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  • *1. Are you currently a Principal Citi Cardholder?

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  • *2. Do you have a Philippine issued card from another bank (excluding Supplementary cards)?

    *3. Select your gross annual income

    *4. Nature of Business/ Occupation

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    *5. Indicate the card you want to apply for

  • Please provide your existing Citi Card number.
    You must be the principal cardholder on the account.

    Please enter a 16-digit Citibank card number
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    If you have provided your mobile number and/or email address and your application is pending or approved, Citi may send you SMS or email advices for convenience, information and notification purposes only. Please note that Citi does not guarantee the timely delivery or accuracy of such communication.

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Please click on "Work" to proceed with the form

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  • Business Address

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  • *Mailing Address:

    Note: Your credit card may be automatically delivered at our option to your alternate address if we are unable to send this to your preferred address.

Please click on "Finance" to proceed with the form

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    Please make sure that the income you declare matches the documents you are submitting.

    Income is not the only criterion for approval of application. Depending on your qualifications, we may send you a Classic, Gold or Platinum card.

Credit References

Please declare your existing Credit Cards with other banks (excluding Supplementary Cards)

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Please note that declaring the details of your existing credit cards and submitting its statement of account will speed up the processing of your application.

  • *Nature of your work

    As stated in the Bangko Sentral ng Pilipinas (BSP) Circular 622, you are required to submit a copy of your latest Income Tax Return (ITR), if applicable, duly stamped as received by the Bureau of Internal Revenue (BIR). Except as otherwise provided by law and other regulations, if you are engaged in business, you are required to submit a copy of your latest financial statements as submitted for taxation purposes to the BIR.

    If you are self-employed, you MUST attest:

    Please indicate your asset value:

    As stated in the Bangko Sentral ng Pilipinas (BSP) Circular 622, you are required to submit a copy of your latest Income Tax Return (ITR), if applicable, duly stamped as received by the Bureau of Internal Revenue (BIR). Except as otherwise provided by law and other regulations, if you are engaged in business, you are required to submit a copy of your latest financial statements as submitted for taxation purposes to the BIR.

    Further, I hereby certify that I am aware of and will comply with the additional documentary requirements as stated in BSP Circular. I understand that non-compliance with the requirements is sufficient ground for rejection of my application, rejection of further extension of credit on my account or termination of my account.

    If you receive purely compensation income from a single employer during the calendar year, you MUST attest:

    As stated in the Bangko Sentral ng Pilipinas (BSP) Circular 622, you are required to submit a copy of your latest Income Tax Return (ITR), if applicable, duly stamped as received by the Bureau of Internal Revenue (BIR). Except as otherwise provided by law and other regulations, if you are engaged in business, you are required to submit a copy of your latest financial statements as submitted for taxation purposes to the BIR.

    If you are not deriving salary, compensation or income from any business, trade, profession or other activities, you must attest:

Important Advisory:

  • - Your application is still subject to review and approval. Please expect an SMS within 3 business days on the status of your application.
  • - We will use your personal information in our records to process your application. If there are changes to your card delivery address and/or mobile number, please contact our 24-Hr CitiPhone at 995-9999995-9999 before submitting your application.

Click here to view the Citi Card Agreement.

Click here to view Credit Card Fees and Charges

Client Confirmation & Declaration

Applicable to Credit Cards

Statement of Credit Card Fees and Charges

In this statement of Certain Credit Card Fees and Charges, the term "Card" means any credit card, issued by Citibank, N.A., Philippine Branch ("Bank"). The term "Cardholder" means the person who has been issued by the Bank one or more Cards, including a Supplementary Card. The Cardholder hereby agrees to the following terms and conditions:

Annual Membership Fee

The Cardholder agrees to pay the Annual Membership Fee to be determined by the Bank for the use of the Card and/or the other facilities and services which may from time to time be made available to the Cardholder and/or for the maintenance and administration of any balance or transaction on the Card. The Cardholder understands that said fee shall be charged to the credit line or on such fund as may be available on the Card Account. The following are the applicable fees (Please refer to table on the left side of this page).

Interest Charge

If the payment made to the Credit Card by the Payment Due Date is less than the Total Amount Due, if no payment was made to the Credit Card by the Payment Due Date, or if a Cash Advance transaction has been made, an interest charge at the prevailing interest rate will be imposed on the:

  1. Unpaid Cash Advance balance (inclusive of Interest Charges and fees) from the date of availment until both the Cash Advance balance and its related charges are paid in full.
  2. Unpaid Retail balance (inclusive of Interest Charges and fees) stated in the previous statement of account and on all new transactions made from the day after the previous statement date up to the current statement date computed from the transaction date until the current statement date.

