My perfect reward.

My perfect reward.
Benefits at a glance


Benefits at a glance:

  • Earn never-expiring Rewards Points (P30 = 1 Point)
  • Get 3X Rewards Points at department stores and shopping boutiques
  • Use your Points to pay for your entire purchase

Earn Citi Rewards Points for any purchase, any day.

  • P30 = 1 never-expiring Point.
  • 3x Points at ANY department store or shopping boutique here, abroad or online.

Pay with Points.

Shop, dine, or watch movies for free with your Citi Rewards Points. 10 Points = P1.

  • Pay with Points at partner establishments.

    Use your Rewards Points to pay for your purchases at over 1,300 stores nationwide such as Robinsons Department Store, National Book Store, UCC Coffee, and SM Cinema. For a complete list, click here.

  • Pay with Points through our 24-Hour CitiPhone.

    Shop anywhere, charge it to your card and call our 24-Hour CitiPhone to use your Points to pay off the purchase.

  • Pay with Points online.

    Click here and use your Points to get frequent flyer miles, annual fee waivers or to donate to charity.

Free yourself from annual fees!

Just spend at least P15,000 per month or P180,000 per membership year and your annual fee will be waived.

Plus, your first three (3) supplementary cards are free for as long as each supplementary card is active every membership year.


Worldwide Acceptance and Recognition

Your Citi Credit Card is accepted in 29 million establishments in over 150 countries.

High Credit Limit

Get extra purchasing power with higher credit lines.

Combined Credit Limit

Enjoy utmost flexibility to choose the best card with each swipe through Combined Credit Limit. This is the total credit limit of all your cards, which can be accessed by each of them. Plus, if you have maintained good credit standing, you can easily apply for another Citi Credit Card without additional income documents. Just call our 24-Hour CitiPhone.

Supplementary Cards

Share the benefits of your card to up to seven (7) of your relatives and friends. You can assign spend limits of as low as P10,000 for each card.

Citi PayLite

Enjoy 0% interest or affordable monthly add-on rates at participating establishments nationwide, allowing you to pay in light and easy installments from 3, 6, 9, 12, 18, and 24 months.

Citi PayLite After Purchase

Whether shopping locally, abroad or online, you can convert your straight single-receipt purchases of at least P5,000 into PayLite.

Shop with peace of mind knowing you can enjoy flexible payment terms of 3 to 24 month installments even after your purchase. Simply call our 24-Hour Hotline at 423 3000423 3000 to convert your recent transactions to PayLite.

Please note that your application is subject to credit evaluation and approval.

Please continue to pay for at least the minimum amount due reflected on your statement of account before the due date to avoid unnecessary interest charges and late charge, and to maintain your credit history.

Citi Dining Privileges

Savor the best deals in the Philippines' dining hotspots.

Citi World Privileges

Get discounts, freebies, upgrades and more at over 5,000 establishments around the world.

Citi Member-Get-Member

Get exciting rewards from Citi all year round. Introduce the benefits of your card by simply referring your family and friends to sign up for their very own Citi Card.

Citi Globeshopper

Get your favorite US brands delivered right at your doorstep with Citi Globeshopper.

Cash Advance

Be ready for emergencies and life's little surprises. With your card, you can withdraw cash from any ATM in the Philippines and over a million Visa/Plus and MasterCard/Maestro/Cirrus ATMs worldwide.

Citi CreditShield Plus

Enroll in CreditShield Plus and cast away your worries on your credit card. Don't let loss of life or critical illness affect your creditworthiness and family's financial future. Enroll in CreditShield Plus today and get maximum credit card protection by simply calling our 24-Hour CitiPhone.

Citi Card Protection Plan

Protect yourself from possible fraud due to card loss and identity theft today with the Citi Card Protection Plan 1. This feature absolves the Cardholder from any financial liability, in case the Card is used to fraudulent purposes from the time the loss is reported to the 24-Hour CitiPhone Banking. To enroll, simply call our 24-Hour CitiPhone.

Credit Line Increase

If you have been a cardholder for more than a year, have not had a credit line increase in the last six (6) months and have maintained good credit standing, you may apply for a credit line increase; or If you are travelling abroad, let us know if you need additional credit line to ensure convenience and uninterrupted service. To request, call our 24-Hour CitiPhone. Please note that this is still subject to credit verification.

