News And Articles


Annual Fee
Interest Rate

Citibank Credit Cards in the Philippines

  • Interest Rate :
  • Annual Fee :

DESCRIPTIONS:

One of the big names when it comes to international banks is Citibank, which has been around since 1812 when it was founded. The bank is the banking arm of Citigroup, a large conglomerate known for financial services. Although based in New York City, Citibank has hundreds of branches all over the world including in the Philippines. Citibank is also among the banks in the country where you can obtain a reliable and efficient credit card to help you in managing your finances.

Nowadays, Citibank offers different types of credit cards to suit the needs and lifestyle of every modern Filipino spender. Here is an overview of their credit cards and the perks that come along with each:

Citi Cash Back MasterCard

  1. Ideal for use when paying for basic bills and purchases for the household
  2. This credit card offers 5% rebate when you use it to pay for your PLDT MyDSL and landline bills and for your Meralco bills.
  3. The same rebate is given if you use your card to pay for your groceries, while a 0.5% rebate is provided when you use it for other purchases.
  4. The interest rate is low at 2.99%, and you also get a waived principal card annual fee if your minimum monthly spending reaches P15,000.

Citi PremierMiles Card

  • Ideal for travelers
  • You can get free flights if you use your card as often as you can to pay for purchases.
  • You can redeem your miles from five different frequent flyer programs provided by more than 50 airlines.
  • The miles do not expire.

Citi Rustan’s Card

  • Ideal for patrons of Rustan’s Supermarket, Department Store, and Stores Specialists, Inc. stores because you get 3% rebates if you buy from those establishments
  • You can also get up to 20% discount on your birthday or when your card celebrates its anniversary.
  • You also qualify for free gifts, priority services, exclusive invites to sales, and preferential discounts.

Citi Mercury Drug Card

  • If you like buying your medicines and vitamins from Mercury Drug, consider getting this card, which qualifies you to a 2% rebate on all your purchases.
  • It also qualifies you to a free annual physical examination in Healthway.
  • You also qualify for a free intensive diamond peel in Clarity.

Shell Citi Visa

  • Frequent patrons of Shell should get this card, which gives you a 5% rebate on purchases of Shell Fuel and a 0.5% rebate on non-fuel products.
  • You also qualify for a 24-hour emergency roadside assistance service offered nationwide.

Citi Platinum VISA

  • This is the credit card with the highest credit limit suitable for a luxurious lifestyle.
  • The very low 2.75% monthly interest charge lets you splurge on the things you want.
  • You qualify for exclusive lifestyle and shopping privileges in the Philippines and while abroad.
  • You get access to the 24-hour platinum priority hotline and concierge services.

Citi Gold MasterCard/VISA

  • Exclusive discounts abroad and while in the Philippines are provided via Citi World Privileges.
  • You can get double rewards points if you use your card while shopping abroad.

Citi Classic MasterCard/VISA

  • Ideal for paying purchases through light and easy installments every month
  • You also get rewards points each time you use this credit card, and you can exchange the points for gifts and other items offered by Citibank.


Featured Credit Cards:

BDO TITANIUM MASTERCARD


FEATURES:

  • Avail of an Annual Membership fee that is absolutely FREE for the first year! Spend Php300000 per year and you get it FREE FOR A LIFETIME!
  • Enjoy a flexible credit limit where you can access anywhere you may be and use it on your own terms!
  • Purchase anything you want, anywhere you are and avail of the Dual Currency Feature!
  • Get Cash Advance Service of up to 50% of your credit limit during emergencies!
  • Enjoy worldwide recognition and acceptance with your BDO Titanium MasterCard on over 20 million territories and locations wherever MasterCard is accepted!
  • Relish on affordable Installment Plans that are exclusive only for BDO MasterCard Titanium cardholders!
  • Share your purchasing power for up to six times!
  • Travel anywhere you want and be at ease with the BDO Titanium MasterCard as it gives you Php20000000
  • Get 24/7 Concierge Service anywhere you are!

BPI Credit Card – Express Classic


FEATURES:

  • Pay for just Php1250 for your primary card!
  • Get the lowest finance charge of just 2.75%!
  • The BPI Classic card lets you shop and dine with friends and family anywhere since it  is accepted in 20,000 establishments nationwide!
  • Avail of FREE Travel Insurance Package when you charge your fare with the BPI Classic card.
  • Avail of BPI Express Classic card’s S.I.P. facility that lifts the problem with you paying high-ticket items by easy to pay installment terms!
  • Get cash advance for up to 30% of your credit limit!
  • Earn free miles with every Php35 worth of transaction charged to your BPI Express card!
  • Transfer your balance with just 1% add-on interest rate per month!
  • Enjoy 24/7 customer service anytime, anywhere!

Landmark – Anson’s Card


FEATURES:

<ul>
<li>Free membership for 12 months</li>
<li>Lowest monthly fee of Php80 per month</li>
<li>Earn rewards when using your cards and exchange them for free gift certificates</li>
<li>Avail of Weekly Wednesday discounts</li>
</ul>

PNB Astra Secured Kredit (ASK) Card


FEATURES:

<ul>
<li><span style="font-size: x-small; line-height: 11px;">Apply for a credit card and the first year&rsquo;s annual fee is FREE!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">The PNB ASK Card allows you access to over 25 million establishments all around the world!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Need cash? There is no need to worry as PNB ASK Card allows you to have a cash advance anytime of the day at any PNB ATM outlets!</span></li>
<li><span style="font-size: x-small; line-height: 18px;">Avail of financial flexibility and pay for as low as 5% of your whole purchase with their Easy Payment Terms!</span></li>
</ul>

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.