From being sane Citibank just become Insane.Previously while paying online with Citibank Credit Card was easy, just needed to enter the internet banking password in place of 3D secure. But now they have made OTP mandatory and OTP is not sent but we need to request from our mobile. I tried it twice and both the times (two different days) the transaction did not go through.So if we need to transact using citi cards, we need to shell out money for sms for every transaction and which anyways did not work for me.Tried contacting them thru twitter and found out that CitiBank India does not have any presence in twitter. Its like 90s