citibank rewards visa

Citi Rewards 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 rewards visa

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 get up to 50% discount from hotels, resorts, and airlines worldwide.

  • No annual fees for life when you spend at least ₱20,000
  • Earn 3x non-expiring reward points when you shop online and dine
  • Earn 1 non-expiring reward point for every ₱30 spend
  • 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
Audited Financial Statements
Business registration/permits
Annual Fee Free
Annual Fee WaiverYes
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?

Checkout the other credit card listings

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 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.


All you have to do is apply for a Citi Rewards Card on the Moneymax website. After filling up our form, you will be redirected to the Citi website. Complete the application from there and wait for Citi’s approval. Once you're approved, expect your gift to arrive within weeks. To learn more about our rewards, check our FAQs.

No! You don’t need to spend anything with your Citi Rewards Card to receive your welcome gift from Moneymax. Once your application is approved and your card is delivered, expect to receive your gift within weeks.

Once you receive your Citi Rewards Card, spend a single or accumulated spend of ₱20,000 within 60 days from card issuance date to enjoy no annual fees for life. This promo runs until July 31, 2022. 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
  • 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

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


Stay with us

Subscribe to us and get the latest news