Citibank Credit Card Application: Easy 5-Step Guide

Published: February 4, 2021 | Updated: July 23, 2021 | Posted by: Venus Zoleta | Credit Card


Citibank Credit Card Application Guide | Moneymax

Citibank is known for its fast credit card approval and delivery time. It usually takes only one to two weeks to get a Citibank credit card application approved and a few days to receive your new card.

In contrast, other banks make you wait for a month or longer to process your application, and another one to two weeks to deliver the card.

Citibank also has one of the easiest credit card application systems in the Philippines. You can do a walk-in application at a Citibank branch or deal with a credit card agent. However, the simplest and most convenient way to submit a Citibank credit card application is online.

Steps to a Citibank Credit Card Online Application

citibank credit card application guide

1. Ensure You’re Eligible for a Citi Credit Card

You can apply for a Citi credit card if you meet these eligibility requirements:

  • Age 21 or older
  • Have an annual income of at least PHP 180,000 for existing cardholders or at least PHP 250,000 for first-time credit card applicants
  • Have an active landline or mobile phone number
  • A valid TIN or SSS/GSIS number is also required

Take note that Citi will accept your Citibank credit card application even if you don’t have a deposit account with the bank.

2. Prepare the Citi Credit Card Requirements

If you have a credit card with Citibank or another bank, you only need a valid government ID to push through with you Citibank credit card online application. If you don’t have a credit card yet, you need to submit a couple of documents.

Citibank Credit Card Requirements:

  • Valid government ID
  • Payslip or income tax return
  • Certificate of employment (with signature)
  • Bank statement of your payroll account that shows your one-month salary

Scan or take photos of these Citibank credit card requirements. You’ll have to upload the images later when you start your Citibank credit card application online.

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3. Choose the Right Citibank Credit Card for You

Citibank offers eight credit card types that fit different budgets and spending habits. Take a look at their features and fees and apply for a card that best suits you.

📌 Citi Simplicity+

citi simplicity+ card

  • Annual fee: No annual fee for life
  • Features: No late payment fees and overlimit fees
  • Minimum monthly income: PHP 20,833
  • Ideal for: individuals who want less card fees

📌 Citi Rewards Card

citi rewards card

  • Annual fee: PHP 2,500. No annual fee for life if you apply until March 31, 2021.
  • Features: Get 3x points on shopping and dining purchases. Non-expiring points — use your points anywhere, anytime!
  • Minimum monthly income: PHP 20,833
  • Ideal for: individuals who frequently shop and dine

📌 Citi Cash Back

citi cash back card

  • Annual fee: PHP 3,500
  • Features: Get 6% cash back on supermarket purchases, 2% cash back on bills, and 0.20% cash back on everything else.
  • Minimum monthly income: PHP 20,833
  • Ideal for: individuals looking to save money on essentials

📌 Citi Grab Card

citi grab card

  • Annual fee: Waived on the first year. PHP 2,500 after.
  • Features: Get 10x points on every PHP 30 spend and get PHP 5,000 GrabPay credits on your first PHP 10,000 spend. Plus enjoy exclusive deals on Grab rides, GrabFood, and GrabExpress.
  • Minimum monthly income: PHP 20,833
  • Ideal for: frequent users of Grab services

📌 Citi PremierMiles Card

citi premier miles

  • Annual fee: PHP 5,000
  • Features: Earn 1 PremierMile for every PHP 30 spend. Get free travel insurance coverage up to PHP 1 million.
  • Minimum monthly income: PHP 30,000
  • Ideal for: individuals who travel for leisure or business

📌 Mercury Drug Citi Card

mercury drug citi card

  • Annual fee: PHP 2,000
  • Features: Earn 5x rewards points on Mercury Drug purchases and 3x rewards points on health, beauty, and wellness spend on clinics, spas, gyms, salons, and hospitals. Plus get 24/7 ambulance service worth PHP 10,000 within Metro Manila once a year.
  • Minimum monthly income: PHP 20,833
  • Ideal for: individuals who often spend on health and wellness

📌 Shell Citi Card

shell citi card

  • Annual fee: PHP 2,500
  • Features: Get up to 5% rebate on Shell Fuel purchases, AutoSweep RFID and EasyTrip tollway load purchases, auto repairs, accessories, and car services nationwide.
  • Minimum monthly income: PHP 20,833
  • Ideal for: individuals who drive on a daily basis

📌 Citi Prestige Card

citi prestige card

  • Annual fee: PHP 12,000
  • Features: Earn 5x rewards points on shopping, dining, and foreign currency spend. Get unlimited access to over 1,000 VIP airport lounges worldwide.
  • Minimum monthly income: PHP 83,333
  • Ideal for: individuals looking for more VIP perks

Compare the benefits, rewards, annual fees, interest rates, and other features of these Citibank credit cards so that you’ll know which one suits you best.

4. Fill Out the Online Citi Credit Card Application Form

Once you’ve decided on the Citi credit card to apply for and have all the requirements ready, you can proceed with the Citibank credit card online application.

How to Apply for a Citibank Credit Card Online:

  1. Visit the online credit card application page[1]
  2. Click the “Apply Now” button next to your chosen Citi credit card. This will take you to the online application form for Citibank credit cards.
  3. Tick the appropriate responses to the questions from Citibank (“Do you have a principal credit card with another bank?”)
  4. Fill out the Citibank credit card application form. You’ll be asked to provide your contact details, personal information, and employment data.

Concerned about the security of your personal data online? Worry not because Citibank uses 256-bit encryption[2] for its online facility. This makes it hard for hackers to access your sensitive data.

When you’ve completed the form, you’ll get your qualification result online based on your responses. Citibank will let you know right away whether you can or cannot go ahead with the next step of your credit card application process.

5. Submit Your Supporting Documents

If you’re qualified, the next step is to upload the images of your income documents on Citi’s online application facility.

When you’re done, all you have to do is to wait for five to seven banking days for Citibank to verify the documents you’ve sent and to approve your application. You’ll receive your Citi credit card in around four days.

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How Can I Check My Citibank Credit Card Application Status?

Follow these steps to check the status of your Citi credit card application.

  1. Call the Citibank credit card customer care hotline: 995 9999.
  2. Press *2.
  3. Press 1.
  4. Key in your application ID or TIN.
  5. Press #.

Final Thoughts

Applying for a Citibank credit card is fast and easy as long as you meet all requirements and follow the Citibank credit card application steps correctly. Good luck and use your credit card wisely!

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