November 13, 2014

Citi Cashback Card

We’ve been loyal to our credit card company for the last several years because they are offering different promo like free Starbucks coffee, gas rebate and I can even convert my points to miles. They even waived our annual fee for the first few years but after that, they only waived half of the annual fee. 

Last year my husband decided to apply to Citibank so we’re now using the Citi Cashback Card. So far, we’re still happy with the card because we can get cash rebate. You can have up to 6% cash rebate on your supermarket expense, 2% on meralco rebate and 0.20% rebate on all other purchases charged to your card, e.g., gas, cellphone bills, travel expenses, online and boutique shopping, dining bills, department store purchases, tuition fees, gadgets, and appliances. 


Last May 2014, we redeemed our cash rebate. You need to call to use your cash rebate and it will be deducted on your amount due. At that time, per P500 ang pwede iredeem.

Last September 2014, we redeemed our cash rebate again and this time, you can use all your points. 


In less than a year, we were able to redeem P4693, not bad di ba. Big savings pa rin. I hope they will also waive our annual fee. According to them “Just spend at least P15,000 a month or P180,000 a year and your P2,800 principal card annual fee will be automatically waived”

19 comments:

  1. Nag apply rin si hubby ng Citibank Credit Card, and we use it sa grocery namin sa shopwise for the rebate nga, pero bakit ganon sabi ng customer service ng Shopwise Makati, hindi daw applicable sa kanila yung mga ganyan sa mga big store lang ng shopwise. Hayz. Kaya nga nag apply si hubby kasi sabi ng agent, may rebate sa shopwise. Huhu. Ang daya naman talaga..

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  2. That's good. I want same thing with my credit card. Wait, gotta check if that's possible. Haha. Clueless pa din ako until now about the perks of my card. Kasi naman! :P

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    1. Minsan, nakakatamad kasi magbasa. :)

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  3. This is really a big help for parents like us especially during these times when everything seems to be getting more and more expensive. Ang bilis maubos ng pera pero ang hirap kitain. It's really a good thing they have those cash rebates!

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    1. Yes, mahirap kitain pero mabilis maubos.

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  4. I am trying to get away from credit cards right now as I still need to re-stabilize my finances. Though I got a card from a different company a couple of years ago. I decided on getting that because of perks as well. Probably next time, I will try this. :D

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  5. Wow ha, this is good since naibabalik yung gastos - kahit papaano. Will try this Citi card next year, probably. :)

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  6. I don't have a credit card but ti seems like a good deal as long as your disciplined.

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  7. We use citi cashback also. :) Sana walang limit yung amount of cashback per month. Kasi it's like max of p1000 per billing period, noh?

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    1. Yes, there's a maximum rebate per month lang.

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  8. We have this too and the rebates are super useful for us. BTW, I didn't pay for the annual fee on our 1st year. :)

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  9. This is nice. Kami naman, since we are travelling often, we make use of miles for free tickets. As long as we keep track of finances, we will be good!

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    Replies
    1. Yes, it depends on your needs. As of now, we are using the card to earn miles din.

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  10. Yay. Good news ito sa mga creditcard holder, kami kasi matagal ng nagstop and did not get anymore creditcard since then, aminado ako before when we have cards( no children yet) eh magastos talaga. Until we realize, hindi na tama, so pina-cut nanamin and have it paid all.I agree, dapat disciplined tayo in every way we use credit card even on cash. :)

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    1. I know some people din na pinacut na lang and debit card na lang sila.

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