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Citi Rewards Mastercard®
Credit cards

Citi Rewards Mastercard®

Updated: 22.09.2022

About credit card

The Citi Rewards credit card is among the most prominent rewards credit cards available. You might look for other cards, but Citibank's Rewards credit card is usually a good place to start.


Below are some of the features and perks that comes with owning this card:

  • You earn fast. You get 1 point for every ₱30 you spend, and you can use this reward anywhere, including online shopping and food delivery.
  • You get no cap on point earning. There are no maximum or minimum caps on the points you earn and you get thrice the number of points when you dine or shop.
  • You can use your reward points anywhere. With the Citi ThankYou rewards program, you can redeem your points for cash credits, products, gadgets, and other items.
  • Your points do not expire. you can use them at any time.

Pros and cons 

Check out the benefits and drawbacks of this card before applying.


  • The card offers reward points as you are spending.
  • The card does not have any annual fees, and it remains like this forever.


  • The card offers reward points per spending and this could lead to overspending.
  • The card comes with so many fees and charges.

How to apply for the Citi Rewards Mastercard®

Follow the steps below to apply for this card:

  1. Visit the CitiBank website.

  2. Click on Credit cards and then click on View all credit cards.

  3. Click on Mastercard, go down to locate the rewards Mastercard.

  4. Click on Apply now, under Citi Rewards Mastercard.

  5. Select if you do or you do not have a principal card with another bank.

  6. Select if you do or you do not have any of the listed documents.

  7. Choose if your annual income is below or above ₱180,000.

  8. If you are eligible, the application form will be displayed, if not, you would need to meet all the eligibility requirements before continuing.

  9. Fill up your personal details and click on Begin application

  10. Follow the on-screen directives to complete your application.

Before applying, you must meet these requirements:

Eligibility requirements

  • Applicants must have an active landline.
  • Applicants must be at least 21.
  • Applicants must have a minimum income of ₱250,000 a year for principal card holders and ₱180,000 a year for subsequent holders.
  • Applicants must have a valid SSS, UMID, TIN, or GSIS number.

Documentary requirements

  • Applicants must have a valid government issued ID card.
  • Applicants must have a proof of income.
  • Applicants must have a bank statement, shown their names and their account statement for the last month.
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