CITIBANK DEBIT MASTERCARD

Coming soon in your mailbox:

Your new Citibank
Debit Mastercard®

Coming soon in your mailbox: Your new Citibank Debit Mastercard

Your Citibank Debit Mastercard brings you banking convenience locally and globally – from free ATM withdrawals to worldwide acceptance for your purchases.

Plus, your card now carries the Smart Chip technology that protect your card against card cloning.

Benefits
Online Shopping

Online Shopping

To ensure a remarkable and secure online shopping experience, all Citibank Debit Mastercard cardholders will be equipped with the 3D Secure facility. Every time you purchase online at participating 3D Secure merchants, a pop up screen will appear and prompt you to key in your One-Time PIN.

Shop Conveniently

Shop Conveniently

Make everyday purchases quickly and safely with just a tap of your contactless-enabled Citibank Debit Mastercard. You can also perform cashless transactions at millions of merchants globally.

Exclusive Mastercard Privileges

Exclusive Mastercard Privileges

Gain access to exclusive social events, hotels and car rental discounts and a host of lifestyle and shopping benefits.

FIND OUT MORE >

Access Cash Anytime

Cash on the go

  • Free withdrawals from any bank's ATM in the Philippines and from over 20,000 Citibank ATMs worldwide.
  • Withdraw Dollars or Pesos, up to Php 150,000 or its equivalent currency.
  • Withdraw in the local currency of the country you are in.
Card Security Features

Card Security Features

Enjoy peace-of-mind with robust security features on your Citibank Debit Mastercard. See below for details.

Card Security Features

Citibank Debit Mastercard offers a comprehensive range of security features for your added security.

  • Activation can be done instantly and conveniently at any time of the day via SMS, Citibank Online and Citi Mobile.
  • A missing card can be quickly deactivated, with a replacement card sent within 7 to 10 working days.
  • The EMV-Dynamic Data Authentication Smart Chip makes the card more secure and protects you from potential identity theft and card skimming / card cloning activities.
  • Citi Alerts: Get SMS or email alerts anytime there is a transaction on your card.
    To enroll, login to Citibank Online.
  • Citibank Online and Citi Mobile: Track your account balances and transactions easily.
Activation

Activate your Citibank Debit Mastercard through any of the following methods:

  • Text ACT<space>last 4 digits of your card number (i.e., ACT 1234) and send to 29480
  • Log in to your Citibank Online account (www.citibank.com.ph). Go to Services > My Profile > Card Activation
  • Log in to your Citi Mobile App and go to the side menu and select Manage Your Cards > Card Activation
  • Call CitiPhone at 995-9999

    • Enter your new card number
    • Press 1 to request for your One-Time PIN(OTP)
    • Press 1 to confirm receipt of OTP
    • Enter your OTP
Priviliges

The Most Privileges Around Every Day:

Priceless® Cities

Explore exclusive deals and unique experiences in more than 40 destinations.

Safety Features

Authorizing Transactions

ATM transactions will require the input of your Personal Identification Number (PIN).

SMS Alerts

As an added alert feature, you will receive an SMS confirmation after every retail purchase you make through the Mastercard point-of-sale (POS) terminal.1

Pre-set Monthly Withdrawal Limit and Spending Limit

  • Your card has a daily cash withdrawal limit of Php 150,000 or its equivalent currency.
  • You have the option to set your daily retail purchase limit up to Php100,000.2

Reporting of Lost or Stolen Cards

In the event that your card is lost or stolen, simply call our 24-Hour CitiPhone.

Citibank N.A., – Philippine Branch
Metro Manila +632-995-9999+632-995-9999
Metro Cebu +6332-234-9999+6332-234-9999

Please remember that transactions are considered valid until the card is reported lost.

1 Applies only to retail purchases done through Mastercard point-of-sale (POS) terminals.

2 Applies only to Citibank Debit Mastercard. with Mastercard logo in front. The daily purchase limit can be set through our 24-hour CitiPhone®.

FAQs

Click on to expand and on to minimise the details.

The Citibank Debit Card comes without fees and charges.

The Citibank Debit Card lets you withdraw cash from ATMs and can be used to make purchases at Mastercard accepting merchant locations. What's more, you get to enjoy Citibank's signature suite of worldwide privileges whenever you use your Citibank Debit Card.

