International Debit Card®

Citibank Debit Mastercard®

Citibank Debit Mastercard brings you banking convenience locally and globally. From cash withdrawals to your daily purchases and bill payments, all you need is your Citibank Debit Mastercard. What's more, you will experience exclusive lifestyle privileges when you make purchases with your card.

Please click here to view your Citibank Debit Mastercard® Activation and Benefits guide.

Multi-currency Feature

Multi-currency Feature

Access up to 10 different foreign currencies with Citibank Debit Mastercard, for payments and ATM withdrawals overseas at no additional conversion fee+.

+Feature is only applicable to cardholders who link the relevant Citibank Foreign Currency Account(s) to their Citibank Debit Mastercard, and is subject to availability requirements.


Transact Securely Online

Transact Securely Online

Shop online with peace of mind, knowing your online purchases are protected.

Shop Conveniently

Shop Conveniently

Make everyday purchases quickly and safely with just a tap of your contactless-enabled Citibank Debit Mastercard. You can also perform cashless transactions at millions of merchants globally.

Access Cash Anytime

Access Cash Anytime

Enjoy ATM withdrawals globally at more than 2 million ATMs worldwide.

Exclusive Mastercard Privileges

Exclusive Mastercard Privileges

Gain access to exclusive social events, hotels and car rental discounts and a host of lifestyle and shopping benefits.


No Late Fees or Interest Charges

Your Citibank Debit Mastercard is linked to your bank account. Whenever you use the card for payment, funds are directly debited from your account. So you don't have to worry about late fees, bill payments or interest charges.

Card Security Features

Citibank Debit Mastercard offers a comprehensive range of security features for your added security.

  • Activation and deactivation can be done instantly and conveniently at any time of the day via SMS, Citibank Online and Citi Mobile.
  • A missing card can be quickly deactivated, with a replacement card sent almost immediately upon request.
  • The EMV-Dynamic Data Authentication Smart Chip makes the card more secure and protects you from potential identity theft and fraudulent activity.
  • Citi Alerts: Get SMS or email alerts anytime there is a transaction on your card.
    To enroll, login to Citibank Online.
  • Citibank Online and Citi Mobile: Track your account balances and transactions easily.

Important Notes

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) (collectively ,"Debit Card Transactions") which shall be paid for by directly deducting the transaction amount from your primary bank account.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. Please note that the default daily limit for these types of Debit Card Transactions is S$2,000 unless revised by you. For replacement card: if you had previously revised your old Debit Card's daily limit, your new Debit Card daily limit remains the same as your existing daily limit of your old card or the available balance in your primary bank account, whichever is lower. For clarity, this limit is shared between the Debit Card Transactions that you are permitted to effect using your Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Debit Card on Point-of-Sale readers or Electronic Cash Registers may expose it to skimming and/or cloning and hence theft of your sensitive payment card data. To protect your information from being skimmed and/or cloned, it is recommended that the magnetic stripe of your Citibank Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.


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The Citibank Debit Mastercard lets you withdraw cash from ATMs and can be used to make purchases at Mastercard accepting merchant locations. What's more, you get to enjoy Citibank's signature suite of worldwide privileges whenever you use your Citibank Debit Mastercard.

With the Citibank Debit Mastercard, you get to enjoy shopping at millions of Mastercard merchants globally, simply by signing for your purchases at places like restaurants, bars, groceries and daily needs, fashion apparels, pharmacies etc.

You may contact our 24-Hour CitiPhone Banking at +65 6224 5757+65 6224 5757.

These are your card limits at a glance:

Client Segment Daily cash withdrawal limits Daily-Point-of-Sale (POS) limits Monthly POS limits
Citibanking S$3,000 S$2,000 S$10,000
Citigold S$5,000 S$2,000 S$30,000
Citigold Private Client S$8,000 S$2,000 S$30,000

Your ATM withdrawal limit remain the same based on your existing ATM card, if you had previously updated it. You may choose to increase your daily POS limit to the maximum of your monthly POS limit. Your monthly POS limit will remain unchanged.

The cards are in the process of being mailed out to you, and this may take up to 4 weeks. Please only activate your card when you receive the physical card.

Our card replacement exercise is taking place from September to November 2017, and you will be receiving the new card any time during this period. If you would like to have the card earlier, please kindly call your Relationship Manager for assistance.

This may be due to a telco connection problem in your home country, or you may have entered the activation message erroneously. Please try to send the activation message again. For clients who are residing in Singapore, please send to 72484. For clients residing outside of Singapore, please send to +65 9657 2484. Alternatively, please call your Relationship Manager or our 24-Hour CitiPhone Banking: +65 6224 5757+65 6224 5757 for assistance.

Please make a police report and call our 24-Hour CitiPhone Banking Hotline on +65 6224 5757 immediately if your card is stolen.

