Combined Credit Limit allows you to enjoy the best value for your needs. What is Combined Credit Limit? Combined Credit Limit is the total Credit Limit of all of a cardholder's Citibank Credit Cards. It is the maximum amount that a cardholder can spend on any of the cards, provided that the sum of the outstanding balances on all of the cards does not exceed the Combined Credit Limit. To illustrate further, let's say a cardholder has the following cards: At present, the cardholder can only use each card within its specified Credit Limit. With Combined Credit Limit, the cardholder will be able to access a total of P250,000 on each card, for as long as all transactions on the cards are kept within P250,000 and for as long as the cardholder remains in good credit standing. Transactions made on each card will be due on that particular card's Due Date, and will be subject to the applicable interest rate of that card. 1. Flexibility to choose the best card with each swipe Cardholders are empowered to use their Combined Credit Limit across all their cards to get the most value of each Citibank Credit Card. Today, when transactions on the Citibank Gold VISA reach P100,000, the cardholder can no longer spend on that card. Under Combined Credit Limit, the cardholder can continue to spend an additional P150,000 on the Citibank Gold VISA and keep earning Rewards Points.  The cardholder can also choose to spend the remaining P150,000 on the other Cards. 2. Easy access to our full range of credit cards Soon, it will be easier for cardholders to avail of another card to enjoy the benefits they desire. Cardholders in good credit standing can simply apply online or call our 24-Hour CitiPhone without even having to submit income documents. All they have to do is decide which card to choose. 3. Flexibility to assign Supplementary Spend Limits Cardholders can give their Supplementary Cards access to their Combined Credit Limit or they can also assign a specific Spend Limit to each Supplementary Card (beginning at P10,000) by simply calling our 24-Hour CitiPhone. 4. Ease of remembering only 1 credit limit. Cardholders will no longer have to track different credit limits per card.  The Combined Credit Limit can be seen on each of the cards' Statement of Account.  Cardholders can conveniently check their available Combined Credit Limit even before receiving any of their statements by texting: CITI <Space > BAL <Space > Last 8 digits of their card to 2201. Click on to expand and on to minimise the details. Can I already assign a Supplementary Spend Limit even if Combined Credit Limit is not effective yet? Yes. To assign a Supplementary Spend Limit, please call our 24-Hour CitiPhone. When will Combined Credit Limit take effect? It will take effect in April this year. Please watch out for a separate announcement about it on your statement so you can immediately take advantage of this new feature. With a Combined Credit Limit, will the benefits of the cards be combined as well? e.g. If I have a Shell Citibank VISA and a Citibank PremierMiles Card, will my Shell Citibank Card earn miles or my PremierMiles Card earn rebates at Shell? No, the benefits that will apply to each purchase will be the benefits of the particular card that you use. Does a Combined Credit Limit mean an increase in Credit Limit? No. If you have more than 1 card, your existing Credit Limits on each card will just be combined such that each card can access the combined amount. If I have more than one Card, will their due dates be combined? No.There will be no change in your Cards' due dates. Whatever you charge on a card will follow that particular card's due date. How can I check my available combined balance without waiting for my statement? A. Via Citi Mobile : Please ensure that your mobile number is updated in our records. You may call CitiPhone to update your mobile number. Then text Citi <Space > BAL <Space > Last 8 digits of your Citibank Credit Card to 2201. B. Via Automated Phone Service : Dial 995 9999 Enter your Credit Card number Press 1 for your outstanding balance Press the number of the Card as indicated by the voice prompt. Key in your birth date as MMDDYYYY, e.g. (041978) if your birthday is April 19,1978 C. Via Citibank Online Simply click on Quick Inquiry in the home page.