With the Citibank Debit Card, you get to enjoy shopping at millions of Mastercard merchants globally, simply by signing for your purchases at places like restaurants, bars, groceries and daily needs, fashion apparels, pharmacies etc.

General Information On The Citibank Debit Mastercard

Your Citibank Debit Mastercard is your worldwide access to your bank account. You can use it to withdraw cash from any bank's ATM1 in the Philippines and from over 20,000 Citibank ATMs worldwide, free of charge. Plus, you can now use your card to pay for retail purchases in stores where BancNet and Mastercard are accepted.

Aside from its ATM functionality, your new Citibank Debit Mastercard now can be used to pay for your domestic and overseas retail purchases at over 24 million merchants that accept Mastercard. You may also use your Citibank Debit Mastercard in local stores which accept BancNet.

Both cards can be used at any store where Mastercard is accepted. The difference is that your Citibank Debit Mastercard accesses your linked savings or checking account while your Citi Credit Card accesses your credit line.

A. Issuance/Re-carding

Your new Citibank Debit Mastercard has smart chip technology that gives you enhanced protection against card cloning, an occurrence where your account information is fraudulently copied and transferred to a fake card. At the same time, your Citibank Debit Mastercard is an enhancement of your current Citibank ATM card as this allows you to withdraw cash and pay for retail purchases in stores where BancNet and Mastercard are accepted.

Once your new Citibank Debit Mastercard is activated, your old ATM card will be deactivated.

The Citibank Debit Mastercard has a validity period of five years. A replacement card will be sent to your mailing address before expiration.

Yes. Your co-account holder will also get a Citibank Debit Mastercard and will enjoy the same benefits as you do.

We highly encourage that you upgrade to the new Citibank Debit Mastercard. Aside from being able to use it for withdrawals and retail purchases, the new Citibank Mastercard Debit has a chip card that provides you enhanced protection against card cloning, an occurrence where your account information is fraudulently copied and transferred to a fake card.

Minimum purchase limit is zero. Maximum purchase limit are: Citibanking - P100,000, Citi Priority - P150,000 and Citigold - P200,000.

You may request for a replacement card by calling our CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila)

B. Citibank Online Access

Visit www.citibank.com.ph and click on "First time user? Register now" on the log in page.

For a complete video demonstration on how to register for Citibank Online, go to www.citibank.com.ph/demo

Please ensure that you have an updated mobile number on our records to complete CBOL Registration and receive SMS confirmation. Newly registered/updated mobile numbers will be able to receive SMS for CBOL and alerts, seven (7) calendar days after date of mobile update.

C. Card Usage

For BancNet terminals, you will be asked to input your PIN to authorize the transaction. For Mastercard terminals, you will be asked to sign the transaction receipt to authorize the transaction.

The account you nominated to be linked for your retail purchases will be debited.

No, your Citibank Debit Mastercard cannot be used for these type of transactions.

Your retail purchase will be declined.

The transaction amount from your retail purchase will be temporarily put on hold until this is settled with the merchant. The amount of cash available for withdrawal is your available balance.

Sample Computation for Illustration Purposes:

Before the Retail Purchase
Deposit Balance Php10,000
Available Balance Php10,000

Retail Purchase Amount = Php500

After the Retail Purchase
Deposit Balance Php10,000
Available Balance Php9,500

As illustrated above, please be aware that after making retail purchases, the retail purchase transaction amount will be placed on hold. We highly recommend that you nominate to link a savings account for Citibank Debit Mastercard. In case you prefer to nominate a checking account, kindly take note of your Available Balance when issuing checks.

For local ATM and retail purchases transactions, you will not be charged any fees. For foreign transactions, the converted amount shall be charged up to 3.02%, representing the Bank's service fee and any assessment fee(s) charged by Mastercard.

Sample computation for illustration purposes:

International Retail Purchase Amount/Mastercard

Plus International ATM Withdrawal = $100

Foreign Currency Amount Converted to Peso Amount = $100 x P43 per $1* = P4,300

Total Peso Amount to be Withdrawn from your Account = P4,300 + (P4,300 x 3.02%) = P4,429.86

*The foreign exchange rate may vary. The foreign exchange rate of Mastercard on the time of posting will be used.

