SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K


                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934



         Date of Report (Date of earliest event reported): April 15, 1996
                          ----------------------------


                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        NATIONAL  CREDIT CARD TRUST 1989-4
           (Issuer in respect of the National Credit Card Trust 1989-4
                  9.45% Credit Card Participation Certificates
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)



         UNITED  STATES OF  AMERICA                           33-28978
     (State or other  jurisdiction  of                  (Commission File No.)
               incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)

       701 EAST 60TH STREET, NORTH
         SIOUX FALLS, SOUTH DAKOTA                            57117
    (Address of principal executive offices)               (Zip Code)


        Registrant's telephone number, including area code (605) 331-2626


                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                       1
<PAGE>

ITEM 5.  OTHER EVENTS.

     Set  forth  below  is the  Certificateholder's  Statement  relating  to the
Distribution  Date  occurring  on April  15,  1996 and the  related  Due  Period
delivered pursuant to Section 5.02 of the Pooling and Servicing  Agreement dated
as of June 15, 1989 (the "Pooling  Agreement")  relating to National Credit Card
Trust  1989-4 among  Citibank  (South  Dakota),  N.A.,  as Seller and  Servicer,
Citibank (Nevada),  National  Association,  as Seller, and Yasuda Bank and Trust
Company  (U.S.A.),  as  Trustee.  The  Certificateholder's   Statement  contains
information relating to the distribution to Certificateholders on the referenced
Distribution  Date as well as information  relating to the  Receivables  and the
Accounts from which the Receivables have arisen.  Capitalized terms used but not
defined herein have the meanings set forth in the Pooling Agreement.
                                       2
<PAGE>

                          CERTIFICATEHOLDER'S STATEMENT

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

--------------------------------------------------------------------------------
                        NATIONAL CREDIT CARD TRUST 1989-4
--------------------------------------------------------------------------------

          Under the Pooling and Servicing  Agreement (the "Pooling and Servicing
  Agreement")  dated as of June 15, 1989, by and among Citibank  (South Dakota),
  N.A., as Seller and Servicer,  Citibank  (Nevada),  National  Association,  as
  Seller and Yasuda Bank and Trust Company, as Trustee, the Servicer is required
  to prepare certain  information each month regarding current  distributions to
  Certificate-  holders and the  performance  of the National  Credit Card Trust
  1989-4 (the  "Trust")  during the previous  month.  The  information  which is
  required to be prepared  with  respect to the  distribution  on April 15, 1996
  Distribution Date ("Distribution Date") and with respect to the performance of
  the Trust  during the Due  Period(s)  with respect to such Payment Date is set
  forth  below.  Certain  of the  information  is  presented  on the basis of an
  original principal amount of $1,000 per Certificate. Certain other information
  is  presented  based on the  aggregate  amounts for the Trust as a whole.  All
  capitalized terms used herein shall have the respective  meanings set forth in
  the Pooling and Servicing Agreement.

  A.    Information Regarding Distributions to Certificateholders
        (Stated on the Basis of $1,000 Current Invested Amount).

    1.  The total amount of the distribution to
        Certificateholders on the Distribution
        Date, per $1,000 interest..........................$         118.986

    2.  The amount of the distribution set forth
        in paragraph 1 above in respect of principal
        on the Investor Certificates, per $1,000
        interest...........................................$         111.111

    3.  The amount of the distribution set forth
        in paragraph 1 above in respect of interest
        on the Investor Certificates, per $1,000
        interest...........................................$           7.875

  B.    Information Regarding the Performance of the Trust

    1.  Collections of Receivables.

        (a)  The aggregate amount of Collections of
             Receivables processed during the Due
             Period(s) with respect to the Distribution
             Date..........................................$    142,880,658

        (b)  The aggregate amount of Collections of
             Receivables in respect of Finance Charge
             Receivables processed during the Due




                                       3
<PAGE>



             Period(s) with respect to the Distribution
             Date..........................................$     15,406,725  [1]

        (c)  The aggregate  amount of  Collections  of 
             Receivables in respect of Principal
             Receivables processed  during  the Due
             Period(s)  with respect to the Distribution
             Date..........................................$    127,473,934  [2]

    2.  Allocation of Receivables.

         (a)  The Floating Allocation Percentage
              for the Due Period(s) with respect
              to the Distribution Date......................     70.1592    %

         (b)  The Fixed Allocation Percentage...............     82.193     %[3]

    ------------------------------------------------------------

    [1] Includes Interchange and Recoveries.

    [2] During  the  Revolving  Period,  this  amount  (or the  portion  thereof
        received prior to the occurrence of an Amortization  Event) will be paid
        solely to the holders of the Seller Certificate.

    [3] Applicable during the Accumulation Period and any Early
        Amortization Period.




