Win up to P1,000 eGC instantly!

Win up to P1,000 eGC instantly!

Get a chance to win P200 or P1,000 worth of eGCs instantly that you can use for dining, shopping, and more.



Step 1

Shop at participating PayLite-accredited merchant under the appliances, department store, gadgets, home, and shopping categories.**

Step 2

If you've won, you will instantly receive an SMS with the amount of your eGC and your unique redemption link.

Step 3

Tap on the redemption link and enter the following:

  • Your name
  • Mobile number
  • Email address

Tap on Redeem.

Step 4

Your eGC code will be sent to you via SMS and email. Present this eGC code when you shop or dine at participating Giftaway merchants ( and the amount will be deducted from your total bill.

Here are some of the participating merchants:



Digital Walker, Electroworld, Fone Style, Memoxpress, Octagon, Power Mac Center, Samsung*

Appliances & Home

Appliances & Home:

Abenson, Anson's, Automatic Centre, Robinsons Appliances, SM Appliance Center, Western Appliances, Ace Hardware, Blims Fine Furniture, CW Home Depot, Forty Winks, Handyman, La-Z-Boy, Our Home, SOGO Home and Office Center, True Value, Wilcon Home Depot.

Shopping & Department Store

Shopping & Department Store:

Duty Free, Landmark, Metro Department Store, Nike, Primer Group, Robinsons Department Store, Rustan's, The SM Store, SSI Group, Uniqlo.

Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-20151, Series of 2019.

*Select Samsung outlets only

**The included MCCs for this promotion are listed in the following table:

Category MCCs
Gadgets 4812, 5045, 5732, 5734
Home 1520, 5200, 5231, 5251, 5712, 5713, 5719, 5949, 7217
Appliances 5722
Shopping 5139, 5309, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5948, 5999
Department Store 5311

