You've got a Citibank credit card, and now it's an Axis Bank credit card? Don't worry, you're not alone! With the acquisition of Citibank's consumer banking business in India by Axis Bank, many customers are navigating this transition. The good news is that accessing and managing your credit card is straightforward once you understand the new process. Let's get you set up to manage your Axis Bank credit card (formerly Citibank) online!
A Smooth Transition: Understanding Your New Axis Bank Credit Card
First things first, it's important to understand that your existing Citibank credit card has been migrated to the Axis Bank platform. This means your old Citibank online banking credentials will no longer work for your credit card. You'll need to register for Axis Bank's Internet Banking or Mobile Banking app to manage your card. But fret not, the process is designed to be as seamless as possible, allowing you to use your existing card details for registration.
Let's dive into the step-by-step guide to get you logged in and managing your credit card with ease!
Step 1: Get Ready for Your First Login!
Hey there, valued customer! Are you ready to take control of your credit card and explore the new world of Axis Bank's digital services? Excellent! Before we proceed, make sure you have a few things handy:
- Your registered mobile number (the one linked to your former Citibank credit card).
- Your registered email ID.
- Your Citi-branded Debit Card or Credit Card details (card number, expiry date, CVV/PIN).
- Your PAN details (for Indian residents) or Passport number (for NRIs).
- A stable internet connection – we don't want any interruptions!
Having these ready will make the registration process a breeze. Let's move on to choosing your preferred way to log in!
Step 2: Choosing Your Digital Gateway – Internet Banking or Mobile App
Axis Bank offers two primary ways to access and manage your credit card online: through their Internet Banking portal or their mobile banking application. Both offer comprehensive services, and the choice is yours!
Sub-heading: Option A: Registering via Axis Bank Internet Banking (Recommended for First-Time Setup)
This is often the most comprehensive way to set up your account for the first time.
Step 2.1: Navigating to the Right Portal
- Open your web browser and go to the official Axis Bank Internet Banking portal for former Citibank customers. The specific URL is often:
https://omni.axisbank.co.in/axisretailbanking/ - Once on the page, look for a section or link specifically for "First Time Login for Former Citibank Customer" or "Citi India login." Click on this.
Step 2.2: Initiating Your Registration
- You'll be prompted to initiate your registration. You'll likely have options to authenticate yourself. Choose one of the following:
- Axis Bank Customer ID (If you've already received one).
- Citi-branded Debit Card or Credit Card details (This is usually the easiest for former Citi customers).
- If you choose your Citi-branded Credit Card: Enter your full credit card number, expiry date, and the CVV. You might also need to enter your Credit Card PIN.
- If you choose the OTP authentication process (which might be an option): You'll need to enter your registered mobile number and PAN details (or Passport for NRIs). Click on "Get Customer ID" if you don't know it, and you'll receive an OTP to retrieve it.
Step 2.3: OTP Verification – Your Security Check
- Once you've entered your details, the bank will send One-Time Passwords (OTPs) to your registered mobile number and, in some cases, your registered email ID.
- Carefully enter both OTPs into the designated fields. This step is crucial for verifying your identity.
Step 2.4: Setting Up Your New Credentials
- After successful OTP verification, you'll be guided to set up your new login ID and password for Axis Bank Internet Banking.
- Choose a strong, unique password that combines uppercase and lowercase letters, numbers, and special characters. Make it memorable but difficult for others to guess.
- You might also be asked to set up security questions and their answers. Remember these answers as they are vital for account recovery.
- Finally, create your personalized Login ID. This will be your primary identifier for logging into Axis Bank's online services.
Step 2.5: Congratulations! Your First Login
- Once you've set all your new credentials, you'll typically be redirected to the login page.
- Use your newly created Login ID and password to log in to Axis Bank Internet Banking.
- You should now be able to view and manage your credit card details, statements, and other services.
Sub-heading: Option B: Registering via Axis Bank Mobile Banking App 'Open'
The Axis Bank 'Open' mobile app offers a convenient way to manage your finances on the go.
Step 2.1: Download and Install the App
- Head to your smartphone's app store:
- For Android users: Google Play Store
- For iPhone users: Apple App Store
- Search for "Axis Bank Mobile Banking App" or "Axis Mobile App Open."
- Download and install the official Axis Bank app. Be cautious of fake apps.
Step 2.2: Launching and Initiating Registration
- Open the app once it's installed.
- You'll likely see an option like "Login to your Axis account" or "New User Registration." Tap on this.
- The app will ask for certain permissions (like SMS access for verification). Allow these permissions for a smooth experience.
Step 2.3: Mobile Number Verification
- The app will prompt you to verify your mobile number via SMS. Ensure the SIM card of your registered mobile number is in the phone you are using. An SMS will be sent from your device for verification.
- If SMS delivery fails, you might be given an option to enter your registered mobile number and receive an OTP.
Step 2.4: Completing Registration with Your Citi Details
- After mobile verification, you'll be guided to complete the registration. You can use methods like:
- OTP authentication (as described for internet banking, requiring PAN/Passport).
