What is Citibank?
Citibank Philippines is one of the leading credit card providers in the country. Citibank has grown to become a leading financial institution with over 200 million customers across its over 2,000 branches in different countries worldwide.
It is founded in the year of 1812 and it offers credit cards, auto loans, loans for personal and business purposes, savings accounts, investment plans and more. The company also provides services such as insurance and financial advisory services.
Citibank Credit Cards, how does it work?
The Citibank credit card works by using the customer’s existing bank account for all purchases, which means that there are minimal additional costs for using the card. Customers also have access to their funds immediately after making a purchase, just like any other debit or credit card transaction. The Citibank credit card also offers cash back rewards and points for all purchases made with it in addition to other rewards like airline miles and hotel points.
Which Citibank credit card is best?
Citi Grab Card
With Citi Grab Card, you can use it to be prioritized in booking Grab rides with dedicated platinum customer service hotline. You can also cash in up to PHP 1,000 and have vouchers that can split between GrabFood and GrabExpress.
Citi PremierMiles Mastercard
For as low as PHP 30, you can have Citi PremierMiles Mastercard that will give you free 30,000 miles right away upon availing. You can use this for free flights and hotels and allows you to get a VIP lounge at selected lounges.
Citi Rewards Mastercard
You can earn never-expering rewards with Citi Rewards Mastercard, the reward points have ratio of PHP 30 is to 1 point.
Citi Cash Back Mastercard
With this card, you can get up to 6% rebate on your groceries, up to 2% on electrical bills, and 0.20% on other purchases.
Citi Simplicity + Mastercard
Citi Simplicity + Mastercard is a credit card with no annual fees and no over limit fees.
Credit card for Citibank, how to apply?
To apply for any credit cards mentioned above, you can go to https://www.citibank.com.ph/citi/creditcard and choose the credit card you prefer. After that, click the “Apply Now” button to start your application.
Requirements
There are certain requirements Citibank necessitates. Some of them are:
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Be at least 21 years’ old
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A minimum income of: P180,000 per year if you have another credit card
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P250,000 per year if you have no credit card
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Active landline or mobile phone number
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Valid TIN, SSS, GSIS or UMID number
Interest rate
The interest rate charged by Citibank is depending on your choses credit card, but usually, the interest rates of Citibank can vary between 1% up to 4.5%.
How to check for the application status?
To check your application status, all you have to do is to log in on your account and click the “credit card” tab in the dashboard. Once done there will be a drop-down menu where you can find “Track Application Status” button. Click it so you can check the status of your credit card.
Can I do an online application?
Citibank’s product application is normally done online. To start, you can go to their website and create yourself an account. Once done, choose your preferred product of Citibank and click “Apply Now”.
How to activate a credit card at Citibank?
If you want to activate your card, just log on to their app and find “Activate Physicaly Credit Card”. Follow the instructions to proceed.
How to cancel credit card Citibank?
If you want to cancel your credit card privileges with Citibank, it’s better if you contact their customer service for actions. Take note that there is a PHP 300 cancellation fee and 4% of the unbilled portion for other Citibank products.
How much time does it take to receive a Citibank credit card?
It usually takes 1 to 2 business weeks before you can receive your Citibank credit card.
How to check for the Citibank credit card delivery status?
Checking delivery status can be done just like how you check the application status of your card. Take note that the delivery can take between 7 to 14 days.
Citibank credit card limit
The credit limit of your Citibank credit card is depending on your credit score – which will be identified upon the application process.
How do I make a cash withdrawal from credit card Citibank?
You can withdraw cash through any Citibank ATM networks. Just make sure you have your credit card and PIN on you.
How to pay for Citibank credit card installments?
The best way to reimburse your Citibank credit card purchases is through online payments. If not, you can also do bank transfers and over-the-counter transactions.
What happens if I can’t pay?
Citibank will charge borrowers with monthly interest charge of PHP 1,500 or the unpaid minimum amount due, whichever is lower.
Citibank credit card benefits
Citi credit card benefits include travel, car rental, baggage and car rental insurance, emergency cash loan and much more. Citi offers a range of credit cards with different benefits for a variety of consumers.
How do I contact Citibank credit card?
If you have any concern regarding your application status or credit card, you may contact their customer service with the following information below.
Citibank customer service
Hotline
- Citibank hotline:1-888-248-4226
Email address
Login steps
To log in with their app, just go to their website and enter your username and password. Once done, click “LOG ON”.
Citibank credit card reviews
Citibank offers credit cards with attractive interest rates and rewards. Their goal is to create a more personalized experience and make sure that customers have an enjoyable time using their services – which they are successful at because of the positive reviews they’ve been gaining.
Have you used the Citibank credit card? Share your experience here.