Citi One Bill

Settle all your bills with only one due date to remember. Citi One Bill charges your periodic utility bills, insurance premiums or donations to charitable organizations to your card through an auto-debit arrangement.

Peso Payment Overseas

When you use your card overseas, you have the advantage to pay for purchases in Pesos.

Citi Online

Enjoy a wide range of online services like viewing your account information, paying your bills & managing your finances 24 hours a day, 7 days a week.

Citi Mobile Payments

Charge your deliveries, utilities or prepaid load to your card with a simple text.

24-Hour CitiPhone

You can inquire or transact with us anytime you want with our 24-Hour CitiPhone. Simply call 995 9999995 9999 in Metro Manila, 234 9999234 9999 in Cebu, 1 800 10 995 99991 800 10 995 9999 toll-free from other provinces or +63 2 995 9999+63 2 995 9999 from abroad.

Citi Electronic Statement

Receive your statements faster and be updated on our latest promotions and offers. Your statement will be sent to your email in a password-protected file as soon as it's available. You can also view your statements for the past 12 months by logging on to


Mobile Banking

Experience the convenience of accessing your account to check your Available Credit Line or your Citi Card's Total Amount Due, Minimum Amount Due and Payment Due date, wherever you are with just a simple text.


There is no limit to the Points you can earn and they do not expire.

You can earn 3x Rewards Points for every P30 you spend at any department store here, abroad or online, or at any shopping boutique that sells clothing, shoes and accessories here, abroad or online.

All other purchases made at book stores, drug stores, gasoline stations, supermarkets, electronics shops will still earn 1 Point for every P30 spend.

Yes. It will earn as each monthly installment amount is posted.

You may refer to your monthly Statement of Account or you can ask cashiers at participating Pay with Points stores.

There is no limit to the Points you can use.

You may Pay with Points at the following stores:


Charles & Keith, Debenhams, Dorothy Perkins, Marks & Spencer, The Travel Club, Topshop, Topman, Zara, and more.

Appliances, Electronics and Gadgets

Abenson, Anson's, Power Mac, Robinsons Appliance, SM Appliance, Western, and more.


National Book Store, Office Warehouse, Powerbooks, and more.


SM Cinema, Robinsons Movieworld.

Department Stores

Crossings, Landmark, Metro Department Store, Robinsons Department Store, and Rustan's Department Store.

Home and Family

Handyman, Howards Storage World, Makeroom, MC Home Depot, Toys "R" Us, True Value, and more.

Sporting Goods

Nike Park, R.O.X., Toby's, and more.

For an updated and complete list, please visit

How To Apply

Applying for a Citi Rewards Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form.

To be eligible, you must meet the following criteria

You must be:

  • At least 21 years of age or older.
  • A resident of the Philippines with a valid Philippine billing address.

You must:

  • Have an annual income of P1,000,000 or higher.
  • Have a postpaid landline or a postpaid mobile phone.
  • Have a Tax Identification Number (TIN) and SSS/GSIS No.

Information required when applying online:

  • Personal information.
  • Employment/Financial information.
  • Other credit card information.

Documents required:

  • Photocopy of any two (2) valid IDs with photo and signature.
  • SSS Photocard
  • TIN ID Card
  • Passport
  • Driver's License
  • Company ID
  • Proof of income

If Employed, you are required to submit any two (2) of the following:

  • Latest Income tax return (ITR) duly stamped as received by the BIR.
  • W2 (BIR Form 2316)
  • Latest payslip (within last 3 months)
  • Original Certificate of Employment
  • Photocopy of your most recent credit card billing statement from other banks (if any)

If self-employed with assets less than P15 million, you are required to submit one (1) of the following:

  • Latest Audited Financial Statement (AFS) duly stamped as received by the BIR.
  • Latest Income Tax Return (ITR) duly stamped as received by the BIR
  • Photocopy of your most recent credit card billing statement from other banks (if any)

If self-employed with assets greater than P15 million, you are required to submit all of the following:

  • Latest Audited Financial Statement (AFS) with BIR or bank stamp.
  • Latest Income Tax Return (ITR) with BIR or bank stamp (2 pages)

If you are a foreign national, you required to submit any one (1) of the following:

  • Visa and Working Permit (with validity of 1 year and not expired at time of application)
  • Immigration Certificate of Residence (ICR)
  • Alien Certificate of Registration (ACR - iCard type with permanent status)

Click here to view the Citi Rewards Terms & Conditions

Click here to view Citi Card Terms & Conditions.