Rewards CalculatorRest assured, your Rewards are preserved!

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.

Below is the list of customer service channels available to you before and after migration:

• Before migration: Please reach out to Citibank customer service channels at 18602102484 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 well-equipped to help you with any questions you may have, including those related to your Citibank 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, if you wish to block your credit card, please use the Axis Bank service channels as detailed below:

1. SMS ‘BLOCKCARD’ to 56161600 or +918691000002 from your registered mobile number
2. Call our phone banking team at 18001035577 or visit the nearest Axis Bank branch to block your credit card
3. Internet Banking:
   • Log in to Axis Bank Internet Banking
   • Go to ‘Cards’
   • Select ‘Credit Cards’
   • Select the respective Credit Card you want to block
   • Click on ‘Block Credit Card’
4. Axis Bank Mobile App, open:
   • Login to open
   • Click on 'More'
   • Select 'Other Services'
   • Choose 'Block Credit 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 10-08-2024 will expire on 10-08-2027.

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 open or Axis BankEDGE REWARDS portal.

Please refer to the table below for conversion details:

Note: Even though there may be changes in the number of reward points on your card(s) post migration, the monetary value of your reward points will continue to remain the same.

Rest assured, you can continue to redeem your reward points through existing redemption options. After migration, you can redeem your Axis Bank EDGE REWARD Points / 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.
• SMS based redemption.
• In-store (POS) redemption at partner stores / merchants.

For terms and conditions on rewards redemption, please visit:

For details on partner miles conversion or Miles Transfer program, please visit

After migration, all your migrated Citi points will be treated as if earned in Axis Bank on the migration day. Points earned directly in Axis Bank 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 Bank points which are earned after migration.
• If you are an existing Axis Bank as well as Citibank customer, then points earned in Axis Bank before migration day will be redeemed first, followed by Citi points. Any reward points earned after the migration day across all your cards will be redeemed as per their respective earn dates.

Post migration, please make payments towards your credit card outstanding via various payment methods as detailed below:

1. 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 by cheque, credit will be processed to your card account when funds are realised at Axis Bank’s end.

2. 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

3. Pay Online: Click Here

For further details, please refer the following: link

Post migration, you will be able to view your credit card statements for the past 18 months through Axis Bank Mobile Banking App, open or Internet Banking.

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 Citibank interest rates and will be 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, payment bounce fees, and rental surcharge. Please refer to the MITC document for more details.

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.

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 the renewal benefits hassle-free. In case of any change, the same will be communicated in advance.

As a Citi Rewards Credit Card holder, you will be offered the Axis Bank REWARDS Credit Card upon completion of the migration. Your new Axis Bank 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-branded Credit Card:

• Earn 20 EDGE REWARD Points for every INR 125 spent on Apparel & Departmental Stores.
• Earn unlimited 2 EDGE REWARD Points for every INR 125 spent on other categories.
• Earn 1500 EDGE REWARD points on net spends of INR 30,000 every statement cycle.
• Enjoy enhanced redemption options on your card across- Travel bookings via Axis Bank TRAVEL EDGE platform, partner outlets, airline miles, catalogue purchases.
• Now, enjoy complimentary lounge access twice per quarter at select domestic airports.
• Get 30% off, twice a month on Swiggy.

And many more...
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

As an IndianOil Citi Credit Card holder, you will be offered the INDIANOIL AXIS BANK PREMIUM Credit Card upon completion of the migration. Your new Axis Bank 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-branded Credit Card:

• Earn 6 EDGE Miles for every INR 150 spent on fuel transactions at registered IOCL outlets.
• Earn 2 EDGE Miles for every INR 150 spent on groceries.
• Earn 1 EDGE Miles for every INR 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 purchases.
• 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.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 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-branded Credit Card:

