Signature NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Priority NR Debit Card/ Citi Priority Visa Signature NR Debit Card holder, you will be offered the Axis Bank Priority Debit Card upon completion of the migration. You can start enjoying the following benefits of your Axis Bank Priority Debit Card effective migration day while you may still hold your existing card:
• Unlimited lounge access in India and 8 global visits/year
• Enjoy up to 2 complimentary Bookmyshow tickets for the latest blockbusters or events/plays
• Enjoy top-notch dining with
a 25% discount (up to Rs 800) via EazyDiner once per month
• Access 4 complimentary rounds at premium Indian golf courses, complemented by 12 annual golf lessons
• Comprehensive protection
up to ₹1 Cr with your debit card
• Earn 13 EDGE REWARD Points on domestic transactions and 5 EDGE REWARD on overseas transactions per Rs 200
spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
I hold a Citi Banking NR Debit Card. What will be the associated benefits on the card post-migration?
As a Citi Banking NR Debit Card holder, you will be offered the Mastercard Debit Card upon completion of the migration. You can start enjoying the following benefits of your Mastercard Debit Card effective migration day while you may still hold your existing card:
• Enjoy top-notch dining with a 15% discount (up to Rs 500) via EazyDiner once per month
• Experience comprehensive protection up to ₹1 Cr with your debit card.
• Earn 8 EDGE REWARD Points on domestic transactions for every Rs 200 spent
And many more.
Please note that in case you have not activated your card, it will be activated automatically only for ATM and POS transactions post migration day. In line with RBI regulations, international
transactions are not enabled on NRO Debit Cards.
*Terms & Conditions Apply
Post migration, what are the channels I can use for raising a dispute or reporting a transaction as fraudulent?
On migration day, rest assured, all your ongoing disputes will be migrated to Axis Bank platform.
Post migration, you can use the Axis Bank service channels to raise any new dispute or report a fraudulent transaction:
i. Axis Bank Website:
• Go to the “Support” section which can be accessed here. • Scroll down to the
“Reach us here” menu
• You can choose the below options to raise a dispute or report a fraud:
• Connect via Email
• Connect via ‘Chat with Agent’
ii. Axis Bank Mobile Banking App, Open:
• Select “Support” on the landing page
• Scroll down to the “Reach us here” menu
•
You can choose the below options to raise a dispute or report a fraud:
• Connect via Email
• Connect via ‘Chat with Agent’
iii. Call Phone Banking at 1860-419-5555, 1860-500-5555 or 1800-103-5577 (Toll Free Number)
iv. Visit your nearest Axis Bank branch to raise a dispute or report a fraudulent transaction
Which points will be redeemed first during redemption: migrated Citi points or points earned after migrating to Axis Bank?
After migration, all your migrated Citi points will be treated as if earned in Axis on the migration day. Points earned directly in Axis will retain their original earn dates.
If you are an existing Axis Bank as well as Citibank customer, then points earned in Axis before migration day will be redeemed first, followed by Citi points. Any reward points earned after migration day across all your cards will be redeemed as per their respective earn dates.
If you are only a Citibank customer, with no existing Axis Bank relationship until migration day, then your Citi points will be redeemed first, followed by Axis points which are earned after migration.
Will I be able to view the reward points earned for each transaction?
Yes, for transactions conducted after migration, you will be able to view corresponding rewards points earned against each transaction, on the Axis Bank Mobile app and Axis Bank EDGE REWARDS website.
Additionally, all unredeemed Citi reward points earned as of migration day, will be converted to Axis EDGE REWARD Points or EDGE Miles depending on the product you own and will be available at a cumulative level on Axis Bank mobile app and EDGE REWARDS website.
Please follow the below steps to view your reward points:
• Log in to Axis Bank Internet Banking or Mobile App
• Go to Menu (☰)
• Click on ‘Reward Points’
• Click on ‘Transaction History’
• Visit ‘Earns’ or ‘Redemption’ section to see the points earned and redeemed per transaction.
After migration, can I still redeem my debit card reward points as cash credit to account?
After migration, you will not be able to redeem your debit card reward points as cash credit to your account. Axis Bank offers you a wide range of options for redemption of reward points earned on debit cards, as follows:
• EDGE REWARDS website: Enjoy catalogue and voucher redemption via the following link:
• Travel EDGE website for flight, hotel & experience booking and partner miles conversion. This can be accessed via the following link:
• In-store (POS) redemption at partner stores/ merchants.
For details on rewards redemption T&Cs, please click here :
For details on partner miles conversion or Miles Transfer program, please visit :
Will I be charged any fees while redeeming my reward points?
There will be no redemption fee applied to your debit cards.
Can I continue to avail offers which were applicable on my Citi branded Cards?
Post migration, you will no longer be able to access offers applicable on your Citi branded Cards. You can avail offers across categories that are valid on Axis Bank cards. For the detailed list of offers, please visit our GRAB DEAL page:
I'm awaiting refund/reversal on one of my Debit card purchases. Will that be impacted due to migration?
