Bianca Smith, WalletHub Credit Cards Analyst
Citi cards start with 5 or 4 in most cases, depending on whether the Citi card is on the Visa or Mastercard network. Store cards issued by Citibank will begin with a different number, since they are not associated with any major payment network.
Following the first digit in a Citi credit card number, you’ll find the “Issuer Identification Number” (IIN). Citibank uses over 70 individual Issuer Identification Numbers, also known as Bank Identification Numbers. Cards issued in the same region typically have the same IIN.
Citi card numbers are usually made up of 16 digits. The last 10 digits are used to identify and verify each individual account. To learn more, you can read WalletHub’s guide on Credit Card Numbers.
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