• Earn 5 EDGE Miles for every Rs 100 spent on Axis Bank Travel EDGE website & airline websites directly.
• Earn 2 EDGE Miles for every Rs 100 spent on other categories.
• Earn 1500 EDGE Miles every year on your card anniversary.
• Redeem EDGE Miles for bookings using Axis Bank Travel EDGE portal and across catalogue purchases and partner outlets.
• Transfer EDGE Miles to 20+ airlines 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 exclusive offers with the Axis Bank Dining Delights program via EazyDiner.
• Get 1% fuel surcharge waiver on fuel transactions.
• Stay secured with a lost card liability cover of Rs 10 Lakh.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 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-branded Credit Card:

• Earn 20 FIRST CITIZEN Reward Points for every INR 200 spent on private label brands of Shoppers Stop.
• Earn 12 FIRST CITIZEN Reward Points for every INR 200 spent on other categories at Shoppers Stop.
• Earn 2 FIRST CITIZEN Reward Points for every INR 200 spent for other categories.
• Redeem FIRST CITIZEN Reward Points instantly on the Shoppers Stop website and at stores.
• Enjoy complimentary Shoppers Stop Golden Glow membership, access to exclusive sale previews and much more.
• Enjoy exclusive offers with the Axis Bank Dining Delights program via EazyDiner.
• Get 1% fuel surcharge waiver on fuel transactions.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 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-branded Credit Card:

• Enjoy up to 7% cashback on online spends, based on terms & conditions.
• Earn unlimited 0.75% cashback on travel and offline spends.
• Get 0.5% cashback up to INR 100, every month on your utility bills.
• Enjoy exclusive offers with the Axis Bank Dining Delights program via EazyDiner.
• Cashback earned during current billing cycle will be auto-credited in the next billing cycle.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 Citi-branded Credit Card:

• Earn 3 EDGE REWARD Points for every INR 100 spent at IKEA.
• Earn 2 EDGE REWARD Points for every INR 100 spent on dining.
• Earn 1 EDGE REWARD Point for every INR 100 spent on other eligible categories.
• Redeem EDGE REWARD Points at IKEA stores instantly via SMS.
• Enjoy exclusive offers with the Axis Bank Dining Delights program via EazyDiner.
• Avail an exclusive interest rate of 13% p.a. on EMI conversions on your purchases at IKEA stores.
• Get 1% fuel surcharge waiver on fuel transactions.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

As a CitiBusiness Credit Card holder, you will be offered the Axis Bank REWARDS Credit Card upon completion of the migration. Your new Axis Bank 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-branded Credit Card:

• Earn 20 EDGE REWARD Points for every INR 125 spent on Apparel & Departmental Stores.
• Earn Unlimited 2 EDGE REWARD Points for every INR 125 spent on other categories.
• Earn 1,500 bonus EDGE REWARD Points on net spends of INR 30,000 every statement cycle.
• Enjoy enhanced redemption options on your card across- Travel bookings via Axis Bank TRAVEL EDGE platform, partner outlets, airline miles, catalogue purchases.
• Now, enjoy complimentary lounge access twice per quarter at select domestic airports.
• Get a 30% twice a month on Swiggy.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

As an IndianOil CitiBusiness Credit Card holder, you will be offered the INDIANOIL BANK AXIS PREMIUM Credit Card upon completion of the migration. Your new Axis Bank 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-branded Credit Card:

• Earn 6 EDGE Miles for every INR 150 spent on fuel transactions at registered IOCL outlets.
• Earn 2 EDGE Miles for every INR 150 spent on groceries.
• Earn 1 EDGE Miles for every INR 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, and catalogue purchases.
• 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.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 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-branded Credit Card:

