The merger of Citibank's consumer business with Axis Bank has been a significant event for many customers. If you were a Citibank account holder, you're likely wondering how to access your banking services with Axis Bank now. Worry not, this comprehensive guide will walk you through the process step-by-step.
Welcome to Your New Banking Experience!
Are you ready to seamlessly transition your Citibank account services to Axis Bank? The good news is that Axis Bank has put in place a dedicated process to ensure a smooth migration. This guide will help you understand how to register and log in to Axis Bank's digital platforms as a former Citibank customer.
Step 1: Understanding the Transition and What Stays the Same
Before we dive into the login process, it's crucial to understand a few key things about the transition:
Your Existing Account Details
Your Bank account number, Citibank® Debit Card/Credit Card numbers, cheque books, IFSC, and MICR codes are generally expected to remain the same. This means you don't need to memorize new numbers immediately. *Your Citi-branded cards will continue to work seamlessly until you receive your new Axis Bank cards.
Access Channels Post-Migration
While your account details largely remain, the primary channels for accessing your banking services have shifted:
- You will now primarily use the Axis Mobile App for digital banking services.
- Customer service will be available via Axis Bank Phone Banking.
- All alerts and payment authentication details will now come from Axis Bank.
Step 2: Initiating Your First-Time Login to Axis Bank
For former Citibank customers, the first login to Axis Bank Internet Banking or the Mobile Banking App requires a one-time registration process.
Sub-heading: Via Internet Banking
This is often the preferred method for a more detailed setup.
- Visit the Axis Bank Omni Channel Portal: Open your web browser and navigate to the official Axis Bank Omni Channel portal. The URL is typically
https://omni.axisbank.co.in/axisretailbanking/. Always ensure you are on the official Axis Bank website to avoid phishing scams. - Locate the "First Time Login for Former Citibank Customer" Section: On the login page, you will find a distinct section specifically for former Citibank customers. Look for a link or button that says "Login" or "Register" under this heading.
- Select Your Authentication Method: Axis Bank provides several options for authentication:
- Axis Bank Customer ID: If you were an existing Axis Bank customer before the merger and your Citibank accounts have been mapped to your existing Customer ID, you can use this.
- Citi-branded Debit Card details: This is a common and convenient method. You will need your full 16-digit debit card number and ATM PIN.
- Citi-branded Credit Card details: Similarly, you can use your credit card number and PIN.
- Alternatively, you might have an option for OTP authentication using your registered mobile number.
- Complete the Registration: Follow the on-screen prompts to enter the required details based on your chosen authentication method. This will typically involve:
- Entering your selected card details (debit or credit card number, expiry date, CVV, and PIN).
- Receiving and entering One-Time Passwords (OTPs) on your registered mobile number and/or email ID. Make sure your registered contact details are up-to-date with the bank.
Sub-heading: Via Axis Mobile App
For on-the-go banking, the mobile app is essential.
- Download the Axis Mobile App: If you haven't already, download the "Axis Mobile" app from the Google Play Store (for Android) or Apple App Store (for iOS).
- Open the App and Select "Login to your Axis account": Launch the app and tap on the option to log in.
- Allow Permissions: The app might request certain permissions for a seamless experience (e.g., SMS access for verification). Grant these permissions only if you are comfortable.
- Verify Your Mobile Number: The app will likely initiate an SMS-based verification of your registered mobile number.
- Complete Registration: Similar to internet banking, you will need to authenticate yourself. This can be done using your:
- Axis Bank Customer ID
- Citi-branded Debit Card details
- Citi-branded Credit Card details
- Forex Card details (if applicable)
- Loan details (if applicable)
- Set a Nickname and MPIN: You'll be prompted to set a nickname for your account and create a Mobile Banking Personal Identification Number (MPIN). This MPIN will be used for quick and secure logins to the app. Consider enabling biometrics (fingerprint/face ID) for added convenience and security.
Step 3: Setting Up Your New Axis Bank Credentials
Once you've successfully authenticated in Step 2, the next crucial phase is to set up your new Axis Bank login credentials.
Sub-heading: Setting Your Password
This is vital for securing your account.
- Create a Strong Password: You will be asked to set a new password for your Axis Bank Internet Banking/Mobile App. Choose a strong, unique password that combines uppercase and lowercase letters, numbers, and special characters. Avoid easily guessable information.
- Confirm Your Password: Re-enter your new password to confirm it.
Sub-heading: Setting Security Questions
These questions are crucial for account recovery and verification.
- Choose and Answer Security Questions: Select a few security questions from the provided list (e.g., "What was the name of your first pet?", "What is your mother's maiden name?").
- Provide Accurate Answers: Ensure your answers are accurate and memorable to you, but not easily discoverable by others. These questions will be used if you ever need to reset your password or verify your identity.