For Citi® Peso e-Savings and Citi® Peso High Rate Savings Account, your retail purchase is included in the 2 free monthly withdrawals. If the account linked to your Citibank Debit Mastercard is one of these accounts and you go beyond the 2 free monthly withdrawals, you will be charged Php20 for every retail purchase. We do not allow Citi® Peso e-Savings Plus account to be linked with your Citibank Debit Mastercard as you will be charged Php100 for every retail purchase.

Here are some safety tips to ensure that your transactions are secured:

  • Sign on your card immediately.
  • Always keep your cards and card details in a safe place.
  • Do not share your debit card PIN, account and personal information, and signature with anyone.
  • Your Citibank Debit Mastercard is only for your personal and exclusive use. Please do not hand it over to anybody – family members, friends, strangers, even to people who claim to be Citibank officers. You shall be responsible for any usage of your card or debits on your account made by any person.
  • Any verification of your card at any store, restaurant, etc. should be done in your presence. Remember to get your card back after every purchase.
  • Check your transaction receipt for the card number and the amount charged to your card after every purchase.
  • Keep your transaction receipts safe, to tally them against your monthly statement of account.
  • Carefully check your monthly statement of account and report any unusual or suspicious looking transactions to your Personal Banker or 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +6332 234 9999+6332 234 9999 (Cebu).

D. Stolen/Lost Card

Please call immediately your Personal Banker or 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu) to report that your card is your lost/stolen.

E. Disputes

You can raise a complaint in the branch or by calling 24-Hour CitiPhone at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu). Citibank Savings clients may contact the 24-Hour Citibank Savings Customer Service Hotline at +632 995 1888+632 995 1888 (Metro Manila) or 1 800 10 995 18881 800 10 995 1888 (outside Metro Manila) through any PLDT landline. You may raise the complaint up to 60 days after you made the purchase. You will need to fill-up and submit a Cardholder Dispute Form together with supporting documents from the disputed transaction.

If in the course of the investigation, a sales slip(s) is/are retrieved, a P250 sales retrieval fee will be charged to your account for every sales slip retrieval made. For fraud cases, the P250 sales retrieval fee is waived.

If the nature of your dispute is fraud-related, your fraudulent card will be blocked and a new Citibank Debit Mastercard will be issued. You can pick up your new Citibank Debit Mastercard from the branch where your account was opened.

No. We will first investigate your dispute. You will be notified of the status of your dispute within 60 days. No interest will be paid during the pendency of the dispute. In addition, interest will resume only once the amount is credited back to the account. Please note that coordination will need to be done with BancNet, Mastercard, and the merchant respectively during the investigation. However, if the transaction is valid, the bank will not credit back any amount to your account.

You can call our 24-Hour CitiPhone® at +632 995 9999+632 995 9999 (Metro Manila) or +63 32 234 9999+63 32 234 9999 (Cebu).

1 Any bank's ATM includes Bancnet, Megalink and Expressnet ATMs only.

Locate your nearest branch or ATM through Find My Citi.

A proud member of Bancnet

Member: PDIC, Maximum Deposit Insurance for Each Depositor P500,000

Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number
(632) 708-7087 and e-mail address consumeraffairs@bsp.gov.ph. For any concerns, you may contact us at
(632) 995-9999 or send us a message through www.citibank.com.ph

Terms & Conditions:

As used in these Terms and Conditions, "we", "our", "us", the "Bank" and "Citibank," refer to Citibank, N.A. (Philippine Branch). "You", "your" refer to every person who opens an account with Citibank, in addition to any signers added at a later time. The term "Card" refers to the Citibank Debit Mastercard issued by Citibank.

CITIBANK DEBIT MASTERCARD

Issuance of Citibank Debit Mastercard ("Card")

The Bank may, at its sole discretion, issue the Card which you may use to access your Accounts through the Automated Teller Machines (ATMs) or to make a retail purchase through the Point of Sale (POS) terminal networks of the Bank, its offices, branches, subsidiaries, affiliates, correspondents, agents and representatives and third parties selected by any of them or the Bankand other parties, such as Mastercard network, Bancnet and retail merchants. You will be liable for all unauthorized withdrawals and purchases, whether they are effected as a result of the unauthorized use of the Card, your personal or account information, the Card PIN and/or your signature, prior to the Bank's receipt of your notification of loss or theft through the CitiPhone at 995 9999 (Metro Manila) or 234 9999 (Cebu).

