
Government travel card citibank application -
You just received your first government travel charge card — the federal government’s version of a corporate travel credit card. But before your Wolf of Wall Street fantasies about perks and points come alive, it’s best to learn a bit more about the government charge card program, what’s expected of you as a cardholder, and how to use the card appropriately (and legally).
Within this article, we explore the basics of the government travel charge card program (specifically, the Department of Defense’s Travel Card program), the different types of charge cards offered, and how to obtain a card. Additionally, read on for some savvy tips on how to use (and how NOT to use) your government charge card so that you remain in control and out of trouble.
What Is a Government Travel Charge Card (GTCC)?
A government travel charge card (GTCC) is a commercial credit card offered to Department of Defense personnel (both military and civilian) to pay for costs related to government-specific travel. For military members, this may include permanent change of station (PCS) moves and temporary duty (TDY) assignments so that the servicemember doesn’t have to pay for work-related expenses out of pocket.
Currently, credit cards issued under the GTCC program are by the commercial partner, CitiBank. However, the program itself is managed by DoD program coordinators within the Defense Travel Management Office (DTMO), who provide troubleshooting assistance to servicemembers and federal employees. While CitiBank issues GTCC credit card statements, DTMO remains the principal agency for setting policy regarding GTCC use.
Obtaining a Government Travel Charge Card
In general, military members will not have access to the GTCC program until it becomes a job requirement. Those who become eligible for holding a GTCC must first complete an online training course and then be invited to apply for the card through CitiBank.
Types of Government Travel Charge Cards
There are two main classifications for government charge cards:
- Individually Billed Accounts (IBAs)
- Centrally Billed Accounts (CBAs)
Individually Billed Accounts (IBAs)
Individually Billed Accounts are issued to servicemembers for travel and travel-related expenses, and with these types of cards, the servicemember is responsible for settling the account.
The Standard card options within this category are typically issued to those with a 660 or higher credit score and have a credit limit of $7,500.
In contrast, the Restricted card option is issued to those with lower credit scores (500-659) and has a lower credit limit of $4,000. Restricted government charge cards are closely monitored and sometimes deactivated during periods when travel has not been approved.
Centrally Billed Accounts (CBAs)
Centrally Billed Accounts can also be used to pay for travel expenses.
These cards are settled directly by the U.S. government (so the cardholder has fewer personal responsibilities) and have limited use. Unlike Individually Billed Accounts, where the servicemember is personally liable for card charges, Centrally Billed Accounts assume government liability.
Uses of a Government Travel Card
Approved uses of a government travel charge card include, but are not excluded to:
- Lodging
- Meals (*not including alcohol)
- Rental car
- Fuel/gas
- Transportation (e.g. airfare, train, etc.)
For additional guidance on what constitutes “official travel,” see page 14 in the GTCC Regulations (2020) and the newly amended Joint Travel Regulations (2021).
The Rules of a Government Travel Card
How to Responsibly Use Your Government Travel Card
Responsible use of your government charge card entails three main activities:
- Ethical use of the card for official government travel expenses only;
- Timely and accurate reporting of charges (often with printed receipts!);
- Timely payment of the card’s balance
The cardinal rule to follow: the government charge card is not to be treated as a personal card in any way. It should be used only for official travel (commuting to work or going on a family vacation do not constitute “official travel”).
Following the travel event (e.g., PCS or TDY), cardholders are expected to submit a “travel claims” report within five days of its conclusion in the Defense Travel System. This should include scanned receipts of individual charges as well as amounts (foreign currency charges must be converted into U.S. dollars), dates, and descriptions.
Additionally, cardholders with Individually Billed Accounts are responsible for ensuring that the government travel card is ultimately paid off. When entering trip report details in the Defense Travel System, cardholders are encouraged to use the split disbursement option to ensure that the servicemember is reimbursed for all out-of-pocket expenses and per diem rates while at the same time the charges on the government credit card are settled in full.
Incorrect Uses of a Government Travel Card
Although it isn’t difficult to imagine the multitude of ways that servicemembers can get into hot water for misuse of government travel cards, the most common missteps involve:
- Using the card for unofficial/non-approved travel or personal use
- Overspending
- Incorrect use of split disbursement feature
- Failure to submit timely and/or accurate travel report in DTS
- Failure to pay card balance on time
- Including alcohol on receipts for DTS submission
In addition to accruing late fees, which begin at 75 days past the due date, cardmembers can have their accounts suspended or terminated for improper use of a government travel charge card. For more serious offenses, servicemembers may receive formal counseling, an Article 15, or even a court-martial. Therefore, it’s best to be on the safe side and remember the basics for proper GTCC etiquette:
- Use only for official/approved government travel;
- Provide a timely and accurate report in DTS, utilizing the split reimbursement option;
- Ensure that GTCC is paid off in full by the due date
Resources & Contact Information
For more information on the Department of Defense government travel charge card:
Citi Customer Service: 1-800-200-7056 (or 757-852-9076 when calling collect)
GTCC Travel Assistance Center: 1-888-HELP1GO (1-888-435-7146)
Citi’s Department of Defense Travel Card Webpage
Email for Department of Defense Travel Card Helpdesk
Department of Defense GTCC Regulations (2020)Department of Defense Joint Travel Regulations (2021)
