Citibank in the Philippines

This loan allows you to be ready for anything, anytime. With Citi Personal Loan, you can easily access cash through installment loan.

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Tagig, Philippines
Metro Manila: 8995 9999 Metro Cebu: 234 9999 From Abroad: +63 2 8995 9999,
Interest rate p.m. 1.99% - 3.14%
Loan tenure from 12 to 60 months
Approval duration Up to 24 hours
Min. monthly income

Product Features

Min. financing amount ₱ 10000
Max.financing amount ₱ 2000000
Min. loan tenure 12 months
Max. loan tenure 60 months


Personal Loan

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Interest Rates: 26,9% APR
Minimum loan amount: 10 000 PHP
Maximum loan amount: 2 000 000 PHP
Term: 1-5 years
Approval time: 24 hours
Disbursement fee: 1 750 PHP

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Citi Speed Cash

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Interest Rates:  40% APR (6 months); 41% APR (1-2 years); 39% APR (3-4 years); 37% APR (5 years);
Minimum loan amount: 10 000 PHP
Term: 6-60 months
Approval time: 24 hours

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Home improvement loan

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Interest Rates: 26.9% APR
Minimum loan amount: 100 000 PHP
Maximum loan amount: 2 000 000 PHP
Term: 6-60 months
Disbursement Fee: 1 750 PHP
Documentary stamp tax at P1.50 per P200 of your loan amount may also apply.
Approval time: 5-14 days

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Business expansion

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Interest Rates: 26.9% APR
Minimum loan amount: 100 000 PHP
Maximum loan amount: 2 000 000 PHP
Term: 6-60 months
Disbursement Fee: 1 750 PHP
Documentary stamp tax at P1.50 per P200 of your loan amount may also apply.
Approval time: 5-14 days

Calculate loan

Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

Borrower Requirements

– You are at least 21 to 65 years old
– You are a Filipino resident or a local resident foreigner with a valid Philippine billing address
– You have a Tax Payer’s Identification Number (TIN)
– You are a principal credit cardholder.
– Have a minimum gross annual income of Php 250,000.
– One (1) valid government-issued ID with photo and signature.
– For employed: Latest Income Tax Return (BIR Form 2316) or latest 1 month full pay slip
– For self-employed: Latest Income Tax Return (BIR Form 1701);
and Audited Financial Statements (AFS) of the business with independent auditor’s report and balance sheets and tax receipt.

Credit Card

Types of credit cards:

Cash Back credit cards:

Shell Citi® Card

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 PHP 10,000 per year
Shell Citi Platinum Exclusives:
Save as much as PHP 15,000 per year.
Enjoy 24/7 Emergency Roadside Assistance

Citi Cash Back® Card

Minimum income of PHP 180,000 per year
Age 21 or older
Fees No Annual Fees, No Late Payment Fees, No Overlimit Fees
10% Interest Back
– Up to 6% Cash Back on supermarket purchases
– Up to 2% Cash Back on Meralco bill payments through Citibank Online or Citi® One Bill®
– 0.20% Cash Back on all other purchase

Rewards credit cards:

Citi Grab Card

Accrual of points:
– 1 point for every PHP 30 spend
– Get 5x points + 5x bonus points on all your Grab spend, capped at PHP 10,000 spend per month (until June 30, 2020)
– Get 3x points on dining, entertainment and online subscriptions
– Enjoy a Platinum tier upgrade for the first six months

Citi Rewards Mastercard

Accrual of points:
– 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

Citi Prestige Card (Visa)

Accrual of points:
– 5x ThankYou points on local dining, shopping and all foreign currency spend
– Complimentary 4th night free at any hotel booked through the concierge, twice (2x) per calendar year*
– 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 calendar year

Mercury Drug Citi® Card (Visa)

Accrual of points:
– Earn 1 point for every PHP 200 spend
– Get 5x points on up to PHP 320,000 spend in Mercury Drug every month. Otherwise, you can still enjoy 1x point.
– Get 3x points on health, beauty and wellness spend including clinics, spas, gyms, salons and ALL hospitals.
– Get 3x points on foreign currency spend.
– Enjoy 24/7 ambulance service worth P10,000 within Metro Manila once a year.

