• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • No annual fee for new customers, forever! Promotion valid until 31 July 2020.
  • Earn 3x Rewards Points when you shop and dine
  • Turn Points into Rewards
  • Cardholders get exclusive deals and discounts


No ANNUAL FEE for life! Apply for a Citi Rewards Mastercard® and find out instantly if you’re qualified!

  • Apply now and get approved for a Citi Rewards Mastercard® until 31 July, 2020 to enjoy no annual fee forever.
  • Spend at least P20,000 on your new card within 60 days of receipt


  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend
  • Enjoy 3x Rewards Points when you shop.


  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend
  • Convert your Rewards Points to airline miles like GetGo to get free airline tickets.


  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend


  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend
  • Enjoy 3x Rewards Points when you dine.


  • Earn Points at the rate of 1 Point for every ₱30.00 retail spend

Other Features

  • Annual Fee Waived
    • You may use your Points to pay for your annual membership fee. You may redeem your Points at a conversion rate of 10 Points = ₱1.00.
  • 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. With flexible payment schemes that you can choose from - 3, 6, 9, 12, 18 and 24 months for minimum of single or accumulated purchase of only ₱3,000.00
  • Credit Limit
    • With a high credit limit, you can buy that extra special item on top of your usual shopping spending.
    • With combined credit limit, get to manage your finances accordingly as you allocate your credit limit between your principal and supplementary credit cards.
    • Get up to seven (7) supplementary cards which you can assign spend limits of as low as ₱10,000.00 for each card and share the same card benefits and privileges to your immediate family and relatives.
    • Easily request for a credit line increase if you have maintained a good credit standing, have been a cardholder for more than a year, and have not had a credit line increase in the last six (6) months.
  • Citi Privileges
    • Use your Citi Credit Card around the globe as you enjoy the advantages of worldwide acceptance in 150 countries and over 29 million establishments.
    • With over 1,000 partner establishments, get the best dining deals in the Philippines.
    • Get free items, exclusive discounts, and upgrades from a total of 5,000 Citibank partner establishments all over the world.
  • Added Services
    • Pay bills, manage your finances, and view your account information 24/7 with Citibank Online.
    • The Mobile Payments feature lets you access available credit, the amount you owe Citibank, and even pay for your bills just with a single text message.
    • If you have concerns, you don’t have to worry with 24-Hour Citiphone. Inquire about anything or transact anytime with just a simple call to Citibank’s hotline.
    • With Electronic Statement you can learn about the latest offers and promotions quicker as you receive your statements via email.

Card Information

Annual fee ₱2,500.00
Min. monthly income ₱20,800.00 (or ₱15,000 for existing credit cardholders)
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 ₱1,250.00
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

₱850.00 or the unpaid Minimum Amount Due, whichever is lower

Cash advance amount

30% of credit limit

Cash advance charge

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

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Get Rewarded Instantly

Never hesitate to spend more as you accumulate your Rewards Points quicker with Citi Rewards Mastercard®. Get to earn non-expiring Rewards Points 3x faster for every ₱30 charged to your card when you shop at department stores and shopping boutiques, dine at restaurants, or book for Cebu Pacific tickets. You can then use these points to pay at more than 1,000 stores, restaurants, and cinemas nationwide. You can also exchange your points for airline miles or free Cebu Pacific flights, as well as converting your points for your principal or supplementary card’s annual membership fee. Spending has never been this rewarding.

Fees and Charges of Citi Rewards Mastercard®

There will be an annual membership fee of ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholder. Interest rate is 3.5% per month and late payment fee is ₱850.00 or the unpaid Minimum Amount Due, whichever is lower.

Are you eligible for a Citi Rewards Mastercard®

To apply, the principal cardholder should be 21 years and older and have a minimum monthly income of ₱20,800. If you are earning at least ₱15,000 per month, you will need to have an existing credit card for at least 7 months. The supplementary cardholder should be 16 years and above.

Also, here are other available options that might interest you, EastWest Bank EveryDay Credit Card and Maybank Platinum Credit Card, both have similar features that you may want to consider.

If you're looking for other benefits, you can also check out other Citibank credit cards and choose which is perfect for your needs.