Do you find it cumbersome to always have to carry cash? Have you missed out on a dream purchase because you didn’t have enough cash on hand? Or had to forgo an online plane ticket purchase for a family trip? With a credit card, these worries are a thing of the past, offering you convenience and peace of mind.
Credit cards open up a world of benefits, especially when used wisely. They are universally accepted, allowing you to travel, dine, and shop without the burden of cash. Plus, they often come with a range of rewards, discounts, and deals, making your experiences more enjoyable and cost-effective.
Despite the numerous benefits, some people are hesitant to apply for a credit card, often due to concerns about high interest rates. However, by using your card sensibly and paying on time, you can fully enjoy its advantages. It’s important to choose a card that suits your lifestyle, and with responsible use, it can significantly improve your life.
Having a credit card means that you can typically gain access to exclusive discounts or benefits, receive rewards, and earn points, which could be redeemed for travel, dining, or cash equivalent for daily purchases. Credit cards also offer substantial cashback rewards for purchases made at supermarkets, gas stations, pharmacies, and with other merchants, including airlines and partner restaurants that have special discounts and seasonal promos you can enjoy with your loved ones.
A credit card is an extension of your spending capacity. It enhances your purchasing power, especially in securing products and services – from your everyday needs, such as gas, groceries, coffee, and medicines, to high ticket items, such as treating your family to a staycation or vacation, finally getting that gadget you have wanted for so long, front row concert tickets to your favorite band, upgrading your home appliances, or buying your loved one a jewelry for that important milestone.
Depending on your choice and lifestyle, credit cards offer entertainment treats, privileges, seasonal dining promos, free travel insurance coverage, cashback on overseas shopping, and the ability to buy now and pay later, to name a few. There are various incentives, too, including travel benefits, hotel and restaurant discounts, and travel perks (such as the privilege of relaxing in posh airline lounges) to make your trips stylish, more exciting, and twice the fun!
Online shopping? Credit cards assure you of a more protected and seamless e-commerce purchase with features like encryption, multifactor authentication, and fraud monitoring.
A credit card from BDO, one of the leading banks in the Philippines, for instance, offers year-round deals and exclusive dining deals for up to 50% off. It also provides ‘Buy Now, Pay Later’ options, a feature that allows you to make a purchase and pay for it in installments over a period of time, often without interest. This, along with 0% interest on big-ticket purchases, lets you earn Peso Rewards and more.
There is no better time than now to own at least one BDO Credit Card! When you apply for a BDO Credit Card, you can get up to a P25,000 cashback credit when you meet the minimum spending requirement. The promo runs until October 31, 2023. Qualified cards are Mastercard, Visa, JCB, UnionPay, Diners Club, and BDO-issued American Express. Terms and conditions apply.
This Press Release has also been published on VRITIMES
Most people would agree that when it comes to credit cards, Citi has to be on the top of their most wanted list. If they had to choose one credit card to own most, I have found, would say they want a Citi credit card.
Now is a good time to apply for a Citi credit card! Go to https://tinyurl.com/citi-penny and apply for a credit card with Citi Philippines. People with successful applications will immediately receive an e-gift of P5,000 to be used at Uniqlo or no annual fees plus 10% interest back(for successful Simplicity+ Card referrals).
Citi is one of the most highly respected financial institutions in the world and as such, they have the most stringent screening process when accepting applications. After all, they want to make sure that their members actually have the capacity to pay.
* Note: the information below was lifted directly from the Citi Philippines website.
Eligibility of the card applicant:
is at least 21 years old
has a minimum income of:
P180,000 per year if you have another credit card
P250,000 per year if you have no credit card
has an active landline or mobile phone number
has a valid TIN, SSS, GSIS or UMID number
A deposit account with Citi is not necessary.
Required documents:
if you have an existing principal credit card
any government issued ID (driver’s license, SSS, UMID, passport, etc.)
if you do not have a credit card or your existing credit card is a supplementary card
any government issued ID (driver’s license, SSS, UMID, passport, etc.)
proof of income (ex. payslip, income tax return (ITR))
bank statement of your payroll account showing your one-month salary
a signed certificate of employment
Citi has a different kind of credit card to suit your lifestyle:
Interest back cards
Citi Simplicity+ Card
This is the card for those who like to keep it simple.
no annual fee EVER
no late fees
no over limit fees
pay at least the minimum due on or before the due date and get 10% back on interest charges
If you’ve never owned a credit card before and you can’t decide which one of the many Citi cards there are you want then this is a good starting place. The Simplicity+ card is tailor-made for newbie credit card holders.