Travel Cards:

Citi PremierMiles Card (Visa)

Earn fast 1 PremierMile for every PHP30 spend
Use anywhere 1 PremierMile = 1 airmile or hotel point with over 60 airlines and 8,000 hotels to choose from
No expiry Never-expiring miles; use anytime you want
VIP Access VIP lounge access at select lounges here and abroad with a FREE DragonPass Membership with two complimentary visits per membership year
Travel with Peace of Mind Up to PHP 1 million in insurance coverage when you charge your travel tickets to Citi PremierMiles
Free 30-Day Purchase Protection Purchases charged to your card are protected from accidental loss within 30 days from date of purchase. Terms & Conditions apply.

Annual Membership Fees

Card Type Principal Card Supplementary Card
Mercury Drug Citi P2,000 P900
Megaworld Citi P2,000 P1,000
Citi Rewards®, Megaworld Citi® P2,0001 P10002
Citi® PremierMiles®,
Rustan’s Citi® Gold
P2,500 P1,250
Shell Citi P2,500 (Gold)
P2,800 (Platinum)
P1,200 (Gold)
P1,400 (Platinum)
Citi Grab P2,500 P1,250
Citi Rewards P2,500 P1,250
Citi Simplicity+ No Annual Membership Fee No Annual Membership Fee
Charge2Phone Free NA
Citi Cash Back P3,500 P1,750
Citi PremierMiles P5,000 P2,500
Citi Prestige P12,000
*Non-waivable and billed in full on the first statement
*Free for the first seven supplementary cards
Citi Classic P1,500 P750
Citi Gold, Rustan’s Citi Gold P2,500 P1,250
Cebu Pacific Citi P2,800 P1,400


The longest loan period is 5 years.

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Application can be processed in as fast as 24 hours.

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A disbursement fee of 1 750 PHP shall apply.

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You do not require any collateral or guarantor to apply for a Personal loan.

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No, you don’t need to report money spent. You can use the money for a variety of personal needs, such as training, hospitalization, car upgrades, and paying bills.

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Citi Speed Cash is designed for small amounts from 10 000 PHP to 500 000 PHP.

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Full company name Citibank
Address Tagig, Philippines
Phone number Metro Manila: 8995 9999 Metro Cebu: 234 9999 From Abroad: +63 2 8995 9999
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Citibank Philippines 101: All You Need to Know About the Bank


Citibank is famous in the Philippines. Despite the fact that it may not be as large as BDO and BPI, it is still one of the premier banking destinations. The Citibank logo is recognizable to millions of Filipinos in the Philippines and abroad. Today, we will talk about Citibank NA in the Philippines in detail. We will discuss its main centers, the services it offers, what kind of loans you could get, user reviews, and more importantly, find out if you can get better services here than other banking networks in the Philippines.


Citibank history

Citibank is an old financial institution. It was founded in 1812 and was named City Bank of New York. After a while, the company was renamed as the First National City Bank of New York. Over a hundred years, the company grew into a multi-national company to what we know today.
Today, Citibank has more than 2,000 branches worldwide. In the Philippines, Citibank primarily operates in Metro Manila and some Class A cities and provinces in the country such as Cebu.
Globally, Citibank is one of the first banks that adapted a passbook-less banking system. It introduced the Citicard back in the late 1980s—a card that allowed its bankers to make transactions without a passbook. The Citicard also allowed customer to transact even in the absence of a teller.
Today, company is one of the advanced banks in the world, but the center is located in the United States, it also operates in Hong Kong and Mexico, there are branches in Asia, Singapore, Brazil and other parts of the world.


Citibank online

Citibank is on top of technology, and it does offer cashless and Citibank online systems to its customers. In the Philippines, the official website is It is on this Citibank online platform that customer could make many transactions and control their balance.

Here are some examples of what you may do with Citibank online portal:

    1. • Apply for a bankcard


    1. • Pay bills


    1. • Pay your credit or charge cards


    1. • Apply for loans and pay them


    1. • Paperless and online banking such as fund transfer transactions


    1. • Make investments in its various programs


    1. • Apply for a savings program where your funds are used to buy stock units


    1. • Log in to review your statement


    1. • Request for a supplementary card


    • See promo, get a voucher, or see the merchandise catalog

Like most banks in the Philippines, Citibank online has a wide array of services. As a company known to prioritize convenience, it is not unusual for Citibank to be one of the pioneers of using online technologies in the Philippines. In order to use their online technologies, you just need to log in to transfer transactions.

Citibank credit cards

Bank offers various credit cards to its customers, some of which do not even have an annual fee, and you may withdraw cash on credit immediately after activate the card. In this section, we will take a look at the different credit cards offered by Citibank and their respective perks.