Ownership

The Card shall remain the property of the Bank. You agree that the Bank may, at its sole discretion, suspend, block, terminate or cancel the Card at any time for any reason, with or without need of prior notice to you. Upon our request, you agree to surrender the Card to us immediately. You agree that the Bank shall not be liable for the suspension, blocking, termination or cancellation of the Card. The Card shall be for your exclusive use and is not transferable.

Card Expiry and Reissuance

Unless earlier terminated or cancelled, the Card shall be valid up to the last day of the month indicated thereon. Reissuance of the Card will be at the sole discretion of the Bank.

Linkage

All your deposit and loan accounts are automatically linked to your Card unless you specify otherwise in the Relationship Opening Form. All ATM transactions involving loan accounts are governed by the terms and conditions specific to the particular loan product.

Card PIN

You shall personally encode your Debit Card Personal Identification Number (PIN) at the Citibank branch where you maintain your Accounts. The Bank may exercise at its discretion the option to deliver your Card PIN through mail. Your Card PIN is strictly confidential. For your own protection, you agree never to disclose your Card PIN to anyone. You shall in all circumstances accept full responsibility for all transactions processed thru the use of the Card and the Card PIN whether or not the transactions were made with your knowledge or with your authority. You shall hold the Bank free and harmless from any and all losses, damages or liabilities you shall suffer as a consequence or as a result of your disclosure, whether deliberate or unintentional of your Card PIN.

Deposits

The amount of cash or check deposits made through the ATM shall be subject to verification by the Bank. The actual amount verified by the Bank will be deemed the correct amount you have deposited. All deposits you make after the daily cut-off time will be credited on the following banking day. Check deposits, however, are subject to normal clearing periods. Cash or check deposits made on Saturdays, Sundays, holidays or non-banking days shall be considered transactions of the next banking day.

Withdrawals and Purchases

You authorize the Bank to automatically debit from your Account the appropriate amount corresponding to the amount of the withdrawal or purchase you make, or its equivalent in allowable currency, and in accordance with our record of transactions. Each transaction record evidencing every withdrawal from an ATM or every purchase outside the Philippines, in addition to this agreement, shall constitute your written application to purchase and authority for us to sell foreign exchange for non-trade purposes, as required under BSP Manual of Regulations on Foreign Exchange Transactions, as the same may be amended from time to time.

All withdrawals or purchases you make with the Card outside the Philippines consist of two interrelated transactions: a withdrawal or payment at the Philippine branch, and a remittance to the country or such other jurisdiction where you make the transaction. Your right of withdrawal or purchase is thus subject not only to Philippine laws but also the laws and regulations of the country where you actually withdraw your funds or make your purchase. Your international ATM withdrawal or purchase shall be in a currency permitted at the institution which owns the ATM or where you made your purchase. The equivalent in US Dollars will then be debited against your Account.

The amount you may withdraw or debit for your purchases within and outside the Philippines shall be subject to such limits as the Bank may set in the case of ATM withdrawals and you may set in the case of POS transactions. Such limits shall be subject to change from time to time. In the event the system is off-line, the Bank may further reduce the limit for withdrawals made outside the Philippines.

Withdrawals and purchases outside the Philippines are subject to charges at point of withdrawal and at Point-Of-Sale.

Debit Transactions

Debit transactions shall be deemed to be cash withdrawal transactions and you hereby authorize the Bank to debit the bank account you designated or you agree to be linked for POS transactions to be the source of funds for your purchases for the total amount of any payment effected with the Card in accordance with the Bank's record of transactions. The Bank shall not be held liable for any act or omission by any merchant howsoever caused, including but not limited to, any refusal to accept the Card, or any statement or other communication made in connection therewith, merchant's acceptance of the Card notwithstanding discrepancy in the signature between the Card and transaction slip or any defect or deficiency in or quality issues with goods or services.

