Citibank offers generous welcome gifts to entice new credit cardholders. But can exciting promos match your expectations when it comes to key benefits and privileges? Let’s find out.
Citibank doesn’t offer a lot of credit card options to Filipinos. You get to choose from seven cards based on your spending habits, annual income, and lifestyle.
Citibank has rebates, air miles, and rewards credit cards. These are the typical credit card types in the Philippines. But Citibank also offers an interest back credit card which you can rarely find in other banks.
Here’s a list Citibank credit cards for your reference and find out which one is the best or most appealing for you.
Best Citibank cards in the Philippines 2019
| Credit Card | Key Benefits |
| Citi Simplicity+ Card | 10% interest back when you pay the minimum due before or on its due date; no annual fees; no late payment charges and overlimit charges |
| Citi Cashback Card | Up to 6% cashback on groceries, 2% on Meralco bills, and 0.20% on other purchases; maximum of P1,000 rebates per monthly statement |
| Shell Citi Card | Up to 5% rebate on Shell fuel, NLEX and SLEX toll fees, and auto repairs, accessories, and services nationwide |
| Mercury Drug Citi Card | Up to 10% rebate on Mercury Drug purchases, participating hospitals; and 0.25% rebate on all other purchases |
| Citi PremierMiles | 1 Premier Mile for every P30 spend; 1 Premier Mile = 1 air mile or hotel point. NB: air miles don’t expire. |
Citi Simplicity+ Card
Credit cards aren’t just for luxury. The Citi Simplicity+ card is here to simplify your spending habits and fees. No annual fees, overlimit charges, and late payment fees when you have this card in your wallet.
Simplicity+ is ideal for shopping, dining, fuel purchases, and groceries. If you pay the minimum due before or on its due date, you’ll get 10% back on interest charges.
Rarely you will find credit cards in the Philippines that offer interest back. Most of them charge overlimit and late payment fees.
If you decide to pay for the minimum due instead of the total amount due, you can still use your cash for the next few weeks. But the key features of this card shouldn’t give you the licence to have late payments or incur other fees. Why not pay the total amount due if you can so that you don’t need to pay again the following month, right?
Key features
- 10% back on interest charge when you pay the minimum due before or on its due date
- No annual fees for life, and no late payment and overlimit fees
- Flexible 6-60 months tenor for a balance transfer
Essential info
Minimum annual income: P180,000 (for existing credit cardholder with another bank for at least 6 mos)
Minimum annual income: P250,000 (for those who have no credit card)
No annual fees
Citi Cashback Card
Compared to other cashback credit cards in the Philippines, the Citi Cashback card offers one of the highest rebate rates at 6%.
If you have predictable expenses every month and would like to get cashback, here’s a card you can count on, especially if you’re living in Metro Manila.
But just like most cashback credit cards, you have to hit the minimum spending requirement of P10,000 per month in other spending categories to enjoy the rebates, like fuel, medicines, dining, and more.
A maximum cap of P1,000 in rebates is allowed per monthly statement.
Key features
- Up to 6% cashback on groceries
- Up to 2% cashback on Meralco bills (If you settle them via Citibank Online or Citi One Bill)
- 0.20% cashback on other spending categories (dining, shopping, medicines, and others)
- P5,000 SM Gift Pass as a welcome gift (promo runs until October 31, 2019)
Essential info
Minimum annual income: P180,000 (for existing credit cardholder with another bank for at least 6 mos)
Minimum annual income: P250,000 (for those who have no credit card)
P3,500 annual fee (first year is waived)
Shell Citi Card
Shell Citi card is a motorist must-have. If you’re a loyal customer of Shell, you’ll receive up to 5% rebates on your fuel purchases.
There are great features, but you also need to spend at least P10,000 per billing cycle on other purchases like dining, shopping, travel, and more to enjoy the rebates.
If you’re always on the road, you can maximise this card all year round.
Key features
- Up to 5% rebate on Shell fuel purchases
- Up to 5% rebate on toll fees (NLEX and SLEX)
- Up to 5% rebate on auto repairs, accessories, and services nationwide
- 3% rebate on Shell fuel purchases if you spend below P10,000
- P5,000 Shell fuel rebates as a welcome gift (promo runs until Oct 31, 2019)
Essential info
Minimum annual income: P180,000 (for existing credit cardholder with another bank for at least 6 mos)
Minimum annual income: P250,000 (for those who have no credit card)
P2,500 annual fee (first year is waived)
Mercury Drug Citi Card
Here’s a credit card for health and fitness enthusiasts. It offers up to 10% rebate on Mercury drug purchases.
You can also get up to 10% rebate on your hospital bill at participating hospitals.
Just like the Citi Cash Back credit card and the Shell Citi, you must also spend at least P10,000 in other spending categories.
Of course, no one wants to get sick and spend money on medicines or hospital bills. But this card might be a good option if you or your family members are taking maintenance medications, or even vitamins and supplements.
Key features
- Up to 10% rebate on Mercury Drug purchases
- Up to 10% rebate on hospital bills from participating hospitals
- 0.25% rebate on other purchases and non-Mercury drug transactions
- Free 24/7 ambulance service worth P10,000
- P5,000 Mercury Drug rebates as a welcome gift (promo runs until Oct 31, 2019)
Essential info
Minimum annual income: P180,000 (for existing credit cardholder with another bank for at least 6 mos)
Minimum annual income: P250,000 (for those who have no credit card)
P2,500 annual fee (first year is waived)
Citi PremierMiles
Do you love to travel? Citi PremierMiles unlocks free flights, VIP access, and other privileges if you use it on shopping, travelling, and other purchases.
Earn miles fast and get 1 Premier Mile for every P30 spend. Which means a frequent flyer will surely enjoy the key features of this air miles card.
Key features
- Earn 1 PremierMile for every P30 spend
- 1 PremierMile = 1 air mile or hotel point (use points to book from over 60 airlines and 8,000 hotels)
- Points don’t expire
- Up to PHP 1 million in insurance coverage when you use the card for booking flights
- VIP access at selected airport lounges both local and overseas
- Free 30-day purchase protection from accidental loss on products charged to your PremierMiles card
- Free roundtrip ticket to Japan as a welcome gift (promo runs until Oct 31, 2019)
Essential info
Minimum annual income: P360,000 (for existing credit cardholder with another bank for at least 6 mos)
Minimum annual income: P250,000 (for those who have no credit card)
P2,500 annual fee (first year is waived)
Other Citibank credit cards in the Philippines
Citi Prestige Card – Earns you 1 Thank You point for every P30 spend; 5x points on shopping, dining, and foreign currency for local and overseas transactions; perfect for heavy spenders and travellers both here and abroad.
Citi Rewards Card – Earns you 1 point for every P30 spend; 3x points for shopping and dining; ideal for shoppers and for spending on basic needs.
Citi Grab Card – Earns you 1 point for every P30 spend; 5x points + 5x bonus points on all your Grab spend – from rides to deliveries (+5x valid until June 30, 2020); 3x points on dining, entertainment, and online subscriptions; best for urbanites and professionals working where Grab services are available.
Did you find one that you like from this list? Let us know in the comments section.