Citi Cash Back credit Evaluation 2019 – Get Rebates from regular dosage of costs

Have you got a nice place for rebates? The Citi cash return cards supplies around 6per cent rebate on supermarket expenditures and.

It’s recommended for everyday investing for moneysmart folks who love to receive rebates instead of rewards.

As of this publishing, should you sign up for the Citi Cash Back cards from now until Oct 31, 2019 acquire approved, you’ll see P5,000 well worth of SM gifts Pass as the welcome surprise.

Therefore let’s take a look at what the Citi money back cards is offering, plus their conditions and terms. See if this credit is truly a “daily amount of delight” as advertised.

How does the Citi Cash Back Card operate?

The Citi Cash Back credit is advised for those who spend more on food and resources. To obtain as much as 6per cent discount, you will need to utilize the credit on expenses groups eg fuel, drugstore buys, dining, and, and spend at the very least P10,000.

Take a good look at this sample calculation extracted from the official Citibank websites. The data are simply just advice and does not reflect on the statement of membership.

[ Source: Screengrab from Citi money back credit score rating page, 08 Oct 2019]

A family of four – investing P15,000 on market and Meralco expense, and P10,000 on gas, dinner, and enjoyment, are going to have an overall total cashback of P1,000 per statement month.

Once more, the figures will change dependent on a real purchasing.

You’ll be able to see doing P1,000 cash return per declaration month, that’s a total of P12,000 for the whole 12 months.

In summary, you receive these rebates providing you meet the stipulations.

If you’re not-living in Metro Manila, you have some second thoughts about this cards since the 2percent discount are fastened with Meralco, which can ben’t available in more provinces.

Essentially, this credit is much more suited to a family of 3-4 with a reliable money, residing in Metro Manila or even in the suburbs, and it has a monthly home expenditure of around P30,000.

If you’re merely starting at the office with on average about P20,000-P25,000 wages, this credit is certainly not a good fit. Your don’t wanna wind up overspending simply to get the 6percent discount when there are additional options for younger professionals as if you.

Just as the various other Citibank credit cards, you are able to this credit together with the #Love2Click advertisements for internet based discounts. Appreciate unique discounts at Zalora, Agoda, Booking.com and Winery Philippines, only to mention a couple of.

Exactly what do you receive from the Citi Cash Back credit card?

You’ll be able to get rebates at least of P1.00 plus in increments. The rebates are next paid to your account .

To redeem funds credits, you should log in to www.citibank.com.ph/thankyou or deliver an SMS, so long as you utilize the exact same mobile number you licensed with Citi. Just proceed with the style, RWDSREDEEMLast 4 digits of your Citi and deliver they to 29480 (e.g. RWDSREDEEM 1234 MONEY 100).

Remember the redeemed rebates aren’t considered payments your card and can’t be employed to counterbalance their minimal levels because of.

Additional options to Citi Cash Back Card

Any time you’re unhappy together with the Citi money back credit, there are more alternatives that provide as much as 5% discount.

For example, the Eastwest daily Titanium offers around 5per cent discount on necessities, nevertheless must also invest in different kinds.

Security Bank Complete Cashback is a contender, as well, since it offers five-tiered rebates as high as 5% on groceries, gasoline, resources, buying, and dinner.

Eastwest financial every day Titanium – to 5% rebate on fundamentals

You will get as much as 5% discount on essentials such as supermarket, energy transactions, and pharmacy shopping. It’s furthermore well suited for individuals to help you handle your own non-essential and important shopping.

But to be eligible for the 5% discount, you need to spend at the very least P10,000 on other paying classes, particularly hotel holiday accommodation, dinner, enjoyment, and looking for each billing pattern.

This card provides a monthly discount cap of P1,000.

Safety Bank Complete Cashback – up to 5per cent discount on five expenses groups

This cashback card offers as much as 5% rebate on these five purchasing classes: 5% on grocery store shopping, 4% on energy, 3percent on utilities, 2per cent on food, and 1per cent on shopping.

The best thing about this cards is for utilities, they are not just restricted to Meralco costs. And become gasoline rebates at participating fuel programs nationwide, whether you fuel up at Shell, Caltex or Petron.

Much like the on a daily basis Titanium, this credit has a rebate limit of P1,000 each month.

Besides the rebates you get, you enjoy benefit things. Make 1 incentive point each P20 you spend. Use your built up things to redeem air miles, vouchers, plus.

So, exactly what do you imagine in the Citi money back credit? Do you consider it meets your daily goals and overall lifestyle? Inform us within the opinions the following!