Rebate cards
Citi Cash Back Card
This is the card for those who love to save! Every time you spend you get cash back in the form of rebates that you could use to partially pay for your credit card bill or to make purchases with specific merchants as defined by Citi.
get up to 6% rebate on supermarket purchases.
get up to 2% rebate on your Meralco bill payments done through Citibank Online or Citi® One Bill®.
all your other purchases automatically earn 0.20% rebate.
save as much as P12,000 per year.
Shell Citi Card
The perfect card for car owners, especially those that gas up at Shell.
Get up to 5% rebate on Shell fuel purchases.
Get up to 5% rebate on toll fees (NLEX and SLEX).
Get up to 5% rebate on auto repairs, accessories, and services nationwide.
Save as much as P10,000 per year.
Mercury Drug Citi Card
For those who buy their medicine from Mercury Drug. This is probably the card I would recommend for people with maintenance medicine, which means they buy medicine often.
Get up to 10% rebate on Mercury Drug purchases.
Get up to 10% rebate on participating hospital bills.
Get 0.25% rebate on all other purchases outside of Mercury Drug and participating hospitals.
Enjoy free 24/7 ambulance service worth P10,000.
Save as much as P9,600 per year.
Travel cards
Citi PremiereMiles Visa Card
Do you love to travel? Then this is the card for you!
Earn 1 never-expiring mile for every P30 spend.
Redeem flights and hotel stays instantly through Citi ThankYou Rewards.
Enjoy local and international airport lounge access with your PremierMiles.
Rewards cards
Citi Prestige Card
This is the creme de la creme of all the Citi cards. This card is also good for those who love to travel.
Unlimited 4th night free at any hotel booked through the concierge.*
Complimentary Priority PassTM Membership for primary cardmembers with unlimited access to over 1,000 VIP airport lounges worldwide.
Complimentary Airport Meet and Assist services and one-way luxury airport transfers for primary cardmembers at select airports, twice (2x) per the calendar year.
5x ThankYou points on local dining, shopping, and all foreign currency spend.
This card has special features that the other Citi cards do not have:
desirable rewards
Every P30 spend earns you 1 ThankYou Point.
Earn 5x points on shopping, dining and foreign currency spend here or when you travel abroad.
Earn relationship bonus points on your card anniversary.
inspiring travel
Enjoy an unlimited 4th night free stays at any hotel booked through the concierge.*
Complimentary Priority PassTM Membership for principal cardmembers with unlimited access to over 1,000 VIP airport lounges worldwide, with four (4) guest passes per membership year.**
Complimentary Airport Meet and Assist services and one-way airport luxury transfers for principal cardmembers at select airports, twice (2x) per the calendar year.
exclusive access and elite servicing
Enjoy three (3) complimentary rounds of golf each calendar year at participating golf courses.
Access to a dedicated hotline and Global Concierge Service with in-country experts ready to assist you 24 hours a day, 7 days a week.
Citi Rewards Card
The must-have card for those who love rewards. This is the perfect travel card for people who prefer to fly via Cebu Pacific.
Earn 1 point for every Php 30 spend.
Get 3X points when you shop, dine or book Cebu Pacific tickets.
Use your points to redeem free flights, hotel stays, or merchandise.
Use your points to pay for purchases at partner merchants.
How long does approval take?
Approval usually takes 5 to 7 days but online applications are often faster.
Apply for a Citi credit card now!
Go to https://tinyurl.com/citi-penny and apply for a credit card with Citi Philippines. Do it NOW to enjoy the P5,000 e-gift. This is a limited time offer so the soonest you apply the better. 🙂
Make your dream of acquiring a brand new car come true at the start of 2018 by joining Citi’s GoWithCiti promo. Drive home one of three BMW 2 Series Gran Tourer MPVs or be one of the ten winners of a luxury watch worth P250,000 from Lucerne!
“We always want to make it more fun and exciting for our clients. With the GoWithCiti campaign, we look forward to seeing our clients enjoy our products and services, as well as the perks and amazing prizes that we prepared for them,” said Vishal Kadian, Acting Head of Cards and Loans, Citibank, N.A Philippines.
Simply use your Citi credit card until January 31, 2018 to earn raffle entries. Each swipe earns you one raffle entry so the more you swipe, the more chances you have of winning. There’s no minimum spend required!
Winners will be drawn on February 14, 2018, and will be notified via phone or email. They can claim their prizes at Citibank Square by presenting the official notification letter from Citi, card used for the winning transaction, two valid IDs and valid TIN ID.
Plus, register at www.winwithciti.com to earn even more raffle entries and win over 100,000 instant prizes. Simply create an account using any active email address and your unique log-in password and earn play codes every time you swipe your Citi credit card.
