PROMOTIONS

Exclusive Offers & Promotions

For Citigold Private Client customers

Enjoy exclusive welcome rewards worth up to S$43,600* when you start a Citigold Private Client relationship

You are new to Citigold Private Client if you do not have an existing current/savings account with us.

Join Citigold Private Client (opens in a new tab)

BEGIN YOUR WEALTH JOURNEY

Fresh Funds Rewards¹

Up to
S$40,000

when you deposit Fresh Funds

DEEPEN YOUR RELATIONSHIP IN THE FIRST 3 MONTHS TO UNLOCK MORE BENEFITS

Complete Investment Risk Profile and Fact Find Report¹

Understanding wealth needs

S$300

Opt in to be an Accredited Investor³

Gain access to a wider range of
wealth offerings

S$300

Insure and/or Invest¹

Build your wealth with our full suite of investment products

S$500

for every S$50,000
investment and/or insurance purchases

UNLOCK EXCLUSIVE PRIVILEGES

Hold a Citi Credit Card¹

S$500

Take up a Citi Home Loan¹

S$1,000

Preferential Time Deposit²

Up to
2.60% p.a.

on a 3-month SGD Time Deposit

Up to
2.50% p.a.

on a 6-month SGD Time Deposit

Get exclusive preferential rates on your Time Deposit as an Accredited Investor

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Enjoy exclusive offers and privileges as a Citigold Private Client

As a Citigold Private Client customer, you have access to broad range of lifestyle privileges
including those extended to you through the new Citigold Private Client World Elite Debit Mastercard.

Zero conversion fees with Citi Global Wallet

No additional fees on your overseas and online foreign currency spends

Accelerated hotel membership status

Fast track your hotel loyalty status on us with your Citigold Private Client World Elite Debit Mastercard

Complimentary green fees or golf lessons

Tee off at any of the 74 participating golf courses worldwide with four complimentary green fees or simply take up golf lessons in Singapore with your Citigold Private Client World Elite Debit Mastercard.

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Terms and Conditions

* To be eligible for the S$43,600 welcome rewards, you will have to fulfill all of the following criteria:-

Successfully establish a Citigold Private Client relationship with S$3,000,000 in Fresh Funds,
Maintain a valid Investment Risk Profile and complete the Fact Find Report by end of Welcome Period,
Opt in to be treated as an Accredited Investor,
Of the S$3,000,000 in Fresh Funds, invest and/or insure S$2,000,000 before the end of Welcome Period,
Place S$1,000,000 in a 6-month Time Deposit,
Hold an eligible primary Citi Credit Card
Maintain the Citigold Private Client relationship up to point of reward fulfilment.

¹Click here(opens in a new tab) for the Citi New-to-Bank Welcome Programme 2025 Terms and Conditions

²Click here(opens in a new tab) for the full SGD Time Deposit terms and conditions. Insured up to S$100k by SDIC.

³ Subject to meeting Accredited Investor eligibility criteria. Please note the application for Accredited Investor status is approved at the sole discretion of Citi. Please note that where you have opted in to be treated as an Accredited Investor, Citibank is exempt from complying with certain requirements under the Financial Advisers Act, 2001 of Singapore and the Securities and Futures Act, 2001 of Singapore, and certain regulations, notices and guidelines issued thereunder. Learn more about the effect of being treated as an Accredited Investor at www.citibank.com.sg/AccdInv > Schedule 2.

Frequently Asked Questions

Eligibility

You will need a minimum of S$1,500,000 in fresh funds in Assets Under Management (AUM).

“AUM” refers to the combined balances held in a client's primary accounts including Citibank checking and savings account (except cash management account), time deposits, investments and premiums of life insurances distributed by Citi and underwritten by AIA Singapore Private Limited (Reg. No. 201106386R).

Documents Required

Refer and receive up to S$2,000^

Invite your family and friends to experience more with Citigold or Citigold Private Client. Simply share your referral invitation code and look forward to receiving an exclusive reward from Citi.

Click here(opens in a new tab) to view the terms and conditions

Start referring now (opens in a new tab)

Citi Top-Up Promotion

Accelerate your wealth journey today

Receive up to S$77,000^{^} cash rewards

Receive up to S$77,000^{^} cash when you deposit fresh funds and/or transfer in investment assets between 1 March and 30 April 2025, maintain account balance and investment assets for three months thereafter, and hold an investment and/or insurance by 31 July 2025.

Here's how much you can receive from the Citi Top-Up Promotion.

Total Top-Up (SGD equivalent)	Cash Reward for clients who opted in as an Accredited Investor (SGD)	Cash Reward for clients who did not opt in as an Accredited Investor (SGD)
≥ S$100,000	S$680	S$580
≥ S$300,000	S$2,100	S$1,900
≥ S$800,000	S$5,800	S$5,300
≥ S$2,000,000	S$14,800	S$13,500
≥ S$5,000,000	S$37,500	-
≥ S$10,000,000	S$77,000	-

Click here(opens in a new tab) for the Citi Top-Up Promotion Terms and Conditions

PREFERENTIAL INTEREST RATES

Earn special interest rates on your time deposits

SGD and USD Time Deposit Promotion

Maximise your deposit with greater returns.