No, there will be no impact on your refund / reversal due to migration. They will be processed as and when they are received from the merchant. These can be viewed on your Citibank Online Account or Citi Mobile® App before migration and on Axis Bank Mobile App or Internet Banking platform after migration.
Will activation benefits be applicable on Axis Bank Online Rewards Debit Card for migrating customers?
No, activation benefits are only applicable to newly issued debit card and hence will not be applicable migrating customers holding Axis Bank Online Rewards Debit Card.
Will milestone benefits be applicable on Axis Bank Online Rewards Debit Card for migrating customers?
Yes, milestone benefit will be applicable on Axis Bank Online Rewards Debit Card for migrating customers, every card anniversary year. Customers completing transactions of Rs. 1 lakh using their Online Rewards Debit Card annually are eligible for milestone benefit of Grab Deals Voucher worth Rs.500. The card anniversary date for these customers will be new Axis Bank Debit Card issuance date, and these customers will start enjoying this benefit from 2025. For more offer details, click here.
Will the existing standing instructions/ recurring payments set up on my card continue to work after migration?
Yes, any standing instructions/ recurring payments that you currently have in place with merchant/ product/ service providers such as for OTT subscriptions (such as Netflix etc.), Mutual Funds and SIPs, insurance payments, utility bill payments, etc. will continue to work after migration as usual.
After migration, please sign-up on to view and manage standing instructions set up on your card.
Below are the detailed steps to be followed:
• Visit Axis Bank SI Hub portal at :
• Click on Sign-up
• Enter profile details (name, email address) and set up account password
• Verify your details using the verification code and submit
• Upon successful verification, ‘Add Your Card’ screen appears
• Enter your card details and proceed for ACS authentication
• After successful authentication, ‘Login’ to manage your standing instructions through the profile details & password set earlier.
I have my card details saved at online merchants (e.g., Flipkart, Zomato). Do I need to save my card details again?
No, you can continue use your card details saved at online merchants (e.g., Flipkart, Zomato) after migration as usual. Please note that once you receive your new Axis Bank card(s) within a few weeks after migration, you will have to save your card details at the online merchants. More details will be shared with you in due course.
I have a savings account with both Axis Bank & Citi. Will my accounts be merged post migration?
No, your accounts will not be merged. You will be able to view & manage both accounts independently, via various banking channels post migration to Axis Bank.
Will my bank account number remain the same post migration?
Yes, your bank account number would continue to remain the same post migration.
Will the daily limits that I have set-up on my debit card for POS, Online, ATM and Contactless modes remain same as before migration?
Yes, all your transaction limits and daily limits set up on your debit card will remain the same post migration. However, should you wish to reset or view your limits, please follow the process outlined below:
i. Axis Bank Mobile App:
• Login to Axis Bank Mobile App
• Go to Services
• Choose Debit Card Manage Usage
• Select Debit Card
ii. Internet Banking:
• Login to internet banking
• Got to Services
• Select the card under Debit Card section
• Choose manage usage
iii. Phone Banking: Call 1860 419 5555/ 1860 500 5555 and follow instructions
How can I update the address for my card delivery/ communication?
Up to 7 days before the migration day:
Please use Citibank Online Account to update your address for card delivery/ communication:
• Log in to your Citibank Online Account and click on ‘Banking’ tab for debit cards.
• Click on ‘Contact Details’ and then on ‘View/ Edit’ under Contact Details.
• Choose the relationship for which you wish to View/ Edit contact details.
• Enter the OTP sent to your registered number to View/ Edit contact details. Proceed.
• Choose the ‘Edit’ tab to make necessary changes in your Email/ Mobile number/ Mailing address.
• Update the relevant details and click on ‘Save’ to apply the changes.
You can do so by clicking on this link.
Less than 7 days to migration:
You will not be able to update your address for card delivery/ communication.
After migration day:
Please use any of the following Axis Bank service channels to update your address for card delivery/ communication:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Go to the Home page after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Phone Banking: Call 1860 419 5555/ 1860 500 5555 and follow instructions
• Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch :
• Bring along proof of address (original & photocopy) to place a request for an address change.
Note: If you are an existing customer of both Citi and Axis, we request you to update your address details on both platforms for all your banking relationships before migration itself.
I have multiple cards with Axis Bank and Citi. Will any of my cards be closed on migration day?
No, none of your cards will be closed upon migration day. You can continue to use all your Axis and Citi-branded Cards seamlessly post migration and avail their respective benefits and features.
I have enabled Do Not Disturb (DND) on my mobile number and email address. Will the DND services continue post migration?
Yes, your registered Do Not Disturb preferences associated with your phone number and email address will remain in effect post-migration. These preferences will apply to all products held across both Citi and Axis Bank, as long as your contact details are same across both systems.
However, if you have updated your phone number or email address, you will need to re-register for the Do Not Disturb Services using your updated contact information.
If my card gets lost or damaged closer to the migration date, can I still apply for reissue and when will I get the card?
Up to 1 day before migration date
Please use the Citibank Online or Citi Mobile ® App to report a lost/ stolen card:
Citibank Online:
• Log in to Citibank Online Account.