No interest is charged if the Cardholder pays the total amount due in full on or before the payment due date and has not availed of any Cash Advance.

To compute for the interest:

Interest for the day

Step 1

Sum all Retail Transactions (Retail Transaction means any transaction other than Cash Advance transactions and related Cash Advance Fees & Charges), principal portion of all installment amortizations, any retail fees and non-Interest Charges for the day and the previous day's retail outstanding balance. Deduct any payments made during the same day, following the Application of Payments. This is the new retail outstanding balance.

Step 2

Sum all Cash Advance availments and its related non-interest fees and charges for the day and the previous day's Cash Advance outstanding balance. Deduct any payments made during the same day, following the Application of Payments. This is the new Cash Advance outstanding balance.

Step 3

Multiply new retail and Cash Advance outstanding balance, respectively, for the day by the applicable monthly interest rate and divide it by 30. The result is the interest for the day. The interest for the day will not be included in the outstanding balance until the statement date.

Step 4

The process is repeated daily until the next statement date.

The interest for the month is the sum of the interest for each day from the day after the previous statement date to the current statement date, and any unbilled Interest Charges for the previous month. On the statement date, interest charged on retail transactions will be added to the retail outstanding balance and interest charged on Cash Advances will be added to the Cash Advance outstanding balance, if any.

Interest rates are quoted based on a 30-day period. For months with more (or less) than 30 days, the applicable interest rate shall increase (or decrease) accordingly. Interest is compounded monthly.

Monthly Installment Due

Applicable to Citibank PayLite Installment Due, Balance Conversion Installment Due, Call for Cash Installment Due and Balance Transfer Installment Due.

The Monthly Installment Due forms part of the Minimum Amount Due in the Statement of Account. If the Cardholder chooses to pay only a portion of the Total Amount Due as indicated on the Statement of Account, the unpaid portion of the installment due shall be subject to the monthly Interest Charge at the prevailing rate. Usual monthly Late Charge applies. The computation of the Monthly Installment Due shall be on a diminishing balance basis, under which the allocation of payment to the principal and the interest of the Monthly Installment Due over the term (number of months) is not equal.

Foreign Exchange Rates

All charges and transactions made in currencies other than Philippine Pesos shall, in accordance with the Bank's procedures, be automatically converted to Philippine Pesos at an exchange rate determined by Visa/MasterCard which amount represents the Cardholder's payment to the Bank for the purchase and payment on the Cardholder's behalf of the foreign currency necessary to discharge the amounts due to foreign merchants. The exchange rate applied is determined on the date of posting to the Card account and may be different from the rate in effect on the date the transaction is made. The converted amount shall be charged by up to 3.525%, representing the Bank's service fee and any assessment fee(s) charged by Visa/MasterCard.

The Bank reserves the right to vary or determine, at any time and from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by the Cardholder under this Agreement. Without prejudice to the foregoing, such notice of changes of interest, fees and charges may be contained in the Statement of Account, which shall be effective thirty (30) days from such date of notice. The Bank may charge the same to the Card Account and/or request that the Cardholder pay the same on demand.

Applicable to Credit Cards and Ready Credit

The terms "I", "My, "Me", "Applicant" refers to the person who has applied for one or more Cards and/or Ready Credit with Citibank, N.A.- Philippine Branch (the "Bank"), whose application is approved or not approved.

Products and Service Offers

I understand and agree that the Bank may allow its offices, branches, subsidiaries, affiliates, agents and representatives and third parties selected by any of them and certain companies to offer specially selected products and services to me through mail/e-mail/fax/SMS or by telephone for the duration of and even after the closure or cancellation of the account(s) as applicable. The foregoing constitutes my written consent for any transfer and disclosure of my names, addresses, contact details, account and relationship balances/numbers and other relevant information to, between and among the Bank's offices, branches, subsidiaries, affiliates, agents and representatives and third parties selected by any of them or the Bank and certain companies for the purposes indicated above and under applicable law and regulations.