                                       4
<PAGE>


    3.  Delinquent Balances.

        (a)  The  aggregate  outstanding  balance  of the
             Accounts  which  were delinquent by 35 days
             to 64 days as of the close of business on 
             the last day of the calendar month preceding
             the Distribution Date.........................$     18,118,987

        (b)  The  aggregate  outstanding  balance  of the
             Accounts  which  were delinquent  by 65
             days or more as of the close of  business  
             on the last day of the calendar month
             preceding the Distribution Date...............$     27,752,075

    4.  Investor Default Amount.

        The aggregate Investor Default Amount for
        the Distribution Date..............................$      2,381,762

    5.  Investor Charge-Offs; Reimbursement of Charge-Offs.

        (a)  The Draw Amount, if any, for the Distri-
             bution Date.  The Draw Amount for any
             Distribution Date is equal to the amount
             by which Monthly Interest plus the
             Investor Default Amount for such Distri-
             bution Date exceeds the Floating
             Allocation Percentage of Collection
             in respect of Finance Charge Receivables
             deposited in the Collections Account for
             the Due Period preceding such Distribution
             Date..........................................$              0

        (b)  The Investor Charge-Offs, if any, for the
             Distribution Date.  The Investor Charge-
             Offs for any Distribution Date are equal
             to the excess of the Draw Amount for
             such Distribution Date over the Available
             L/C Amount on such Distribution Date..........$              0

        (c)  The  amount  of the  Investor  Charge-Offs 
             set  forth in Item 6(b) above, per $1,000
             interest (which will have the effect of 
             reducing, pro rata, the amount of each
             Investor Certificateholder's investment)......$              0

        (d)  The total amount reimbursed to the Trust
             for such Distribution Date in respect of
             Investor Charge-Offs..........................$              0

        (e)  The amount set forth in Item 5(d) above, 
             per $1,000 interest (which will have the 
             effect of  increasing,  pro rata, the amount 
             of each Investor Certificateholder's
             investment)...................................$              0

        (f)  The amount, if any, by which the outstanding




                                       5
<PAGE>



             principal balance of the Investor Certificate
             exceeds the Invested Amount as of the end of
             the day on the Record Date with respect to
             the Distribution Date.........................$              0

    6.  Investor Servicing Fee.

        The aggregate amount of the Monthly Servicing
        Fee payable by the Trust to the Servicer for
        the Distribution Date..............................$      1,643,056

    7.  Available L/C Amount.

        (a)  The amount  available to be drawn under
             the L/C (the "Available L/C Amount")
             as of the close of business  on such
             Distribution  Date, after giving effect
             to any drawings on the L/C and payments
             to the L/C Issuer on such Distribution Date...$     69,712,500

        (b)  The ratio of the Available L/C Amount
             to the Invested Amount, (less the
             aggregate principal amount on deposit
             in the Principal Funding Account) as
             of the close of business on such
             Distribution Date, after giving
             effect to any drawings on the L/C
             and payments to the L/C Issuer on
             such Distribution Date.........................      12.375%

    8.  The existing Deficit Controlled Amortization
        Amount for such Distribution Date..................$       N/A       [5]


  C.    The Pool Factor.

        The Pool Factor for the preceding  Record 
        Date  represents  the ratio of the Invested 
        Amount as of such Record Date (adjusted
        after taking into account any  reduction
        in the  Invested  Amount which will occur 
        on the following  Distribution Date) 
        to the Initial Invested Amount. The 
        amount of a  Certificateholder's  pro 
        rata share of the Invested  Amount can
        be determined  by  multiplying  the original 
        denomination  of the holder's Certificate
        by the Pool Factor..................................      66.67     %

  D.    Receivables Balances.

    1.  The aggregate amount of Principal
        Receivables in the Trust at the close
        of business on the last day of the
        preceding Due Period...............................$    990,913,529

    2.  The aggregate amount of Finance Charge
        Receivables in the Trust at the close of
        business on the last day of the preceding
        Due Period.........................................$     14,292,486



                                       6
<PAGE>
                                                 CITIBANK, N.A.,
                                                 as Paying Agent



                                         By:  /s/Susan Sexton
                                              -------------
                                              Name:Susan Sexton
                                              Title:Vice President


 [4]  Applicable during the Accumulation Period.


                                       7
<PAGE>

                                   SIGNATURES

              Pursuant to the  requirements  of the  Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.


