citibank cashback card

Citi Cash Back Card

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Special Promotions

Choose a gift: Apple AirPods 2 or ₱5,000 GCash

Apply for a Citi credit card and receive your chosen welcome gift when you get approved. Choose between Apple AirPods 2 worth ₱7,690 or GCash credits worth ₱5,000. 

Promo runs from July 1 to 7, 2022. Per DTI Fair Trade No. FTEB-146474. Series of 2022. See full terms here. Want to learn more about your reward's delivery time and more? Check out our FAQs.

Disclaimer: Promo is only valid for first-time Citibank cardholders with no pending credit card application within the last 6 months.

Product Summary

citibank cashback card

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 Citi Mobile, and 0.20% cash back on all other purchases. Make every swipe count with your Citi Cash Back Card.

  • Free ₱5,000 SM Gift Pass eGift for new cardholders
  • Earn up to 6% cash back on groceries
  • Earn up to 2% cash back on Meralco bills payment via Citi Mobile
  • Enjoy deals and discounts locally and in 90 other countries
  • Ideal for: cardholders looking to save on essentials
Existing Credit CardNot Required
Landline numberRequired
Age21 to 70 years old
Minimum Annual IncomeP180,000
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Annual FeeP4,500 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Monthly Effective Interest Rate2.04%
Cash Advance Fee P200 / %
Minimum Amount Due P500 / %

Is this the right product for you?

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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. 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 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, plus 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 discounts at Ayala Mall partner merchants nationwide.


Just apply for a Citi Cash Back Card on the Moneymax website. After choosing a gift and completing the form, you will be redirected to the Citi website. Complete your application from there and just wait for Citi’s approval. Once approved, just wait for your gift to arrive within weeks. Learn more about our promo in these Rewards FAQs.

Your welcome gift from Moneymax doesn’t require a minimum spend! Once your application is approved and your credit card is delivered, expect to receive your gift 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 SM Gift Pass eGC. This promo runs until July 31, 2022. 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:

  1. Click the link on your SMS confirmation.
  2. Enter your email address and mobile number.
  3. Choose your preferred Giftaway merchant.
  4. Once redeemed, you will receive an eGift code from Giftaway.
  5. Use the eGift code you redeemed at partner Giftaway stores.

You will receive the following cash back rates for specific purchases:

  • 6% cash back on supermarket purchases for a minimum spend of ₱10,000
  • 2% cash back on Meralco payments via Citi Mobile app for a minimum spend of ₱10,000
  • 0.20% cash back for all other purchases, no minimum spend required

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: 2 rebate points = ₱1.

It will take Citibank 10 banking days from the time you submitted the required documents to approve your application.


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