Each play code can win you Nike Park, Vikings, Bistro Group, Bruno’s Barbers or Mrs. Fields eGIFTs, an e-voucher from ZALORA, UBER credits for P50 off on your next 2 rides, and a 3-month subscription at IFlix. If no instant prize is won, you will get ten additional raffle entries for the raffle.
To redeem your instant prizes, just go to the My Rewards page on your www.winwithciti.com account for detailed instructions.
Start the year right and win amazing prizes. GoWithCiti now! For more information, log on to www.citibank.com.ph/bmw.
About Citi
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions.
Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.
Citi Philippines recently launched its newest credit card product, dubbed Citi Simplicity+, which is touted as an industry first for the country – offering no annual fee, no late payment fees, and no over limit fees, as well as 10% back on interest charges for on-time payments. The introduction of Citi Simplicity+ responds to the needs of consumers for a card that’s well-suited for busy lifestyles, by providing a remarkable customer experience that’s simple and convenient.
Aftad Ahmed, Citi Philippines CEO
Citi Philippines CEO Aftab Ahmed said, “Citi Simplicity+ is an example of Citi’s commitment to putting our clients’ interests first while creating economic value. With Simplicity+, we simplify the client experience and make it more convenient and beneficial for our clients to undertake everyday purchases and transactions.”
Other benefits available to Citi Simplicity+ cardholders include:
Citi PayLite for easy installment purchases,
Click for Cash for emergency cash loans,
Citi One Bill for hassle-free auto-debit payments, and
a world of special privileges on shopping, travel, and dining.
Says David Stoughton, head of Credit Payment Products at Citi Philippines: “With a growing urban population in the Philippines where people are living in a much more fast-paced environment, Citi Simplicity+ offers consumers peace of mind with its simplified terms and conditions, no annual fee, no late fees, and no over-limit fees. This is extremely convenient for people who are constantly on the go, managing multiple tasks and schedules. Through Citi Simplicity+, we are also showing our appreciation to those who pay on time by giving them 10% back on interest charges.”
The Citi Simplicity brand has been rolled out previously in the US, Australia, UAE, Poland, Indonesia, Malaysia, and Thailand.
Upgrade your home with designer furniture at easy-on-the-pocket payment terms with Citi Credit Cards ongoing offer at Pottery Barn and West Elm.
If you love entertaining, chic furniture can turn small spaces into cozy spots with the help of Pottery Barn. Fun furniture, beddings, toys and other child-friendly items to make playtime and sleeping fun for children are available at Pottery Barn Kids.
With Citi PayLite, you can get multi-functional furniture and other houseware items at 15% off at Pottery Barn stores in Bonifacio High Street Central, Taguig City, and Estancia, Capitol Commons, Pasig City.
If you are opting for a classic, understated look, West Elm is the perfect store for you. It is best known for collaboration: craft communities co-create its home accessories, furniture and décor with independent designers, while its Style + Service lets you work with Home Stylists for free.
Take advantage of the 15% discount offered by its flagship store at Estancia, Capitol Commons, Pasig City for all purchases made with Citi PayLite payable up to 24 months.
In this latest partnership, Citi PayLite lets you get the highest quality furniture, latest appliances and most attractive accessories at 0% interest and payable up to 24 months. Available exclusively to Citi cardholders, PayLite also gives you exclusive discounts, free gift certificates and other special offers up until January 31, 2018.
“Our homes are our own personal space, a place where we start and end our day. This is why it deserves only the most comfortable furnishing in the most appealing designs,” said Citi Philippines Credit Payment Products Director David Stoughton.
“Citi PayLite provides an opportunity for homeowners to enjoy, be comfortable and have only the best experience at home through partnerships with top-of-the-line brands.”
The time to transform your house into a home with Citi PayLite is now! For more information about this exciting offer and other exclusive rewards from Citi, visit www.citibank.com.ph.
Citi Simplicity+ Card
Citi Cash Back Card
Shell Citi Card
Mercury Drug Citi Card
Citi PremiereMiles Visa Card
Citi Prestige Card
Citi Rewards Card
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions.
Says David Stoughton, head of Credit Payment Products at Citi Philippines: “With a growing urban population in the Philippines where people are living in a much more fast-paced environment, Citi Simplicity+ offers consumers peace of mind with its simplified terms and conditions, no annual fee, no late fees, and no over-limit fees. This is extremely convenient for people who are constantly on the go, managing multiple tasks and schedules. Through Citi Simplicity+, we are also showing our appreciation to those who pay on time by giving them 10% back on interest charges.”
If you are opting for a classic, understated look, West Elm is the perfect store for you. It is best known for collaboration: craft communities co-create its home accessories, furniture and décor with independent designers, while its Style + Service lets you work with Home Stylists for free.
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