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Citibank Titanium Cash Back MasterCard...

ManilaBoy40 · 21 · 9034

ManilaBoy40

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on: Jan 16, 2011, 02:41 PM
   This is the best CC I have so far, with it's 5% rebates on all grocery purchased at any stores plus 5% rebates on Meralco and PLDT bills...These are all neccesities of life, and must be paid every single month so the savings really add up after a while plus you get that free movie ticket every time you spend P1,500...This card beats my Shell Visa card which offers 5% rebate on gas only, and a small 0.5% on everything else...  


 P.S. This card now requires a minimum spent of 10,000 per month to qualify for the 5% grocery rebate...
« Last Edit: Feb 09, 2012, 08:46 AM by ManilaBoy40 »


Ping

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Reply #1 on: Jan 22, 2011, 09:16 AM
Pero may "limit" yun monthly grocery rebate diba?

May option ka ba to convert the cashback into MabuhayMiles sa card na yan?  Sa Citi Shell kasi, wala eh, CASH REBATE na talaga.


 :hello:


ManilaBoy40

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Reply #2 on: Jan 28, 2011, 07:28 AM
Pero may "limit" yun monthly grocery rebate diba?

May option ka ba to convert the cashback into MabuhayMiles sa card na yan?  Sa Citi Shell kasi, wala eh, CASH REBATE na talaga.


 :hello:


    Sorry, pero alam ko wala option for conversion to miles on any citibank card...straight cash back only or points I think for reward catalog redemption, limit ng cash rebate is maximum of 12K  annually...  :hello:
« Last Edit: Jan 28, 2011, 07:29 AM by ManilaBoy40 »


GoodSteward

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Reply #3 on: Jan 28, 2011, 08:33 AM
@ManilaBay, may monthly minimum spend siya? Are there any cons? Thanks!


ManilaBoy40

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Reply #4 on: Jan 28, 2011, 05:17 PM
@ManilaBay, may monthly minimum spend siya? Are there any cons? Thanks!

   No minimum monthly spend requirements, for example if you spend only 1K per month on groceries on this card then you will only get 50 pesos cash rebate for the entire month...pero credit back lang ito to your account onced it accumulates to 250 pesos, so in this case mag iintay ka pa ng 5 months!    :cool2:
« Last Edit: Jan 28, 2011, 05:20 PM by ManilaBoy40 »


rangel

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Reply #5 on: Jan 29, 2011, 12:23 AM
nice nga tong cc na to....waived na ang annual fee kapag min 15K monthly ang charges mo..kaso too many na kong cards..enough. :hihi:


puberer

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Reply #6 on: Jan 29, 2011, 06:19 AM
^ kahit di na nila i waive ang annual fee ko,  wag lang ako mag swipe ng worth 15k per month.  parang sinabi mo nang binabaon mo sarili mo sa utang niyan.   :hello: 

nadadaan naman sa magandang usapan yang pag waive ng annual fee.  since madami ka naman card, pag meron hindi nag waive ng fee mo, cut mo na agad.  yan ay kung di ka baon sa utang sa kanila. 




Ping

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Reply #7 on: Jan 29, 2011, 07:04 PM
Tanong po, sana may nakaka alam ng sagot.

Here's the situation - your credit limit is only P10,000 and you wanted to purchase something worth P20,000.  Can you pay P10,000 in advance; thereby giving you an effective credit limit of P20,000?  Pwede ba yun?


 :D


puberer

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Reply #8 on: Jan 29, 2011, 07:26 PM
sir kami naman, pag mataas sa credit limit ang price ng appliance na bibilhin namin, we pay in cash kung magkano ang kulang



Ping

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Reply #9 on: Jan 29, 2011, 07:30 PM
^ online payment kasi eh ... hehehe... tsaka habol ng miles!

 :cool2:



rangel

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Reply #10 on: Feb 01, 2011, 12:01 AM
Tanong po, sana may nakaka alam ng sagot.

Here's the situation - your credit limit is only P10,000 and you wanted to purchase something worth P20,000.  Can you pay P10,000 in advance; thereby giving you an effective credit limit of P20,000?  Pwede ba yun?


 :D


Well you could do that..kaso for sure you'll be slapped with two types of charges. An overlimit fee (P500.00)* and a cash advance fee of 4%* of transacted amnt or P375.00* whichever is higher..so unless the points you'll aiming is more in value than those charges then oks lang. Bdway it is so easy to ask for a credit limit increase.. a few click of the mouse or a phonecall away lang. (well it depends din sa credit history mo)

Cash advance is a BIG no no for me unless it's an emergency case...talong talo ka dito me upfront charges agad.

* based on Std Chrtrd Bank CC computation.

Post Merge: Feb 01, 2011, 12:07 AM
^ kahit di na nila i waive ang annual fee ko,  wag lang ako mag swipe ng worth 15k per month.  parang sinabi mo nang binabaon mo sarili mo sa utang niyan.   :hello: 

nadadaan naman sa magandang usapan yang pag waive ng annual fee.  since madami ka naman card, pag meron hindi nag waive ng fee mo, cut mo na agad.  yan ay kung di ka baon sa utang sa kanila. 


Well wala ko magagawa bro, Have to pay eh...lahat kase ng house utilities ko nakakarga sa mga cards, groceries/GAS/etc. pati for my konting luho (hobby)...My two most used cards  nag aaverage ng 20K each ang monthly bills ko. Thanks for the online payment it no more missed bills..me alarm advisory pa.
« Last Edit: Feb 01, 2011, 12:07 AM by rangel »


Ping

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Reply #11 on: Feb 01, 2011, 07:24 AM
This is funny, I called Citibank hotline twice yesterday.  One during the morning, and one in the afternoon.

The first agent told me, NO, it is not possible.  Any transaction over my registered credit limit "might" be rejected when a purchase is made.

On the afternoon, for lack of better things to do probably, I called them up again, and asked the same question.  This time, another agent said YES, it is very possible, and she is quite sure and replied with more conviction. 

Well, I just have to try it soon. 


Getting an increase in credit limit is easy alright, but there's a ONCE-EVERY-6-MONTHS request only.  And I agree, cash advance using your credit card is a no-no!!


 :D


Ping

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Reply #12 on: Feb 03, 2011, 09:17 AM
Tanong po, sana may nakaka alam ng sagot.

Here's the situation - your credit limit is only P10,000 and you wanted to purchase something worth P20,000.  Can you pay P10,000 in advance; thereby giving you an effective credit limit of P20,000?  Pwede ba yun?



What do you know, it worked!!!!

Now, they even owe me hahahah






 :D


naomibatac

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Reply #13 on: Feb 07, 2012, 07:24 PM
   This is the best CC I have so far, with it's 5% rebates on all grocery purchased at any stores plus 5% rebates on Meralco and PLDT bills...These are all neccesities of life, and must be paid every single month so the savings really add up after a while plus you get that free movie ticket every time you spend P1,500...This card beats my Shell Visa card which offers 5% rebate on gas only, and a small 0.5% on everything else...  :applause:


 P.S. If anyone else has a better card, please let me know... :thankyou:

This is good information, thank you for sharing.


ManilaBoy40

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Reply #14 on: Feb 09, 2012, 08:50 AM
This is good information, thank you for sharing.

The information I wrote was more than 1 year ago and this card is much different now and I'm planning to cancel it very soon ...


 


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