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* Mandatory Fields

  • *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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    Others

    Please type in if you do not see the option in the drop-down

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    *5. Name of the Company

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    *6. 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
  • Re-type Primary Citi Card number

    Please re-enter the above 16 digit card number
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Please click on "Contact Details" to proceed with the form

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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.

  • Current Home Address

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  • * Is permanent address same as current home address?

  • Permanent Home Address

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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: If we are unable to verify your preferred mailing address, we may deliver your Citi Card, credit card statements, Citi Ready Credit statements and / or manager's check for your loan proceeds to any of the verified addresses in your application form.

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

CUSTOMER CONFIRMATION AND DECLARATION

In this application form, the term "Card" means any credit card issued by Citibank, N.A. Philippine Branch ("Bank"). The terms "I", "my", "me, and "applicant" refer to the person who has applied for one or more Cards with the Bank, whose application may or may not be approved. The term "Cardholder" means the person who has been issued by the Bank one or more Cards, including a Supplementary Card.

I further understand that the Bank may, at its discretion, request for my Income Tax Return (ITR), Audited Financial Statements (AFS), and/or any other documents in support of my credit standing, and that it is my responsibility to provide the same.

Moreover, once my application is approved, I agree, as a Citi Cardholder, to pay these fees, as applicable, to be determined by the Bank for the use of the Card or other facilities and services and/or for the maintenance and administration of any Card balance or transaction. The fees will be charged to my Citi Card or on such fund as may be available on my Account.

I agree to the following terms and conditions:

FEES AND CHARGES

I agree to pay an Annual Membership Fee to be determined by the Bank for the issuance and use of the Card, as well as fee/s for other facilities and services that I avail of and/or for the maintenance and administration of any balance or transaction on the Card (See the Citi Card Fees and Charges for the prevailing rates). The said fee/s shall be deducted from the available Relationship Limit ("RL") or Account Credit Limit.

I agree that the Bank may change or increase the Interest charges, fees, and other charges, and their rates and calculation from time to time. The Bank will notify me of any changes on Interest charges, fees, and other charges before these take effect.

CARD PAYMENT

If my application is approved, I am liable to pay any and all outstanding balances on my Card account. I must pay at least the Minimum Amount Due (as described in the Citi Card Agreement) plus the Overlimit Amount, if any, for a particular month. This payment must be received by the Bank on or before the payment due date indicated on my Statement of Account ("SOA") ("Payment Due Date").

My Overlimit Amount, if any, is the portion of the Relationship Balance (including unbilled principal on installment transactions, if any) which exceeds my RL or Account Credit Limit. This will be indicated separately from the Minimum Amount Due on my SOA. Once my Card account becomes over limit, all my Citi Cards will be immediately blocked and I may not be able to use any of them. I may only continue to use them after I settle the Overlimit Amount or my total payments have reduced my balance to an amount lower than my RL or Account Credit Limit.

If I pay less than the Total Amount Due by the Payment Due Date, my Card account will be charged Interest as described in the Interest Charge section.

INTEREST CHARGE

The applicable monthly interest rates for Retail Transactions and for Cash Advance transactions ("Interest") are stated in my SOA. The applicable monthly effective interest rates ("EIR") for Retail Transactions and Citi Cash Advance transactions are stated in the Citi Card Fees and Charges. 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).

No Retail Interest is charged if I pay the Total Amount Due in full on or before the Payment Due Date. Where Interest is applicable, the Bank computes Interest each month based on daily balances (including new transactions).

How the daily balance is computed:

The daily balance is computed separately for each type of balance (Citi Cash Advance balance and Retail balance), in the following manner:

Step 1

Start with the ending balance from the previous day.

Step 2

Add any new purchases, the principal portion of the Monthly Installments Due, and charges transacted on that day.

Step 3

Subtract any credits, payments, and/or other adjustments made on that day.

How Interest is computed:

Step 1

Multiply each daily balance by the daily Interest rate (which is the monthly Interest rate divided by 30) to determine the daily Interest. The Bank does not compute Interest on any credit balance.

Step 2

Repeat Step 1 for each day in the billing period.

Step 3

Add up all the daily Interest to determine the total Interest for the billing period.

Step 4

For Retail Interest only:

  1. a. If I have paid my previous statement's Total Amount Due in full by the Payment Due Date, the Retail Interest of my Card Transactions in the current SOA will be deferred to my next SOA ("Deferred Interest"). In the next SOA, if I continue to pay my Total Amount Due in full by the Payment Due Date, the computed Interest will not be charged.
  2. b. Otherwise, the total Retail Interest assessed to me equals:
  1. i. Total Interest for the billing period (as computed in Step 3); plus
  2. ii. Any Deferred Interest from the previous billing period.