Sub-heading: Creating Your Personalized Login ID
This makes logging in easier to remember.
- Set Your Login ID: Axis Bank allows you to create a personalized Login ID. This can be an alphanumeric ID that's easier to remember than your customer ID. This step is usually done during your first successful login to Internet Banking.
- Confirm Your Login ID: Verify your chosen Login ID.
Step 4: Your First Login to Axis Bank Internet Banking/Mobile App
Congratulations! You've completed the registration. Now you can use your newly set credentials to log in.
Sub-heading: Logging In to Internet Banking
- Return to the Axis Bank Internet Banking Portal: Go back to
https://omni.axisbank.co.in/axisretailbanking/. - Enter Your Login ID/Customer ID and Password: Use the personalized Login ID you just created (or your Axis Bank Customer ID if you didn't set a personalized one) and your new password.
- Enter NetSecure Code (if prompted): Depending on your security settings, you might be asked to enter a NetSecure code, which could be an OTP sent to your mobile or generated by a NetSecure device/app.
- Access Your Dashboard: Once successfully logged in, you will be directed to your Axis Bank Internet Banking dashboard, where you can view your accounts, initiate transactions, and manage services.
Sub-heading: Logging In to the Axis Mobile App
- Open the Axis Mobile App: Launch the app on your smartphone.
- Enter Your MPIN or Use Biometrics: Use the MPIN you created, or if you enabled it, use your fingerprint or face ID for a quick login.
- Explore Your Accounts: You should now be able to see your migrated Citibank accounts and manage them through the Axis Mobile App.
Important Considerations and Troubleshooting
- Patience is Key: The migration process for a large number of accounts can take time. If you encounter issues, remain patient.
- Keep Contact Details Updated: Ensure your mobile number and email ID registered with the bank are active and up-to-date, as they are crucial for authentication and communication.
- Official Communication: Always rely on official communication from Axis Bank for any updates or changes related to your account. Be wary of suspicious emails or messages.
- Customer Support: If you face any difficulties, do not hesitate to contact Axis Bank customer care. They have dedicated teams to assist former Citibank customers.
Frequently Asked Questions (FAQs)
How to access my Citibank account balance after the merger?
You can access your Citibank account balance by logging into Axis Bank Internet Banking or the Axis Mobile App after successfully completing the first-time registration and login process. All your account details will be visible there.
How to use my existing Citibank debit/credit card with Axis Bank?
Your existing Citi-branded debit and credit cards will continue to work until Axis Bank issues you new cards. You can use them for transactions as usual. Once new Axis Bank cards are issued, you should activate them and start using them.
How to find my Axis Bank Customer ID after the Citibank merger?
If you were a former Citibank customer and are new to Axis Bank, your Customer ID would have been communicated to you by Axis Bank. You can also retrieve it by sending an SMS "CUSTID" to 56161600 from your registered mobile number, or by contacting Axis Bank customer care.
How to reset my Axis Bank Internet Banking password if I forget it?
On the Axis Bank Internet Banking login page, click on "Forgot password." You will then be guided through a process that typically involves using your debit card details, customer ID, or answering security questions to set a new password.
How to activate my new Axis Bank debit card received after the merger?
You can activate your new Axis Bank debit card through Axis Bank Internet Banking, the Axis Mobile App, or by visiting an Axis Bank ATM. Follow the instructions provided with your new card.
How to update my nominee details for Fixed Deposits (FDs) after the merger?
You can update/change nominee details for your Fixed Deposits (including those migrated from Citibank) via Axis Bank Internet Banking or the Axis Mobile App. Look for the "FD/RD" section and select the deposit to modify nominee details.
How to contact Axis Bank customer care for queries related to my former Citibank account?
You can contact Axis Bank customer care via their toll-free numbers: 1860-419-5555 / 1860-500-5555 / 1800-103-5577. For customers residing/travelling outside India, you can call +91-22-6798-7700.
How to update my KYC details with Axis Bank after the merger?
You can update your KYC details through the Axis Bank Mobile Banking App (More > Services > My Profile > Update KYC) or through Internet Banking (Services > My Profile > Update KYC).
How to check my reward points earned on my Citibank card after it migrated to Axis Bank?
All your reward points earned on Citi-branded Debit Cards are typically converted to Axis Bank's EDGE REWARD Points. You can view your accumulated reward points in the EDGE Rewards section of Axis Bank Internet Banking or the Axis Mobile App.
How to manage my e-NACH mandates for credit card repayment after the merger?
For existing e-NACH mandates for card repayment, Axis Bank will present the mandate three days prior to the due date to ensure timely credit to your credit card account. You should continue to ensure sufficient funds in your linked account.