• In the top menu, click on Banking tab (for debit card)
• In the Left-hand side menu, click 'Report Lost/Stolen card' and follow the steps outlined on the screen.
• Choose the card you wish to block, select the reason for blocking (whether lost or stolen) and yes for issuing new card and click ‘Next’
Citi Mobile ® App:
• Log in to Citi Mobile ® App.
• Choose ‘Account Summary’ and select the account/card you want to block.
• Click on ‘Block Card Permanently.
• Select reason for blocking (whether lost or stolen), yes for issuing new card and click ‘Continue.
You can also contact the Citi customer care service at 1800 267 2425 (India toll free) or +91 22 4955 2425 or +91 44 6698 2136 (local dialing) to log a complaint or block your card. Note: When a lost card is blocked, your access to view your account online will also be blocked, until a new card is re-issued.
Post migration
Please contact the Axis Bank customer care service at 1860-419-5555, 1860-500-5555 or axisbank.com/support to report a lost/ damaged card and get assistance in blocking the card and getting a replacement card issued.
Your replacement card will be dispatched to your registered mailing address. You will receive your replacement card within 10 working days of the request.
Please note that you will not be able to reissue your card 1 day before migration date to post migration due to service interruptions.
I have requested for a reissue of my damaged debit card few days before migration. Till when can I continue to use my old card?
Once the debit card is reissued, you will be able to use the old debit card until the end of subsequent month or till the date of migration to Axis Bank platforms, whichever is earlier.
I had swapped my debit card to another Citi branded Card before migration, till when can I continue to use my old debit card?
Once the debit card is swapped, you will be able to use the old debit card until the end of subsequent month or till the date of migration to Axis Bank platforms, whichever is earlier.
Can I apply for a debit add-on card in Axis Bank?
No, Axis Bank does not offer add-on debit cards.
Will my Citi branded add-on Debit Card(s) be migrated to Axis Bank?
Yes, all add-on cards linked to your Citi branded Debit Card(s) would also be migrated to Axis Bank.
What are the benefits available on my add-on debit card?
The benefits of Add-on debit card will be same as primary debit card.
What will happen to the unredeemed reward points earned on my add-on debit card?
All unredeemed reward points on your add-on debit card, as of migration day would be migrated and converted to an equivalent value in Axis EDGE Reward Points and added to the loyalty account of your primary cardholder.
Can an add-on debit cardholder redeem reward points?
No, only the primary cardholder will be able to redeem reward points on behalf of the add-on cardholder.
What will happen to the limit set on the add-on debit card? How can I manage my limits?
Only the primary cardholder will be able to set or modify limit of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
Can an add-on debit cardholder access Axis Internet Banking and Mobile App?
No, add-on debit cardholders will not be able to access Axis Internet Banking and Mobile App. Primary debit cardholders will be able to view and manage Add-on Debit cards through Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
How can I set ATM PIN of my add-on debit card?
Only the primary cardholder will be able to set ATM PIN of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile Banking.
Which add-on card debit card will I get post migration?
Customer will receive the same variant of debit card as the primary cardholder post migration.
Can I upgrade my add-on debit card?
No, upgrade is not allowed for add-on debit cards.
How can I place lost and replacement or block request on my add on debit card?
Only the primary cardholder will be able place lost and replacement or block request of add-on debit card on behalf of the add-on card holder, via Axis Bank Internet or Mobile App or Phone Banking or by visiting nearby branch.
Will the mailing address for my add on card change post migration? How do I update the address for my add on card?
Yes, mailing address for your add on card may change post migration. Post migration, we request you to view and update your address registered for add-on card through the following channels:
i. Axis Bank Mobile App:
• Access the menu after login.
• Navigate to Services & Support.
• Select Services.
• Go to My Profile.
• Choose Update Address/Mobile number/Email ID.
ii. Internet Banking:
• Go to the Home page after login.
• Navigate to Services.
• Select My Profile.
• Choose Update Your Address/Mobile number/Email ID.
iii. Branch:
Visit the nearest Axis Bank Branch. You can use the following link to find the nearest Axis Bank branch: :
Bring along proof of address (original & photocopy) to place a request for an address change.
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- Call us at 1860-419-5555 or 1860-500-5555 (local charges applicable) / 18001035577 (Toll Free)
- Use +91-22-4955-2484 for calling us from outside of India
- Phone Banking teams are available from 9 AM to 9 PM for all your banking needs.
- Chat online at www.axisbank.com/support
- Please write to head customercare@citi.com for any transition related queries or feedback.
Citi India consumer banking customers are now served by Axis Bank.
Citi India has transferred ownership of its consumer banking business to Axis Bank (registration number L65110GJ1993PLC020769) with effect from 1st Mar 2023.
Consumer banking customers can continue to use all existing Citi products and/or services, branches, ATMs, internet banking and Citi Mobile®App as usual. Axis Bank is the provider of Citi branded consumer banking products in India temporarily and Citi India is providing certain services in respect of those products.
The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trademarks and derivations thereof are used temporarily under license by Axis Bank from Citigroup Inc. and related group entities.