Quick Cash

Accounts

Quick Cash

Enjoy the benefits of readily available cash from the available credit limit on your Citi credit card. Convert your unutilized credit limit to cash on either your preferred Citi account or an account from another bank.

Singapore

Convert your credit into cash

Customers can leverage the Citibank's Quick Cash feature to convert their unutilized credit limit into cash in their Citi account or in a bank account from another bank of their choice.
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Secure identification

Customers can enroll for a Quick Cash loan by registering with their preferred Citi credit card. This allows them to verify their identity without compromising on their security. 

 

Refer to API Callout 1 to find out how to generate a card access token.

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API(s) Callout

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Enroll and Generate Card Access Token

This API is used to enroll the customer to avail services like Cash on Loan, Rewards Redemption and EPP from the partner's site through a common registration.

A one-time password is sent to the customer's registered mobile number. The customer completes his registration by validating the one-time password and receives a notification from the bank after the successful registration.

Endpoint

Singapore : POST /cardAuth/oauth2/authorize/{countryCode}/{businessCode}

Parameters

PATH

countryCode

businessCode

Body

lastFourDigitsCardNumber
citiCardHolderPhoneNumber
merchantCustomerReferenceId
grant_type

Customers validate the one-time password

Customers complete their registration by validating the one-time password sent to their Citi-registered mobile number. They’ll receive a notification from their bank after a successful registration.

 

Once customers validate their one-time password for one-time registration, the range of loan amounts they are eligible for is calculated and displayed so that the customer can choose their desired amount from within that range.

 

Refer to API Callout 1 to find out how to activate an card access token and API Callout 2 for information on loan eligibility.

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API(s) Callout

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Activate Card Access Token 

This API activates a customer's access token. Separate token activation is required for each credit card held by the customer.

Endpoint

Singapore: POST  /cardAuth/oauth2/token/{countryCode}/{businessCode}

Parameters

PATH

countryCode

businessCode

Body

controlFlowId
linkageConfirmationCode

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LoanEligibility

This API is triggered to check eligibility for Loan Offer for a customer.

Endpoint

Singapore : GET /v1/accounts/loans/eligibility

Parameters

PATH

NA

Display of eligible loan amounts and interest rates

Upon selection of a loan amount, various interest rates and tenors are offered to customers. Customers can choose the payment plan of their convenience.

Once the payment plan is selected, the available disbursement options are displayed to the customer.

 

Refer to API Callout 1 for loan booking plan details and API Callout 2 for the loan disbursement option.

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API(s) Callout

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Loan BookingPlans

This API lists the options for loan booking plans that the customer can avail for credit card loan repayments. It provides the applicable interest rate, tenor, installment amount and fees.

Endpoint

Singapore : GET /v1/accounts/{accountId}/loans/{loanAmount}/paymentsPlans

Parameters

PATH

accountId
loanAmount

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Disbursement Options

This API is used to get the list of eligible disbursement options like cheque, personal account and external bank account etc.

Endpoint

Singapore : GET /v1/accounts/{accountId}/loans/disbursementOptions

Parameters

PATH

accountId

Selection of disbursement option

Customers can either select their Citibank account or a bank account from another bank of their choice. 

 

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Confirm cash loan details

Customer can review their cash loan details and agree to the Terms and Conditions to proceed with the loan booking. 
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Understanding interest rates

Customers can refer to the information displayed that explains the Effective Interest Rates(EIR)applicable to the program, and can then click 'Agree' to provide their consent.

 

Refer to API Callout 1 for Quick Cash loan booking.

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API(s) Callout

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Loan Booking

This API is used to book the loan with the plan selected by the customer. After the successful loan booking, a reference number is sent to the customer.

Endpoint

Singapore : GET /v1/accounts/{accountId}/loans/bookings

Parameters

PATH

accountId

Customers validate the one-time password

To proceed with loan booking, customers need to validate the one-time password sent to their registered mobile number. 

 

Refer to:

  • API Callout 1 for how to retrieve the public key used for encryption.
  • API Callout 2 for how to validate the one time password.
  • API Callout 3 for how to re-generate and send the one time password.
  • API Callout 4 for how to confirm the authorization of a purchase done using card.

In an ideal scenario, APIs 1, 2, and 4 would be called.

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API(s) Callout

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E2E Public Key Modulas and exponent

This API is used by browser based applications for retrieving the public key used for encryption. It returns the modulus and exponent for setting up a business public key. This is a post login API.

Endpoint

Singapore : GET /v1/security/e2ekey

Parameters

PATH

NA

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Validate OTP

This API validates the OTP token submitted by customer.

 

Endpoint

Singapore : PUT /v1/mfa/otp

Parameters

PATH

N/A

Body

ValidateOTPRequest

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Generate and Send OTP

This API allows you to generate the one time password and delivers to customer.

 

Endpoint

Singapore : POST /v1/mfa/otp

Parameters

PATH

N/A

Body

GenerateOTPRequest

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Loan Booking Confirmation

This API is triggered once request of loan booking is placed.On successful OTP validation , loan gets booked.

Endpoint

Singapore : GET /v1/accounts/{accountId}/loans/confirmation

Parameters

accountId

Cash loan confirmation

Customers receive a confirmation message with loan details and a reference number once their request is submitted successfully.
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