Terms and Conditions



  1. The Citi PayLite Raffle ("Promo") will run from October 25, 2019 to January 31, 2020 ("Promo Period").
  2. The Promo is open to Principal and Supplementary Citi Cardholders ("Cardholder") whose credit cards ("Card") have been locally issued by Citibank, N.A. Philippine Branch ("Citi"), are active, in good credit standing, with available credit limit; who are not prohibited under applicable Gifts, Anti-Bribery and Corruption laws, regulations and policies from participating in or qualifying for the Promo.
  3. Incumbent government officials or employees, whether elected or appointed, are not eligible to participate in this Promo.
  4. Qualified Purchases
    1. Every minimum single-receipt Citi PayLite purchase of P3,000.00 using a Citi Credit Card at any PayLite accredited merchant under Appliances, Department Stores, Gadgets, Home and Shopping categories (defined by the merchant's credit card acquirer under the following merchant category codes: 4812, 5045, 5732, 5734, 1520, 5200, 5231, 5251, 5712, 5713, 5719, 5949, 7217, 5722, 5139, 5309, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5948, 5999, 5311) ["Qualified Purchase"], during the Promo Period will give the Cardholder a chance to win a Giftaway eGift Voucher of either P200.00 or P1,000.00.
    2. Only Qualified Purchases as defined in item 4(a) will qualify for the Promo. Transactions outside of the foregoing, as well as Straight charge transactions, Speed Cash, Cash Advance, Balance Transfer, Balance Conversion, existing PayLite amortizations, PayLite after purchase, OneBill transactions, auto-debit enrolments, auto-debit transactions, credit card fees and charges, Credit Shield, Citibank Online payments, Citi Mobile Banking payments, transactions for business purposes or for non-personal purposes, and transactions that are subsequently cancelled or refunded, do not qualify for the promo. Additionally, the following transactions will not be considered eligible for the promo: purchases made in casinos and at merchants specifically engaged in wholesale and distribution (example: warehouse clubs, networking companies, multi-level marketing entities).
    3. The Cardholder's Citi Card account/s must be active and in good credit standing during the Promo Period and until the claiming of the eGift Voucher.
    4. Citi will generate winners electronically. Principal and Supplementary Cardholders may win eGift Vouchers separately. The eligibility of the Supplementary Cardholder's transactions to win an eGift Voucher is dependent on the Principal Cardholder's credit standing.
  5. Instant Raffle
    1. Upon completing a Qualified Purchase, a Cardholder gets a chance to win a Giftaway eGift Voucher ("eGift Voucher"). A winning Cardholder ("Winner") will receive an advisory SMS from Citibank on his/her registered mobile number, which will contain the following:
      1. Specific eGift Voucher that the Cardholder won.
      2. Details of the winning transaction, i.e., store/merchant where purchase was made.
      3. Last 4 digits of the qualified Citi Card used in the winning transaction.
      4. Unique Redemption Link: (which will automatically lead to a unique redemption page).
    2. Cardholders whose names are drawn will be subject to verification by Citi.
  6. Redemption of eGift Vouchers
    1. Instantly after receipt of advisory SMS informing the Cardholder that he/she won, the Cardholder can go to the Giftaway promo website using the Redemption Link ( indicated on the SMS sent by Citi to redeem the Giftaway eGift Vouchers that he/she has won.
    2. Each Cardholder can only win once for the promo duration.
    3. Winners can redeem the eGift Voucher from within 60 days after the receipt of registered notice. eGift Vouchers that are not redeemed within the redemption period shall be forfeited in favor of Citibank.
    4. To redeem the eGift Voucher, the Winner must:
      1. Go to (sent via SMS)
      2. Input their name, email address, and mobile number where the eGift Voucher will be sent
      3. Click "Submit".
    5. The winner must access the online redemption website using the Redemption Link provided in the SMS, within the promo redemption period.
    6. Giftaway eGift Vouchers will be awarded in denominations of P200.00 or P1,000.00 (depending on the eGift Voucher won).
    7. After completing the verification process on the redemption site, the winner will receive the eGift Voucher/s from Giftaway via SMS/email at the mobile number/email address that the Cardholder provided.
    8. Citibank and the Merchant will not honor redemptions using official receipts, charge slips, photocopies of the charge slip, screen images, or the Citi Statement of Account.
  7. Use of eGift Vouchers
    1. To use the Giftaway eGift Voucher, the Cardholder must present the SMS or email containing the eGift Voucher to the store personnel of Giftaway accredited merchants prior to purchasing. The list of Giftaway accredited merchants can be found at:
    2. The eGift Voucher must only be given to the store personnel once the Cardholder commits to use it at the store.
    3. The eGift Vouchers are valid for use at Giftaway merchants until January 31, 2021 only. All unused eGift Vouchers after this date shall be forfeited in favor of Citi.
    4. The eGift Voucher is valid for one-time use only. If the total value of eGift Voucher is not used up at the time of purchase, there will be no cash change given and the eGift Voucher can no longer be used for another transaction. If the purchase price goes beyond the value indicated on the eGift Voucher, the Cardholder will pay for the difference.
    5. The Cardholder may redeem multiple eGift Vouchers per day, per merchant/store within the validity period of the eGift Vouchers.
    6. Once redeemed, eGift Vouchers are transferable but not convertible to cash, cash advance, or in kind.
    7. All redemptions are final; no replacement, return or exchange of the eGift Vouchers will be permitted. The winner is responsible for inspecting the quality, condition, and expiry dates of the eGift Vouchers upon redemption. The winner will also be responsible for safekeeping the eGift Vouchers. Citi and the participating merchant outlets shall not be obliged to refund or replace the eGift Vouchers once redeemed, whether lost, damaged, or for whatever reason.
    8. eGift Vouchers are not valid in conjunction with other discounts, offers, privileges, or promotions.
    9. All terms and conditions relating to the eGift Vouchers as indicated in the Giftaway website shall apply.
  8. By redeeming through the Giftaway redemption site, the Cardholder is responsible for providing his/her personal information and other information that may be required by Giftaway and the participating merchants, and agrees that such information shall be subject to the confidentiality, data privacy, and security terms of Giftaway.
  9. The Cardholder agrees that should his/her redemption be found to be fraudulent in nature, or to be a result of splitting of transactions, Citi shall have the right to charge the total face value of the eGift Vouchers to the Cardholder's Citi credit card.
  10. Citibank is not an agent of Giftaway or of the participating merchants, and makes no representation as to the quality of the goods and services provided. All feedback regarding the quality of the goods and services provided should be directed to Giftaway and/or the participating merchant.
  11. By accepting and/or using the eGift Vouchers, the Cardholder agrees to hold Citi free and harmless from any loss, injury, or damage caused by or arising from his/her participation in the Promo or caused by or arising from his/her acceptance and/or use of the eGift Vouchers.
  12. In case of dispute regarding the Cardholder's eligibility, coverage of dates, etc., Citi's decision will prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo or for any request will be resolved by Citi with the concurrence of DTI.
  13. Fraud, abuse or any unauthorized action relating to the credit card transaction, the participation in the Promo, or redemption of the eGift Voucher may result in the disqualification of the Cardholder from the Promo, suspension or cancellation of Card privileges or the charging of the cost of the eGift Voucher to the Cardholder's Citi Card, at Citi's discretion. This shall be without prejudice to any legal action that may be taken by Citi.