Best Credit Cards of November 2021: Reviews, Rewards & Offers
Best Flat-Rate Cash Back Card
Citi® Double Cash Card
Up to 2% Reward Rate
First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More
Regular APR
13.99% - 23.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
The Citi Double Cash card's simple cash back structure and long lasting APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases, plus a long-lasting 0% intro APR offer, all without an annual fee.
Pros & Cons
- Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
- No cash back cap—no limit on the amount of cash back that can be earned
- No annual fee
- Introductory APR period for balance transfers
- Foreign transaction fee
- Balance transfer fee
- Lack of benefits seen in other no annual fee cards
- No introductory 0% APR on purchases
Card Details
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Best Entry-Level Travel Card
Chase Sapphire Preferred® Card
Up to 5X Reward Rate
Earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all otherRead More
Welcome Bonus
60,000 points
Regular APR
15.99%-22.99% Variable
Credit Score
Excellent/Good (700 - 749)
Why We Picked It
Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel rewards are only for bookings through Chase
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Best Cash Back Card
Chase Freedom Flex℠
Up to 5% Reward Rate
Earn 5% cash back on eligible purchases in rotating categories, 5% on Chase travel purchased through Chase Ultimate Rewards®, 3%Read More
Regular APR
14.99% - 24.74% Variable
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Card Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% – 24.74%.
- No annual fee.
Best Card for Dining
American Express® Gold Card
On American Express's Secure Website
On American Express's Secure Website
Up to 4X Reward Rate
Earn 4X Membership Rewards® points at restaurants, including takeout and delivery; Earn 4X Membership Rewards® points at US supermarkets onRead More
Welcome Bonus
60,000 Membership Rewards® Points
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good (700 - 749)
Why We Picked It
Foodies and travelers can leverage the American Express® Gold Card to the hilt, earning up to 4x points. The annual fee may seem intimidating, but by using the included benefits and doing some spending, it's easy to come out ahead.
Pros & Cons
- High rewards earnings possibilities
- Points transfer option to many partners
- Add up to 5 authorized users for no additional annual fee
- Can choose from regular or rose gold versions
- No lounge benefits
- Limited options to carry a balance
- High APR for pay over time feature
- High pay over time penalty APR
Card Details
- Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
Best Travel Card for Transfer Partners
Chase Sapphire Reserve®
Up to 10X Reward Rate
5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
50,000 points
Regular APR
16.99%-23.99% Variable
Credit Score
Excellent (750 - 850)
Why We Picked It
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards or when using the Pay Yourself Back feature nets you a 50% bonus.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase, or for select purchases through Pay Yourself Back℠ program
- Points transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best for Luxury Travel Benefits
The Platinum Card® from American Express
On American Express's Secure Website
On American Express's Secure Website
5X Reward Rate
Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards perRead More
Welcome Bonus
100,000 Membership Rewards® Points
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good (700 - 749)
Why We Picked It
The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card's staggering annual fee is well justified.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- High annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Best Airline Credit Card
Delta SkyMiles® Reserve American Express Card
On American Express's Secure Website
On American Express's Secure Website
Up to 3X Reward Rate
Earn 3X Miles on Delta flights and Delta Vacations®; Earn 1 mile per dollar for all other eligible purchases youRead More
Welcome Bonus
50,000 Miles
Regular APR
15.74%-24.74% Variable
Credit Score
Excellent/Good (700 - 749)
Why We Picked It
It makes sense for Delta high-fliers to grab the top-of-the-line Delta SkyMiles® Reserve American Express Card. The access to Sky Club alone helps justify the annual fee for frequent Delta flyers, then add in the annual companion certificate for eligible domestic flights (plus taxes and fees), free first checked bag when you fly Delta, priority boarding, and bonus MQM miles toward Elite status. However, the mediocre miles earning rates reduce the card's overall appeal.
Pros & Cons
- Rich Delta perks, including a free first checked bag and priority boarding on Delta flights
- Access to Delta Sky Club airport lounges when flying Delta
- Annual companion certificate good for both economy and first class
- High regular APR
- Mediocre earning rates on rewards
- Companion Certificate only valid on domestic flights
- Sky Club access is only for one person
Card Details
- Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.
- Enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy your first checked bag free on Delta flights.
- Earn 3X Miles on Delta purchases.
- Earn 1X Mile on all other eligible purchases.
- No Foreign Transaction Fees.
- $550 annual fee.
- Terms Apply.
- See Rates & Fees
Best United Card
United Club℠ Infinite Card
Up to 4X Reward Rate
Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and diningRead More
Welcome Bonus
100,000 miles
Regular APR
16.49% - 23.49% Variable
Credit Score
Excellent (750 - 850)
Why We Picked It
United's top-tier card offering ups its game with 4 miles per dollar earnings on United purchases. A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee.
Pros & Cons
- No foreign transaction fee
- United Club membership is worth more than the annual fee
- First and second checked bag free when you pay for your flight with your card
- Very high annual fee
- No intro APR offer
- High regular APR
Card Details
- Earn 100,000 Bonus Miles
- Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining including eligible delivery services
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry or TSA PreCheck® fee credit
- Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Infinite Card.
Citigroup's Jane Fraser is doing the unthinkable on Wall Street