                              CITIBANK (SOUTH DAKOTA), N.A.,
                              as Servicer
                              National Credit Card Trust 1989-4



                              By:  /s/ Eugene D. Rowenhorst
                                   ----------------------------
                                    Eugene D. Rowenhorst
                                    Senior Vice President
Dated: July 16, 1996


                                       9
<PAGE>
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SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                              --------------------

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported): April 15, 1996
                          ----------------------------

                          CITIBANK (SOUTH DAKOTA), N.A.
                                  ON BEHALF OF
                        NATIONAL  CREDIT CARD TRUST 1989-4
           (Issuer in respect of the National Credit Card Trust 1989-4
                  9.45% Credit Card Participation Certificates
                       (collectively, the "Certificates"))

               (Exact name of registrant as specified in charter)

         UNITED  STATES OF  AMERICA                           33-28978
     (State or other  jurisdiction  of                  (Commission File No.)
               incorporation)

                                   46-0358360
                      (I.R.S. Employer Identification No.)

       701 EAST 60TH STREET, NORTH
         SIOUX FALLS, SOUTH DAKOTA                            57117
    (Address of principal executive offices)               (Zip Code)

        Registrant's telephone number, including area code (605) 331-2626

                                 NOT APPLICABLE
          (Former name or former address, if changed since last report)

                                       1
ITEM 5.  OTHER EVENTS.

     Set  forth  below  is the  Certificateholder's  Statement  relating  to the
Distribution  Date  occurring  on April  15,  1996 and the  related  Due  Period
delivered pursuant to Section 5.02 of the Pooling and Servicing  Agreement dated
as of June 15, 1989 (the "Pooling  Agreement")  relating to National Credit Card
Trust  1989-4 among  Citibank  (South  Dakota),  N.A.,  as Seller and  Servicer,
Citibank (Nevada),  National  Association,  as Seller, and Yasuda Bank and Trust
Company  (U.S.A.),  as  Trustee.  The  Certificateholder's   Statement  contains
information relating to the distribution to Certificateholders on the referenced
Distribution  Date as well as information  relating to the  Receivables  and the
Accounts from which the Receivables have arisen.  Capitalized terms used but not
defined herein have the meanings set forth in the Pooling Agreement.
                                       2
CERTIFICATEHOLDER'S STATEMENT

                          CITIBANK (SOUTH DAKOTA), N.A.
                     CITIBANK (NEVADA), NATIONAL ASSOCIATION

--------------------------------------------------------------------------------
                        NATIONAL CREDIT CARD TRUST 1989-4
--------------------------------------------------------------------------------

          Under the Pooling and Servicing  Agreement (the "Pooling and Servicing
  Agreement")  dated as of June 15, 1989, by and among Citibank  (South Dakota),
  N.A., as Seller and Servicer,  Citibank  (Nevada),  National  Association,  as
  Seller and Yasuda Bank and Trust Company, as Trustee, the Servicer is required
  to prepare certain  information each month regarding current  distributions to
  Certificate-  holders and the  performance  of the National  Credit Card Trust
  1989-4 (the  "Trust")  during the previous  month.  The  information  which is
  required to be prepared  with  respect to the  distribution  on April 15, 1996
  Distribution Date ("Distribution Date") and with respect to the performance of
  the Trust  during the Due  Period(s)  with respect to such Payment Date is set
  forth  below.  Certain  of the  information  is  presented  on the basis of an
  original principal amount of $1,000 per Certificate. Certain other information
  is  presented  based on the  aggregate  amounts for the Trust as a whole.  All
  capitalized terms used herein shall have the respective  meanings set forth in
  the Pooling and Servicing Agreement.

  A.    Information Regarding Distributions to Certificateholders
        (Stated on the Basis of $1,000 Current Invested Amount).

    1.  The total amount of the distribution to
        Certificateholders on the Distribution
        Date, per $1,000 interest..........................$         118.986

    2.  The amount of the distribution set forth
        in paragraph 1 above in respect of principal
        on the Investor Certificates, per $1,000
        interest...........................................$         111.111

    3.  The amount of the distribution set forth
        in paragraph 1 above in respect of interest
        on the Investor Certificates, per $1,000
        interest...........................................$           7.875

  B.    Information Regarding the Performance of the Trust

    1.  Collections of Receivables.

        (a)  The aggregate amount of Collections of
             Receivables processed during the Due
             Period(s) with respect to the Distribution
             Date..........................................$    142,880,658

        (b)  The aggregate amount of Collections of
             Receivables in respect of Finance Charge
             Receivables processed during the Due

                                       3
Period(s) with respect to the Distribution
             Date..........................................$     15,406,725  [1]

        (c)  The aggregate  amount of  Collections  of 
             Receivables in respect of Principal
             Receivables processed  during  the Due
             Period(s)  with respect to the Distribution
             Date..........................................$    127,473,934  [2]

    2.  Allocation of Receivables.

         (a)  The Floating Allocation Percentage
              for the Due Period(s) with respect
              to the Distribution Date......................     70.1592    %

         (b)  The Fixed Allocation Percentage...............     82.193     %[3]

    ------------------------------------------------------------

    [1] Includes Interchange and Recoveries.

    [2] During  the  Revolving  Period,  this  amount  (or the  portion  thereof
        received prior to the occurrence of an Amortization  Event) will be paid
        solely to the holders of the Seller Certificate.