  • Citi Simplicity – a Mastercard with no annual fees. With Simplicity, you get 10% back on interests if you pay your minimum payment on time. There are also no late payment fees , but there is a Paylite installment plan. With this card, you can enjoy discounts in many establishments in over 90 countries, plus you may apply for a Paylite installment plan for big-ticket items that you purchased.
  • Citi PremierMiles Mastercard – this product is focused on travel and is best used by people who travel by plane a lot. Using PremierMiles you get for every 30 pesos you spend – 1 mile that never expires. Once you get enough points, you could redeem your miles with flights and hotel bookings. Follow regular joint promotions by agencies such as Cathay Pacific & City Summer Sale and fly on the best terms via Hong Kong. Perhaps, thanks to the promotions, you will dining in the best restaurant in Singapore Land Tower or take advantage of the Dine For Free promotion as a nice bonus.
  • Rewards Cards – there are four types of rewards cards that Citibank offers.
    The first one is a Grab Card that awards 1 point for every P30 spent. The cap of expense is P10,000 p.m. You may exchange the points for travelling through Grab, Asia’s Uber counterpart.
    Another Rewards Card is the Mastercard Citi Rewards where you earn points that you could swap for flights, merchandise, or hotel bookings.
    The third one is called the Prestige Mastercard, where you get complimentary airport meet and care plus 4th night free in any hotel booked via the concierge.
    The last card is the Mercury Drug card where you could swap your points for medicines at Mercury Drug. It is like a prepaid card where you accumulate points in exchange for medicines. To learn how it works, visit the banks’ website.

Get your credit card report easily and simply – you can view and download your bankcard statement for up to 12 months in the Citi Mobile ® app. You can apply for any of these cards as a Supplementary one and use GrabPay loans for new cardholders + get a Grab Voucher or see the merchandise catalog.

You could use cards to buy concert tickets, like for ColdPlay, buy items from Lazada, or if you dine out. You may also use it for Dragonpass transactions or for reserving hotel rooms in Agoda. Citibank periodically holds promotions for cardholders, such as:

    1. • 10% discount on hotel reservations at Agoda


    1. • 20% Dragonpass discount on airport lounges


    1. • every Friday at Lazada – 10% discount


    • Catch the long-awaited COLDPLAY.

You cannot use the plastic for paying toll fees in highways but you may use it to buy EZ Cards.

All it takes to get one is to apply online, wait for the approval, and then wait for delivery to your address. You do not have to go to any branch. What you need to do is to wait for an email and activate the bankcard.

Citibank personal offers

If you are not looking for cards, you could avail of the bank’s personal offers such as Personal loans. Here are the benefits of this offer:

  • Get approved in as short as 24 hours
  • High Personal loan amount (maximum, 2 000 000 PHP)
  • Flexible repayment terms—pay the loan for up to five years.

You may use this Personal loan for housing, business expansion, personal growth such as education, paying other debts, holidays and vacations, and so much more.
Here are the eligibility requirements for a Citi-Personal loan:

    1. • 21 years old


    1. • be a Filipino citizen; if not, you must be a local resident with valid foreigner ID.


    1. • have a TAX ID.


    1. • have a credit or charge cards, and you should be the principal cardholder


    • Your annual income must at least be P250K.

To apply, you could head on the bank’s website and just click the Apply Now button.

Citibank special offers

From time to time to time, the bank works with other businesses to promote some special offers. Here are some examples:

  • Yellow Cab – get some treats from the Yellow Cab Pizza if you spend P3,000 with your Citibank credit card.
  • Café Lyon – 20% off Café Lyon against the total bill for your food and drinks; no minimum purchase amount.
  • Zubuchon – get 10% off from Zubuchon, a restaurant specializing in succulent roasted pigs. (Minimum spend – 2000 PHP).
  • Islas Pinas – get 15% off Islas Pinas, a restaurant specializing in Filipino dishes. The minimum bill should be 7500 PHP, and you must be comprised of a group of 15 people or more. The discount does not apply on holidays and special days.

Citibank is a huge banking corporation, and there are dozens of promotions that you may avail if you are a Citibank credit cardholder. To see all, you have to go to the bank’s website and browse the most current promo.
You could also participate in the friend referral program where you may get extra bonuses and perks. You will love banking services thanks to the friend referral program, where, thanks to a small prepaid payment, you may buy expensive goods, and thanks to the installment plan on a loan, redeem your pawns in pawnshops. It remains to choose a suitable card and after activation enjoy bonuses and careful spending.

