Are you experiencing a nice spot for rebates? The Citi cash return Card supplies up to 6% rebate on supermarket shopping plus.

it is suitable for everyday using for moneysmart people that want to obtain rebates rather than benefits.

As of this publishing, should you decide get the Citi money back card from now until Oct 31, 2019 and acquire recommended, your’ll receive P5,000 worthy of of SM Surprise Pass as your welcome surprise.

Very let’s talk about exactly what the Citi money back card has to offer, plus their terms and conditions. See if this card is really a “daily amount of delight” as marketed.

How can the Citi cash return cards jobs?

The Citi Cash Back cards is advised for those who save money on food and resources. To have up to 6per cent discount, you will have to make use of the cards on paying categories for example gasoline, pharmacy acquisitions, eating, and, and spend at the least P10,000.

Take a good look at this sample calculation taken from the official Citibank site. The rates are simply examples and will not think on your own statement of account.

[ Resource: Screengrab from Citi Cash Back Credit webpage, 08 Oct 2019]

Children of four – investing P15,000 on market and Meralco bills, and P10,000 on gas, dinner, and entertainment, are going to have a complete cashback of P1,000 per report period.

Once more, the rates vary based on your real using.

You’ll receive up to P1,000 cash return per declaration thirty days, that is a maximum of P12,000 for your seasons.

In conclusion, you get these rebates as long as you meet with the terms and conditions.

Any time you’re not-living in Metro Manila, you may have some doubts about that credit since the 2% discount is tied up with Meralco, and that’sn’t obtainable in different provinces.

Ideally, this card is more suitable for a family of 3-4 with a well balanced income, located in Metro Manila or perhaps in the suburbs, possesses a monthly domestic expense of approximately P30,000.

If you’re simply beginning where you work with on average about P20,000-P25,000 earnings, this credit is certainly not a great fit. Your don’t wish finish overspending in order to obtain the 6percent rebate whenever there are additional options for youthful gurus as if you.

Just as the more Citibank charge cards, you can make use of this card with the #Love2Click advertising for on the web coupons. Love special offers at Zalora, Agoda, Booking.com and Winery Philippines, just to name various.

Exactly what do you get through the Citi money back charge card?

You’ll be able to receive rebates at the very least of P1.00 plus increments. The rebates include then credited to your account.

To get cash credits, you should get on www.citibank.com.ph/thankyou or deliver an SMS, providing you utilize the exact same cellular amounts you authorized with Citi. Only follow the style, RWDSREDEEMLast 4 digits of your Citi and deliver they to 29480 (for example. RWDSREDEEM 1234 FINANCES 100).

Take into account that the redeemed rebates are not regarded as costs to your card and can’t be used to counterbalance the minimum levels because of.

Other Options to Citi Cash Back Card

Any time you’re not happy because of the Citi cash return cards, there are various other solutions that offer up to 5per cent discount.

Including, the Eastwest every day Titanium provides to 5% discount on essentials, however you should also invest in more classes.

Safety lender Complete Cashback try a competitor, too, since it supplies five-tiered rebates as high as 5percent on market, fuel, utilities, purchasing, and dinner.

Eastwest Bank regularly Titanium – up to 5% rebate on necessities

You can get as much as 5percent rebate on essentials including grocery store, energy purchases, and pharmacy shopping. It’s furthermore ideal for family to control your own non-essential and vital purchases.

But to be eligible for the 5% discount, you should invest at the very least P10,000 on various other paying classes, eg resort housing, dinner, recreation, and buying each billing cycle.

This cards provides a month-to-month discount limit of P1,000.

Security financial Complete Cashback – to 5% rebate on five expenses classes

This cashback credit provides around 5% rebate on these five investing classes: 5% on grocery store buys, 4percent on gasoline, 3% on tools, 2% on dining, and 1per cent on purchasing.

The best thing about this credit is the fact that for tools, they are not only limited to Meralco expenses. And you can have fuel online pawn shop in Oklahoma rebates at participating gasoline channels nationwide, whether your fuel right up at cover, Caltex or Petron.

Much like the EveryDay Titanium, this credit possess a discount cover of P1,000 every month.

Apart from the rebates you earn, additionally you receive advantage details. Obtain 1 benefit aim for every single P20 you spend. Use your collected points to receive atmosphere miles, vouchers, plus.

Therefore, what exactly do you might think regarding the Citi cash return credit? Do you think it matches your daily needs and general traditions? Write to us when you look at the remarks lower!