No Annual Fee. Forever.

TERMS AND CONDITIONS
Ready for What’s Next with Citi Credit Cards

• Ready for What's Next Promo ("Promo") will run from April 1, 2023 until June 30, 2023 ("Promo Period")
• The Promo is open to Principal credit card applicants who:
  1. Do not have an existing Principal credit card issued by Citibank, N.A. Philippine Branch ("Citibank" or "Citi") and have not had one in the last six (6) months before application;

  2. Apply for any of the following Cards within the Promo Period and whose applications are subsequently approved: Citi PremierMiles Card; Citi Rewards Card; Citi Cash Back Card; Citi Prestige Card; Shell Citi Card; and Mercury Drug Citi Card ("Card"). The Citi Simplicity+ Card is excluded from this Promo.

  3. Are not prohibited under applicable Gifts, Anti-Bribery and Corruption laws, regulations, and policies from participating in or qualifying for this Promo.

Principal Card applicants who meet all of the criteria above are referred to as the “Cardholder”.

• US persons (i.e., a citizen or lawful resident, green card holder of the United States of America) are not eligible to participate in this Promo.
• The Promo is not available to a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where this promo is restricted. Please consult a bank representative for details.

• A Cardholder who purchases using his/her newly approved and activated Card and meets the spend requirement specified for his/her Card within sixty (60) calendar days from card approval date (“Spend Period”) shall be entitled to receive the welcome gift corresponding to his/her Card (“Welcome Gift”).

  Principal Citi Credit Card	Spend Requirement (single or accumulated purchases)	Welcome Gift
  Citi Prestige Card	P40,000	P18,000 eGift from Giftaway
  Citi PremierMiles Card	P40,000	30,000 miles
  Citi Rewards Card	P20,000	No Annual Fee
  Citi Cash Back Card	P20,000	P5,000 eGift from Giftaway
  Shell Citi Card	P20,000	No Annual Fee
  Mercury Drug Citi Card	P20,000	No Annual Fee

• Transactions that qualify for meeting the spend requirement are straight purchases, PayLite purchases, cash advance transactions, payment transactions (e.g., PayAll, Citi One Bill and payments directly made or enrolled with the merchant) and online purchases transacted during the Spend Period. Each PayLite transaction will be considered as one transaction amount. Citi Balance Transfer, Citi PayLite after purchase and Citi Speed Cash transactions are disqualified from the Promo.
• Upon meeting the Spend Requirement, the qualified Cardholder will receive an SMS confirmation of his/her eligibility to receive the Welcome Gift.

1. Points/Miles

   The points/miles will be directly credited upon meeting the spend requirement. Once the points/miles are credited on his/her account s/he may redeem these by logging on to www.citibank.com.ph/thankyou.

2. eGift

   Upon meeting the spend requirement, the qualified Cardholder will receive an SMS from Citi that contains the redemption link on Giftaway.

   • To redeem the eGift, he/she must do the following:
   1. Click the redemption link in the SMS:
      http://pap.gft.ph/UNIQUEPROMOCODE
   2. Enter his/her email address and mobile number.
   3. The Cardholder may redeem the eGift in denominations of P500 up to a total amount of P5,000 worth of eGifts, in any of the participating merchants.
   • Upon redemption, the Cardholder will receive an eGift code/s from Giftaway through his/her nominated email address and mobile number. He/she may use the eGift code/s to purchase any item by presenting the same in his/her preferred Giftaway participating stores.
   • By redeeming the eGift code/s through the Giftaway redemption site, the Cardholder is responsible for providing his/her personal and other information to Giftaway, the accredited service provider of Citibank, and agrees that such information will be subject to the confidentiality, data privacy and security terms of Giftaway.
   • The promo code the qualified Cardholder will receive via SMS is valid (and the qualified Cardholder may input the code in the redemption link) within 60 calendar days after the qualified Cardholder receives his promo code from Citi via SMS.
   • Giftaway eGift code/codes are valid only for one (1) year from Cardholder’s receipt.
3. No Annual Fee

   • Upon meeting the spend requirement, the qualified Cardholder will receive an SMS confirmation of the No Annual Fee Welcome Gift.

   • Fulfillment of the No Annual Fee Welcome Gift will be done at the end of the promo period.

• In case the Cardholder applied within the same promo period and is approved for multiple cards, the card with the highest position based on the table below will be awarded the Welcome Gift upon meeting the spend requirement. If a Cardholder qualifies under another promo during the same promo period and has already received a welcome gift under another promo, then he/she will no longer be able to participate in this Promo.

  1	Prestige
  2	PremierMiles
  3	Rewards
  4	Cashback
  6	Shell
  7	Mercury

• The offer under this Promo cannot be transferred to another new or open Principal Citi Card that was not part of this Promo. Neither can the offer in this Promo be transferred to another cardholder.
• The Welcome Gift may not be converted to or paid out in cash or in kind.
• Citibank may discontinue the granting of the Welcome Gift to the relevant Card account if:
  1. applicable law, regulation, or policy restricts the continued granting of such Welcome Gift; or
  2. the Cardholder does not comply with the terms and conditions of the Citi Card Agreement or the rules governing credit relationships.
• The Cardholder should maintain his/her card account in good credit standing for at least eighteen (18) months from card approval date. Otherwise, the cost of the Welcome Gift will be charged back to the Cardholder’s account, and he/she will be disqualified from future promotional offers.
• This offer will not apply in conjunction with any other existing bank promotion.
• The provisions of the Citi Card Agreement will continue to apply. All related provisions of the Citi PremierMiles Card, Citi Rewards Card, Citi Cash Back Card, Shell Citi Card, or Mercury Drug Citi Card Terms and Conditions will likewise apply. The complete terms and conditions of the Citi Card Agreement and the mentioned Citi Card types are available on www.citibank.com.ph.
• Should there be disputes regarding a Cardholder’s eligibility, coverage of dates, fulfillment, etc., Citibank shall make the final decision.
• Citibank, N.A., Philippine Branch, has transferred its ownership of its consumer banking business to Union Bank of the Philippines with effect from August 1, 2022. The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trademarks and derivations thereof are used temporarily under license by Union Bank of the Philippines from Citigroup Inc. and related group entities.
• Any changes to the terms and conditions governing the offer are subject to prior DTI approval. All information is accurate at time of posting.

Per DTI Fair Trade Permit No. 156258 Series of 2022

For any concerns, you may call us at (632) 8995-9999 (632) 8995-9999 or send us a message through www.citibank.com.ph. Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

For your complaints/concerns, we will endeavor to resolve these within 7 business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.