Advantages of Getting a Credit Card Instead of a Debit Card

Going cashless is simply the way to go. It’s efficient, makes keeping track of finances easier, and reduces the need for physical contact when making transactions in these COVID-19 times. So, the question is no longer “Should I go cashless?” but “What card payment option should I choose?” 

Whether you should get a credit card or a debit card is entirely up to you and depends on your specific needs. However, you should know that choosing the former option comes with perks you wouldn’t want to miss out on.

Building Your Credit History

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Consistently using a credit card for purchases you would have paid for with cash or your debit card anyway helps you work your way toward a good credit score. As an adult, it’s never too early to build that credit history. It’s exactly what you need for a better chance at having loans or another credit card approved, paying less for insurance, and getting lower interest rates for loans in the future.


Credit cards reward you with points for purchases you make from many stores. Depending on the type of card you have, you may even get twice or thrice the points for buying certain products. You can use points to pay for your credit card transactions, which is useful because these reward points can really add up in the long run!

Exclusive Privileges

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Certain credit cards can even get you different perks just for being a cardholder. For example, some cards can get you access to VIP lounges in airports, hotel promos, or other exclusive services and privileges from partner companies and stores. Some, like Citibank, can even give you a Free ₱5,000 voucher upon purchase when you qualify for their Citi Cash Back Mastercard.


This is another great way to save money on your purchases. With cashback credit cards, you can get rebates on certain products and services you are paying for. 

Paying in Installments

It’s more common for stores and vendors to offer installment payment options for credit card holders as opposed to those using debit cards. This is especially great if paying in installments works better for you and your finances when making bigger purchases. 

More Protection 

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Having a credit card makes it easier for you to deal with instances of fraud. Unlike with debit cards, no money is actually getting taken from your account immediately when this happens. You’ll have time to report to your issuer, and you won’t have to pay for anything you didn’t purchase while the situation is being investigated. 

Don’t these perks sound like something that can make your day-to-day transactions easier and more rewarding? Apply for a Citi credit card that matches your needs now!

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