International ATM/ Debit Access

For international ATM withdrawals and retail purchases through Point-of-Sale (POS) terminals, you authorize the Bank to debit from your Account an equivalent amount of the transactions made in currencies other than your currency of account. The exchange rate applied is determined on the date of posting to the Card and may be different from the rate in effect on the date the transaction is made. 3.02% shall be charged on the converted amount of foreign transactions, representing the Bank's service fee and any assessment fee(s) charged by Mastercard.

Whenever you use your Card in ATMs and POS terminals outside the Philippines, you agree that the processing of your Card transactions shall be subject to the collection, storage and communications of all data (such as Account balance) relating to your Accounts. The processing of your transactions may be performed, in whole or in part, electronically. Accordingly, apart from the Bank, there may be other entities which shall have access to, and may have to collect, store or communicate, data relating to your Accounts in the processing of your Card transactions. These entities are part of the Citishare network, the organization responsible for routing all transactions among Citibank businesses and third-party, such as ATM and Mastercard networks worldwide.

You understand that the Bank does not have any control over:

  • The participants and processors in the Citishare network;
  • The procedures they adopt in electronically transmitting or receiving data or information for your transaction;
  • The accuracy of such data/information; or
  • ATMs located outside the Philippines owned or operated by these Citishare network participants and processors and/or by the third party banks, ATM and Mastercard networks worldwide.

Accordingly, you agree that the Bank shall not be liable for any loss or damage of whatever nature which you may suffer as a result of or in connection with the processing of your transactions through Citishare network participants and processors or through third party banks, Mastercard and ATM networks worldwide, including those arising from the collection, storage and communication of data relating to your Accounts or the electronic transmission or receipt of data or information relating to your Card transactions or Accounts, such as, without limitation:

  • In case you are unable at any time to use your Card or avail of any service due to the disruption or failure of communication facilities;
  • Arising out of any rejection, disruption, failure or delay relating to the use of your Card or availment of any service where such rejection, disruption, failure or delay is due to circumstances beyond the reasonable control of the Bank; or
  • Arising out of unauthorized or fraudulent access or utilization of your Card or any service.

TERMS AND CONDITIONS

Whenever you use your Card in ATMs or POS terminals outside the Philippines, you consent to:

  • The collection, storage, communication and processing of all pertinent data, such as your Account balance, by any means necessary to maintain appropriate transaction and Account records;
  • The release and transmission of all these necessary data to participants and processors in the Citishare network and/or by the third party banks, ATM and Mastercard networks worldwide;
  • Their retention of these data; and
  • Their compliance with all applicable laws and regulations governing disclosure of information to which they are subject. Consequently, you agree to hold the Bank free and harmless from any and all losses, damages or liabilities arising from the rejection or non-completion of your international ATM and POS terminal transactions for any reason whatsoever including, but not limited to, the improper designation of the Account from which your transaction shall be debited or credited.

Available Funds in the Account

You agree never to use, or attempt to use, your Card for any transaction, such as withdrawal or transfer of funds or purchase, unless you have sufficient funds in your Account.

SMS Notification

You agree to receive an SMS notification every time you use your Citibank Debit Mastercard to pay for purchases in a Mastercard POS terminal. You agree to act on such SMS notification as required or needed immediately upon receipt thereof.

POS Limit

You have an option to set your daily POS limit, which is currently at P20,000, for purchases made through the Mastercard network. For Citibanking Accountholders, the maximum limit possible is P100,000 daily. For Citi Priority Accountholders, the maximum limit possible is P150,000. For Citigold Accountholders, the maximum limit possible is P200,000 daily. You can opt to set this limit to as low as P0. This limit is subject to the availability of funds in your Account.

Disputes

In the event that there is a dispute arising from or in connection with POS transactions, you have up to 60 days from the date of transaction to raise the dispute/complaint. A fee will be debited for every sales slip that was retrieved during the course of the investigation. If the Bank's investigation results show that the transaction is invalid, the Bank will credit back to your Account the amount equivalent to the disputed transaction. No interest will be paid during the pendency of the dispute. In addition, interest where applicable, will resume only once the amount is credited back to the account. If the transaction is valid, the bank will not credit back any amount to your account.

