Digital banking makes it easier to manage everyday banking activities without visiting a branch. Customers can use online platforms and mobile applications to check account information, review transactions, make payments, manage beneficiaries, and access other banking services.

For Citi consumer banking customers in India, there has been an important change. Citi transferred its India consumer banking business to Axis Bank on March 1, 2023, including credit cards, retail banking, wealth management, and consumer loans.

As part of the transition, former Citi customers now use Axis Bank Internet Banking and the Axis Bank Mobile Banking App for their migrated consumer banking relationships. Citi Mobile and Citibank Online were discontinued for these customers after the migration.

What Is Digital Banking?

Digital banking allows customers to access banking services electronically through a website or mobile application.

Instead of visiting a branch for routine tasks, customers can use digital banking to:

Check account balances
View transactions
Transfer money
Pay bills
Manage beneficiaries
View statements
Manage credit cards
Monitor account activity
Access eligible banking services

The exact features available depend on the customer’s account and current banking arrangement.

Citi Digital Banking After the Axis Bank Migration

Former Citi consumer customers in India were moved to Axis Bank’s digital banking platforms.

Axis Bank’s migration information explains that customers could register for Axis Bank Internet Banking using their Axis Customer ID or eligible Citi-branded debit or credit card details. Customers then created their new login credentials.

The migration also allowed eligible former Citi customers to access their migrated accounts, credit cards, fixed deposits, and other applicable banking information through Axis Bank’s digital platforms.

Key Digital Banking Features

1. Online Account Access

Digital banking allows customers to access their eligible banking relationships from a computer or smartphone.

You can sign in to the applicable banking platform and view available account information without visiting a branch.

For former Citi customers, this is now handled through Axis Bank’s Internet Banking and Mobile Banking services.

2. Check Account Balance

One of the most commonly used features is checking your account balance.

You can use digital banking to monitor available funds and keep track of your financial activity.

Regular balance checks can also help you identify unexpected changes to your account.

3. View Transaction History

Digital banking makes it easier to review account transactions.

Depending on the account, you may be able to view:

Deposits
Withdrawals
Transfers
Payments
Card transactions
Other account activity

Axis Bank states that former Citi customers can access available historical account information through its digital banking platforms.

4. Download Account Statements

Statements can be useful for reviewing your financial activity and maintaining personal records.

Axis Bank’s migration information states that former Citi customers can download statements covering the previous three years through Axis Bank Internet Banking and Mobile Banking.

5. Money Transfers

Eligible customers can use digital banking to make available fund transfers.

Before confirming a transfer, always verify:

Beneficiary name
Account number
IFSC
Transfer amount
Applicable transaction details

Carefully checking these details can help prevent mistakes.

6. Beneficiary Management

Digital banking allows customers to manage eligible beneficiaries and payees.

According to Axis Bank’s migration information, Citi payees were migrated to Axis Bank, subject to certain conditions regarding duplicate or matching beneficiaries.

Always confirm beneficiary details before making a significant transfer.

7. Credit Card Management

Former Citi credit-card customers can access their migrated card relationship through Axis Bank’s digital banking platforms.

Depending on the card, digital services may allow customers to:

View card transactions
Check available credit
View statements
Check payment information
Manage applicable card services
Report certain card issues

The Citi credit-card portfolio was included in the consumer banking business transferred to Axis Bank.

8. Fixed Deposit Information

Former Citi customers with eligible fixed deposits can also access their migrated FD information through Axis Bank’s Internet Banking and Mobile Banking platforms.

This can make it easier to monitor existing deposits without visiting a branch.

9. UPI Services

Eligible migrated accounts can also be used with UPI services.

Axis Bank’s migration information states that migrated customers could continue using UPI with their registered mobile number, subject to the applicable setup and requirements.

10. Rewards Management

Former Citi cardholders may also be able to view migrated rewards through Axis Bank’s rewards system.

Axis Bank states that accumulated Citi reward points were converted into EDGE Rewards Points, with the applicable redemption value and benefits maintained under the migration arrangement.