Undertaking / Declaration

I declare that: the above information and the information in the submitted documents to be true, correct and updated; and the submitted documents are genuine and duly executed. I authorize the Bank to verify and investigate this information from whatever source it may consider appropriate. I authorize the Bank to conduct random verification with the Bureau of Internal Revenue (BIR) in order to establish authenticity of my latest ITR and other financial statements submitted by me to the Bank. I understand that falsifying any of the information on the submitted documents is sufficient ground for legal action and rejection of my application. I understand that should my application be denied, the Bank has no obligation on its part to furnish the reason for such rejection. In the event of any future delinquency, I authorize the Bank to report and/or include my names and pertinent account information in the negative listings of any credit bureau, credit information service provider, credit and loan providers, financial institutions or banking or credit industry association.

I authorize the transfer, disclosure and communication of any information relating to me, my accounts, or any information thereon (including information the Bank obtains from third parties such as any credit bureau, credit information service providers, credit and loan providers, financial institutions) from the Bank to, between and among offices, branches, subsidiaries, affiliates, agents and representatives of the Bank and third parties selected by any of them or the Bank (collectively referred to as the "Receiving and Disclosing Parties"), wherever situated, for use (including for use in connection with the provision of any products or services to me or my accounts, and for data processing and storage, customer satisfaction surveys, product and service offers made through mail/e-mail/fax/SMS or telephone, anti-money laundering monitoring, sanctions, and/or US Foreign Account Tax Compliance monitoring, review, reporting and withholding, statistical and risk analysis and risk management purposes) for the duration of and even after the closure or cancellation of the account(s) as applicable. In addition to the foregoing, the Bank or any of the Receiving and Disclosing Parties may transfer and disclose any information as may be required by any applicable law, regulation, court, regulator or legal process, or may transfer and disclose any information to a third party/ies as may be deemed necessary by the Bank for purposes of collecting any outstanding balance on the my account(s).

Without prejudice to the generality of the foregoing, where the Bank is a user, member of, or subscriber for the information sharing services or activities of, any credit bureau, banking or credit industry associations, credit information service provider, credit and loan providers, financial institutions (collectively referred to as "Credit Institutions"), I expressly authorize:

  1. the Bank to transfer and disclose to any such Credit Institutions; and
  2. any such Credit Institutions to transfer and disclose to any fellow user, member or subscriber,any information (and updates or corrections), whether positive or negative, relating to me and/or any of my account(s) with the Bank (and for such purposes) for the duration of and even after the closure or cancellation of the account(s) as applicable. I acknowledge that such information shall include basic credit data and negative information under the Credit Information System Act (R.A. 9510), i.e., personal information or demographics, monthly account information, account performance data, including account history and account status.

Where I have existing unsecured credit facilities with the Bank, I agree and consent to the Bank's reviewing and adjusting the credit limit of such unsecured facilities in the Bank's absolute discretion in accordance with the Bank's credit and risk management policies.

The foregoing constitutes my written consent for any transfer and disclosure of information relating to me and/or my account(s) to, between and among the Bank, the Receiving and Disclosing Parties or Credit Institutions for any of the purposes above or under applicable laws, rules and regulations, court, regulator or legal process. I agree to hold the Bank free and harmless from any liability that may arise from any transfer, disclosure or storage of information relating to me and/or any of my account(s) with the Bank.

I agree that in the case of default or failure to observe any of the terms and conditions of any contract or evidence of indebtedness to one or more Card/s, Ready Credit or credit facilities issued by the Bank, its foreign or local branches, subsidiaries and affiliates, the Bank may at its sole option or discretion cancel my Card/s, Ready Credit and other credit facilities, without the need of further notice.

By providing my phone number/s and by calling or accepting calls from the Bank (and its Service Providers), I authorize the Bank to record, replay and communicate to any third party all conversations (including conversations with the Bank's Service Providers) on said phone number/line with me or any individual who may answer the phone on my behalf. I undertake to inform any individual who may answer the phone on my behalf, being my agent, that the Bank shall record, replay, and communicate to any third party the conversations (including conversations with the Bank's Service Providers) with said individual on said phone number/line and that recording, replay and communication is being done with my consent and authority.

I likewise authorize the Bank to store the recorded conversation and agree that they may use the taped or recorded conversation against me or against any third party, in any proceeding and for any lawful purpose. the Bank (including its Service Providers) shall not be liable for any loss, damage or expense which I may suffer as a result of the Bank (or its Service Providers) acting on such telephone communications.