Important Information

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Debit cards are similar to ATM cards. You can use your debit card with your personal identification number (PIN) to withdraw cash from ATMs. You can use it to purchase goods and services. For purchases made on debit cards, the purchase amount is immediately deducted from your bank account. You can spend only the amount in your account. Make sure your card is safe at all times.

Your debit card carries the Mastercard branding which allows you to perform signature-based Point-Of-Sale (POS) transactions. While this may seem similar to credit cards, do note that when you use credit cards, you are paying on credit. But when you use a debit card, the purchase amount or withdrawal is deducted immediately and directly from your account.

Although the Mastercard that you have received is a chip card it also has the magnetic stripe for overseas use. While chip technology can reduce the risks of cloning, the magnetic stripe portion of the debit card can still be cloned. As debit cards allow customers to sign off on the receipt, there is also a risk of forgery.

Some merchants allow you to make transactions below a certain value without the need to sign off on the transaction receipt. Do ask the merchant for a receipt of the transaction to ensure the correct amount is deducted. If the wrong payment amount is deducted, please contact Citibank immediately.

Your debit card details (such as name, account number, expiry date etc.) may be captured by fraudsters either through skimming or via intercepted online transactions. Fraudsters will then be able to use such information to clone a card or perform fraudulent card-not-present transactions (such as online or mail-order-telephone-order (MOTO) transactions).

However, for online purchases with merchants whose websites are enabled with the 3D Secure Technology, you will be asked to enter a One-Time Password before you can complete the transaction. This helps to protect you against online fraud and is a secure way to authenticate that you are making the purchase as the rightful owner of the debit card being used. Inform Citibank immediately if you have received a One-Time Password (OTP) but you did not make the transaction.

If you lose your debit card, inform Citibank immediately. If your card is stolen, make a police report and inform Citibank immediately.

Once you report the loss, your maximum liability for unauthorised charges prior to reporting the loss to Citibank will be capped at $100. This cap applies provided you have not acted fraudulently, or were not grossly negligent, or did not fail to inform Citibank as soon as reasonably practicable after you became aware that the card was lost or stolen.

  • Never leave your debit card or documents containing its details lying around.
  • Sign the back of your debit card with permanent ink as soon as you receive it.
  • Safeguard your card details. Do not disclose your personal identification number (PIN) for cash withdrawals to anyone. Memorise your PIN and destroy the PIN mailer.
  • Only shop at reputable and legitimate merchants (including online stores). Do not perform online transactions using shared devices such as computers in cybercafes.
  • When you make small value transactions without the need to sign off on the receipt, ask the merchant for a receipt of the transaction to ensure the correct amount is deducted.
  • Check regularly that your cards are with you.
  • Call Citibank immediately if your card or card information is lost or stolen. Note the time and date when you do so.

For a comparison of ATM, Debit and Credit Cards, we urge you to visit MoneySense by clicking here.

Terms & Conditions:Terms & Conditions:

Your use of the Citibank ATM and Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Banking Terms and Conditions. For the Citibank ATM or Citibank Debit Mastercard Terms and Conditions, please visit

Where we allow your Citibank Debit Card to be tagged to a Foreign Currency Account, foreign currency transactions and Cash Withdrawals will be directly authorized from the respective Foreign Currency Account in the foreign currency directly provided that that there are sufficient funds in the relevant foreign currency. In the event if you have performed a Cash Withdrawal and/or Card Transactions in a different currency from the Foreign Currency Account, the transaction will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined and notified to you.

If you choose to make a Card Transaction payment via the Mastercard Network, you will be bound by the relevant rules governing such transactions including but not limited to rules governing chargeback and dispute resolution.

Please note that your privileges, rewards and/or services will differ depending on your choice of debit network.

Your Citibank Debit Card comes with a daily point of sales limit that is set at S$2,000. This limit is shared between signature-based, contactless payments (e.g. Mastercard® Contactless and payments made using digital wallets) and card not present transactions (including mail and phone orders). You may choose to increase/decrease this limit upon activation of your Citibank Debit Card. Notwithstanding the limit that you set, the limit on your Citibank Debit Card will remain subject to your available bank balance.

Where your Citibank Debit Card has Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citibank Debit Card carries risk of unauthorized signature-based, contactless payments (e.g. Mastercard® Contactless and other payments made using digital wallets) or card not present transactions.

Double Swiping is a term used to describe the act of a second swipe of a payment card at a Point-of-Sale terminal after the first swipe to obtain initial authorization from the bank. The second swipe effectively exposes your Citibank Debit Card's magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citibank Debit Card on Point-of-Sale readers or Electronic Cash Registers increases the risk of skimming and/or cloning and hence the theft of your sensitive payment card data.