Mobile Banking Services

Mobile banking provides many of the same services as Internet Banking but through a smartphone.

Former Citi customers can use the Axis Bank Mobile Banking App to access their eligible migrated banking services.

Typical mobile-banking functions can include:

Account balance checks
Transaction monitoring
Fund transfers
Bill payments
Credit-card management
Beneficiary management
Rewards access
Support services

The available features depend on the customer’s account and current Axis Bank services.

How to Register for Digital Banking

If you are a former Citi consumer banking customer and need to access your migrated relationship:

Step 1: Visit Axis Bank

Go to the official Axis Bank website and access the Internet Banking registration option.

Step 2: Select the Former Citi Customer Option

Axis Bank provided a specific registration route for former Citibank customers during the migration.

Step 3: Enter Required Information

Depending on the registration method, you may be asked for your Axis Bank Customer ID or eligible Citi-branded card details.

Step 4: Complete Verification

Follow the required OTP and identity-verification steps.

Step 5: Create Your Credentials

Set up the required login ID, password, and security information.

Step 6: Sign In

After successful registration, use your new Axis Bank credentials to access your migrated banking services.

What Happened to the Old Citi Login?

Former Citi consumer customers should not expect their old Citi login credentials to work on Axis Bank’s digital platforms.

Axis Bank’s migration instructions required customers to register and establish new credentials for Internet Banking and Mobile Banking.

If an old Citi username or password no longer works, use the current Axis Bank registration and login process instead.

Digital Banking Security Tips

Online banking provides convenience, but customers should also protect their financial information.

Use Official Platforms

Always access your account through the official banking website or mobile application.

Protect Your Password

Never share your banking password with another person.

Never Share OTPs

Bank employees should not require you to disclose an OTP for ordinary account assistance.

Avoid Unknown Links

Don’t log in through suspicious links received through email, SMS, WhatsApp, or social media.

Check Transactions

Regularly review your account and card transactions.

Secure Your Mobile Device

Use a screen lock and keep your operating system and banking application updated.

Benefits of Digital Banking

Digital banking can provide several practical advantages.

Convenience

Routine banking services can be accessed from home, work, or while traveling.

Faster Access

You don’t need to visit a branch simply to check balances or review transactions.

24/7 Availability

Many digital banking services are available outside traditional branch hours, although certain transactions or services may have specific processing times.

Better Account Monitoring

Frequent access makes it easier to monitor transactions and identify unusual activity.

Paperless Management

Digital statements and transaction records can reduce the need for physical paperwork.

Frequently Asked Questions

Can I still use Citi Mobile Banking in India?

Former Citi consumer banking customers in India were migrated to Axis Bank’s digital platforms. Axis Bank states that Citi Mobile and Citibank Online were discontinued after the migration.

Can I use my old Citi login?

Former Citi customers need to use the Axis Bank digital banking registration and login process rather than their old Citi credentials.

Can I view my old Citi transactions?

Axis Bank states that former Citi customers can access available historical account information and download statements for up to three years through its digital banking platforms.

Can I manage my Citi credit card online?

Migrated Citi credit-card customers can use the applicable Axis Bank digital banking services to manage their current card relationship.

Can I access my Citi fixed deposits online?

Eligible former Citi fixed deposits can be viewed through Axis Bank Internet Banking and Mobile Banking.

Are Citi reward points available after migration?

Axis Bank states that accumulated Citi reward points were converted to EDGE Rewards Points as part of the migration.

Final Thoughts

Citi’s consumer digital banking services in India have now transitioned to Axis Bank. The migration included consumer banking relationships such as savings accounts, credit cards, loans, and other eligible services.

Former Citi customers can now use Axis Bank’s Internet Banking and Mobile Banking App to manage eligible accounts, check balances, review transactions, transfer funds, access statements, manage credit cards, view fixed deposits, and use other available digital services.

For security, always use official banking channels and never share your password, PIN, or OTP with anyone.