Interest is compounded monthly; on the Statement Date, Interest charged on Retail Transactions will be added to the outstanding Retail balance and Interest charged on Citi Cash Advances will be added to the Citi Cash Advance outstanding balance, if any.

Although the monthly Interest rates are as stated in my SOA, the total Interest I pay on an annual basis may be higher depending on the amounts I pay and when I pay. I can save on Interest when I pay more than the Minimum Amount Due and/or pay earlier.

MONTHLY INSTALLMENT DUE

Applicable to installment dues incurred for the availment of Citi PayLite, Citi PayLite After Purchase, Citi Call for Cash, Citi Balance Transfer and Citi Balance Conversion.

The monthly installment due for my Installment Transaction ("Monthly Installment Due") is included in the Minimum Amount Due on my SOA until the Installment Transaction Amount and the applicable Interest are paid in full.

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

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

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.

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 my SOA is generated after each billing period. 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 subsequent ones.

If I pay less than the Total Amount Due indicated on the SOA, 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 my Card account is past due for 60 days or more, the Installment Transaction will be cancelled. Any remaining unpaid balance will be billed to my Card account in full and will be subject to the prevailing monthly retail Interest Charge.

APPLICANT'S INFORMATION

I declare that the above information in this application form and the information in the submitted documents are true, correct and updated; and the said documents are genuine and duly executed.

I authorize the Bank to verify and obtain copies of all information and submitted documents from the Bureau of Internal Revenue (BIR) and other appropriate sources including my employer/s and/or my accountant/s ("Income Sources"). I also authorize each of the Income Sources to disclose any information relevant to the said verification and give copies of my Income Documents to the Bank. I waive any rights on the confidentiality of my income information as required by BSP Circular 622, as amended by BSP Circular 855. I understand that any falsification related to my application is sufficient ground for legal action and rejection of my application. I understand that if my application is denied, the Bank has no obligation to furnish the reason for such rejection.

I agree that if my application is denied, the Bank may re-process and re-evaluate my application within three (3) months from the date of denial, and it may, in its discretion, issue me a Card at that time.

TRANSFER AND PROCESSING OF INFORMATION

As required under Republic Act 10173 and other applicable laws and regulations, I authorize and give consent for the following:

• For the Bank to allow its offices, branches, subsidiaries, affiliates, agents, representatives, and third parties selected by the Bank or any of them and certain companies (collectively referred to as "Authorized Third Parties") to offer through mail/e-mail/fax/SMS, by telephone, or by any other means of communication, including social media and/or to provide products and services to me;

• For the Bank to disclose and share my name and Card account information ("Account Information") to/with the Credit Information Corporation, any credit bureau, credit information service provider/s, lending institution/s, financial institution/s, banking and credit industry association/s, and service providers of such entities (collectively referred to as "Credit Institutions"), and in the event of delinquency, to further report and/or include my name and Account Information in the credit reference lists of such Credit Institutions;

• For the Bank, its Authorized Third Parties, and the Bank's/Authorized Third Parties' officers, directors, employees, agents, professional advisers and third party service providers, to collect and verify any information about me from any third party for any of the purposes specified in this section;

• For the Bank, its Authorized Third Parties, and the Bank's/Authorized Third Parties' officers, directors, employees, agents, professional advisers and third party service providers, to collect, process, store, record, organize, update, modify, block, erase and destroy (collectively referred to as "process") my Personal and/or Account Information with the Bank and any information the Bank obtains from third parties, including my Account Information with other financial or non-financial institutions, for any of the purposes specified in this section;

• For the Bank to transfer, disclose, use and process my Personal and Account Information (including information that the Bank obtains from third parties, such as Credit Institutions and other financial or non-financial institutions), to, between and among its Authorized Third Parties (now referred to the "Receiving and Disclosing Parties"), Credit Institutions, other financial or non-financial institutions, or the outsourced service providers of such entities, wherever situated, or a Government Requirement, for any lawful purpose such as business development, data processing, analysis and management, surveys, product and service offers, account servicing, including rewards redemption and fulfilment, marketing activities, risk management purposes, collections purposes and reporting, use in employment checking (for financial institutions), and compliance with laws, regulations and policies on anti-money laundering, sanctions and/or the US Foreign Account Tax Compliance Act (FATCA), including withholding for purposes of the FATCA. In addition to the above, the Bank or any of the Receiving and Disclosing Parties may disclose any information as may be required by any Government Requirement, and for compliance with any Government Requirement, or as required by or for the purposes of any audit or investigation of any authority. "Government Requirement" means any applicable law or regulation, legal, governmental or regulatory authority, or agreement entered into by the Bank and any governmental authority or between two or more governmental authorities (such law, regulation or authority may be domestic or foreign).