Citibank loan calculator

The bank’s loan calculator is easy to use. Once you find yourself in the credit application page, all you need to do is to login to the site, go to the loan calculator area, and drag a slider to the amount of your designed loan. When you login to the site, you will easily find the interest rates and the monthly amortization of your loan.
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Citibank investing

Citibank centers offer 1 type of investment—the CFSI
Here, you may buy shares (Europe, US or Asia-Pacific) with option for cash conversion later. Here, you can buy stocks and shares with option for cash conversion later. The model used here is cost-averaging, where you can top-up your investment if you have the funds available after the investment activation is completed. You could also apply cash conversion at any time.
The bank has a guide where you may read about it, and you could also use what is called the Citi Model Portfolio.
With this model, you can decide what level of investment to accept. Depending on your risk appetite, you can invest in local stocks, global stocks, stocks from the US, Europe, Japan and new highly developed bonds.


Citibank savings

The most common type of savings account in Citibank is the Regular Savings account. Citibank also offers different types of advance banking services. You can open dollar accounts, e-saving accounts, and even the High Peso Rate Save account as advance banking services.
However, each savings account has a different perk and your perk depends on your deposit status. For the peso bonus, you can earn 2.04% in interest per year if you deposit at least P50,000. This amount is also the minimum status before you can apply for this savings account.
If you are working abroad, or if you have a relative who earns dollars, you can keep your dollars safe in the Citibank Dollar Saver account while letting it accumulate interest over time. With this account, you can use to withdraw and inquire your balance in over 13000 ATM locations worldwide.

Citibank contact number and branches near me

For transactions, the phone number of Citibank NA in the Philippines is 8995 9999, and for free financial verification, the phone number of Citibank NA is 8995 9888.These numbers, however, are for metro Manila. If you want to find out the address of other offices, you can call the client hotline or contact center, use the numbers below:

    • • Cebu hotline: 234 9999


    • • Other Provinces hotline: 02 8995 9999


    • • From Abroad: +63 2 8995 9999


    • Phone: 1 800 10 995 9111 toll free from other provinces through PLDT

If the question is not urgent, then you can write a message through the live chat, as there is no email for users. You can also do live chat if you want to know more about its promos, or if you want to file a dispute. If dispute is your issue, you need to sign a form from its online application.
Citibank has many branches in the Philippines, most of which are in Metro Manila. If you want to know branches near me, then pay attention to offices in cities:

    • • Makati


    • • Paseo de Roxas


    • • Greenhills


    • • Iloilo


    • • Alabang


    • • BGC


    • Eastwood.

Choose branch near you and come for a consultation, our managers will tell you in detail about all the offers you are interested in. In Each branch, whether it is Makati, Paseo de Roxas, Greenhills, Iloilo, Alabang, BGC or Eastwood work highly qualified specialists who can help you.


Citibank, being one of the biggest banks in the Philippines, is viewed as a bank for the middle class with great careers. The logo or sign speaks for itself. While this is not entirely true, it has an aura of a banking system that serves the privileged. The truth is that it provides the same services as local banks, so Filipinos can expect a higher level of service from Citibank because it is a Bank for the middle class with great careers.
Try Citibank and see the difference. You will love the banking service and online tools. As an international bank, you can enjoy its perks no matter where you are in the globe, plus you can also qualify in some if its promotions—prestigious types of cards where you get special treatment in many facilities while dining or travelling.


The administrator of the site, ruthlessly remove reviews containing advertising. Keeps the financial market of the Philippines under the radar.

User rating


7 months ago


So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement.

1 year ago

This Make my dream comes true.

It was quick, easy and seamless for existing CitiBank customers. I liked the discount on rates that you get for already having an account. The money came in extremely fast. The big downside (like most loans) is that it was sold to third party loan servicer so it doesn't stay under the Citizens umbrella

1 year ago

This is one of the best bank i have account in.

i am a 22 years young boy who actually want to start my own business. but most of the banks did not allow me to apply for the loan but this bank helps me a lot . now i have a good a stable business all thanks to CITIBANK.

1 year ago

CitiBank Is A Great Company

This it has really very good services of loans and it have great response time and also it provides me the facility of financial growth for my business and also it is good for the peoples like me who want to start a business and also provide great packages of loan. i really love it.

