Published: October 22, 2020 | Updated: October 26, 2020 | Posted by: Ricky Publico | Credit Card
Do you use any one of Grab’s booking services on a daily basis? Then you’ll love this week’s edition of Moneymax Reviews. We’re putting Grab’s official co-branded credit card under the microscope in this Citi Grab Credit Card review. Can this credit card live up to the expectations of Grab enthusiasts?
From exciting rewards to generous welcome gifts, Citi Grab Credit Card promises to be a reward-heavy credit card even non-Grab users will appreciate. Learn more about it in our in-depth review.
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The Citi Grab Credit Card is the perfect credit card if Grab services are integral part of your daily life. Whether you’re booking rides, food take-outs, or groceries, this credit card will maximize your use of the Grab app. But first, let’s talk about the welcome gifts because there’s a lot.
You don’t even need to get approved to receive some perks. All you need to do is complete the application process and you get 50 GrabRewards points within 15 business days. No need to go to any Citibank branch to apply. Just head to the Citi Grab Credit Card’s application page, enter your personal information, and submit the requirements completely online.
Once approved, your Grab account will be upgraded to Platinum Tier for the first six (6) months. That means you get to enjoy prioritized booking on all your Grab bookings and a dedicated hotline for Platinum users. Receive your upgrade within 15 business days as well.
Now that you have your Citi Grab Credit Card, it’s time to swipe responsibly. Rack up a total of PHP 10,000 spend within 60 days from card receipt and you’ll receive a whopping PHP 5,000 GrabPay credits. You have to hurry though because you only have until December 31, 2020 to avail this welcome gift. Don’t worry, you’ll still get PHP 2,500 from January 1, 2021 onwards.
By now, you should know how to use GrabPay. Because now that you have a Citi Grab Credit Card, you can use it to add funds to your GrabPay wallet. Just know that cashing in at least PHP 1,000 using your Grab credit card will score you Grab vouchers worth PHP 2,000. These vouchers will be split between GrabFood and GrabExpress and will be credited within 15 business days.
Every PHP 30 spend earns you one (1) Citi Point. Multiply your points by 10 when you use your Citi Grab Credit Card on Grab services with a cap of PHP 10,000 a month. You also get 3x Citi Points on dining and entertainment spend, as well as online subscriptions. Curious what your Citi Points can get you? Here’s how you can use your points to your advantage.
|Grab Ride Discounts||10 Citi Points = PHP 1||Minimum redemption of PHP 100 or 1,000 Citi Points|
|Cash Credits||10 Citi Points = PHP 1||Minimum redemption of PHP 1,000 or 10,000 Citi Points|
|GrabRewards Points||2 Citi Points = 1 GrabReward Point||Use it to redeem anything in the GrabRewards catalogue|
As if the Grab-related rewards aren’t enough, the Citi Grab Credit Card hits you with other helpful perks. Because it is a card powered by Citibank, you can also enjoy all the benefits available to all Citibank credit cards.
Citibank credit cards allow you to avail exclusive promos and deals across Citibank’s partner establishments in over 90 countries worldwide. Enjoy up to 50% discount on dining, travel, and hotel accommodations here and abroad.
Need to pay for big-ticket items worth PHP 3,000 and up? Your Citi Grab Credit Card can make your payments easier via Citi PayLite. Choose between 3, 6, 9, 12, 18, and 24 monthly installments and experience a more flexible method of paying any big spend. Use it to pay off utility bills, medical expenses, tuition fees, and other emergency expenses.
To help you manage your credit card better, download the Citi Mobile App and take control using your smartphone. Check and settle your credit card balance, manage your credit card settings, avail installment plans, and make all your credit card-related transactions in just a few taps.
If this Citi Grab Credit Card review taught you anything, it’s that co-branded credit cards exist and they’re actually pretty handy. While Foodpanda or other ride-sharing and food delivery apps don’t have a dedicated credit card yet, you might want to check out other co-branded cards out there.
Citibank has two other branded credit cards worth checking out: Shell Citi Card and Mercury Drug Citi Card. Shell Citi Card earns you up to 5% cash back on Shell fuel purchases, toll fees, and auto repairs, while Mercury Drug Citi Card earns you 5x Citi Points on health, beauty and wellness spend, 3x Citi Points on oreign currency spend, and one (1) Citi Point for every PHP 200 spend anywhere.
Step out of Citibank’s scope and you’ll find a whole lot of co-branded credit cards from Unionbank. Take the Unionbank Lazada Credit Card for instance, a card that earns you 6x Lazada Credits for every purchase from the Lazada app. Meanwhile, the UnionBank Cebu Pacific GetGo credit card earns you one (1) GetGo Point for every PHP 30, which can then be converted to air miles.
And just like that, another credit card is in the books. Is the Citi Grab Credit Card starting to look good to you? Consider their welcome promos and rewards program before signing up. We hope you enjoyed our Citi Grab Credit Card review. Any request for the next one? Tell us what you want to see next on our next Moneymax Reviews!
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Ricky is the zaniest Senior Content Writer at Moneymax, with over five years of writing experience in the digital marketing industry. He is a huge fan of pro wrestling, smartphones, and binge-watching. Follow Ricky on LinkedIn.