Published: February 4, 2021
Updated: November 23, 2021
Posted by: Venus Zoleta Moneymax" width="1200" height="628">
Citibank is known for its fast credit card approval and delivery time. It usually takes only one to two weeks to get a Citibank credit card application approved and a few days to receive your new card.
In contrast, other banks make you wait for a month or longer to process your application, and another one to two weeks to deliver the card.
Citibank also has one of the easiest credit card application systems in the Philippines. You can do a walk-in application at a Citibank branch or deal with a credit card agent. However, the simplest and most convenient way to submit a Citibank credit card application is online.
Table of Contents
Steps to a Citibank Credit Card Online Application

1. Ensure You’re Eligible for a Citi Credit Card
You can apply for a Citi credit card if you meet these eligibility requirements:
- Age 21 or older
- Have an annual income of at least PHP 180,000 for existing cardholders or at least PHP 250,000 for first-time credit card applicants
- Have an active landline or mobile phone number
- A valid TIN or SSS/GSIS number is also required
Take note that Citi will accept your Citibank credit card application even if you don’t have a deposit account with the bank.
2. Prepare the Citi Credit Card Requirements
If you have a credit card with Citibank or another bank, you only need a valid government ID to push through with you Citibank credit card online application. If you don’t have a credit card yet, you need to submit a couple of documents.
Citibank Credit Card Requirements:
- Valid government ID
- Payslip or income tax return
- Certificate of employment (with signature)
- Bank statement of your payroll account that shows your one-month salary
Scan or take photos of these Citibank credit card requirements. You’ll have to upload the images later when you start your Citibank credit card application online.
3. Choose the Right Citibank Credit Card for You
Citibank offers eight credit card types that fit different budgets and spending habits. Take a look at their features and fees and apply for a card that best suits you.
📌 Citi Simplicity+

- Annual fee: No annual fee for life
- Features: No late payment fees and overlimit fees
- Minimum monthly income: PHP 20,833
- Ideal for: individuals who want less card fees
📌 Citi Rewards Card

- Annual fee: PHP 2,500. No annual fee for life if you apply until March 31, 2021.
- Features: Get 3x points on shopping and dining purchases. Non-expiring points — use your points anywhere, anytime!
- Minimum monthly income: PHP 20,833
- Ideal for: individuals who frequently shop and dine
📌 Citi Cash Back

