citibank rewards visa

Citi Rewards Card

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Special Promotions

Choose your Marshall: Emberton or Major IV

Apply for a Citi credit card and receive your chosen welcome gift when you get approved. Choose between a Marshall Emberton Bluetooth Speaker worth ₱8,790 or a Marshall Major IV Wireless Headphones worth ₱8,690. 

Promo runs from January 21 to 31, 2022. Per DTI Fair Trade No. FTEB-135346. Series of 2022. See full terms here.

Product Summary

citibank rewards visa

Citi Rewards Card

Apply for a Citi Rewards Card today and upgrade your shopping experience. Earn one point for every P30 spend and redeem up to 50% discount offers from hotels, resorts, and airlines. Plus, get 3x points when you shop and dine using your Citi Rewards Card.

  • Earn (1) point for every ₱30 you spend anywhere
  • Earn 3x reward points when you shop and dine
  • Non-expiring points: use your points anytime, anywhere
  • Enjoy up to 50% off at participating hotels, resorts, and airlines
  • Ideal for: cardholders who frequently shop online and in-store
Existing Credit CardNot Required
Landline numberRequired
Age21 to 70 years old
Minimum Annual IncomeP180,000
Regular Employee
Government-issued ID
Proof of incomeBank statement showing your one-month salary
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Government-issued ID
Proof of income
Annual Fee Free
Annual Fee WaiverNo
Monthly Effective Interest Rate2%
Cash Advance Monthly Effective Interest Rate2.04%
Minimum Amount Due P500 / %
Cash Advance Fee P200 / %

Is this the right product for you?

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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 one (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 GetGo 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 for your points. 

Is the 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.


Earn one point for every P30 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
  • Redeem deals and discounts locally and in 90 other countries
  • Convert points to pay for travel and accommodation expenses
  • Manage and transfer your points easily with the Citi mobile app

The conversion rate for Citi Rewards points is: 15 points = P1. You can use your points to offset any remaining balance on your bill.

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

You need to wait 5 to 7 banking days for them to verify your application and another 4 to 5 days to receive your card.


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