• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • 20% discounts and perks from partner establishments
  • 3x Rewards Points for all your overseas spending
  • Citibank credit cardholders will get to enjoy exciting deals and exclusive discounts


  • From the point of departure to the point of arrival at your destination, effective June 1, 2014, you are covered up to ₱10 million in case of loss of life due to accidents
  • Purchases charged to your Citi® Platinum Visa are protected from accidental loss or physical damage within 30 days from the date of purchase


  • Get exclusive, complimentary airport lounge access 24/7 at MIASCOR in NAIA Terminal 1, regardless of the airline or class you fly


  • 3x Rewards Points for dining bills in the Philippines.


  • 3x Rewards Points for all your shopping and overseas spending.
  • Dual Currency Billing


  • Dual Currency Billing
  • 1 Rewards Point for every ₱30 spend.


  • 1 Rewards Point for every ₱30 spend.

Other Features

  • Balance Transfer
    • Low monthly interest of 0.99% for a lock-in tenure of 12 months.
  • Installment Plan
    • Shop at participating merchants and take advantage of 0% interest Installment Payment Plan, where you can get to choose your payment period between 3, 6, 9, 12, 18 and 24 months. Also, you can get to convert your prior purchases (single receipt of P5,000) to installments.
  • Credit Limit
    • Cardholders will get to enjoy high credit limit which allows them to purchase that extra special item as they enjoy their shopping spree.
    • Enjoy the flexibility of allocating your credit limit the way you want, between your principal and supplementary credit cards.
    • Share the multiple benefits of having a Citibank credit card with your immediate family or relatives as you assign up to seven (7) supplementary cards. You can also set the spend limits of each card for as low as ₱10,000.00.
    • Being a cardholder for more than a year and having maintained a good credit standing, you can request for a credit line increase provided that you have not had an increase in the last six (6) months.
  • Citi Privileges
    • Shop worry-free anywhere in the world with your Citi Credit Card, having worldwide acceptance in over 29 million establishments across 150 countries.
    • Enjoy the best dining deals across the Philippines with over 1,000 locations to choose from.
    • Get discounts, freebies, upgrades and more from a total of 5,000 partner establishments around the world with Citibank World Privilege.
    • All the points will be converted to Citibank reward points, 100% can be used to pay for everything on partner establishments.
    • Help your family and friends sign up for their own Citi card and in return, get exclusive rewards all year with the Member–Get–Member program.
  • Visa Platinum Privileges
    • Clients get an exclusive customer care hotline with VISA Platinum Customer Care.
    • If you like golf, cardholders get to enjoy discounted green fee to 200 golf clubs on weekdays and selected golf clubs on weekends.
    • Get your dining and shopping fix at Resorts World Manila and enjoy benefits and discounts all year.
  • Added Services
    • Access your account information, view and pay your bills, and manage your finances 24/7 with Citibank Online.
    • Just a single text message can let you access available credit and the amount you owe Citibank or even pay your bills with Citibank Mobile Payments.
    • Citibank’s 24- Hour Citiphone hotline lets you call to inquire or transact anything anytime.
    • Electronic Statement lets you learn about the latest offers and current deals, as well as receive you statement of account via email.

Card Information

Annual fee ₱5,000 (Annual fee is waived for the first year.)
Min. monthly income ₱83,334
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 ₱2,500.00
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 6.00% of outstanding amount, whichever is higher

Cash advance amount

May vary from time to time

Cash advance charge

₱500.00 or 3.00% of outstanding amount, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Enjoying the Finer Things

Receive the most Rewards enjoying life’s pleasantries whether local or abroad with the Citibank Platinum Credit Card. Get to accumulate non-expiring Rewards Points 3x quicker for all your shopping and dining spending, here or overseas. The points you earn are as good as cash and you can use it to pay for any of your purchases (₱10 = 1 point), whether in-store or online. Aside from rewards, you also get exclusive airport lounge access 24/7 as well as ₱10M worth of travel accident insurance coverage and travel inconvenience protection for free.

Fees and Charges of Citibank Platinum Credit Card

The annual membership fee for the principal cardholder is ₱5,000 and ₱2,500 for the supplementary cardholder. Monthly finance charge is 3.5% whereas late payment charge is ₱500 or 6% of the past due amount, whichever is higher.

Are you eligible for a Citibank Platinum Credit Card?

You are eligible to apply as a principal cardholder if you have a monthly income of at least ₱84,000, aged 21 years and above. For the supplementary cardholder, the age requirement is 16 years old and above.

Here are optional cards worth considering, Metrobank Platinum Peso Credit Card and HSBC Platinum Credit Card, both have similar features you're looking for.

Still not what you're after? You can also check out other Citibank credit cards to find out which card is right for you.