Hello Friend i have submitted my application with Citibank Credit Card, I got PER too, CIC doesn't require any OTP, U need to fill ur form with UR Credit card details including CVV number.Once u send ur application u call to Citibank and inform them about these coming transaction for ur safer side. Because some time they used to reject big amounts transaction. Thats why u need to inform bank regarding the transaction which is going to happen soon, then they will add note.Please ensure that when u fill form for CC, double check account number, cvv, name expiry date, etc..other wise one number can spoil ur hopes