    [3] Applicable during the Accumulation Period and any Early
        Amortization Period.

                                       4
3.  Delinquent Balances.

        (a)  The  aggregate  outstanding  balance  of the
             Accounts  which  were delinquent by 35 days
             to 64 days as of the close of business on 
             the last day of the calendar month preceding
             the Distribution Date.........................$     18,118,987

        (b)  The  aggregate  outstanding  balance  of the
             Accounts  which  were delinquent  by 65
             days or more as of the close of  business  
             on the last day of the calendar month
             preceding the Distribution Date...............$     27,752,075

    4.  Investor Default Amount.

        The aggregate Investor Default Amount for
        the Distribution Date..............................$      2,381,762

    5.  Investor Charge-Offs; Reimbursement of Charge-Offs.

        (a)  The Draw Amount, if any, for the Distri-
             bution Date.  The Draw Amount for any
             Distribution Date is equal to the amount
             by which Monthly Interest plus the
             Investor Default Amount for such Distri-
             bution Date exceeds the Floating
             Allocation Percentage of Collection
             in respect of Finance Charge Receivables
             deposited in the Collections Account for
             the Due Period preceding such Distribution
             Date..........................................$              0

        (b)  The Investor Charge-Offs, if any, for the
             Distribution Date.  The Investor Charge-
             Offs for any Distribution Date are equal
             to the excess of the Draw Amount for
             such Distribution Date over the Available
             L/C Amount on such Distribution Date..........$              0

        (c)  The  amount  of the  Investor  Charge-Offs 
             set  forth in Item 6(b) above, per $1,000
             interest (which will have the effect of 
             reducing, pro rata, the amount of each
             Investor Certificateholder's investment)......$              0

        (d)  The total amount reimbursed to the Trust
             for such Distribution Date in respect of
             Investor Charge-Offs..........................$              0

        (e)  The amount set forth in Item 5(d) above, 
             per $1,000 interest (which will have the 
             effect of  increasing,  pro rata, the amount 
             of each Investor Certificateholder's
             investment)...................................$              0

        (f)  The amount, if any, by which the outstanding

                                       5
principal balance of the Investor Certificate
             exceeds the Invested Amount as of the end of
             the day on the Record Date with respect to
             the Distribution Date.........................$              0

    6.  Investor Servicing Fee.

        The aggregate amount of the Monthly Servicing
        Fee payable by the Trust to the Servicer for
        the Distribution Date..............................$      1,643,056

    7.  Available L/C Amount.

        (a)  The amount  available to be drawn under
             the L/C (the "Available L/C Amount")
             as of the close of business  on such
             Distribution  Date, after giving effect
             to any drawings on the L/C and payments
             to the L/C Issuer on such Distribution Date...$     69,712,500

        (b)  The ratio of the Available L/C Amount
             to the Invested Amount, (less the
             aggregate principal amount on deposit
             in the Principal Funding Account) as
             of the close of business on such
             Distribution Date, after giving
             effect to any drawings on the L/C
             and payments to the L/C Issuer on
             such Distribution Date.........................      12.375%

    8.  The existing Deficit Controlled Amortization
        Amount for such Distribution Date..................$       N/A       [5]

  C.    The Pool Factor.

        The Pool Factor for the preceding  Record 
        Date  represents  the ratio of the Invested 
        Amount as of such Record Date (adjusted
        after taking into account any  reduction
        in the  Invested  Amount which will occur 
        on the following  Distribution Date) 
        to the Initial Invested Amount. The 
        amount of a  Certificateholder's  pro 
        rata share of the Invested  Amount can
        be determined  by  multiplying  the original 
        denomination  of the holder's Certificate
        by the Pool Factor..................................      66.67     %

  D.    Receivables Balances.

    1.  The aggregate amount of Principal
        Receivables in the Trust at the close
        of business on the last day of the
        preceding Due Period...............................$    990,913,529

    2.  The aggregate amount of Finance Charge
        Receivables in the Trust at the close of
        business on the last day of the preceding
        Due Period.........................................$     14,292,486

                                       6
CITIBANK, N.A.,
                                                 as Paying Agent

                                         By:  /s/Susan Sexton
                                              -------------
                                              Name:Susan Sexton
                                              Title:Vice President

 [4]  Applicable during the Accumulation Period.

                                       7
SIGNATURES

              Pursuant to the  requirements  of the  Securities  Exchange Act of
1934,  the  registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                              CITIBANK (SOUTH DAKOTA), N.A.,
                              as Servicer
                              National Credit Card Trust 1989-4

                              By:  /s/ Eugene D. Rowenhorst
                                   ----------------------------
                                    Eugene D. Rowenhorst
                                    Senior Vice President
Dated: July 16, 1996

                                       9