Citi Cash Back Card

Make every swipe count when you apply for a Citi Cash Back Card! Earn up to 6% cash back and save as much as ₱15,000 on purchases every year.

Minimum Annual Income

P180,000

(P15,000 Monthly)

Interest Rate

Annual Fee

P4,500

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Special Promotions

Product Summary

Citi Cash Back Card

Get rebates as you spend with the Citi Cash Back Card. Earn up to 6% cash back on supermarket purchases, up to 2% cash back on Meralco bills payment via Citibank Online, and 0.20% cash back on all other purchases. Make every swipe count with your Citi Cash Back Card.

Apply until March 31, 2023, and spend at least ₱20,000 within 60 calendar days from credit card approval to get free ₱5,000 Giftaway eGCs!
Earn up to 6% cash back on groceries
Earn up to 2% cash back on Meralco bills payment via Citibank Online
Get up to 0.2% cash back on all other spend
Get cash back savings as much as ₱15,000 every year
Ideal for: cardholders looking to save on essentials
This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Existing Credit Card	Not Required
Landline number	Not Required
Age	21 to 70 years old
Minimum Annual Income	P180,000

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income	Bank statement of your Payroll Account showing your 1-month salary

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Proof of income	Latest ITR duly stamped as received by the BIR

Annual Fee	P4,500 / year
Annual Fee Waiver	Yes
Monthly Effective Interest Rate	3%
Cash Advance Monthly Effective Interest Rate	3.04%
Cash Advance Fee	P200 / %
Minimum Amount Due	P500 / %

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Why Choose Citi Cash Back Card?

During these financially challenging times, every peso saved goes a long way. That’s why the Citi Cash Back Card aims to maximize your savings with every swipe. Find out how in this short review.

Earn up to 6% cash back on select purchases

Spend more and get your cash back with the Citi Cash Back Card. From paying your utility bills to buying daily necessities, you can get cash back with every swipe by spending at least ₱10,000 per month on non-groceries and non-Meralco expenses like fuel, medicine, dining, or department store purchases.

. Here’s how much rebate you can get:

6% cash back on supermarket purchases
2% cash back on Meralco bill payments via Citibank Online
0.20% cash back on all other purchases

Save us much as ₱15,000 every year

Another great thing about the Citi Cash Back Card is that your cash back does not expire, which means you can use it anytime you want. In a statement month, you can earn rebates of up to ₱1,250. That’s as much as ₱15,000 in rebates for the whole year.

Manage your credit card with the Citi Mobile app

Redeeming your rebates is also convenient, thanks to the Citi Mobile app. From your smartphone, you can manage your credit card points, redeem exciting rewards, and access exclusive deals for Citi cardholders like you.

Is Citi Cash Back Card the Right Card for You?

If you prefer rebates over rewards, then the Citi Cash Back Card sounds like the perfect credit card for you. If you’re looking for other cash back credit cards, check out these alternatives:

HSBC Gold Visa Cash Back. If you’re looking for dining rebates, this is the credit card for you. Get 5% cash back on dining spend, 3% cash back on Caltex fuel spend, and 0.50% on all other spend.

UnionBank Gold Mastercard. Don’t want to memorize specific spend categories for your rebates? Get this credit card because every swipe earns you 1% cash back. Now that’s how you save!

BPI Amore Cashback Card. Love shopping or just hanging out at Ayala Malls? Then get this credit card! For every ₱1,000 local spend, you get up to 4% cash back on groceries. Plus, get unlimited access to customer and family lounges at Ayala Malls.

Citibank, N.A., Philippine Branch, has transferred ownership of its consumer banking business to Union Bank of the Philippines with effect from August 1, 2022. The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design, and all similar trademarks and derivations thereof are used temporarily under license by Union Bank of the Philippines from Citigroup Inc. and related group entities. This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

FAQ

Just apply for a Citi Cash Back Card on the Moneymax website. Once your credit card application is approved, spend at least ₱10,000 (single or accumulated spend) within 60 days of approval to get your chosen gift within weeks. Learn more about our promo in these Rewards FAQs.

There is a minimum spend requirement of ₱10,000 within 60 days from the card approval date to get your welcome gift from us. Once you meet the minimum spend requirement, you can expect your gift to arrive within weeks.

Upon receiving your Citi Cash Back Card, spend a single or accumulated spend of ₱20,000 within 60 days from card issuance date to redeem your free ₱5,000 eGC from Giftaway. This promo runs until March 31, 2023. Learn more about this promo here.

You will receive an SMS containing the redemption link once you meet the minimum spend. To redeem your free GC, follow these steps:
Click the link on your SMS confirmation.
Enter your email address and mobile number.
Choose your preferred Giftaway merchant.
Once redeemed, you will receive an eGift code from Giftaway.
Use the eGift code you redeemed at partner Giftaway stores.

You will receive the following cash back rates for specific purchases when you spend at least ₱10,000 every month on non-supermarket and non-Meralco expenses, such as fuel, drugstore, restaurant, or department store purchases:
6% cash back on supermarket purchases
2% cash back on Meralco payments via the Citi Mobile app
0.20% cash back for all other purchases, no minimum spend required
Rebates are capped at ₱1,250 per month and ₱15,000 per year.

After every purchase, you will receive an SMS text confirming your purchase. Click the link from the text and redeem your rebates from there. Alternatively, you can log on to the Citibank Thank You page or redeem your rebates via the Citi Mobile app.

Yes! You can convert your Citi rebate points to cash credits: You'll get ₱1 for 2 Cash Back rebates.

You would need to wait 10 banking days for Citi representatives to verify your application. Card delivery takes 5 to 7 banking days for Metro Manila and 7 to 10 banking days outside Metro Manila.