1. Earn and Redeem EDGE Miles:
   • Earn 2 EDGE Miles on every INR 100 spent on international transactions.
   • Earn 1 EDGE Mile on every INR 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.
   • Convert EDGE Miles to 20+ airline and hotel loyalty programs (1 EDGE Mile = 4 partner points).
2. Exclusive benefits & features:
   • On renewal of your membership annually, get 2500 EDGE Miles along with complimentary gift vouchers worth INR 10,000 from ITC or Taj Hotels.
   • Every year upon renewal, receive a complimentary Taj Epicure membership offering exclusive privileges at select Taj Hotels.
   • Enjoy a complimentary night on booking a 2-night stay at select hotels and resorts, twice a year.
   • Now, enjoy a reduced forex mark-up of 1.8% on your international spends.
   • Enjoy unlimited complimentary access to domestic and international airport lounges for primary and Add on card members. Enjoy annually up to 20 complimentary lounge visits for accompanying guests.
   • Enhance your travel experience with 8 domestic airport meet-and-greet services and 2 domestic airport transfers per year.
   • Enjoy 8 complimentary golf rounds / lessons annually at premier golf clubs for primary cardholder and 1 guest across leading clubs in India. Get 1 additional golf round / lesson for every INR 50,000 spent in a membership year.
   • Experience 24x7 concierge services designed to meet your every requirement.
   • Enjoy complimentary ticket on every ticket purchased for 2 movie and 2 non-movie shows, per month, on BookMyShow.

And many more.
For more details and product-related terms and conditions, Click here
*Terms and Condition Apply

Post migration, you will enjoy a single aggregate credit limit across all your Citi-branded and Axis Bank Credit Card(s) you hold currently. This limit will be the sum of the limits on your open Citi-branded Credit Card(s) 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 Card(s) and 1 / multiple Axis Bank Credit Card(s) with the following credit limits, your aggregate credit limit after migration will be as follows:

Please note: Aggregate credit limit after migration to Axis Bank =

= Sum of Citibank’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-branded Credit Card(s) limits. This aggregate limit will also be available for use on each of the Citi-branded Credit Card(s) you hold post migration.

For example, before migration, if you hold 2 Citi-branded Credit Card(s) with the following credit limits, your aggregate credit limit after migration will be as follows:

Please note: Credit limit after migration to Axis Bank =

= Sum of Citibank’s product-wise credit limits

= INR 1 Lakhs + INR 2 Lakhs

= INR 3 Lakhs

After migration, you will enjoy a single aggregate credit limit across all your Citi-branded Credit Card(s) and Axis Bank Credit Card(s). This limit will be the sum of the existing limits on Citi-branded Card(s) and the Axis Bank aggregate credit limit (if any) you enjoy currently.

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:

1. Axis Bank Mobile Banking App, open:
   • Log in to open
   • Go to 'Services'
   • Choose 'Credit Card Manage Usage'
   • Select 'Credit Card'
2. Internet Banking:
   • Login to internet banking
   • Go to ‘Services’
   • Select the card under ‘Credit Card’ section
   • Choose manage usage
3. Phone Banking: Call 18604195555 / 18605005555 / 18001035577 and follow instructions

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
• 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:

1. Axis Bank Mobile Banking App, open:
   • Access the menu after logging in
   • Navigate to ‘Services & Support’
   • Select ‘Services’
   • Go to ‘My Profile’
   • Choose ‘Update Address / Mobile number / Email ID’
2. Internet Banking:
   • Go to the ‘Home Page’ after logging in
   • Navigate to ‘Services’
   • Select ‘My Profile’
   • Choose ‘Update Your Address / Mobile number / Email ID’
3. 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 Citibank and Axis Bank, we request you to update your address details on both platforms for all your banking relationships before migration itself.

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.

No, none of your cards will be closed upon migration day. You can continue to use all your Axis Bank and Citi-branded Card(s) 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.

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 Citibank and Axis Bank, if 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.

• For customers currently availing OCL facility:
  If you are currently availing Over Limit facility prior to migration, your consent will be transferred to Axis Bank and no new consent will be needed. The same will be reflected in the Axis Bank Mobile Banking App, open / Internet Banking.
  Post migration, you will be able to use any additional OCL facility in Axis Bank, as and when you are eligible for it, based on terms & conditions.

• For customers who are not availing OCL facility currently:

  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 Banking App, open or Internet Banking by following the below steps:

  1. Through Axis Bank Mobile Banking App, open:
     • Log in 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’
  2. 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’

Up to 1 day before migration date

For all Lost / stolen / Replacement cases before migration day, you will get a new Citi-branded replacement card.

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 18002672425 (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

For all Lost / stolen / Replacement cases after migration day, the go- to Axis replacement Credit Card will be dispatched to your mailing address.

