We're here to assist you in finding the information you need about Citibank Credit Cards. You can choose one of the options below or, for general enquiries, you can Call Citiphone at (84 8) 3521 1111 or (84) 1900 1819. Click on to expand and on to minimise the details. Just received your new Citibank credit card? Here's how to get started. Activate your Citibank credit card Once you receive your new Citi credit card, you'll need to call CitiPhone on (84 8) 3521 1111 or (84) 1900 1819 to activate your Card. Register for Online Banking Citibank Online is a simple and secure way to track your balances and transactions, pay your bills or redeem your points. Go Green - Register for e-Statements Go green and register to receive your monthly statement electronically, with an email notification. Find out more about e-Statements here. Register for Special Offer Announcements To be updated with exciting new offers and benefits by Email and SMS, simply update your preferences under 'Edit Profile'. Sign on to Citibank Online here. Contact In Case of Emergency In an emergency, call Citiphone at (84 8) 3521 1111 or (84) 1900 1819. Please ask the operator to Reverse Charge the call. Learn more about contacting us here. Using your new card responsibly Credit can be very useful: letting us buy the things we want in life sooner, helping us to manage our cash flow, and it can be especially useful in emergencies. However, credit is also a big responsibility; it should be used wisely. Using credit to spend beyond your means can lead to unmanageable debt and serious financial trouble. The more you know about credit-how it works and how to use it effectively-the easier it is to use this powerful tool wisely. Learn more about Using Credit Wisely here. Learn more about what Citibank has to offer By combining local expertise with the strength of Citibank's worldwide consumer banking network, Citibank also offers a leading range of financial services products, including transaction and savings accounts, foreign currency deposits, investments, mortgages and insurance. Learn more about the products and services Citibank offers here. View Credit Card Terms & Conditions Click on to expand and on to minimise the details. Your Citibank credit card is easy to manage with our simple service options. Here's some useful information that you may need. Your Card's Features & Benefits Make sure you're getting the best out of your credit card features and benefits. View the full details of your credit card here Service Options You can manage your account with two easy options - available at anytime, 24 hours a day, 7 days a week. Citibank Online Access and manage your accounts at any time that suits you with Citibank Online. Learn more about Citibank Online here. CitiPhone Telephone Banking You can also manage your accounts using CitiPhone Telephone Banking, available 24 hours a day, 7 days a week. Learn more about CitiPhone services here. My Statements Registering for e-Statements Go green and register for e-statements today. Learn more about the benefits of e-Statements here. Payments and Minimum Due Making payments Funds Transfer You can make a funds transfer from a linked Citi account (not credit card) through Citibank Online or CitiPhone Self Service Banking. To transfer funds from an existing Citi account, sign on to Citibank Online or Call Citiphone at (84 8) 3521 1111 or (84) 1900 1819 to use CitiPhone Banking, then follow the prompts. Minimum Payments 3% of the current balance plus interest charges (including interest, service charges for any recurring/ instalment payments), plus fees and service charges (including late payment, cash advance fees, over limit fees and other such fees), plus any Instalment amount due; Or VND 50,000 Whichever is higher of a or b plus any amount over the Credit Limit or Combined Credit Limit. Cash Withdrawals You can make withdrawals from your Citi Credit Card account via: ATM/ EFTPOS - With your Citi credit card and your ATM PIN, you can withdraw cash at any ATM that displays the VISA or MASTERCARD symbol. Standard cash advance fees and charges may apply. When overseas, you can also access cash from any ATM that displays the Plus, Star or NYCE symbols. For transactions overseas, currency conversion fees may apply. Over the counter - You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citi Credit Card and ATM PIN will be required. Fees and charges may apply. Other banks - You can withdraw cash from your credit card over the counter at any bank displaying the Visa or MasterCard symbol. Simply present your card and some photographic ID. Standard cash advance fees apply (please see our fees page). Disputing a Transaction You should check your statement against your personal records, as soon as possible to ensure that you recognise all transactions. If you don't recognise a transaction, Call Citiphone at (84 8) 3521 1111 or (84) 1900 1819. Alternatively, you may wish to contact the merchant directly and to try and resolved the dispute yourself. View further information on disputing a transaction. Please also be aware, if you have a recurring bill payment being debited from your account that you wish to cancel, we also suggest that you contact the biller or merchant responsible for debiting the amount in order to cancel the request. My Personal Details You are able to make changes to your account, such as applying for additional accounts, upgrading your existing credit card or updating your contact details and preferences. Sign on to Citibank Online to make changes to your account here. View Credit Card Terms & Condition Click on to expand and on to minimise the details. For more information on the fees and charges involved with any Citi Credit Card, click here to view the Citibank PremierMilesCard Fees and Charges To find out how interest is calculated and charged, download Your guide to understanding interest on your Citi Credit Card (Adobe PDF, 77kb). When are the annual fees and additional fees charged? Citi will charge your annual cardholder fee to your account on first use of your account, including when you activate your card, and then on each anniversary of the date Citi approved your account. If you have additional cardholders on your account, your annual additional cardholder fee will be charged to your account when the additional card is issued, pro rata up to the next anniversary of the date on which your account was approved and then payable with the annual fee. How does the interest-free period work? You