
Citi Bank virtual cards offer a secure way to make purchases online, with a unique card number, expiration date, and security code that can be generated and reused for each transaction.
You can manage your Citi Bank virtual card online, making it easy to keep track of your purchases and account activity.
Citi Bank virtual cards are convenient because they can be used for online shopping, bill payments, and other digital transactions, eliminating the need to carry a physical card.
Citi Bank's virtual card system also helps protect your account information by generating a new card number for each transaction, reducing the risk of card skimming or data breaches.
What It Is
The Citibank Virtual Credit Card is an innovative tool that ensures safe online shopping.
It offers a unique, temporary card number for every transaction, which reduces the risk of online fraud.
A virtual card is a digital payment card with a randomly generated card number, security code, and expiration date.
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It's connected to a funding source, such as a credit or debit card, but masks that information during online or over-the-phone transactions.
The Citi virtual credit card is called the Virtual Account Number (VAN), and it's available for free with specific cards.
A purchase made with the Virtual Account Number will appear on the user's monthly statement along with the specific card number used.
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Key Features
The Citi Bank Virtual Card offers a range of features that make it a convenient and secure option for online transactions.
You can generate as many Virtual Account Numbers as you need, making it easy to manage multiple purchases or subscriptions.
Daily spending limits can be set for each card, and Citi will decline any transactions that exceed the limit, giving you peace of mind and helping you stay on budget.
Each day, the spending limit automatically resets to the amount you previously chose, so you don't have to worry about tracking your spending.
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The card expiration date can be set for up to two years, and you'll receive a clear indication when the card is about to expire.
Here are some key features of the Citi Bank Virtual Card:
- Unlimited cards
- Daily spending limits
- Card expiration
With these features, you can have complete control over your online transactions and enjoy the benefits of a secure and convenient payment method.
Getting Started
To start using a Citibank Virtual Credit Card, you'll need to log in to your online account and navigate to the Virtual Credit Card section. From there, you can generate a new virtual card number for your online purchase.
The virtual card number is different from your actual card number, which helps keep your real card details safe from hackers. This is a great security feature that adds an extra layer of protection to your online transactions.
To apply for a Citibank Virtual Credit Card, simply log in to your online account, navigate to the credit card section, and click on "Apply for a Virtual Credit Card." Fill out the application form with accurate details and submit it for approval.
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Key Steps to Get Started:
- Log in to your Citibank online account.
- Navigate to the Virtual Credit Card section.
- Generate a new virtual card number.
- Apply for a Citibank Virtual Credit Card through your online account.
Once you've completed the application process, you'll receive your virtual card details via email, and you can start using your virtual card immediately for online purchases.
Initial Setup
To get started with your Citibank Virtual Credit Card, you'll need to complete the verification process. This may include entering a code sent to your phone or email. Once you've completed the verification, your Citibank Virtual Credit Card is ready for use.
You can start using your virtual card immediately for online purchases. The virtual card number is different from your actual card number, so your real card details are safe from hackers. This is a great way to add an extra layer of safety to your online shopping.
Here's a quick rundown of the initial setup process:
- Complete the verification process
- Receive your virtual card details via email
- Start using your virtual card for online purchases
This process is simple and quick, and it's a great way to get started with your Citibank Virtual Credit Card.
Eligibility Criteria

To get started with a Citibank Virtual Credit Card, you must meet certain eligibility criteria.
You'll need to be at least 18 years old.
Having a valid government-issued ID is also a must.
A good credit score is also a requirement.
You'll need to be a current Citibank customer to apply.
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Using Your Card
You can access Citibank Virtual Credit Card by logging into your Citi account and selecting the “Enroll In/Get” option on the Virtual Accounts Number page.
To generate a virtual credit card, choose the card you'd like to create a virtual card for, set a custom spending limit, and select an expiration date.
You can use your virtual credit card as soon as it's created, and delete it when it's no longer needed.
To pay with your virtual credit card, copy the Virtual Account Number by clicking on the “Copy” button next to the card number, and paste it into the designated field on the payment screen.
