Citi Rewards Card

Make shopping more rewarding with a Citi Rewards Card! Earn 3x rewards points when you shop and dine using your credit card. Plus, enjoy exclusive deals and discounts from Citi!

Minimum Annual Income

P180,000

(P15,000 Monthly)

Interest Rate

Annual Fee

P2,500

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Product Summary

Citi Rewards Card

Apply for a Citi Rewards Card today and upgrade your credit card experience. Get 3x reward points for every dining and shopping purchase made using your credit card. Plus, earn a point for every ₱30 spend and enjoy promotions and deals with partner merchants!

Apply until June 30, 2023 and spend at least ₱20,000 within 60 calendar days from credit card approval to waive your annual fee
Earn 3x non-expiring reward points when you shop and dine
Earn 1 non-expiring reward point for every ₱30 spend
Ideal for: cardholders who frequently shop online and in-store
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
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income	Bank statement showing your one-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	P2,500 / year
Annual Fee Waiver	Yes
Monthly Effective Interest Rate	3%
Cash Advance Monthly Effective Interest Rate	3.04%
Minimum Amount Due	P500 / %
Cash Advance Fee	P200 / %

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Why Choose Citi Rewards Card?

For people who love to receive something with their every purchase, a credit card that’s all about rewards is a perfect choice. So does the Citi Rewards Card fit the bill? Find out in this short review.

3x reward points for shopping and dining

Shop at your favorite stores, dine at your favorite restaurants, and get rewarded for it when you use your Citi Rewards Card. Because every swipe from any of these spending categories earns you 3x reward points. So shop and dine away to earn the best rewards out there!

Earn 1 reward point for every ₱30 spend

For every other spend category, each swipe on your Citi Rewards Card is still rewarding because you earn one reward point for every ₱30 spend. Yes, even your daily food delivery bookings and online shopping sprees will earn you more reward points in no time.

Enjoy exclusive Citi rewards all year round

There’s always a discount or a deal when you’re a Citi Rewards credit cardholder, which makes owning this card so much more worth it. With its many rewards and perks, you can look forward to reaping the rewards that are best suited for your lifestyle.

Once you have saved up enough reward points, use them to pay for your weekend shopping sprees, movie tickets at your nearest cinema, or date nights at your favorite restaurant. You can also redeem free flights by redeeming Cebu Pacific Go Reward points.

More importantly, you can use your points to pay for your credit card purchases. Use your Citi Rewards Card as often as you want and rack up those points. There’s no limit to how many points you can earn and there’s no expiration date.

Is Citi Rewards Card the Right Card for You?

The Citi Rewards Card is designed for people who like rewards for purchases. But if you’re somehow unsatisfied with this credit card’s rewards, check out some alternatives:

Citi PremierMiles Card. Want more travel rewards with your Citi credit card? Then this one’s for you. Earn 1 PremierMile for every ₱30 spend and use your miles to book free flights or redeem cash credits.

HSBC Red Mastercard. There’s no better choice for your second credit card than HSBC Red Mastercard. Earn 4x reward points for shopping, dining, online, and overseas spend.

RCBC Flex Gold Visa. Want to double your rewards on specific spend categories? With this card, you can earn 2x reward points for three preferred spend categories: grocery, gas, travel, department store, or household appliances.

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

All you have to do is apply for a Citi Rewards 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. To learn more about our rewards, check our 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.

Once you receive your Citi Rewards Card, make a single or accumulated spend of ₱20,000 within 60 days from card issuance to enjoy no annual fees for life. This promo runs until March 31, 2023. Learn more about this promo here.

Once you meet the minimum spend, you will receive an SMS confirming that you can now enjoy no annual fees with your Citi Rewards Card.

Earn one point for every ₱30 spend and get 3x points when you use your Citi Rewards Card at shopping boutiques, department stores, and restaurants.

Use your Citi Rewards points to pay for purchases at select stores
Convert points to pay for travel and accommodation expenses
Manage and transfer your points easily with the Citi Mobile App

Yes! 25 reward points earn you ₱1. So if you have reward points just lying around, you can convert them to cash credit to pay for your minimum due.

Citi Rewards points don’t expire! As long as you’re in good credit standing, feel free to redeem your points for exclusive perks and discounts from partner establishments worldwide.

No, there isn't. Keep on earning points every time you spend with your Citi Rewards credit card.

You can keep track of your points using the Citi Mobile app. You can also log on to the Citi Thank You page to redeem exclusive perks and promos.

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.