2 years ago

I guess Citi doesn't want my business

I opened Citi checking and savings accounts online and used EFT to transfer $15,000 from my local bank. Then a few days after the EFT cleared Citi sent the funds back to my local bank and sent me a letter saying I need to send the funds in a check by mail to their processing center, which I did. They also sent me a debit card and PIN and a welcome letter. Then they closed the account and I can't get anyone in customer service to tell me why. I'm employed and quite wealthy, a homeowner many years at the same address, with a FICO score of 830. I opened the accounts to get the $400 bonus, and intended to satisfy their requirements. I've wasted hours dealing with clueless customer service and equally unhelpful 'personal banker' representatives. Very frustrating. I guess Citi doesn't want my business, and from now on they won't get it.

2 years ago

I will never fall for the "invitations" from Citibank again

I received an invitation to open a checking account and a savings account and receive $400 opening bonus. Since there is no branch in my area, I opened them online and received confirmation that the opening balances have been received ($100 in C, $1000 in S) then I wired additional $14,000 to savings. Today (2/11) they can only find $100 in checking. After talking to many "specialists" I still have no idea where the funds are. I am going to forget the bonus and close the accounts. I will never fall for the "invitations" from Citibank again!!!

2 years ago

Citibank refused to refund my dispute charge $350 since 3 month ago

Citibank refused to refund my dispute charge $350 since 3 month ago. On Nov. 15th, 2018, I saw there is a unrecognized transaction ($350) on day of 10/26/2018 in my credit card ($350). I disputed the charge immediately and Citibank promised me that they will refund that credit to my account within 3-5 business days. However, 3 month later, They are still convincing to wait 3-5 days. I will sue them for $350 and the time and spirit I spent on it.

2 years ago

There is always a problem with Citibank's stupid website

There is always a problem with Citibank's stupid website. This week, the bank is conducting maintenance and as a result, I cannot see any of my checks online. An online representative told me that they can send me the image of the check I want to see in 24 to 48 hours but that I can open their e-mail with yet another stupid password. How absurd; 48 hours later I still have not gotten anything. If it was not such a hassle, I would've switched all my banking to Bank of America, which has a superb website.

2 years ago

BBB Complaint Filed

BBB Complaint Filed: End of November (for those still following at home). Last response: Feb 13. Okay so after another useless phonemail from Jessica today from some Executive office, she has wasted MY TIME AGAIN to state that they are not changing their decision on their faulty bullcrap addition of Payment Safeguard on MY ACCOUNT with NO PERMISSION despite my OTHER CARD BEING REFUNDED from the last lawsuit. Telling me I opted into this during a card activation is complete garbage. And then you tell me you tried to communicate about it twice years later? BULL.

2 years ago

My husband and I have had an account here for more than 13 years

My husband and I have had an account here for more than 13 years. We added a savings account but since I wasn’t with my husband my name wasn’t added. I went into the Elmhurst NY branch to see what I needed to do to get onto the savings and the person I talked to said, "Just bring your husband and yourself and your banking cards." Went in today with everything we needed and waited 2 hours, gave all the information and then got told that they couldn’t do it cause we needed proof of address even though I told them that we never moved. I only have a passport cause I don’t drive so I didn’t bring a utility bill with me. The lady said, "Anything with your name and address," so I showed her my online student loan that had my address and name. And she told me, "No, that isn’t good enough. It has to be government issued or utility." But she was willing to take my cellphone bill.

2 years ago

I contacted Citi the LiveChat

I contacted Citi the LiveChat (which they notify you is being recorded, aha) on their website. I asked the representative whether Citi would refund the Global Entry fee on the Citi credit card I have. He said yes and I re-asked couple times to be sure. He re-assured me they would refund the fee, I just have to call Citi. So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement. This time they told me they won't refund it. I let them know a Citi representative I chatted with told me they will and they said they'll open a case/claim with some Citi department that does have access to the chat history.

2 years ago

Do not get a checking account with Citibank

Do not get a checking account with Citibank! If you do you will regret it. You have been warned. As of right now there is a "block" on my checking account. I discovered this as I was trying to order food over the weekend. They left me with no access to my funds, no money, no food and no way to pay my bills. When I called they told me that I had to speak to a particular department and they are conveniently closed on the weekend. I was told that my account was restricted because I have another checking account. I was told to have two separate online banking accounts by Citibank. My goal was to have two separate debit cards so that I could use one for spending and my other account for bills. So they have essentially screwed me over because of something one of their representatives told me to do.

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