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Citibank Credit Cards – Philippines

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DESCRIPTIONS:

Citibank is one of the leading names of credit card providers in the Philippines and is also one of the most recognized banks in the world, so it has earned the trust of many credit card users.  The company also offers different types of credit cards in the Philippines, each of them are tailored to match different preferences and lifestyles. There are currently eight types of Citibank credit cards offered in the Philippines. Here’s a rundown plus notable features:

Citi Classic MasterCard/VISA

Citibank’s most basic credit card gives you rewards points each time you use it. You can also pay for expensive items in easy and light monthly installments using this card.

Citi Cash Back MasterCard

This credit card is convenient if you want to automatically pay for utilities and services for your home. It offers 5% rebate on your PLDT MyDSL and landline bills as well as to your grocery purchases, while other purchases are given a 0.5% rebate. The monthly interest rate is low at 2.99%, and if you spend a minimum of P15,000 a month, your principal card annual fee can be waived.

Citi PremierMiles Card

For travelers who like to fly, the Citi PremierMIles Card can be used with more than 50 participating airlines. The best thing about it is that your miles do not expire. Using this credit card to pay for everyday purchases also earns you free flights, and you can redeem miles from 5 frequent flyer programs.

Citi Rustan’s Card

If you are particular about where you shop and you like Rustan’s, consider getting this credit card, which gives you up to 3% rebate when you use it for shopping at Rustan’s Supermarket, Department Store, and its Stores Specialists, Inc. stores. It also gives you a 20% discount when you use it on your birthday or anniversary, and it also qualifies you for preferential discounts, invitations to sale events, free gifts, and priority services.

Citi Mercury Drug Card

Essentially a loyalty card, this credit card is best for frequent shoppers of Mercury Drug pharmacy. Using it gives you 2% rebate on any purchase made in the establishment and it also qualifies you for free intensive diamond peel from Clarity and a free yearly physical exam package courtesy of Healthway.

Shell Citi Visa

If you have a car and you like refueling at Shell gas station, consider this credit card which gives you a 5% rebate when you buy Shell fuel. Using this card for non-fuel purposes also earns you a rebate of 0.5%. It likewise qualifies you for a 24-hour Emergency Roadside Assistance Service anywhere you are in the Philippines.

Citi Gold MasterCard/VISA

Ideal for use when traveling abroad, it offers double rewards points when used overseas, and it also offers exclusive discounts wherever you are via the Citi World Privileges.

Citi Platinum VISA

This credit card offers the highest credit limit to match a luxurious lifestyle, and its monthly interest charge is only 2.75%. Exclusive lifestyle and shopping privileges are also offered locally and abroad, and it also qualifies you for 24-hour access to the Platinum Priority Hotline and Citibank’s Premium Concierge Services.



Featured Credit Cards:

BPI Credit Card – PETRON MasterCard


FEATURES:

  • Pay an annual fee of Php1550 for your primary card. Plus you get FREE Php200 worth of fuel once you receive your Petron-BPI MasterCard!
  • Get FREE Full Tank every year with its 3% fuel rebate!
  • Avail of a finance charge of just 3.4%
  • Get 24-hour Roadside Assistance and Towing Service wherever and whenever you need it!
  • Relish on very exclusive privileges and discounts on car dealerships and car accessory merchants only with your Petron-BPI MasterCard!

RCBC Bankard JCB Credit Card


FEATURES:

  • Worldwide Acceptance in more than 180 countries on all major establishments
  • Shop, dine and travel anywhere and pay in any currency required
  • Convert your outstanding balance to your new RCBC Bankard JCB Credit Card.
  • Enjoy 24/7 customer service wherever you are.
  • Get as much as 30% of your credit limit anywhere you may be!

EASTWEST BANK PLATINUM MASTERCARD


FEATURES:

  • Get FREE LIFETIME MEMBERSHIP!
  • Delight in your ability to shop anywhere in more than 300 countries with almost 30 million establishments.
  • Finance charge of only 3.75% a month!
  • Cash advance of 5% or Php300 whichever is higher
  • Share your power to purchase to special people by requesting supplementary cards with the annual membership fees waived perpetually.

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!

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.