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Earn 10X reward points at departmental and apparel stores (physical or online) Earn minimum* 1 reward point for every ₹125 spent on the card. NOTE: 1 space only between. Enter the One-time Password (OTP) from the SMS. CitiDirect® offers a mobile experience for payment review, authorization, initiation, and release. It also lets you make online payments, transfer funds to other accounts and deposit checks through the Citi ® Mobile app. Citibank will advise you via email when your account has been opened. The Citibank One-Time PIN (OTP) The Citibank One-Time PIN is a unique single use PIN which can be generated through the Citi Mobile Application, or sent as an SMS to your mobile phone. iRM on Citi Mobile App - Select,Invest and Monitor Funds online. An SMS will be automatically sent from your Android device to verify your details. Enjoy banking on your Android smartphone. 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