Mercury Drug Citi Rewards Card Review 2022

mercury drug citi card review 2022

Purchasing medications regularly? It can be overwhelming to buy on-site these days as COVID-19 cases are increasing in the metro and nearby provinces. Fortunately, one of the big pharmacies like Mercury Drug lets you order online and pay for your purchases.

If you’re looking for a credit card that offers rewards points from your health and wellness transactions, then you might want to check out the Mercury Drug Citi Rewards Card. Let’s find out if this credit card from Citibank is worth its features, benefits, and rewards.

Annual Fee
  • Waived annual fee for life if you apply from now (valid until February 28, 2022)
  • P2,000 for principal cardholder 
  • P900 for supplementary cardholder
Minimum Annual Income
  • P180,000 (existing cardholders)
Monthly Interest Rate 
  • 2.00%
Cash Advance Fee
  • P200 flat fee
Late Payment Fee
  • P1,500 or minimum amount due whichever is lower
Overlimit Fee
  • P1,500 or the highest overlimit amount during the billing period
Card Replacement Fee
  • P400
Card Network
  • Visa

How does Mercury Drug Citi Rewards Card work?

Mercury Drug Rewards Citibank Card allows you to earn points whenever you buy items from Mercury Drug Stores, non-Mercury drugstores, and other health and wellness stores.

For every P200 you spend anywhere, you earn 1 rewards point such as Non-Mercury Drug stores. That said, 1 rewards point is equivalent to P200. You earn 3x rewards points for health and wellness transactions such as clinics, gyms, spas, salons, and hospitals. In addition, you earn 3x rewards points on both offline and online foreign transactions.

You earn 5X rewards points for Mercury Drug transactions on all your monthly spending capped at P320,000. If you exceed this amount every month, you will earn 1 reward point. On your first swipe of the card, you earn 300 bonus points for your purchase with a single receipt of at least P300.

The minimum annual income required for new applicants is P250,000, but for existing cardholders, whether in other banks or Citibank, it’s only P180,000.

What are the other features of the Mercury Drug Citi Rewards Card?

Aside from earning up to 5x rewards points, this credit card also gives you other perks, such as free ambulance service once a year (worth P10,000) within Metro Manila.

The annual fee is waived for life, a promo valid until February 28, 2022, for new customers only. According to its terms and conditions, you must spend at least P20,000 within the first 60 days from the time you receive the card.

You can access your credit card transactions and track your spending and reward points through the Citibank mobile app. You can also lock and unlock your card, so you are in total control of when to use your card and prevent fraudulent transactions.

Other options to Mercury Drug Citi Rewards Card

The great thing about the Mercury Drug Citi Rewards card is that you still earn rewards points regardless of the spending category. But if you’re looking for other options, you might want to explore other cards from EastWest Bank and Metrobank.

EastWest Dolce Vita Titanium Mastercard (P100 = 1 rewards point or 1 Charm)

You earn 1 Charm for every P100 you spend on beauty, health, and wellness transactions with EastWest Dolce Vita Titanium Mastercard. Swipe and pay at any partner merchants to enjoy discounts and privileges. For foreign transactions, you get a conversion rate of 1.70% only.

Use your accumulated points or charms to redeem e-gift certificates or pay for merchandise at partner merchants. The annual fee is P2,000 for the principal cardholder, and it’s waived for the first year.

Metrobank Femme Signature Visa (P20 = 1 rewards point and 3X rewards point on hospital bills, hotel accommodations, spas, salons, and overseas transactions)

Metrobank Femme Signature Visa gives you 1 reward point for every P20 you spend and 3X rewards points for your purchases on hospital bills, hotel bookings, spas, salons, and foreign transactions.

Enjoy the 0% installment program when you purchase items from partner merchants and pay your big-ticket items with flexible payment terms of 3, 6, 9, 12, 18, and 24 months. You can redeem exciting items from the Rewards catalog for your accumulated rewards points.

Final Thoughts

Mercury Drug Citi Rewards card is one of the few health and wellness credit cards that offer rewards points in different spending categories. If you regularly purchase items at Mercy Drug branches nationwide, this credit card is an excellent option because you can maximize and earn points from its rewards system.

This is a credit card that the entire family can use, especially if you buy medications for your senior parents. If you’re a starting family, this card is useful when buying diapers, formula milk, vitamins, supplements, and more.

However, compared to other rewards cards, 1 reward point is equivalent to P200, which is higher than other cards like EastWest Dolce Vita Titanium Mastercard and Metrobank Femme Signature. The latter offers the lowest peso equivalent, which lets you earn 1 rewards point for every P20 you spend. Moreover, you get triple points for specific spending categories like hospital bills, hotel bookings, spas, and more.

So, what do you think of the Mercury Drug Citi Rewards card? Is it worth it? Will it help you manage your monthly purchases? Let us know what you think in the comments below!