Per DTI Fair Trade Permit No. FTEB-20151, Series of 2019.

For any concerns, you may contact us at (632) 8995-9999 or send us a message through Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087. The Promotion is considered concluded beyond sixty (60) calendar days after the end of the redemption period.



In these Terms and Conditions ("Terms and Conditions"), "Card" means all credit cards issued by us, Citibank, N.A. (Philippine Branch) (also referred to as "we", "our", or "us"), while "you" refers to the Cardholder or the person who has one or more Cards issued by us. Your availment of the Citi PayLite Installment Plan means you agree to the following Terms and Conditions:

  1. The Citi PayLite Installment Plan is a Card facility that allows you to pay for select goods and services from accredited Citi PayLite merchants in the Philippines, together with the applicable interest and other fees, on installment basis ("Installment Transaction").
    Citi PayLite is available for single-receipt purchases of at least Php3,000 or such other amount as may be determined by Citibank from time to time. It is available only to Cardholders in good credit standing and is subject to approval based on the available Relationship Limit or Account Credit Limit, as applicable, at the time of purchase.
  2. You may pay for your purchases via Regular or 0% Citi PayLite Installment Plan:
    1. Purchases availed under the Regular Citi PayLite Installment will be subject to the prevailing Citi PayLite interest rates which may change from time to time. The applicable interest rates at booking may also vary from time to time and for each Citi PayLite merchant. To check the applicable interest rates, you should inquire about the Citi PayLite terms of your chosen merchant before availing.

      Your availment of the Citi PayLite Installment Plan means you agree to pay us interest on the purchase price of goods or services ("Principal Amount") on the dates specified in the Statement of Account at the applicable converted monthly factor rate with a corresponding effective interest rate per annum based on the outstanding principal balance and the Term as follows:



      Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
      3 months 1.74% 35.88%
      6 months 1.54% 35.83%
      9 months 38.40% 35.88%
      12 months 1.50% 36.76%
      18 months 1.66% 41.09%
      24 months 1.69% 41.32%


      Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
      3 months 1.00% 19.46%
      6 months 1.00% 22.29%
      9 months 0.75% 17.13%
      12 months 0.75% 17.48%
      18 months 0.75% 17.71%
      24 months 0.75% 17.72%


      Term Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)**
      3 months 0.75% 14.31%
      6 months 0.75% 16.38%
      9 months 0.75% 17.13%
      12 months 0.75% 17.48%
      18 months 0.75% 17.71%
      24 months 0.75% 17.72%

      *The Converted Monthly Factor Rate is presented as a guide that you can use to derive the Monthly Installment Due (principal plus interest).

      **The Effective Interest Rates above are based on interest computed on a fixed 30-day period per month. The actual EIR may be higher or lower as the interest portion of your first monthly instalment due is computed based on the actual number of days between approval date and one day before statement date, which may be more or less than 30 days.

    2. Subject to Section 5, the price of items purchased under the 0% Citi PayLite Installment Plan will be interest-free for the duration of the installment plan. The 0% Citi PayLite Installment Plan is available for selected items at 3, 6, 9, 12, 18 and 24-month terms or as otherwise specified by the merchant offering the 0% Citi PayLite Installment Plan.
  3. The monthly installment due for your Installment Transaction ("Monthly Installment Due") is included in the Minimum Amount Due in your Statement of Account until the Principal Amount and the applicable interest are paid in full.