Conversion Rates

For international ATM withdrawals and POS retail purchases, you authorize the Bank to debit from your Account the equivalent amount of any withdrawal, transfer or purchase you make in currencies other than the currency of your Account. The Bank shall base the equivalent amount on the exchange rates determined by the Global Management at Citibank, N.A., New York, U.S.A. (Citi NY). Citi NY bases its rates on a certain spread above the prevailing interbank rates at 5 p.m. Eastern Standard Time. More specifically, withdrawals against US Dollar accounts in currencies other than US Dollar (third currency) will be converted into US Dollars based on the rate set by Citi NY. For withdrawals from or purchases using Peso accounts, the third currency amount is first converted to US Dollar in the manner provided above, and the US Dollar amount is converted to its Peso equivalent based on the exchange rate set locally by the Citibank Treasury Group.

Transaction Records

The transaction records generated, kept and maintained by the Bank shall be conclusive and you agree to accept and be bound by these transaction records.

Joint Accounts

In case of joint accounts, all the Account holders agree that all transactions done thru the Card will be binding on each of the Account holders, jointly and severally.

Responsibility for Transaction

You shall be fully responsible for the security of your Card. You shall be responsible for all transactions made or initiated using your Card whether or not you know about such transactions and/or authorize them. The Bank is duly authorized to effect such transactions using your Card, such as to debit any and all of your Accounts and effect withdrawals, transfer and debits from your Accounts according to your transaction records.

Liability for Phishing

You understand that your Accounts may be compromised through phishing that will enable unauthorized person/s to withdraw money from your account using your unique Card number and unique Card PIN which you will have provided through any of the following means: (a) response to an email request for your Account information via a spoof Citi or Citibank website; (b) use of email or internet facility (other than the secured Citibank website) through which you provided your account information; (c) any other similar or analogous means.

You acknowledge that you were provided by us at account opening an awareness briefing on phishing, circumstances that enable phishing to occur and your indispensable role in its consummation. You expressly acknowledge that you were furnished copies of educational materials on phishing.

You undertake to cooperate, through all reasonable means, with our efforts to prevent phishing, and accordingly, you shall exert all means to prevent the disclosure of your Card information, Account and personal information and u Card PIN to any unauthorized person. You agree that you should be held wholly liable (aside from your usual authorized withdrawals) for any and all future withdrawals from your Accounts that may result from phishing. You further agree to indemnify and hold free and harmless the Bank, its officers, directors, employees, agents and representatives against any and all losses, damages, penalties, liabilities and costs of any kind.

Loss/Theft

If the Card is lost or stolen, you must immediately report the same by calling CitiPhone. The Bank shall not be liable for any loss, damage or liability you shall suffer if the Card is used for fraudulent purposes prior to the time its loss is reported to CitiPhone.

In the event the Bank replaces your lost card, the Bank will create a new card with a new number and a new card record. For reasons other than loss, the Bank will give you a new card, but will retain the old card number and record. The Bank may charge you a specified fee for the replacement of a lost or stolen Card. You will be liable for all unauthorized withdrawals and purchases, whether they are effected as a result of the unauthorized use of the Card, your personal or account information, the Card PIN and/or your signature, prior to the Bank's receipt of your notification of loss or theft through CitiPhone at 995 9999 (Metro Manila) or 234 9999 (Cebu).

Card Replacement/Change of Card PIN

We both agree that changing your Card PIN and/or replacing your card does not mean cancellation of our old contract and the beginning of a new one.

Termination

You must immediately return the Card to us for cancellation in case you decide you no longer need it or if the Bank at its discretion, decides to withdraw the Card for any reason whatsoever. You shall hold us free and harmless from any liability arising from the cancellation.

Suspension of Privileges

The Bank may, at any time, for any cause, at its sole discretion, and without notice, suspend or terminate your ability to use the Card at an ATM or to make retail purchases. The Bank shall not be liable for any loss or damage you may incur as a result of such suspension or termination. You agree that no other branch, subsidiary or affiliate of Citibank, N.A. and our Head Office (Citi NY) shall be liable or responsible to you with respect to your Card and your Card transactions.

Limitation to the Bank's Liability

All obligations hereunder are payable solely at Citibank, N.A., Philippine branch, subject to the laws of the Philippines (including any governmental actions, orders, decrees and regulations).

OTHER TERMS & CONDITIOCONDITIONS AS STATED IN THE GENERAL TERMS & CONDITIONS GOVERNING CITIBANK PHILIPPINES ACCOUNT APPLY.