Citi Grab Credit Card Review 2022 – Up to 5X Rewards Points

citi grab rewards credit card review

The pandemic has changed how we buy products and services. Thanks to Grab app, you can now shop for groceries online or order food — all in just a few clicks. What’s more, you can enjoy discounts and free shipping on certain days, saving you money as a loyal user.

One thing’s for sure, now that the economy is slowly recovering, the traffic in Metro Manila is also slowly returning to its pre-pandemic status. Booking for a ride can also cost you around ₱300 to ₱500, especially during peak hours, even if the destination is just a few kilometers.

So, let’s see if the Citi Grab credit card is worth it in this review.

Citi Grab Credit Card Terms and Conditions

Annual Fee
  • Waived for the first year
  • ₱2,500 for the principal cardholder 
  • ₱1,250 for a supplementary cardholder
  • You can use rewards points to waive the fee
Minimum Annual Income
  • ₱250,000 if you have no credit card
  • ₱180,000 existing credit cardholder for at least 6 months
Monthly Interest Rate 
  • 2.00%
Cash Advance Fee
  • ₱200 per Citi Cash Advance
Late Payment Fee
  • ₱1,500 or the unpaid minimum amount due, whichever is lower
Overlimit Fee
  • ₱1,500
Card Replacement Fee
  • ₱400
Card Network
  • Mastercard

How does Citi Grab Credit Card work?

The Citi Grab credit card is ideal for consumers who regularly use Grab services like GrabFood, GrabMart, GrabExpress, and booking car rides. This co-branded credit card lets you save more on your Grab transactions and earn up to 5x Citi points.

If you have this card, you are entitled to have a Premium Tier upgrade for your first 6 months. In return, you have instant access to discounts, vouchers, prioritized booking on Grab rides, and more. Simply activate your card within 15 business days for the upgrade.

Enjoy worth of ₱2,000 Grab voucher when you the card to cash-in or top up ₱1,000 to your GrabPay wallet. The Grab vouchers are split into GrabFood and GrabExpress, which will be credited to your account within 15 business days after you top up your first ₱1,000.

That’s not all. Every card anniversary, you will receive ₱2,000 worth of Grab vouchers if you have accumulated spend of ₱120,000 in 12 months.

As of this writing, new Citi customers are eligible to receive ₱2,500 worth of GrabPay credits if they have accumulated at least ₱10,000 within 60 calendar days upon card approval. You must have a verified Grab account to receive this reward.

Other rewards points you can earn with Citi Grab Credit Card:

  • 1 Citi point for every ₱30 spend
  • 3x Citi points for dining, online subscription, and entertainment
  • 5x Citi points for accumulated spend of ₱10,000 per month
  • 50 GrabRewards points for approved application and credited to the Grab account within 15 business days

Citi Grab Credit Card other privileges and benefits

Aside from the rewards points, enjoy the privileges of amazing deals and discounts when you book with partner hotels. Just like Citi Rewards and other Citibank credit cards, you can use your Citi Grab Credit Card with the #Love2Click promotions for online deals. Enjoy exclusive discounts at Lazada, Zalora, Agoda,, and Winery Philippines, to name a few.

If you’re living in these cities where Grab services are available – Bacolod, Baguio, Bataan, Cagayan de Oro, Cebu, Davao City, Iloilo, Manila, Naga, and Pampanga – then this might be a good option for you to manage your transportation expenses every month while earning points.

If you already know your monthly expenses on transportation, then you can maximize this card, especially if you’re living in Metro Manila.

Even if you don’t use it for your Grab bookings, you can still enjoy the 3x rewards points on your dining, entertainment, and online subscriptions. But make sure you’re not overspending just to get the rewards points.

What can you redeem from Citi Grab Credit Card Rewards?

Collect more points whenever you spend in any category as a rewards card. Here’s a summary of what you can do with your Citi points.

Benefit Conversion Remarks
Pay less when you book for Grab rides 10 Citi points =  ₱1 off ₱100 off minimum redemption (1,000 Citi points) charged to credit card
Convert your Citi points to cash credits and use it to pay for credit card bill 10 Citi points =  ₱1 cash credit ₱1,000 minimum redemption (10,000 Citi points) charged to credit card 

As a rewards card, you’ll be collecting more points whenever you spend in any categories. You can use your Points to pay for your annual fee, redeem cash credits, and transfer them to GrabRewards for points.

Citibank may also send you reminders from time to time via SMS where you can use your Points to pay a full or partial amount of Grab bookings.

Other options for Citi Grab Credit Card

As of this writing, Citibank is the only one that offers a co-branded credit card with Grab. Other rewards cards like HSBC Red Mastercard offer up to 4x rewards points. But they don’t offer the same features as this card suitable for loyal Grab app users.

If you’re still thinking about which rewards card to apply for, here are the things you should look out for when choosing a rewards card.

Check these other rewards cards with reviews:

What do you think of the Citi Grab credit card? Will you be saving more on Grab transactions? Let us know in the comments below.