How to Get a Citi Cash Back Credit Card

If you are interested in hauling in low-hassle cash rewards, the Citi Cash Back Credit Card is a great contender. It is jammed packed with a superior cashback rate of up to 6 percent for grocery purchases and 0.2 percent for other purchases made using the card. In addition to cashback rewards, cardholders can also enjoy easy installment payment plans for big purchases.

The Citi Cash Back Credit Card is also an ideal companion for frequent travelers because of the worldwide acceptance powered by Visa. Get exclusive deals up to 50% off at partner hotels, airlines, resorts, and more. The fun doesn’t end there, as this credit card also allows cashback of up to 2 percent for bills paid through Citibank Online or Citi One Bill.

Cardholders of this credit card enjoy maximum rewards with less effort. If you want to get your hands on this card, read on. Find out more about the perks and benefits that come with the card, as well as cons, eligibility terms, and the application process.

Citi Cash Back Credit Card Application

Citi Cash Back Credit Card Features and Benefits

Without a doubt, the Citi Cash Back Credit Card is one of the best all-around cards in the market today. It is best suited for individuals looking to earn cash rewards from expenses made using the credit card. For a minimum spend of Php 1,000, cash rebates are allowed per monthly statement.

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In case you travel for work, you can use this card to pay for airline tickets, travel deals, dining, shopping, and more, without huge charges. A flat-rate 3.50% is charged to your account for both assessment and service fees. Compared to other cards that have separate fees for the service and assessment service, this card is affordable.

Finally, you can manage your account through the Citi Mobile App. You can activate your new credit card here, plus lock or unlock your card for security purposes. This app also has powerful features to better use the card for online transactions.

Citi Cash Back Credit Card Cons

The only downside of the Citi Cash Back Credit Card is the higher annual fee of Php 3,500. For a cashback card with rewards features, there are other credit cards that are free of charge.

Citi Cash Back Credit Card Eligibility

To qualify as a cardholder, you need to be at least 21 years old, a resident of the Philippines, employed, and earning a minimum of Php 180,000 a year. A deposit account with Citi is not required to open a credit card account.

Supporting documents are also needed for verification purposes. When you apply, make sure you have at least one government-issued ID, your latest payslip, and your Income Tax Return or ITR.

How to Apply for the Citi Cash Back Credit Card

There are two ways to apply for the Citi Cash Back Credit Card. The easiest option is through the Citibank website online application, which lets you submit a form via smartphone or computer. Another way to apply is by visiting Citibank branches.

Note that the bank has the right to decline an application if applicants didn’t meet the requirements. If you visit a branch and apply for a card, bring with you the necessary documents to qualify.

APR & Charges

  • Annual Fee – Php 3,500 (first year free)
  • Monthly Effective Interest Rate – 3.50%
  • Cash Advance – Php 500 for every cash advance or 3% of the amount
  • Foreign Transaction Fee – 3.525% for service and assessment fee
  • Monthly Late Payment Fee – Php 850
  • Over Limit Fee – Php 750

Bank Address & Contact Details

For concerns and inquiries regarding credit card applications, you may reach the Citigroup customer hotline at 995-9999 for Metro Manila customers. For the Cebu area, dial 234-9999, and +632 995-9999 for international calls.

The Citigroup main office is located at Citi Plaza, 34th Street, Bonifacio Global City, Taguig, Philippines.

Conclusion

Having the Citi Cash Back Credit Card in your wallet is a great asset, as you can enjoy contactless payments and installment plans. With cashback privileges and other rewards features, you can definitely get your money’s worth with this Visa card.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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