Please contact the Axis Bank customer care service at 18604195555, 18605005555, 18001035577 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.

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.

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.

Yes, all Add on cards linked to your Citi-branded Credit Card(s) would also be migrated to Axis Bank.

Yes, Add on credit card holders can log into Axis Bank Internet Banking or Mobile Banking App, open 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 Banking App, open 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 Banking App, open using existing Citi branded Card credentials. You can download the Axis Bank Mobile Banking App, open at here and the Internet Banking can be accessed at here.

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 Banking App, open.

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:

1. Axis Bank Mobile Banking App, open:
   • Access the menu after logging in
   • Navigate to ‘Services & Support’
   • Select ‘Services’
   • Go to ‘My Profile’
   • Choose ‘Update Address / Mobile number / Email ID’
2. Internet Banking:
   • Go to the ‘Home’ page after logging in
   • Navigate to ‘Services’
   • Select ‘My Profile’
   • Choose ‘Update Your Address / Mobile number / Email ID’
3. 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.

Axis Bank reports spends and balances on primary and Add on cards to CICs against the primary cardholder only. There is no reporting done against the add on cardholder.

As a Good Health Policy holder, your policy will continue as-is after migration, without any impact on the product offerings.

Yes, the premium payment process for renewal will change after the migration. Following are the steps which will be followed for the policy held by you:

• Axis Bank will reach out to you to confirm your insurance details such as insurer name, premium, sum insured and nominee.
• These details will be confirmed on a recorded call.
• Your call will then be forwarded to IVR for OTP authentication.
• Within 24 hours of IVR authentication, you will receive a payment link from NIA.
• Your policy documents will be emailed to you 2-3 days after payment.

Note: In case your policy is due for renewal in July or August 2024, then the payment link will be shared by NIA ~7 days prior to policy anniversary date on your registered email ID and phone number. We will keep you updated in case of any changes.

No, there will be no impact on the claims process after migration. We will keep you updated in case of any changes.

There is no change in the process of modifying contact details and adding / deleting members after the migration. Below are the two ways which can be followed:

• Send a request to nia.712500@newindia.co.in
• Request change during OTP verification done by our phone banking team at the time of policy anniversary

Yes, you can continue to make repayments to the same 16-digit virtual card number, as per existing terms & conditions.

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.

Below is the list of customer service channels available to you before and after migration:

• 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 well-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, if you wish to block your debit card, please use the Axis Bank service channels as detailed below:

1. SMS ‘BLOCKCARD’ to 56161600 or +918691000002 from your registered mobile number
2. Call our Emergency Helpline Number +91-22-67987700 and, our Customer Service Executive will assist you.
3. Internet Banking:
   • Log in to your Internet Banking account
   • Go to the ‘Debit Cards’ section
   • Select ‘Block Card’
4. Axis Bank Mobile App, open:
   • Login to open
   • Visit ‘Banking’ section
   • Go to ‘Services’
   • Choose ‘Debit Cards’
   • Select ‘Block & Replace’

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:

1. 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'
2. 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'
3. Call Phone Banking at 18604195555, 18605005555 or 18001035577 (Toll-free Number)
4. Visit your nearest Axis Bank branch to raise a dispute or report a fraudulent transaction

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.

Rest assured, all your ongoing service requests / 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 & 18001035577) with the complaint ID for resolution.

All your unredeemed reward points, as of migration day, will be migrated and converted to Axis EDGE REWARD Points, 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 10-08-2024 will expire on 10-08-2027.

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.

All your reward points earned on Citi-branded Debit Cards will be converted in the ratio of 1:5 in Axis Bank, i.e., 1 Reward Point = 5 EDGE REWARD points.

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 Banking App, open or Axis Bank  EDGE REWARDS portal. 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.

Rest assured, you can continue to redeem your reward points through existing redemption options. After migration, you can redeem your Axis Bank 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 terms and conditions on rewards redemption, please visit:

For details on partner miles conversion or Miles Transfer program, please visit

After migration, all your migrated Citi points will be treated as if earned in Axis Bank on the migration day. Points earned directly in Axis Bank 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 Bank points which are earned after migration.
• If you are an existing Axis Bank as well as Citibank customer, then points earned in Axis Bank 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.