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Enter the expiration date and CVV manually, and you're good to go.
You can transact using one of your existing virtual cards by finding the details in the Virtual Account Number Dashboard.
Citibank Virtual Credit Card offers convenience and safety for online transactions, making it perfect for frequent online shoppers.
You can use your Citibank Virtual Credit Card internationally, wherever your physical Citibank card is accepted.
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Security Features
Citibank Virtual Cards offer advanced security features to keep your transactions safe. Your real card number is never exposed, minimizing the risk of fraud and unauthorized charges.
Each virtual card generates a unique number, adding an extra layer of protection. This means you can shop online with peace of mind, knowing your details are protected.
Here are some key security features of Citibank Virtual Cards:
- Real-time transaction monitoring
- Instant alerts for suspicious activities
- Zero liability on unauthorized transactions
With Citibank Virtual Cards, your card details are safe during online transactions. Encryption converts your data into a secure code, making it unreadable to unauthorized users.
Online Shopping and Internationally
Online shopping has become a way of life, and with Citibank Virtual Credit Card, you can shop online with ease and security. The process is straightforward: log in to your Citibank account, navigate to the Virtual Credit Card section, generate a new virtual card number, and use it at the online checkout.
Your virtual card number is temporary, adding an extra layer of security to your online transactions. This means your real card information stays safe.
You can use your Citibank Virtual Credit Card internationally, as it works wherever your physical Citibank card is accepted.
Here are some key benefits of using a Citibank Virtual Credit Card for online shopping:
- Enhanced security
- Convenience
- Control over spending
With these benefits in mind, you can shop online with confidence, knowing that your transactions are secure and convenient.
Account Management
To manage your Citi Bank virtual card account, you first need to link it to your main account after activation. This helps track expenses easily.
You can do this by going to your account settings, finding the 'Link Card' option, and selecting your virtual card from the list. To get started, log in to your Citibank account, navigate to the credit card section, activate your virtual card, complete the verification process, and then link it to your main account.
You can also set spending limits for better control, track your spending in real time, and view all your virtual card transactions. This will help you stay on top of your finances and make online purchases with more security.
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Managing Your
Managing your Citibank Virtual Credit Card is a breeze. You can view all your virtual card transactions at any time, making it easy to keep track of your spending.
To access your transaction history, simply log in to your Citibank account and navigate to the credit card section. From there, you can view all your transactions made with your virtual card.
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You can also set spending limits for better control over your spending. This feature is especially useful for online shopping, where you may not be able to verify the authenticity of the merchant.
Here are some key features of managing your Citibank Virtual Credit Card:
Real-time tracking is also available, allowing you to monitor your spending as it happens. This feature is especially useful for spotting any unauthorized transactions quickly.
By managing your Citibank Virtual Credit Card, you can have more control and security over your online purchases.
Monthly Costs Vary
Monthly costs can vary depending on your plan. You can generate up to 12 virtual cards monthly on the base plan.
With the Pro plan, you can get up to 36 virtual cards per month. This plan also offers priority support.
The Premium plan, on the other hand, allows you to generate up to 60 virtual cards per month. This plan also includes no foreign transaction fee.
Some plans offer additional features like 1% cashback on eligible purchases. The cashback limit is $4,500 a month on the Premium plan.
Here's a breakdown of the monthly costs:
Frequently Asked Questions
How do I get my virtual card?
To obtain a virtual card, log in to your credit card's online account and enroll in the virtual credit card program if required. Once enrolled, you can request a virtual credit card number to be generated.
Sources
- https://privacy.com/blog/citi-virtual-credit-card
- https://cardvcc.com/citibank-virtual-credit-card/
- https://monkeymiles.boardingarea.com/how-to-get-a-citi-virtual-credit-card-number/
- https://openpaycard.com/faq/how-to-create-citibank-virtual-credit-card/
- https://wallethub.com/answers/cc/citi-virtual-credit-card-1000388-2140751587/
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