- Citi-branded Debit Card or Credit Card details.
- If you choose your Citi-branded Credit Card: Enter your card number, expiry date, and CVV.
- Follow the on-screen prompts to complete the authentication.
Step 2.5: Setting Your MPIN and Biometrics
- You'll be asked to enter a nickname for your account.
- Then, you'll need to create an MPIN (Mobile Personal Identification Number). This is a 4-6 digit PIN that you will use for quick logins to the mobile app.
- For enhanced security and convenience, you can also enable biometrics (fingerprint or face ID) if your phone supports it.
Step 2.6: Accessing Your Credit Card
- Once registered, you can log in using your MPIN or biometrics.
- Navigate through the app to find your credit card details. This is usually under a "Cards" or "Credit Cards" section. You should be able to view your statements, transactions, and other services.
Step 3: What to Do After Your First Login
Congratulations! You're now successfully logged into your Axis Bank account and have access to your credit card. Here are some essential things you should do:
Sub-heading: Exploring Your Credit Card Features
- View Your Statement: Familiarize yourself with the new statement format. Locate your unbilled transactions, past statements, and payment due dates.
- Check Your Credit Limit and Available Balance: Ensure these details are accurate and reflect your understanding.
- Review Your Rewards: Former Citibank credit cards came with various reward programs. Axis Bank has migrated these to their EDGE Rewards program. Check how your existing rewards have transitioned and understand the new earning and redemption mechanisms.
- Set Up Auto-Debit for Bill Payments (Highly Recommended!): This is a great way to ensure you never miss a payment and avoid late fees.
- Through Internet Banking: Go to "Services" -> "Credit Card Services" -> "Auto Debit Setup."
- Through Mobile App: Navigate to "Services" -> "Credit Card" -> "Auto Debit Payment."
- Manage Card Controls: Explore options to set daily transaction limits, enable/disable international transactions, or block/unblock your card for specific transaction types (e.g., online, POS, ATM).
Sub-heading: Understanding the Support System
- Familiarize yourself with the customer care numbers for Axis Bank in case you need assistance. You can find these on the Axis Bank website or within the app.
- Note down your Axis Bank Customer ID as it will be useful for future interactions with the bank.
Frequently Asked Questions (FAQs)
Here are 10 common questions you might have about logging into Axis Bank for your former Citibank credit card:
How to retrieve my Axis Bank Customer ID if I don't know it?
You can typically retrieve your Customer ID during the first-time registration process by selecting the OTP option. You'll need to enter your registered mobile number and PAN details, and an OTP will be sent to confirm and provide your Customer ID.
How to reset my Axis Bank Internet Banking password?
On the Axis Bank Internet Banking login page, look for a "Forgot Password" or "Reset Password" link. You'll likely need your Login ID and to authenticate yourself using your registered mobile number (via OTP) or debit/credit card details.
How to activate my new Axis Bank credit card after migration?
Your migrated credit card should generally be active. However, if it requires activation, you can usually do so via Axis Bank Internet Banking, the mobile app (under the 'Cards' section), or by calling customer care. You might need to set a new PIN for your card.
How to pay my Axis Bank credit card bill (former Citibank)?
You can pay your bill through Axis Bank Internet Banking, the mobile app, NEFT/IMPS, UPI, by setting up auto-debit, or by visiting an Axis Bank branch/ATM. Ensure you use your new Axis Bank credit card details for payment.
How to check my credit card statement on Axis Bank?
Once logged into Axis Bank Internet Banking or the mobile app, navigate to the 'Credit Cards' section. You'll find options to view your current statement, past statements, and unbilled transactions.
How to add my migrated credit card to the Axis Bank app if it's not showing?
If your card isn't automatically showing, try the "Add Card" or "Link Account" option within the mobile app's credit card section. You might need to re-enter your card details for it to appear. If issues persist, contact Axis Bank customer care.
How to change my registered mobile number for Axis Bank credit card?
You can update your registered mobile number through Axis Bank Internet Banking (under 'Services' -> 'My Profile' -> 'Update Mobile Number'), the Axis Mobile app, or by visiting a nearest Axis Bank branch and submitting a Customer Request Form.
How to block my lost or stolen Axis Bank credit card (former Citibank)?
Immediately block your card by logging into the Axis Bank Mobile app (Banking > Services > Credit Card > Block & Replace Card) or Internet Banking (Account > My Cards > More Services). Alternatively, call Axis Bank customer care directly.
How to find my credit card's CVV or expiry date on the app/internet banking?
For security reasons, your full CVV is generally not displayed online. However, the expiry date will be visible on your digital card view or statements within the Axis Bank Internet Banking or mobile app.
How to reach Axis Bank customer care for credit card queries?
You can reach Axis Bank customer care for credit card related queries on their retail phone banking numbers: 1860-419-5555 or 1860-500-5555. For specific international numbers or other modes of contact (email, live chat), refer to the "Customer Care" section on the Axis Bank website.