    You may compute the Monthly Installment Due by using the following formula:

    Principal Amount x [1+(Converted Monthly Factor Rate x Term)]


    The Monthly Installment Due comprises the interest and principal components and is computed on a diminishing balance basis. The interest and principal components of the Monthly Installment Due vary each month and are computed as follows:

    • Interest component:
      Prior month's outstanding principal balance x monthly Effective Interest Rate (EIR), where monthly EIR = (1 + Annual EIR) 1/12 - 1.
    • Principal portion:
      Monthly Installment Due - interest component for the month.
  4. The interest charge on the first Monthly Installment Due is computed based on the number of days between the approval date of the Installment Transaction and Statement Date, which is the date when your statement is generated after each billing cycle. The interest on succeeding Monthly Installments Due is computed based on a fixed 30-day period. This will result in the first Monthly Installment Due being different from succeeding subsequent ones.

    Citi PayLite Installment Plan

    Sample Schedule of Payment

    0         10,000.00
    1 30 983.33 264.30 719.03 9,280.97
    2 30 983.33 245.30 738.03 8,542.94
    3 30 983.33 225.79 757.54 7,785.39
    4 30 983.33 205.77 777.56 7,007.83
    5 30 983.33 185.22 798.11 6,209.72
    6 30 983.33 164.12 819.21 5,390.51
    7 30 983.33 142.47 840.86 4,549.65
    8 30 983.33 120.25 863.08 3,686.56
    9 30 983.33 97.44 885.90 2,800.67
    10 30 983.33 74.02 909.31 1,891.36
    11 30 983.33 49.99 933.34 958.01
    12 30 983.33 25.32 958.01 0.00
    TOTAL   11,800.00 1,800.00 10,000.00  
  5. If you pay less than the Total Amount Due indicated in the Statement of Account, the unpaid portion of the Monthly Installment Due is subject to the prevailing monthly retail Interest Charge. Interest is compounded monthly. Usual Late Charges also apply.

    In addition, if your Card account is past due for 60 days or more, the Installment Transaction will be cancelled. Any remaining unpaid balance will be billed to the Card account in full and will be subject to the prevailing monthly retail Interest Charge. Please refer to the Citi Card Fees and Charges for the prevailing rates, fees and charges. This can be viewed at

  6. If you wish to cancel an Installment Transaction before its Term ends, you may do so without a prepayment penalty. In that case, you agree to pay in full the unpaid portion of the Principal Amount and the cancellation processing fee of Php300, plus the pro-rated Interest Charge on the cancelled Installment Transaction from the last Statement Date until the date of cancellation. In case of promotions where we give you a premium item/s (which include promotional items, Usage Privileges, etc.), we may charge the full monetary equivalent of the premium item should you cancel the Installment Transaction.

    Cancellation Processing Fee = Php300

  7. You acknowledge that your Installment Transaction will be maintained for the Term stated in the charge slip or other documents furnished to you and that we have already incurred cost of funds and committed yield to fund sources to finance the Installment Transaction. In case you pre-pay any Installment Transaction before the lapse of the Term, you agree to reimburse us for any loss or additional cost, including but not limited to processing the pre-payment.
  8. In case of (a) any change in law or regulations which gives rise to new additional taxes, higher reserve requirements or similar events, or (b) significant change in the economic environment, we may adjust any applicable charges and Installment interest even before the Term expires.
  9. Upon your availment, we already pay for the goods or services in full. In the event that a Citi PayLite merchant from whom you purchased the goods or services for future delivery ceases to operate, you will still be liable to pay for all unpaid Citi PayLite Installments.
  10. Please be advised that by availing of Citi PayLite Installment Plan through your Citi credit card/s, you are providing your explicit consent to Citi's Data Processing, Profiling and Sharing provisions and to the updated Citi Card Agreement and the Citi Card Fees and Charges. For the full Consent and the Data Privacy Statement and latest version of the Citi Card Agreement and the Citi Card Fees and Charges, please go to
  11. All Citi PayLite Installment purchases are subject to the Citi Card Agreement and all related provisions of the Citi Installment Facilities.
  12. These Terms and Conditions should be read together with the Citi Card Agreement, to produce a result that is harmonious and consistent. In the event of any inconsistency or conflict between these Terms and Conditions and the Citi Card Agreement, these Terms and Conditions will prevail in relation to the Principal Amount applied under the Facility.

For any concerns, you may contact us at (632) 8995-9999 or send us a message through Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087.

For any concerns, you may call us at (632) 8995-9999(632) 8995-9999 or send us a message through

Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087(632) 8708-7087.