I confirm that I have read, understood and agreed to the Terms & Conditions Governing the Issuance and Use of Citibank Credit Cards, Ready Credit, the Statement of Credit Card Fees & Charges and the Terms & Conditions of the following Citibank products, programs and services: Cash Advance, Citibank Rewards, CitiPhone, Citibank Online, Citibank Electronic Statements, Citi Alerts Service, Citi Mobile, Citibank Cash Back Card, Citibank PremierMiles, Citibank Rewards Card and Co-branded Cards (Rustan's Citibank, Megaworld Citibank, Mercury Drug Citibank, Shell Citibank, Cebu Pacific Citibank and Seat Sale Alerts for Cebu Pacific Citibank Cards), Cards Welcome Gift Promo (if applicable) and to future amendments thereto, as evidenced by my signature on the application form and/or the Credit Card and/or my use of the Credit Card.


Please check if you have read the Terms and Conditions
Please check if your personal information are updated

REMINDER: Please ensure that you have entered the correct details. Incorrect information may result in processing delays.
SUBMIT

By clicking "Submit" and providing my personal information, I understand and agree that Citibank, Citi affiliates or their service providers may contact me about their promos, products and services through the information I have provided. I further understand that I can find information about Privacy here.

Below is a table of Citibank Credit Card Fees and Charges as of January 2014. For the latest and updated Citibank Credit Card Terms and Conditions, please visit www.citibank.com.ph

Annual Membership Fees.

Annual Membership Fees Principal Card Supplementary Card
Shell Citi Classic
Mercury Drug Citi Classic
P1,800 P900
Citi Rewards, Megaworld Citi P2,0001 P1,0002
Citi PremierMiles, Rustan's Citi Gold P2,500 P1,250
Citi Cash Back, Cebu Pacific Citi, Mercury Drug Citi Gold P2,8001 P1,400
Shell Citi Gold P3,000 P1,500
Citi Platinum, Citi PremierMiles Platinum, Rustan's Citi Platinum P5,000 P2,5003

1 For Citi Rewards, Megaworld Citi and Citi Cash Back Cards, the succeeding Principal Card annual fee will automatically be waived when the cardholder's annual spend is at least P180,000 every membership year.

2 The first two (2) Supplementary Cards for the Megaworld Citi Card are free for life. The first three (3) Supplementary Cards for the Citi Rewards Card are free for as long as each Supplementary Cardholder is active in a membership year.

3 The first Supplementary card for a Citi Platinum/PremierMiles Platinum /Rustan's Citi Platinum is free for life.

Interest Rates

Card Type Citibank Classic/Cash Back MasterCard/Cebu Pacific Citibank Visa/Megaworld Citibank/Mercury Drug Citibank Classic/Rewards/Shell Citibank Classic Cards Citibank Gold/PremierMiles/Mercury Drug Citibank Gold/Rustan's Citibank old/Shell Citibank Gold Cards Citibank Platinum/PremierMiles Platinum/Rustan's Citibank Platinum Cards
Retail Monthly Effective Interest Rate4 3.50% 3.25% 2.75%
Cash Advance Monthly Effective Interest Rate4 3.64% inclusive of the Cash Advance Service Charge below.

4 Interest rates are quoted based on a 30-day period. For months with more (or less) than 30 days, the applicable interest rate shall increase (or decrease) accordingly. Interest is compounded monthly. In accordance with the Philippine Accounting Standards (PAS) definition, effective interest rate (EIR) is the rate that exactly discounts estimated future cash flows through the life of the loan to the net amount of loan proceeds. (BSP Circular No. 730, s2011)

Other Fees and Charges for All Card Types

Cash Advance Service Charge

Service Charge of P500 or 3% of Cash Advance Amount, whichever is higher.

Additional Fee of P500 if the Cash Advance is made over-the-counter.

