Global security
and peace of mind
A Citi Mastercard comes with full protection against unauthorised transactions, plus comprehensive assistance in the event of any travel emergency.
Meet your new Citi Mastercard.
Upon the expiry date of your current Citi credit card, your renewal card will be a Mastercard.*
Learn more about the Mastercard benefits you will have access to, while still enjoying the current card benefits provided by us including the Citi Instalment Plans1. Any annual fees, interest rates, access to Reward Programs2 and complimentary insurances3 associated with your card will continue.
Select your product tab at the top of this page to learn more about your Citi card.
What continues with your card?
provided by us
PIN
Online access
access
What's new with your card?
account number
(Card Verification Value)
Welcome to the world of Mastercard.
Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.
Global security
Global acceptance
You can pay quickly and securely with your Mastercard for your online purchases with merchants within Australia and internationally and at over 47 million merchants in more than 210 countries and territories.
What you need to do
You and any additional cardholders will receive a renewal Mastercard before your current card expires.*
When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.
How to activate your card?
To ensure a recurring payment is not declined, you will need to update your card details with the merchants.
How to update your recurring payments?
Activating your new Mastercard is quick and easy
Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.
Activate your card now, to access your card benefits. 
For other ways to activate your card:
Visit citibank.com.au/activate-card/
Update your recurring payments
To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.
If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.
Remember to also update your mobile wallets
If you use Apple Pay4, Samsung Pay5, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.
FAQs
Why are you replacing my existing card?
Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.
Why are you changing my Visa to Mastercard?
We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.
Following the switch to Mastercard, your features and benefits continue with your card including:
- Card benefits provided by us
- Annual fees (if applicable to your existing card)
- Interest rates
- Card PIN and telephone PIN
- Citi Online login and access
- Citi Mobile® App access
- Rewards Program2 (if applicable to your existing card)
- Any complimentary insurance3 associated with your existing card
- Access to Citi Instalment Plans.1
What's new with your card?
- Card number and account number
- Card expiry and CVV (Card Verification Code)
I already have (a) Mastercard credit card(s)?
It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.
Is Citi ending Visa?
Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.
Why can't I just go back to Visa?
We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.
Do you still offer Visa cards?
Yes, some Visa cards will continue to be issued.
Will I be able to use my Mastercard credit card in as many places as my Visa card?
Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us
With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.
Will this switch to Mastercard cost me anything?
No, there is no cost to you by switching to Mastercard.
Do my credit terms or interest rate change?
As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.
When will my credit card change to a Mastercard?
You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.
Do I need to do anything now before my Mastercard arrives in the mail?
No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.
If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.
To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.
If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.
Can I use my Visa card after I activate my Mastercard?
You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.
What will change on my new Mastercard?
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The following will change for you:
- Expiry date
- CVV (Card Verification Value)
- Card number and account number
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The following will continue:
- Card benefits provided by us
- Annual fees (if applicable to your existing card)
- Interest rates
- Card PIN and telephone PIN
- Citi Online login and access
- Citi Mobile® App access
- Reward Program2 (if applicable on your existing card)
- Any complimentary insurance3 associated with your existing card
- Access to Citi Instalment Plans.1
I have an additional card on my account. Will I also receive a card for this?
If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.
Can I add an additional cardholder to my new Mastercard?
Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.
Will my Personal Identification Number (PIN) change?
No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.
I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?
To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.
If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.
When can I change my recurring payments information?
As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).
To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.
If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.
Will my Mastercard have contactless payment technology?
Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.
Can I use my Mastercard on Apple Pay / Samsung Pay?
Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay4 or Samsung Pay5. Just remember to update your card details in your respective digital wallets.
Where can I see my latest transactions online?
All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.
Why do I have a balance on the Mastercard when I have not made any purchases?
Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.
Which card should I make my payments to?
You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.
Will all of my card online settings from my old credit card transfer to Mastercard?
Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.
It is an inconvenience having to update my card details on all my merchants.
We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.
If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.
Should I keep my Visa card in case I have to make a return?
There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.
I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?
Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.
Can I change my payment due date?
Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.
Will there be any system downtime when the card is being converted?
Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.
Will this conversion impact my credit bureau/ credit score?
No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.
What do I need to do when I receive my new Mastercard?
When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.
Will all my reward Points come over from my Visa card?
You will not lose any reward Points2 as a result of this change. They will be migrated across to your new Mastercard.
Why do I see a Mastercard under my online profile?
We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.
Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.
In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.
To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.
Important Information
*Your card will be renewed provided your account is in good standing (for example – your account is not in default, suspended or closed).
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Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
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For Citi Rewards Program: All rewards are subject to the Terms and Conditions of the Citi Rewards Program.
Qantas Frequent Flyer Program: All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. An additional annual fee of $49 will apply to join the Citi Qantas Rewards program. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account.
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Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
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Apple Pay: Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
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Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/
