Citibank¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 6012 | Financial Institutions – Merchandise and Services | Non-official reference (db) |
Top Miles Cards¶
No reward rows found.
Top Cashback Cards¶
No reward rows found.
Street Truth / User-Reported Exceptions¶
Citibank Korea via ATM Withdrawal: MCC 6011 (exception, user verified, risk: low)¶
User reported that for fee-free ATM cash withdrawals in South Korea using a Trust Card, users can use Citibank Korea ATMs and select the 'Citibank' option on the screen. NH Bank ATMs have started charging fees.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Citibank Korea |
| Card | Trust Link Card |
| Route | ATM Withdrawal |
| MCC | 6011 |
| Programme | Trust Bank |
| Programme type | other |
| Award route / region | South Korea |
| Fees / surcharges | Saves 4,500 to 5,000 KRW local ATM fee |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T03:30:23+00:00 |
| Observed result | Citibank Korea ATMs do not charge withdrawal fees when selecting the 'Citibank' option, whereas NH Bank ATMs now charge a fee of around 4,500 to 5,000 KRW. |
| Caveat | Users must actively select the 'Citibank' option on the ATM screen during withdrawal. Citibank ATMs are relatively rare in South Korea. |
CardUp via CardUp: MCC 6513 (exception, user verified, risk: medium)¶
User reported that cardUp payments are not affected by Citibank's exclusion categories, whereas iPaymy codes under MCC 6513 and is excluded from earning points.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | Citi credit cards |
| Route | CardUp |
| MCC | 6513 |
| Devaluation risk | medium |
| Last verified | 2018-08-08 |
| Last seen | 2018-08-08T14:55:34+00:00 |
| Observed result | CardUp confirmed unaffected by Citi exclusions; iPaymy excluded under MCC 6513 |
| Caveat | Based on August 2018 policy updates; CardUp does not earn 10x on rewards cards but still earns base miles. |