Monthly Late Charge P500 or 6% of Past Due Amount, whichever is higher.
Minimum Amount Due Computation: P500 or 1% of your current billed balance will be charged, while Interest Charges and late charges indicated on your current statement will be billed in full together with monthly installments due, overdue amount and overlimit amount. The total amount due will become your minimum amount due upon closure of account or if account becomes delinquent (under the Bank's applicable criteria). The total amount due will be billed and will be used as basis for the computation of any late charges.
Foreign Transaction Service Fee 3.525% shall be charged on the converted amount of foreign transactions representing the Bank's service fee and any assessment fee(s) charged by MasterCard/Visa.
Account Maintenance Fee In case of any remaining overpayments on closed Card accounts, a monthly Account Maintenance Fee of P200 or the amount equivalent to the credit balance, whichever is lower, shall be charged to the Card account until the credit balance is zeroed out.
Availment Fee P250 applicable for Balance Transfer and Balance Conversion.
Call for Cash Manager's Check Delivery Charge P50 shall be charged for the delivery of the Manager's Check availed under the Call for Cash facility.
Cancellation Processing Fee 4% of unbilled principal component of the Total Amount Payable applicable to products with Monthly Installment Dues: Balance Conversion, Balance Transfer and Call for Cash.
Card Replacement Fee P400 for each lost/stolen Card.
Overlimit Fee P500 if you exceed your credit limit by your Statement Date.5
Returned Check Fee P1,500 will be charged for every check returned due to reasons such as but not limited to insufficient funds, uncollected deposits, stop payment order or closed account.
Sales Slip Retrieval Fee P250 for each sales slip retrieved upon your request, for whatever reason. The same amount will be charged to you for each sales slip retrieved by the Bank arising from an invalid dispute.
Attorney's Fees and Liquidated Damages In case of default in payment, the Cardholder is liable to pay, in addition to late and Interest Charges, the cost of collection and/or Attorney's fees and Litigation and Judicial expenses as applicable.

5 None for Rewards Cards.

These fees and charges shall apply to all Citibank, N.A. - Philippine Branch issued credit cards.

Below is a table of Citibank Ready Credit Fees and Charges as of June 2012.

Annual Contractual Rate (applies to Ready Credit Loan)

Annual contractual rate is from 26.9% to 37.9% (whichever is indicated in the Disclosure Statement);

* Effective interest rate (EIR) which includes Loan Processing Fee, Loan Disbursement Fee, and DST is from 31.5% to 46.4% using a sample loan amount of PHP250,000 at a 24 months loan period (exact EIR is indicated in the Disclosure Statement)

* EIR is computed as: (Total Interest + Loan Processing Fee + Loan Disbursement Fee + DST) / (Total outstanding balance/12)

Monthly Interest Rate1 2.4% monthly revolving rate of interest will be applied to any or all of the following:
  1. on fees and charges, including the interest on the said fees and charges, if you opt to pay only the Minimum Amount Due per month;
  2. on the Total Amount Due (less the interest component of the unpaid billed installment amounts) when you Ready Credit Loan account is in default at 60 days past due.
Such interest shall be compounded daily and the interest will continue to accrue until full payment of Total Amount Due plus accrued interest.
Loan Processing Fee P500 for each installment loan approved.
Loan Disbursement Fee P120 for disbursement or release of loan proceeds for each installment loan approved.
Loan Closure Handling Fee 4% of unbilled principal component of the installment loan.
Monthly Late Charge P500 or 6% of minimum amount due, whichever is higher.
Minimum Amount Due computation: P500 or 1% of your current billed balance will be charged, while Interest Charge and Late Charge indicated on your current statement will be billed in full together with Monthly Installment Amounts Due and overdue amount. The Total Amount Due will become your Minimum Amount Due upon closure of account or if account becomes delinquent (under the Bank's applicable criteria). The Total Amount Due will be billed and will be used as basis for the computation of any late charges.
Bounced PDC Fee P1,500 will be charged for every post-dated check (PDC) returned due to reasons such as insufficient funds, uncollected deposits, stop payment order or closed account.
PDC Deferment Fee P1,000 will be charged for every post-dated check (PDC) that you request to defer/delay for deposit as payment to your account..
PDC Replacement Fee P750 will be charged for every post-dated check (PDC) that you request to pull-out and replace with another post-dated check(s) as payment to your account.
Account Maintenance Fee In case of any remaining overpayments on closed RC account, a monthly Account Maintenance Fee of P200 or the amount equivalent to the credit balance, whichever is lower, shall be charged to the account until the credit balance is zeroed out.
Documentary Stamp Tax (DST) as required by local laws and regulations P1 for every P200 of the installment loan approved that passed the criteria for determining the applicability of DST based on local laws and regulations.
Attorney's Fees and Liquidated Damages In case of default in payment, the primary account holder is liable to pay in addition to Late and Interest Charges, the cost of collection and/or attorney's fees, liquidated damages, and the litigation and judicial expenses as applicable.

1 Interest rates are quoted based on a 30-day period. For months with more (or less) than 30 days, the applicable interest rate shall increase (decrease) accordingly. Interest is compounded monthly.

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