Citi Credit Card Online Application and Approval

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Citi Philippines Director for Credit Payment Products David Stoughton
Citi Philippines Director for Credit Payment Products David Stoughton

Citi Philippines recently launched its latest digital innovation in the form of Citi Credit Card online application and approval program. This means that you can submit your credit card application online and determine if you’ve been approved or declined. I think that although most credit card application can be submitted online, you won’t have an idea of the status until completion of the entire process. So this initiative from Citi is the first in the country.

During a media briefing, Director for Credit Payment Products David Stoughton shared that clients can expect to get credit approval online. This is after the simplified application form is filled out, and with the digitized copies of required documents submitted. The Citi Credit Card online application and approval program is an initiative towards becoming the leading digital bank in the country.

“We were one of the first banks to launch an online presence and also one of the pioneers in attracting customers through our website,” recalled Stoughton. “At that time, we were only capturing the information online when they apply, but the processing still takes place offline including the credit review. With this latest service, we are excited to break new ground for the industry and deliver another innovation for the Filipino consumer.” Citi also launched new digital partnerships, products and services to highlight the drive.Citi Philippines aims to be the leading digital bank in the Philippines

Apply for a Citi Credit Card Online. Get Rewards

With Citi’s digitized application and approval process, you will know in minutes if you’re qualified for a Citi credit card. “This is a game changer as we continue to look at our products and services, and accelerate digitization to deliver remarkable client experiences,” said Stoughton.

Citi is a technology company with a banking licenseYou also get your rewarded online as Citi also digitized its rewards. It’s a fact that submitting your applications through promotion booths in malls or travel expos offers attractive gifts. The bank is aware of this and with that in mind, you will also get rewards when you submit your Citi Credit Card online application.

From now until April 30, submit a Citi Credit Card online application and you will receive an electronic voucher that you can redeem for an Auntie Anne’s pretzel and iced tea. Upon approved, if you’re getting your first Citi credit card and make a purchase of P20,000 or more within 60 days, you are also eligible to get a Fitbit Charge 2 fitness wristband.

Groundbreaking partnerships with leading digital retailers

Citi also unveiled another strategic digital partnership, this time with Amazon. The Philippines will come next after Thailand where credit card holders can now use their Rewards Points to pay for purchases at

On average, Citi has unveiled new digital innovation or partnership fortnightly in the last 12 months across Asia. During 2016, the number one foreign bank announced strategic partnerships in leading digital ecosystems across the region. Some of these included Alipay and WeChat in China and Line in Thailand and Taiwan. The bank also formed digital credit card partnerships with the likes of Airbnb and Uber in various countries. The bank’s social media followers in Asia grew from 3 million to over 10 million during 2016.

Citi Credit Card travel partners in the PhilippinesIn the Philippines, its regional digital partners include: Booky, an offline restaurant finder; Zennya, the world’s first spa on-demand app; Lazada, the leading online shopping mall in the country; and Grab, Southeast Asia’s leading ride-hailing platform, to name a few.

Citi’s ongoing promotions in the country with leading travel sites includes Asiatravel (grab 12% off on hotel bookings until June 30, 2017); Agoda (get 10% off on hotel accommodations year-long); Expedia (enjoy 8% off until October 2017); and Airbnb (on first stay, get P1,800 off until November 15, 2017).

Citi Credit Card Shopping Offers in the PhilippinesAlso enjoy exclusive discounts when shopping online with Citi credit cards:

  • 15% of! at (until March 31, 2017) and Shipping Cart (for air and shipping fees until July 31)
  • 12% off at Zalora year long
  • 10% off at until July 31
  • Island Rose extends 10% off year long

Banking on a Digital Future

Stoughton shared, “Our Consumer Bank business in Asia draws some 20 million visits to our online properties every month and between 90 to 95% of all transactions already happens outside a branch.” He added that regional figures show one out of every four new credit card accounts acquired comes from digital sources and over 50% of clients are actively using digital banking channels, up from 30% three years ago.

The Citi Credit Card Online Application is a step ahead for the banks goalOver the past five years, visits in Citi branches across Asia has declined by 50% as digital transactions grow over 100%. While digital banking is not completely replacing the branch experience, the nature of branch interactions is changing, and Citi‘s strategy is now aimed at a combination of bricks and clicks.

“In our drive to digital, we have also become the credit card brand that online and mobile retailers prefer. This initiative presents a bright outlook in a country which greatly embraces the growth of online shopping and lifestyle,“ added Stoughton.

Citi Philippines Director for Credit Payment Products David Stoughton during the media briefingPrior to the Citi Credit Card online application and approval program, Citi launched the newly-refreshed Citi Mobile App in Asia featuring easy-to-use functionality and interfaces such as Snapshot and Touch in which has seen over 2m million downloads to-date. The bank also was the first to launch Voice Biometrics across the region which has since received more than 700,000 sign-ups from customers with over 1m clients consenting.

‘We are focused on becoming the world’s leading digital bank, and we will continue to leverage on our global network for strategic partnerships even as we develop and deliver digital products and services,” said Stoughton.

Citi Philippines Director for Corporate Affairs Aneth Lim and Director for Credit Payment Products David Stoughton
Citi Philippines Director for Corporate Affairs Aneth Lim and Director for Credit Payment Products David Stoughton

Personally, my main concern in going digital particularly in the Citi Credit Card online application is the security in place because an online application means submitting personal information that can be used for hacking and phishing. Mr Stoughton expressed that security is the most important thing when building a banking application. He noted that Citi has been doing this in multiple countries around the world and takes security very, very seriously. The bank executive noted that the number of layers of security steps in place, including how data is stored, et al.

As a global financial organization, I am confident that they can have such a high-level of security in place for all their digital platforms, including the Citi Credit Card online application and approval program. The step is a welcome development with the growing number of Filipinos embracing digital. I personally look forward to more applications and transactions going digital. This is one of those that I can take advantage of. For those wanting to have a Citi Credit Card, submit your application online now:

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