The migration process of Citibank credit cards to Axis Bank is scheduled to be completed by July 15. Customers who hold Citibank credit cards will have their accounts transferred to Axis Bank by this date.
Last week, the bank notified that it is in the final stage of transitioning Citi's consumer business in India to Axis Bank. Due to this, certain banking services were interrupted, and Axis Bank products will be temporarily affected between 10 pm, July 12th, 2024, and 9 am, July 14th, 2024.
Citibank credit cards will be migrated to Axis Bank by July 15, 2024: Till when can you use your Citibank credit card post migration?
Here is also you need to know migration of Citi credit cards to Axis Bank.
When is the migration from Citi to Axis Bank expected to be completed for all my credit card relationships?
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The migration of all your relationships, including card(s) will be completed by 15-07-2024. We will keep you duly informed of any changes to this timeline.
Upon completion of the migration, i.e., 15-07-2024 onwards, you can start enjoying the benefits of your new Axis Bank card(s) on your existing Citi-branded card(s).
Your Citi-branded card(s) will continue to work seamlessly till you receive your new Axis Bank card(s) within a few months after the migration. We will share more details with you in due course.
What changes should I expect on my credit card transactions post migration?
To ensure a smooth transition, we have ensured minimal changes in the way you use your credit card. Please refer to the table below for details on what changes and what remains the same on your card(s) post migration1:
| Card features and services | Pre migration day | Post migration day | ||
| Card details | Card PIN | Remains the same | ||
| Card number, expiry date and CVV | Remains the same | |||
| Card controls and limits (Point of Sale, Contactless, E-commerce, ATM and International transactions) | Remains the same2 | |||
| Combined Credit Limit across all Axis Bank and Citi-branded cards | Remains the same2 | |||
| Fees and statements | Outstanding balances and ongoing EMIs | Remains the same | ||
| Billing cycle – Statement generation date and payment due date | Remains the same | |||
| Annual fees and spend based fee waivers | Remains the same | |||
| Statement preferences (Digital / physical) | Remains the same | |||
| Payment channels | Citibank channels | Axis Bank channels | ||
| Digital services – Mobile or Internet Banking | Citi Mobile® App / Citibank Online Account | Axis Bank Mobile Banking App,open / Axis Bank Internet Banking | ||
| Customer Service support | Citi Phone18602102484 | Axis Bank Phone Banking 18001035577 | ||
| Recurring payments / standing instructions | No impact | |||
| Auto debit / e-NACH mandates for repayment of credit card bills | No impact3 | |||
| Saved card/ token on ecommerce merchants (card-on-file) | No impact | |||
| Existing Biller registrations on Citibank Online Bill Pay and Citi Mobile® App | No impact | |||
| Transaction alerts (OTP, transaction, statement alerts) | Citi-branded | Axis Bank branded | ||
| E-commerce payment authentication portal | Citi-branded | Axis Bank branded | ||
Note:1Please note that your Citi-branded Card(s) will be migrated by 15-07-2024, and we will keep you updated in case of any changes.
2 Credit Limit: Post migration, you will enjoy a combined total credit limit across all your Citibranded Credit Card(s) and Axis Bank Credit Card(s). In case you hold a Fixed Deposit backed credit card with Axis Bank, limit for the same will be available only on the Fixed Depositbacked card and will not be a part of the aggregate limit available on the unsecured cards.
3 e- NACH Mandates: For existing e-NACH mandates for your card repayment, presentation will be done to your bank 3 days prior to the payment due date (PDD), to ensure timely credit to your credit card account.
How do I access my card post the completion of migration? Will I be able to access my card with Citibank Online Account / Citi Mobile® App 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 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 App using existing Citibranded Card credentials.
Will I have to submit any applications or documents for migration to Axis Bank?
No, you do not need to sign or submit any forms or documents for the migration to Axis Bank. On migration day, your existing Citi-branded Cards and Citibank account(s) will be transitioned to Axis Bank card and Axis Bank account(s). We will keep you informed in case there is any action required from your end.
How and when will I get to know my Axis Bank Customer ID?
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.
What are the various customer service channels available to me?
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.
Post migration, how can I block my credit card in case of any fraudulent activity?
Post migration, if you wish to block your credit card, please use the Axis Bank service channels as detailed below:
SMS ‘BLOCKCARD’ to 56161600 or +918691000002 from your registered mobile number
Call our phone banking team at 18001035577 or visit the nearest Axis Bank branch to block your credit card
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’
Axis Bank Mobile App, open:
- Login to open
- Click on 'More'
- Select 'Other Services'
- Choose 'Block Credit Card'
What will happen to my accumulated reward points or miles on my old / existing Citi-branded 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:
| S. No. | Citi Product Name | Axis Bank Product Name | Reward Conversion Details |
| 1 | Citi Rewards Credit Card | Axis Bank REWARDS Credit Card | 1 Reward Point = 1.75 EDGE REWARDS Points |
| 2 | IndianOil Citi Credit Card | INDIANOIL AXIS BANK PREMIUM Credit Card | 1 Turbo Point = 1 EDGE Mile |
| 3 | Citi PremierMiles Credit Card | Axis Bank HORIZON Credit Card | 1 Mile = 0.45 EDGE Miles |
| 4 | Citi Prestige Credit Card | Axis Bank OLYMPUS Credit Card | 1 Reward Point = 1 EDGE Mile |
| 5 | Citi Business Credit Card | Axis Bank REWARDS Credit Card | 1 Reward Point = 2.5 EDGE REWARDS Points |
| 6 | IndianOil CitiBusiness Credit Card | INDIANOIL AXIS BANK PREMIUM Credit Card | 1 Turbo Point = 1 EDGE Mile |
| 7 | IKEA Family Credit Card by Citi | IKEA Family Credit Card by Axis Bank | 1 Reward Point = 1 EDGE REWARD Points |
What redemption options will I be able to enjoy on my Axis Bank EDGE REWARD Points / EDGE Miles after migration?
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.
Which points will be redeemed first during redemption: migrated Citi points or points earned after migrating to Axis Bank?
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.
What fees and charges will be applicable on my credit card after migration?
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.
After migration, will there be any change in annual fee charged on my Citi-branded Card(s)?
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.
I paid my annual fee before the migration. Will I be charged again, and will my renewal benefits change?
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.
