• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • 10% discount on medicines.
  • Get rebates on outstore spends such as gas and utilities.


  • Get up to 0.25% rebates when you pay gas bills.


  • Get rebates when you pay utilities using this credit card.


  • Get up to 0.25% rebate on grocery spends.


  • Get up to 10% rebate at Mercury Drug and partner hospitals.
  • 24/7 Free ambulance service worth ₱10,000

Other Features

  • Cashback Limit
    • Have a total spending of at least ₱10,000.00 per month to enjoy maximum rebates. ₱1,000.00 worth of rebates can be earned by cardholders.
    • Brands tied to the credit card are limited to Mercury Drug, Asian Hospital, Makati Medical Center, The Medical City and St. Luke's Medical Center.
    • Discounts and perks worth ₱20,000.00 from partner establishments.
  • Balance Transfer
    • 0.99% per month for a lock-in tenure of 12 months.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants. Choose between the months of 3, 6, 9, 12, 18 and 24 months. You can also convert prior purchases (single receipt of ₱5,000.00) to installments.
  • Credit Limit
    • Spend more as you get a higher credit limit and buy that extra special item without you worrying.
    • Take advantage with the option of allocating your credit limit between your principal and supplementary credit cards so you can get to monitor your finances the way you like it.
    • Request additional supplementary cards for up to seven (7) of your immediate family and friends. Conveniently assign your spending limits for each card and have it as low as ₱10,000.00 while having to share the same card benefits with them.
    • Having maintained a good credit standing, you may easily request for a credit line increase, provided that you’ve been a cardholder for over a year and haven’t had a credit line increase in the last six (6) months.
  • Citi Privileges
    • With worldwide acceptance, you can use your card anywhere, locally or abroad. Wherever you are, your Citi Credit Card is accepted in more than 150 countries and over 29 million establishments.
    • Eat out and have the best dining experience with your Citi Credit Card as you enjoy exclusive deals in over 1,000 establishments in the Philippines.
    • Wherever you go, get to enjoy freebies, upgrades, and exclusive discounts to more than 5,000 Citibank partner establishments around the world.
    • Have your family and friends sign up for their own Citi card and get to enjoy exciting privileges and rewards all year with the Member–Get–Member program.
  • Added Services
    • Conveniently manage your finances, pay your bills, and access your account information, anytime, anywhere with Citibank Online.
    • Enjoy the benefits of mobile payments as you send a single text message to access available credit, pay bills, and even view your outstanding balance with ease.
    • Get a dedicated hotline with 24-Hour Citiphone. Call for any inquiries or if you need help on any of your transactions.
    • Electronic Statement. Learn the latest promotions and offers faster when you receive your statements via email.

Card Information

Annual fee ₱2,000 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

16 years old and above

Fee for supplementary holder ₱900.00
Finance charges 3.5% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱250.00 for each sales slip

Late payment charge

₱500.00 or 6% of outstanding amount, whichever is higher

Cash advance amount

May vary from time to time

Cash advance charge

₱500.00 or 3% of cash advance amount, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Healthcare at a Discount

With Citibank Mercury Drug Credit Card, looking after your health won’t be that expensive. Simply use your card at Mercury Drug stores and partner hospitals and you can receive up to 10% rebate for a minimum spend. Another benefit from this card is you get automatic enrolment to Emergency Quick Response Program through Lifeline Rescue which allows you to receive 24/7 medical advisory and free ambulance service worth ₱10,000.

Fees and Charges of Citibank Mercury Drug Credit Card

The annual membership fee for this card for the principal cardholder is ₱2,000, and ₱900 for the supplementary cardholder. Interest rate is 3.5% per month and late payment charge is ₱500 or 6% of the past due amount, whichever is higher.

Are you eligible for a Citibank Mercury Drug Credit Card?

15,000 minimum monthly income for principal cardholders, 21 years of age or older. supplementary cardholder 16 years of age or older.

If you want to look for another option, here's what our team recommends, RCBC HBC Bankard Credit Card. This card has similar features that you may be interested in.

Not the credit card you`re looking for? You can check out more Citibank credit cards, and choose the card that matches your requirements.