Citi ATM/Debit Mastercard Reviews

     Citibank Debit Mastercard brings you local and global banking convenience and lucrative deals on debit card. With this card, you can withdraw cash at over 360 ATMs locally and over 2 million ATMs worldwide. This debit card makes your daily purchases convenient through contactless payments via Citi Pay or Samsung Pay. You don’t have to worry about late fees or interest charges since the amount is directly debited from your account.


    • You can choose from 9 different foreign currencies when you make a purchase using this card.
    • You will not incur any additional conversion fee charge when you make payments overseas or withdraw cash from an ATM abroad.
    • This debit card comes with a contactless payment feature for your daily purchases.
    • If you add your Citibank Debit Mastercard to Citi Pay or Samsung Pay, you can make payments faster and in a more secure way, with just a tap on your smartphone.
    • You can pay for your bus and train tickets with this Mastercard contactless card through the ‘tap and ride’ feature. You need to create a TransitLink ABT account to enjoy this benefit.
    • If you register your debit card for EZ-Pay, you can enjoy hassle-free rides without any top-ups.


    • Through Citibank Gourmet Pleasures, you can enjoy indulging in culinary delights at top restaurants in Singapore.
    • With Citi World Privileges, you get exclusive deals and best offers at over 40,000 establishments.
    • You can enjoy attractive deals and lucrative discounts at over 40 destinations through Mastercard Priceless Cities.
    • Get a discount of 4% on fuel purchase at participating Esso petrol stations.


    • Far East Hospitality Hotels – You can enjoy a discount of 15% on selected room categories at this hotel in Singapore. The promotion ends on 31 March 2018.
    • JetQuay Quayside and The Haven Privileges – You can get attractive discounts on various JetQuay services. Also, enjoy 1 + 1 offer on all lounge services (excluding nap rooms) at The Haven. The offer ends on 31 October 2018.
    • Cathay Cineplexes – You can enjoy exclusive offers on movie screenings throughout the week and on public holidays. The offer is valid till 31 December 2018.

    Fees & Charges

    Foreign currency transaction fee (for currencies other than what your account is linked to or holds) 2.5% including 1% charged by Mastercard
    Dynamic currency conversion fee 2.5% including 1% levied by Mastercard
    Cash withdrawal limit per day S$3,000
    Daily POS usage limit S$2,000
    Monthly POS usage limit S$10,000

    Eligibility criteria

    • You must be 18 years and above.
    • You can be a Singaporean, a foreigner, a non-profit organisation.
    • You must hold either a personal or a joint deposit account.

    Documents Needed

    • A copy of your NRIC (front and back); or
    • A copy of your passport

    List of Savings Accounts Linked to Citibank ATM/Debit Mastercard

    • Citi MaxiGain Savings Account
    • Citibank Interest Plus Savings Account
    • Citibank MaxiSave Account
    • Citibank Tap & Save Account

    How to Apply

    To apply for the Citibank Debit Mastercard, you need to print out the application form, complete it and mail it to the address mentioned on the form. Or you can visit any of the nearest Citi branches.


    1. Q. Is there any processing fee for overseas use of the card?

      A. No. The Citibank Debit Mastercard does not charge any additional fees for overseas use.

    2. Q. Is it safe to save my card details online?

      A. Your Debit Mastercard uses a magnetic chip called the EMV-Dynamic Data Authentication Smart Chip, which protects you from possible theft or fraudulent activities.

    3. Q. How do I activate or deactivate my card?

      A. To activate or deactivate your card, you can apply through SMS, on Citibank Online or Citi Mobile.

    4. Q. How do I pay my bills?

      A. You can pay your debit card bills through any AXS Station.

    5. Q. If my debit card is stolen, what is my liability?

      A. If your credit card has been stolen, then report to the police and notify Citi immediately. Once you have reported the loss, your maximum liability to the bank is S$100.

    6. Q. How do I convert my ATM Card to Debit Mastercard?

      A. To convert, you can visit any of the branches, contact the CitiPhone Banking at 6225 5225 or simply apply online.

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