• Where the Bank is a user, member or subscriber of the information sharing services or activities of any Credit Institution:

  1. a. For the Bank to transfer and disclose to any Credit Institution and the Bank's/Credit Institution's outsourced service providers, and
  2. b. For the Credit Institution to transfer and disclose to fellow users, members or subscribers, whether financial or non-financial institution,

any of my Personal and Account Information with the Bank. The information that may be disclosed includes basic credit data and negative information under Republic Act No. 9510, other information that may be required by the Credit Information Corporation, Personal Information, demographic information, monthly account information, profile, performance and history, as well as Confidential Information (which refers to information relating to me or my representatives received by the Bank, its Authorized Third Parties and the Bank's/Authorized Third Parties' respective representatives in the course of providing accounts and services to me. This includes my Personal Information, Account details, transactional information, and any other information that I have designated as confidential at the time of disclosure or that an ordinary person would consider to be confidential or proprietary).

• Particular to Charge2Phone - For the Bank to disclose and share my Personal and Account Information to/with Smart e-Money, Inc., Smart Communications, Inc., Digitel Mobile Philippines Inc. and Voyager Innovations Inc. as well as retrieve and process information from the mentioned entities for any of the purposes specified in this section.

The above consent applies for the duration of and even after the closure or cancellation of my Card account. My consent will be effective despite any applicable nondisclosure agreement and I acknowledge that information relating to me and my Card account, including Confidential Information, may be transferred to jurisdictions which do not have strict data protection or data privacy laws.

I declare that I have provided any notices, consents and waivers necessary to permit the Bank, its Authorized Third Parties, and the Bank's/Authorized Third Parties' third party service providers and payment infrastructure providers to carry out the actions described in this provision.

If I have existing unsecured credit facilities with the Bank, I agree and consent for the Bank to review and adjust the credit limits of the said facilities in the Bank's absolute discretion in accordance with its credit policies.

I agree to hold the Bank free and harmless from any liability that may arise from the processing and use of my Personal and Account Information, and other information pertaining to my accounts with other financial and non-financial institutions.

COMMUNICATIONS AND RECORDING

By using the 24-Hour CitiPhone, by providing my phone numbers to the Bank, and by calling or accepting calls from the Bank or its service providers in connection with my Card account, I authorize the Bank and its service providers to record, store, replay, and share with any third party all conversations with me and/or on my phone numbers/lines, including calls with the Bank's service providers and with any person who may answer the phone on my behalf. I agree that these records may be used by the Bank or its service providers for any lawful purpose, particularly as evidence in any proceeding, judicial or administrative. I am responsible for informing any person who may answer the phone on my behalf, as my representative, that the Bank and its service providers shall record, replay and use the calls with him or her and that this is being done with my authorization.

I agree that the Bank and its service providers are not liable for any loss, damage or expense that results from the Bank's or its service providers' actions on any telephone instructions or communications made after the Bank or any of its service providers has verified my identity either through my Telephone PIN (TPIN) or through the Bank's or its service providers' verification process. I shall indemnify the Bank and its service providers against any loss, damage, cost and fees that they may suffer arising from them so acting.

CARDHOLDER INFORMATION AND UPDATING

To help prevent money laundering and terrorist financing, Philippine laws, as well as Citi policy, require the Bank to obtain, verify, and record information that identifies each person who opens an account with the Bank. This means that when I open an account with the Bank, the Bank will ask for my name, address, date of birth, and other information that will allow it to identify me. The Bank may also ask to see a photo ID or other identifying documents.

I understand that I must notify the Bank immediately of any change to my mailing address (residence and/or office), email address, and/or phone numbers (landline and/or mobile), and other relevant information to avoid delays or failure in the delivery of my SOA, Card, or other notices. I may notify the Bank of such changes through Citibank Online (www.citibank.com.ph), 24-Hour CitiPhone or by sending my contact information change request to P.O. Box 153, Manila Central Post Office, 1000 Manila (Attention: Asset Operations).

