Best Citi Credit Cards in 2021 — Ranked!

I get a lot of questions on what my favorite Credit Card is among the ones I have and it’s my Citi PremierMiles. I’m so happy to announce I am now a Citi Affiliate partner!

I wanted to rank the top Citi Credit Cards for you: 👇🏻👇🏻👇🏻

1. 𝐑𝐞𝐰𝐚𝐫𝐝𝐬 𝐂𝐚𝐫𝐝 (Apply here)
– This is the Citi Credit card I recommend the most nowadays. It offers a lot of similar perks that my credit card has plus more options other than travel perks.
> P30 = 1pt
> 3x on points when you shop/dine
> Redeem on cash credits, merchandise, gadgets
> FREE annual fee for life if you spend P20,000 in the first 60 days (Promo until Feb 28; normally, it’s P2,500/yr)
> Requires P180,000 annual income (with proof—ITR/Payslip/etc)

2. 𝐂𝐚𝐬𝐡𝐛𝐚𝐜𝐤 𝐂𝐚𝐫𝐝 (Apply here)
– This is great if you have a big household and you pay for almost everything.
> Gives you rebate/cashback on almost all your purchases plus a higher % on supermarket transactions & Meralco (max P15,000/yr)
> P4,500 annual fee/yr
> Welcome gift : P5,000 SM GC (Spend P20,000 first 60 days)
> Requires P180,000 annual income (with proof—ITR/Payslip/etc)

3. 𝐒𝐢𝐦𝐩𝐥𝐢𝐜𝐢𝐭𝐲+ 𝐂𝐚𝐫𝐝 (Apply here)
– This is almost better than the Cashback because of how easy it is to apply to this card. Great for Beginners/First Credit card holders so you can build “credit” and apply for other cards in the future.
> No Annual Fees
> No Late payment fees (with interest though so pls pay in full every month)
> Requires P180,000 annual income (with proof—ITR/Payslip/etc)

4. 𝐏𝐫𝐞𝐦𝐢𝐞𝐫𝐌𝐢𝐥𝐞𝐬 𝐂𝐚𝐫𝐝 (Apply here)
– This is the card I use and I love how it lets me travel for free, essentially. This is great although I understand that travel is definitely a luxury not everybody is thinking about these days.
> P48 = 1pt (P30=1 premiermile; 1.6 premiermile = 1 mile)
> Redeem on cash credits, flights, hotels
> Airport Lounge access
> P4,500 annual fee/yr
> Welcome gift : 30,000 Miles (Spend P40,000 first 60 days- until Feb 28, 2021)
> Requires P360,000 annual income (with proof—ITR/Payslip/etc)

5. 𝐏𝐫𝐞𝐬𝐭𝐢𝐠𝐞 𝐂𝐚𝐫𝐝 (Apply here)
– A Boujee card. Definitely for the “1%” haha
> P30=1 pt
> 5x on points when you online shop/dine/foreign currency spend
> Redeem on cash credits, merchandise, gadgets
> Dedicated Hotline (like a secretary you can ask to book flights/hotels/cars/etc for you)
> Airport Lounge Access and more +++
> P12,000 Annual Fee/yr
> Welcome gift : P18,000 Rustan’s GC (Spend P40,000 first 60 days-this was until Dec 2020 but it might come back 🤷🏻‍♀️ )
> Requires PXXX,000 annual income (yep, they don’t disclose this 😂 )

Bonus: 𝐒𝐡𝐞𝐥𝐥 𝐂𝐚𝐫𝐝 (Apply here)
– Great if you have a business that refuels a lot (trucking, taxi, etc)
> 5% rebate on Shell fuel (at least P10k/month spend-cap at 15k or 10k/yr)
> 5% rebate on auto repairs, accessories and services
nationwide.* (conditions apply)
> Welcome gift : P5,000 Shell GCs (Spend P20,000 first 60 days)
> Requires P180,000 annual income (with proof—ITR/Payslip/etc)

Note: Credit cards can be a great tool to get some rebate/rewards/perks for spending money you’re already gonna spend anyways. With that said, please be responsible in using them, they are not free money and you must always pay your card in FULL every month (none of that minimum due BS)

Links to Credit Card videos I’ve made in the past:

My Credit Cards:
Credit Cards 101:

Disclaimer: These are affiliate links and Citibank will give a commission for every successful application. If you choose not to use my links, all the perks, etc stay the same. If you do, thank you, it helps out the channel a lot.

Leave a Comment

Your email address will not be published. Required fields are marked *