- Annual fee: PHP 3,500
- Features: Get 6% cash back on supermarket purchases, 2% cash back on bills, and 0.20% cash back on everything else.
- Minimum monthly income: PHP 20,833
- Ideal for: individuals looking to save money on essentials
📌 Citi Grab Card

- Annual fee: Waived on the first year. PHP 2,500 after.
- Features: Get 10x points on every PHP 30 spend and get PHP 5,000 GrabPay credits on your first PHP 10,000 spend. Plus enjoy exclusive deals on Grab rides, GrabFood, and GrabExpress.
- Minimum monthly income: PHP 20,833
- Ideal for: frequent users of Grab services
📌 Citi PremierMiles Card

- Annual fee: PHP 5,000
- Features: Earn 1 PremierMile for every PHP 30 spend. Get free travel insurance coverage up to PHP 1 million.
- Minimum monthly income: PHP 30,000
- Ideal for: individuals who travel for leisure or business
📌 Mercury Drug Citi Card

- Annual fee: PHP 2,000
- Features: Earn 5x rewards points on Mercury Drug purchases and 3x rewards points on health, beauty, and wellness spend on clinics, spas, gyms, salons, and hospitals. Plus get 24/7 ambulance service worth PHP 10,000 within Metro Manila once a year.
- Minimum monthly income: PHP 20,833
- Ideal for: individuals who often spend on health and wellness
📌 Shell Citi Card

- Annual fee: PHP 2,500
- Features: Get up to 5% rebate on Shell Fuel purchases, AutoSweep RFID and EasyTrip tollway load purchases, auto repairs, accessories, and car services nationwide.
- Minimum monthly income: PHP 20,833
- Ideal for: individuals who drive on a daily basis
📌 Citi Prestige Card

- Annual fee: PHP 12,000
- Features: Earn 5x rewards points on shopping, dining, and foreign currency spend. Get unlimited access to over 1,000 VIP airport lounges worldwide.
- Minimum monthly income: PHP 83,333
- Ideal for: individuals looking for more VIP perks
Compare the benefits, rewards, annual fees, interest rates, and other features of these Citibank credit cards so that you’ll know which one suits you best.

4. Fill Out the Online Citi Credit Card Application Form
Once you’ve decided on the Citi credit card to apply for and have all the requirements ready, you can proceed with the Citibank credit card online application.
How to Apply for a Citibank Credit Card Online:
- Visit the online credit card application page[1]
- Click the “Apply Now” button next to your chosen Citi credit card. This will take you to the online application form for Citibank credit cards.
- Tick the appropriate responses to the questions from Citibank (“Do you have a principal credit card with another bank?”)
- Fill out the Citibank credit card application form. You’ll be asked to provide your contact details, personal information, and employment data.
Concerned about the security of your personal data online? Worry not because Citibank uses 256-bit encryption[2] for its online facility. This makes it hard for hackers to access your sensitive data.
When you’ve completed the form, you’ll get your qualification result online based on your responses. Citibank will let you know right away whether you can or cannot go ahead with the next step of your credit card application process.
5. Submit Your Supporting Documents
If you’re qualified, the next step is to upload the images of your income documents on Citi’s online application facility.
When you’re done, all you have to do is to wait for five to seven banking days for Citibank to verify the documents you’ve sent and to approve your application. You’ll receive your Citi credit card in around four days.
How Can I Check My Citibank Credit Card Application Status?
Follow these steps to check the status of your Citi credit card application.
- Call the Citibank credit card customer care hotline: 995 9999.
- Press *2.
- Press 1.
- Key in your application ID or TIN.
- Press #.
Final Thoughts
Applying for a Citibank credit card is fast and easy as long as you meet all requirements and follow the Citibank credit card application steps correctly. Good luck and use your credit card wisely!
Find the right credit card for you at Moneymax!

Sources:
Venus Zoleta
Venus is the Head of Content at Moneymax, with 15+ years of experience in digital marketing, corporate communications, PR, and journalism. She invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Outside of work, she’s crazy about cats and Korean dramas. Follow Venus on LinkedIn.
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