How to maximize your use of Citibank's Cashback Card

Photo credit: Citibank



First of all, this is for the Citibank Cashback card issued in the Philippines.

I love this card because you can get a maximum rebate of Php 1,000 per month. You can also do this with careful planning.

The cashback card is great only if you happen to be spending enough to get the rebate but if not, I suggest that you pick another card. The only reason I am even using this card is for purchasing things that my parents' needs.

So how does this actually work?
According to their terms....

Item                                                Rebate

Meralco                                          2%

Non-Meralco & non-grocery         0.2%

Grocery                                          6% (but only if Non-Meralco and Non-gro is Php 10k or more)


So, that's the deal breaker. You can only get a whopping 6% rebate on groceries if you can find a way to charge 10k of purchases to your credit card.

How do I do it?
I charge the following
-phone bills
-cellphone bills
-medicines
-water bill
-dining out.

All of that will make 10k for me.

I've also prepared a spreadsheet for people who want to check if they can also do this.

Computation Sheet