enjoy up to 55 days interest-free on all purchases, providing you repay the balance of your card in full each month, on or before the due date. Interest-free periods are not applicable for any cash withdrawals, balance transfers or bank cheques. These transactions incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). Interest is charged on retail purchases if the statement's full closing balance is not repaid by the due date. For more information, download Your guide to understanding interest on your Citi Credit Card (Adobe PDF, 77kb). Click on to expand and on to minimise the details. Do I get Premier Miles on everything I spend? Yes. You get PremierMiles on every spend retail or cash, domestic spend or overseas spend, other purchases such as insurance or installment or even annual / joining fees paid. You do not earn miles on interest charges and other fees. How much Premier Miles do I earn for a certain spending? You earn 1 PremierMiles for every VND 20000 spent on the card. What do I do with PremierMiles? You keep accumulating PremierMiles every month based on your spend. Your Premier Miles can be used to convert other frequent flyer program miles such as krisflyer Miles, Royal Orchid Plus Miles, Sky Team Miles and Asia Miles. What is a frequent flyer program? Frequent flyer program is a loyalty program that big airlines have to reward them for being their customers. Singapore airlines have launched a loyalty program for its customers with Krisflyer Miles. These miles can get free flights for customers. Can I convert to any Frequent Flyer Program? Currently Citibank allows customers to convert their miles to 4 of the big FFP. They are Krisflyer Miles of Singapore Air, Sky team of Delta, Asia Miles or Cathay Pacific and Royal Orchid for Thai Airways. These frequent flyer programs have a total of over 50 airlines. What do I do once I convert to a Frequent Flyer Program? Once you convert your PremierMiles to frequent flyer program, you then are bound by the FFP miles program. These FFP miles can then be used to buy free tickets in the member airlines. How many airlines does this "PremierMiles" allow me to get free tickets? Currently we have over 50 airlines that you can convert to. What if I don’t have any FFP memberships? It is very easy to get a FFP membership online. Simply visit www.asiamiles.com, www.thaiairways.com, www.singaporeair.com, www.skyteam.com. I don’t want to convert to any of the FFP. Can I convert my PremierMiles to Cash instead? Yes, if you have made travel purchases or a hotel stay, you can go ahead make that purchase first using a Citibank PremierMiles card and then call CitiPhone to redeem your PremierMiles to credit your account. We call it "Travel First and Redeem Later". Can I use my PremierMiles for getting cash? No. You can only convert your PremierMiles to hotel stays and airlines spends (used for travel related spends). What should I do if I need to redeem my PremierMiles? You call CitiPhone at (84 8) 3521 1111 or (84) 1900 1819 and ask to convert your PremierMiles to any of the 4 FFP Miles depending on the airline you want to book your ticket. You can also simply convert your PremierMiles and keep accumulating them in your FFP mile program. Is there any additional spend bonus PremierMiles? Yes, Ciitbank PremierMiles allows you to get 5000 bonus PremierMiles when you spend 500 million VND during the year (preceding 12 months at the time of annual fee payment). There is also a bonus PremierMiles of 1000 when you renew your card. Click on to expand and on to minimise the details. Protect Your Card How do I replace a lost or stolen card ? If your credit card is lost or stolen please call Citiphone at (84 8) 3521 1111 or (84) 1900 1819 - 24 hours a day, 7 days a week. One of our Customer Service Officers will immediately block your old card and re-issue you with a new card. Allow up to 5 working days for the new card to arrive in the mail. In addition to blocking your card, the Customer Service Officer will enquire about all recent activity on your account. This lets us fully investigate any unrecognised transactions made with your Credit Card. Further information about liability for card transactions is contained in your account terms and conditions. What is my complimentary card security? Complimentary Personal Air Travel Accident Insurance of up to VND 20 Billion! No forms to fill No medical checks VND 20 Billion in the unlikely event of death or permanent disability in an accident Travel Inconvenience Coverage Luggage Loss over 48 hours: VND 20 MM Luggage Delayed over 8 hours: VND 10 MM Flight delayed over 8 hours: VND 10 MM What are the phone numbers in case of an emergency? In an emergency, call Citiphone at (84 8) 3521 1111 or (84) 1900 1819. Secure Chip Technology and Chip Credit Cards What is Secure Chip Technology? Secure chip technology is fast becoming the global standard for Credit Card security. The new technology uses a microchip embedded in your Credit Card to store your card's data, providing far greater security against card fraud than a magnetic strip. What is a 'chip' Credit Card? A chip Credit Card features an embedded microchip, which is used to securely store your card's data. The chip is far more secure than a magnetic stripe, making it much harder to fraudulently copy the details of your card. What sort of data is stored on the chip? The chip on your Credit Card will store the same details that would normally be contained on a magnetic stripe including your name, card number and card expiry date. How do I get a chip Credit Card? All new Citi Credit Cardholders will automatically be issued with a chip Credit Card. How do I use my new chip Credit Card? The process will be as follows: The merchant will insert your chip Credit Card into the EFTPOS terminal Your card will remain in the terminal throughout the entire transaction You can then choose to sign the receipt or enter your PIN for verification Once the transaction is complete, the merchant will return your card Can I continue to use my chip Credit Card by just swiping the magnetic stripe? Yes. Can I use my chip Credit Card at the ATM? Yes. There is no change to the way you use an ATM. Simply continue your ATM banking requirements as usual. Do other countries have Chip Credit Cards? Yes, secure chip technology and chip Credit Cards are fast becoming the global standard in the effort to minimise card fraud. Chip cards are prevalent in both Europe and Asia. Interest Rates Fees and charges Branch and ATM