The Bank must be able to verify my preferred mailing address. If the Bank is unable to verify my preferred mailing address, the Bank may deliver my Citi Card and SOAs to any of the verified addresses on my application form.

The Bank shall not be responsible for any consequences that may arise due to my inability to receive any SOA or to pay my outstanding Card obligations as a result of my failure to notify the Bank in a timely manner of any change in my mailing address, contact or other cardholder information.

I shall also provide the Bank with such information and documents as the Bank may require from time to time, and shall update that information as required by the Bank from time to time, to enable the Bank or any affiliate of the Bank to comply with any law or regulation or any Government Requirement.

It is my responsibility to notify the Bank of any change in my other information, such as civil status, citizenship, employment details and income. I agree to submit (i) my Income Tax Return (ITR), whether I am a salaried employee or self-employed; (ii) additionally my Financial Statements (FS) if I am self-employed; (iii) Certificate of Employment if I am a salaried employee; and (iv) other documents (collectively "Income Documents") annually.

PREVENTION OF PERFORMANCE

The Bank will not be responsible for any failure to perform any of its obligations with respect to any product or service offered hereunder if such performance would result in a breach of any Government Requirement or if its performance is prevented, hindered or delayed by a Force Majeure Event. In such case the Bank's obligations will be suspended for so long as the Force Majeure Event continues (and, in the case of the Bank, no other branch or affiliate shall become liable). The Bank will not be responsible for any action taken to comply with economic sanctions or Government Requirement (and no other branch or affiliate shall become liable). "Force Majeure Event" means any event due to any cause beyond the Bank's control, such as restrictions on convertibility or transferability, requisitions, involuntary transfers, unavailability of any communication, clearing or payment system, sabotage, fire, flood, explosion, acts of God, economic sanctions, Government Requirements, civil commotion, strikes or industrial action of any kind, riots, insurrection, war or acts of government or similar institutions.

WITHHOLDING

I understand that I am responsible for all taxes on amounts paid or returned to me by the Bank. If required by any applicable Government Requirement, I authorize the Bank to deduct or withhold for or on account of taxes on such amounts.

CLOSURE OF THE ACCOUNT

The Bank may, without giving any reason or prior notice, suspend or cancel my Card privileges, the Citi Card, or both.

In case of default in any of my Cards or other credit facilities with the Bank, the Bank may, without notifying me, cancel and revoke my right to use all or any of my Cards or other credit facilities with the Bank.

If the Bank determines that the Card account has been or is being used for Unacceptable Transactions or non-personal transactions, the Bank may take any legal action in connection with the Card account and/or the Card transaction, including the cancellation of my Card account and the return of credit balances to the sender.

In any of the foregoing instances, the Bank shall declare the total outstanding balance, which includes any unposted transactions and unbilled Monthly Installments Due, under any of my Cards, to be immediately due and demandable. I shall be liable to pay Interest and Late charges, and other fees, as applicable.

OTHER UNDERTAKINGS

I agree that the Card may only be used for personal and legitimate transactions.

I understand that the Bank prohibits the use of proceeds from unsecured credit facilities or loans for investment into Citi wealth management products. By signing on this application form, I hereby confirm that if approved, the proceeds from my Card account will not be used for subscription into Citi-offered wealth management and insurance products. In the event that the proceeds have been used for these purposes, the Bank shall be entitled to do all acts and things necessary to comply with the Bank's policies, including but not limited to liquidating my holdings of investments/insurance at that time. I agree to bear all costs and expenses that the Bank may incur as a result.

If my application is approved, I give my written consent for the Bank to activate my Citi Card/s prior to delivery.

I agree that in the case of default or breach in any contract or evidence of indebtedness to one or more Card account/s other credit facilities issued by the Bank, its foreign or local branches, subsidiaries and affiliates, the Bank may cancel my Card/s and other credit facilities, without giving me any notice.

I confirm that I have read, understood and agree to be bound by the above terms and conditions, the Citi Card Agreement, the Citi Card Fees and Charges, and the terms and conditions that may be made available to me separately in connection with all the Citi products, programs, services, facilities and benefits associated with my Card, such as but not limited to the Citi Cash Advance, Citi PayLite Installment Plan, Citi Call for Cash Facility, Citi Balance Transfer Facility, Citi Balance Conversion Facility, Citi PayLite After Purchase Facility, Citi One Bill payment facility, Citibank Online, Citi Electronic Statements and Electronic Advice, Citi Alerts Service, Citi Mobile, and 24-Hour CitiPhone, which may or may not be explicitly defined or referred to in the Citi Card Agreement, the terms and conditions of the Citi Card product/s I applied for, the Cards Welcome Gift Promo (if applicable), and to future amendments of any of the above, as evidenced by my signature on this application form and/or the Citi Card and/or my retention and/or use of the Citi Card.