Yes, for transactions conducted after migration, you will be able to view corresponding rewards points earned against each transaction, on the Axis Bank Mobile Banking App, open and Axis Bank EDGE REWARDS website.

Additionally, all unredeemed Citi reward points earned as of migration day, will be converted to Axis Bank EDGE REWARD Points or EDGE Miles depending on the product you own and will be available at a cumulative level on Axis Bank Mobile Banking App, open and EDGE REWARDS website.

Please follow the below steps to view your reward points:

• Log in to Axis Bank Internet Banking or Mobile Banking App, open
• 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, 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 followinglink.
• 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 terms and conditions on rewards redemption, please visit:

For details on partner miles conversion or Miles Transfer program, please visit

There will be no redemption fee applied to your debit card(s).

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 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

No, you can continue to use your card details saved at online merchants (e.g., Flipkart, Zomato) post-migration as usual.

Please note that once you receive your new Axis Bank card(s) within a few months after migration, you will have to save your new card details at the online merchants. More details will be shared with you in due course.

To access the detailed list of charges applicable on your Axis Bank Debit Card, click here

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 Citi-branded card:

• Unlimited lounge access in India (4 guests / quarter) and 20 global visits /year
• Enjoy up to 10 complimentary Bookmyshow tickets
• Savour the best dining experience via EazyDiner
• 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 REWARD Points on international transactions per INR 100 spent

And many more.
For more details and product-related terms and conditions, Click Here
*Terms & Conditions Apply

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 Citi-branded 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
• Savour the best dining experience via EazyDiner
• 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 REWARD Points on international transactions per INR 100 spent

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 Citi-branded 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
• Savour the best dining experience via EazyDiner
• 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 3 EDGE REWARD Points on international transactions for every INR 200 spent

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 Citi-branded card:

• Enjoy 1 complimentary visits to premium domestic lounges per quarter (limited to salary account holders)
• Savour the best dining experience via EazyDiner
• 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 international transactions for every INR 200 spent

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 Citi-branded card:

• Earn 10 EDGE REWARD Points on domestic transactions for every INR 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
• Savour the best dining experience via EazyDiner
• Experience comprehensive protection up to INR 1 Cr with your debit card

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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 Bank ONLINE REWARDS Debit Card effective migration day while you may still hold your existing Citi-branded 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 INR 500 on your card anniversary year.
• Savour the best dining experience via EazyDiner.
• Experience comprehensive protection up to ₹1 Cr with your debit card.

And many more.
For more details and product-related terms and conditions, Click Here
*Terms and Condition Apply

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.

Yes, your bank account number would continue to remain the same post 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:

1. Axis Bank Mobile Banking App, open:
   • Log in to open
   • Go to 'Services'
   • Choose 'Debit Card Manage Usage'
   • Select 'Debit Card'
2. Internet Banking:
   • Log in to internet banking
   • Got to ‘Services’
   • Select the card under ‘Debit Card’ section
   • Choose manage usage
3. Phone Banking: Call 1860 419 5555 / 1860 500 5555 / 1800 103 5577 and follow instructions

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
• 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:

1. Axis Bank Mobile Banking App, open:
   • Access the menu after logging in
   • Navigate to ‘Services & Support’
   • Select ‘Services’
   • Go to ‘My Profile’
   • Choose ‘Update Address / Mobile number / Email ID’
2. Internet Banking:
   • Go to the ‘Home Page’ after logging in
   • Navigate to ‘Services’
   • Select ‘My Profile’
   • Choose ‘Update Your Address / Mobile number / Email ID’
3. 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 Citibank and Axis Bank, we request you to update your address details on both platforms for all your banking relationships before migration itself.

No, none of your cards will be closed upon migration day. You can continue to use all your Axis Bank and Citi-branded Cards seamlessly post migration and avail their respective benefits and features. In case there are any changes to your existing bank relationships, we will inform you of any changes in advance.

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 Citibank and Axis Bank, if 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.