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Citi Gold Debit card

Citi Gold Debit card Details

Last Updated 18th Jan 2021

  • Citi Gold Debit card can be used both offline and online.
  • Citibank charges a fee of ₹ 0 as card issuance fee for issuing the Citi Gold Debit card signature card.
  • The card can be attained via net banking, written request to the bank or by contacting the bank’s customer care.
  • Citi Gold Debit card signature card offers a cash withdrawal limit of Nil.
  • In addition to that, the card can be used for making purchases up to Nil.
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Citi Gold Debit card Overview

Citi Gold Debit card is a Mastercard card and is amongst the various customer-oriented and beneficial debit cards offered by Citibank. The card can be attained from the bank through both offline and online mediums such as net banking, written application or by contacting the bank’s customer care. It can be used to withdraw cash, for balance enquires, to deposit funds and for making online and offline payments.

Features
  • The card offers global benefits with exclusive travel, hotel and spa benefits and privileges at selected global locations
  • The card provides access to select domestic and international airport lounges in India

How does Citi Gold Debit card Works?

Citi Gold Debit card can be used both offline and online for a different purpose. For offline payments, the card can be used through a card machine. The debit card works offline as and when the merchant inputs the transaction amount on the card machine. After this, the card user is required to enter the debit card PIN to complete the transaction. As the PIN is entered, a request is made to the bank as per which the required amount is deducted from the account linked to the debit card.

In addition to that, Citi Gold Debit card also works online. This requires one to enter details like the 16 digit the card number, expiry date, and the three-digit CVV number-mentioned don the reverse of the card. As and when the details are entered, an OTP is sent to the registered mobile number of the debit card user. The OTP needs to be entered for completion of the transaction after which the amount is deducted from the linked current or savings account.

Features of Citi Gold Debit card in India

Citi Gold Debit card functions similar to all debit cards such as for cash withdrawal and online and offline purchases amongst others. However, the card features vary from each other on the basis of various parameters. Citi Gold Debit card features are listed in the table below:

Maximum Cash withdrawal Nil
Maximum Purchase limit Nil
Annual maintenance charge Nil
Card replacement charge Nil
Issuance Charge Nil

Citi Gold Debit card Benefits

Some of the benefits offered by Citi Gold Debit card signature card as listed as follows:

  • Citi Gold Debit card can be obtained easily, as it involves minimum eligibility and documentation.
  • Citi Gold Debit card signature card can be used to withdraw cash.
  • Citi Gold Debit card offers the security of funds even when the card is stolen. This is because the card can be blocked immediately, and thus debit cards are safer for funds than physical cash.
  • Another benefit offered by Citi Gold Debit card is that the card can be used across all points of sales whether offline or online and allows hassle-free transactions.
  • Also, debit cards are way more beneficial than a credit card in terms of debt management. While a credit card allows one to make purchases more than one’s account ability, a debit card allows purchasing as per the availability of funds.
  • Apart from the best utilization of one’s funds, Citi Gold Debit card provides the additional benefit of rewards such as cashback offers and reward points.

Citi Gold Debit card Eligibility

To avail a Citi Gold Debit card, one needs to meet the below-mentioned eligibility criteria:

  • The minimum age requirement to attain Citi Gold Debit card is 18 years.
  • Parents and guardians can attain a debit card on behalf of the minors.
  • One needs to have Government approved identity and address proofs such as Aadhar card, PAN card, passport, driving license or Voter ID card.
  • One needs to have a savings or current account with a bank to attain a debit card

FAQs

What is the limit of Citi Gold Debit card ?

The maximum limit offered by Citi Gold Debit card is Nil for withdrawals and is ₹ 1.50 Lakh for making purchases at Point of sales.

What are the annual maintenance charges on Citi Gold Debit card ?

The annual maintenance charges on Citi Gold Debit card are 0.

Which is the best debit card of Citibank?

Citibank offers different cards that are tailor-made to suit the needs of different debit card users. For instance, Debit Card for Non Resident External Rupee Checking Account, Debit Card for Non Resident Ordinary Rupee Checking Account, Prefereed Debit card, Citi Gold Debit card, Citi Priority World Debit Card offers the highest withdrawal limit of Nil, while Citi Gold Debit card, Citi Priority World Debit Card offers the highest purchase limit of ₹ 1.50 Lakh. In addition to that, Debit Card for Non Resident External Rupee Checking Account, Debit Card for Non Resident Ordinary Rupee Checking Account, Prefereed Debit card, Citi Gold Debit card, Citi Priority World Debit Card is the best card at the lowest annual fee of Nil. Thus, based on one’s requirement, one can choose the best card amongst a number of them offered by Citibank.

Can Citi Gold Debit card be used internationally?

Yes, you can use Citi Gold Debit cardinternationally for making payments or buying products.


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Citibank News - Jan 2021
  • 2019-01-07 : Paytm joins hand with Citibank for cashback offer on flight ticket bookings
    One of the leading mobile wallet companies ,Paytm has come up with a cashback offer of up to Rs. 1,500 on domestic flight ticket bookings in association with Citibank. The offer is exclusively available for Citibank credit and debit cardholders. Under this offer, a customer will get up to 20% cashback of up to Rs. 1,500 on a minimum ticket value of Rs. 5,000. Users can avail the cashback offer by applying promo code, FLYCITI while booking domestic flights ticket.
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