In addition, I also agree to be bound by any and all existing or future laws, regulations and official issuances governing the use of my Card and all the services and facilities associated with the Card.

I agree that the Bank may make amendments to the above terms and conditions, the Citi Card Agreement, including the fees, charges, and terms, at any time and will notify me of these changes accordingly.


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 the table of Citi Card Fees and Charges as of October 2015. These fees, charges and interest rates apply to all Citibank, N.A. - Philippine Branch issued Credit Cards.

Annual Membership Fees

Card Type Principal Card Supplementary Card
Mercury Drug Citi P2,000 P900
Shell Citi P2,500 P1,200
Citi Rewards P2,500 P1,2501
Charge2Phone2 FREE NA
Citi Cash Back P3,500 P1,750
Citi Platinum, Citi PremierMiles P5,000 P2,5003

1The 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.

2For Charge2Phone Cards, you must have an existing Citi Rewards Visa Card.

3The first Supplementary card for a Citi Platinum/Citi PremierMiles Card is free for life.

Interest Rates

Retail Monthly Interest Rate / Retail Monthly Effective Interest Rate1 3.50%2
Citi Cash Advance Monthly Interest Rate / Citi Cash Advance Monthly Effective Interest Rate1 3.50% / 3.64% inclusive of the Citi Cash Advance Service Charge3

1Interest 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)

2The applicable Retail Monthly Effective Interest Rate is 3.50% based on a P20,000 availment, on the assumption that the Cardholder pays the Minimum Amount Due one (1) day after the Statement Date.

3The applicable Monthly Effective Interest Rate for Cash Advance is 3.64% based on a P20,000 availment plus P600 Citi Cash Advance Service Charge, on the assumption that the Cardholder pays the Minimum Amount Due one (1) day after the Statement Date.

Other Fees and Charges for All Card Types

Citi Cash Advance Service Charge

P500 or 3% of Citi Cash Advance Amount, whichever is higher. Additional Fee of P500 if the Citi Cash Advance is made over the counter.

Monthly Late Charge P500 or 6% of the Past Due Amount, whichever is higher.
Minimum Amount Due

Your Minimum Amount Due is:

  1. Your Total Amount Due if it is less than or equal to P500; or
  2. The sum of the items below or P500, whichever is higher:
    1. Any Past Due Amount;
    2. Monthly Installments Due for the month;
    3. Interest charge;
    4. Late Charge; and
    5. Total Amount Due less items 1 to 4, multiplied by the required payment percentage of 1%.
Foreign Transaction Service Fee All charges made in foreign currencies will automatically be converted to Philippine Peso on the posting dates at the prevailing exchange rate determined by Visa/MasterCard. A fee of up to 3.525% will be imposed on the converted amount which represents our service fee and assessment fees charged by Visa/MasterCard.
Citi Call for Cash Manager's Check Delivery Charge P50 will be charged for the delivery of the Manager's Check availed under the Citi Call for Cash facility.
Cancellation Processing Fee P300 applicable to Citi PayLite and Citi PayLite After Purchase.
4% of the unbilled principal component of the Installment Transaction Amount applicable to Citi Balance Conversion, Citi Balance Transfer and Citi Call for Cash.
Card Replacement Fee P400 for each lost or stolen Card.
Overlimit Fee P500 (i) if your Relationship Balance, the balance across all your Citi Cards (including unbilled principal on installment transactions, if any) exceeds your Relationship Limit (RL), or (ii) where your Card is on Account Credit Limit, if your account balance exceeds your Account Credit Limit. The fee will apply on the same day you exceeded your RL or Account Credit Limit and will be charged to the Card with the transaction that caused the overlimit. The fee will be reflected on your Card's next statement and will only be charged once per month. However, if your Relationship Balance or Account Credit Limit remains overlimit in the succeeding months, a P500 Overlimit Fee will be charged per month.
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.
Charge Slip Retrieval Fee P250 for each charge slip retrieved upon your request, for whatever reason. The same amount will be charged to you for each charge slip retrieved by the Bank arising from an invalid dispute.
Disbursement Fee P250 for each approved Citi Call for Cash and Citi Balance Transfer transaction.
Attorney's Fees & Liquidated Damages In case of default in payment, you will need 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.

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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