The customers need to provide their contact details which includes their basic information like First name, Middle name, Last name, etc. to be shared with Citibank. The drop down values are reference data fields. Example: Title is a reference data field which can take different values. Refer below API callout to get possible values of the reference fields with their description.

The customers need to click on continue to provide further details.

In addition to the basic information shared by the customers in the previous step, they are also required to share some additional information like their phone number and Email id. The drop down values are reference data fields. Example: Country code in the Phone number is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

If the customers agree to share their details with Citibank, they click in the provided check box and then click on continue to create a new application. Refer API callout2 to create a new Application.

The customers continue to provide their personal details including their state, town and country. The drop down values are reference data fields.Example: State is a reference data field which can take different values.Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated in the following step.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.Refer API callout2 to update a saved application.

The customers provide their personal details like nationality and date of birth. Along with this they also provide their identification details, for example driving license number.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer below API callout to update a saved application.

The customers continue to provide their identification details including the state, country of issue and expiry date of the identification document. The drop down values are reference data fields. Example: State of issue is a reference data field which can take different values. Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application. At this step, the customer's credit card application is submitted for the background screening. Refer API Callout3 for the background screening.

Customers to provide their employment details like employment status, employer, total gross salary, other gross income and frequency. The drop down values are reference data fields. Example: Employment status and frequency are the reference data fields which can take different values. Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer API callout2 to update a saved application.

Customers provide their family details which include marital status, number of dependents and mother's maiden name. The drop down values are reference data fields. Example: Marital Status is a reference data field which can take different values. Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

The customers provide their residential address details covering residential address type, residence phone number and the duration of the stay in years and months. The drop down values are reference data fields.Example: Residence type is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

Customers provide their employment details like employment industry, occupation, employer name. The drop down values are reference data fields. Example: Industry, Occupation are reference data fields which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

Customers provide their employers details like postal code,unit,street number,street name and street type.The drop down values are reference data fields.Example: Street type is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

Customers provide their employers details like town, state, country and office phone number. The drop down values are reference data fields. Example: State is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

Customers provide their work experience in years and months. They also provide their financial information details like monthly expenses and rent. By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer below API callout to update a saved application.

Customers provide more financial information like combined credit cards limit, anticipated decrease in the income and loan details.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer below API callout to update a saved application.

The drop down values are reference data fields. Example: Loan type is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application.

After providing the required details, the customers have to wait till the time their shared information is getting processed. At this step, a background process is triggered which returns the In Principal approval status of the application.

The customer's application is either approved or rejected, based on the information shared so far. In case of application approval, the credit limit and other products that can be offered to the customer is determined.
Refer below API callout for the in principle approval.

Post successful In principal approval, the customers are given an option to set up their preferred credit limit on the card. They can either opt to go with the credit limit assigned by the bank or specify a lower credit limit of their choice.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.Refer below API callout to update a saved application.

The customers can avail some additional offers like Balance Transfer, CardAssure etc. They can also opt for an additional card linked to their primary card. Customers to provide the required information for the additional card holder.

The drop down values are reference data fields. Example: Title is a reference data field which can take different values.Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application and API callout3 to add a supplementary card holder.

Customers to provide additional card holder's details like first name, last name, date of birth etc.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout1 to update a saved application and API callout2 to update the supplementary cardholder's information.

The drop down values are reference data fields. Example: Nationality is a reference data field which can take different values.Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application and API callout3 to update the supplementary cardholder's information.

In addition to the details provided by the customers in the above steps of the journey, they also provide other details like home address, driver's license number and state where the license is issued.

The drop down values are reference data fields. Example: State of issue is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application and API Callout3 to update supplementary cardholder's information.

Customers provide their passport details like passport number, country of issue and passport expiry date. The drop down values are reference data fields. Example: Country of issue is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2 to update a saved application and API Callout3 to update supplementary card holder's information.

Customers can also apply for an additional account by clicking on the link Add another cardholder.

Customers can also apply for an additional account by clicking on the link Add another cardholder as illustrated in the above step. For setting up the additional account, customers agree on certain terms and conditions.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout1 to update a saved application and API Callout2 to update supplementary card holder's information.

Customers select the document type to upload. The drop down values are reference data fields. Example: Proof of income is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

After providing all the required details, the customers can submit their application.

By clicking on Continue, the customers can continue with their application processing from the partner's site. However, by clicking on the Save and Exit link, their application is saved and an alert is generated as illustrated above in the journey. When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application.

Refer API callout2  to update a saved application.

If the documents are readily available, then the customers can choose to upload the documents along with application submission.

Otherwise, they can submit the application first and upload the documents at a later point of time. 

Refer API callout3 to update supplementary card holder's information.

Customers to upload their documents like proof of address, proof of Australian residency, proof of employment, other income proof and other supporting documents. They also need to go through and agree to the Customer Confirmation and Declaration information in order to finally process the application.

The drop down values are reference data fields. Example: Proof of address is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

The customers can either choose to upload the supporting documents along with application submission or they click on the Save and Exit link. On selecting the latter option, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer API callout2 to update a saved application.

Customers click on Submit to submit all the details along with the supporting documents. API callout3 is made for uploading the documents and API callout4 is made for submitting the application.

The drop down values are reference data fields. Example: Proof of address is a reference data field which can take different values.

Refer API callout1 to get possible values of the reference fields with their description.

The customers can either choose to upload the supporting documents along with application submission or they click on the Save and Exit link. On selecting the latter option, their application is saved and an alert is generated as illustrated above in the journey.

When the customers click on the link embedded in the alert, they are redirected to the Citibank website for the further processing of their application. Refer API callout2 to update a saved application.

Customers click on Submit to submit all the details along with the documents. API callout3 is made for uploading the documents and API callout4 is made for submitting the application.

After the application is submitted successfully, the customers receive a confirmation message from Citibank with the application reference number and a link to print the application.

After submitting the application for Citi Credit Card, the customers receive an acknowledgement from the bank. The customers can check the status of their application by clicking on the provided link along with the provision to view the Product Disclosure Sheet.