Currency	New Funds Deposit Amount	Eligible Non-Accredited Investor Customers		Eligible Accredited Investor Customers
Currency	New Funds Deposit Amount	3 Months (p.a.)	6 Months (p.a.)	3 Months (p.a.)	6 Months (p.a.)
USD	US$50,000 to US$3,000,000	4.35% p.a.	-	4.45% p.a.	-
SGD	S$10,000 to < S$250,000	2.50% p.a.	2.40% p.a.	2.60% p.a.	2.50% p.a.
SGD	S$250,000 to S$3,000,000	2.60% p.a.	2.50% p.a.	2.70% p.a.	2.60% p.a.

Click here(opens in a new tab) for Citigold Private Client USD Time Deposit Promotion Terms and Conditions

Click here(opens in a new tab) for Citigold Private Client SGD Time Deposit Promotion Terms and Conditions

SGD Time Deposit Investment Bundle Promotion

Exclusive SGD Time Deposit Investment Bundle Promotion is yours to enjoy.

Currency	Investment Amount	Investment Sales Charge	Eligible Non-Accredited Investor Customers	Eligible Accredited Investor Customers
Currency	Investment Amount	Investment Sales Charge	2-Months (p.a.)	2-Months (p.a.)
SGD	S$50,000 and above	1% and above	4.50% p.a.	4.60% p.a.

Click here(opens in a new tab) for Citigold Private Client SGD Time Deposit Investment Bundle Promotion Terms and Conditions

USD Time Deposit Investment Bundle Promotion

Exclusive Foreign Currency Time Deposit Investment Bundle Promotion is yours to enjoy.

Currency	2-Months (p.a.)	Eligible Non-Accredited Investor Customers	Eligible Accredited Investor Customers
Currency	2-Months (p.a.)	2-Months (p.a.)	2-Months (p.a.)
USD	6.00% p.a.	6.00% p.a.	6.10% p.a.

Click here(opens in a new tab) for Citigold Private Client USD Time Deposit Investment Bundle Promotion Terms and Conditions

Receive exclusive benefits on your Citi Credit Cards

Citi Prestige Card

Earn up to 30% more annual Relationship Bonus based on your relationship and your tenure with Citi.

Find out more (opens in a new tab)

Other Citi Credit Cards

Enjoy annual fee waiver on one Citibank core credit card (excludes Citi Ultima Card and Citi Prestige Card) and one Citibank co-brand credit card.

Product	Citigold Private Client
Citi Wealth First Account	Earn up to 7.51% p.a.¹ interest on the first S$500,000¹ average daily balance
Citibank Brokerage	Commission of 0.12% for SG, U.S and HK markets. 6-month commission-free buy trades online for U.S. and Hong Kong markets when you open a new Citibank Brokerage account²
Preferential FX rates	Contact your Relationship Manager for preferential rates for trade amount above USD$25,000
Preferential mortgage interest rates	Enjoy exclusive CPC preferential mortgage interest rates. Contact your Senior Relationship Manager.
Online Telegraphic Transfer to non-Citibank accounts overseas	S$20 per transaction (cable charges)
Annual fee waivers on Citi Credit Cards	Annual fees waived for 1 core card and 1 co-brand card (excluding Ultima & Prestige)
Access to Citi Wealth Hub	Access to both Citigold & Citigold Private Client Centres

¹Citi Wealth First Account terms and conditions(opens in a new tab) apply.

²Citibank Online Brokerage Promotion applicable for a period of 180 days starting from day of brokerage account opening. Citibank Online Brokerage Promotion terms and conditions(opens in a new tab) apply.

An eligible Accredited Investor is an individual: (i) whose net personal assets exceed in value S$2,000,000 (or its equivalent in foreign currency), of which the net equity of the individual’s primary residence is no more thanS$1,000,000. OR (ii) whose financial assets (net of any related liabilities) exceeding in value S$1,000,000 (or its equivalent in foreign currency), OR (iii) whose income in the preceding 12 months is not less than S$300,000 (or its equivalent in foreign currency) Please note the application for Accredited Investor status is approved at the sole discretion of Citi. For more detailed information on the Accredited Investor eligibility and definitions, please refer to www.citibank.com.sg/AccdInv(opens in a new tab) (Schedule 1).

The promotions, products and services mentioned in this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. This website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg.

Important Insurance Disclaimers

The insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA") and distributed by Citibank Singapore Limited. All insurance applications are subject to AIA’s underwriting and acceptance. This is only general product information provided and is not a contract of insurance. The information provided must be read with, and is subject to, all the terms and conditions and exclusions contained in the policy contract. These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association Of Singapore (GIA)/ Life Insurance Association (LIA) or SDIC web-sites (http://www.gia.org.sg or http://www.lia.org.sg or www.sdic.org.sg). Please refer to full disclosures(opens in a new tab) applicable to relevant product(s) and/or service(s).

Foreign currency investments are subject to rate fluctuations which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. You should therefore determine whether any foreign currency investment is suitable for you in light of your investment objectives, financial means and risk profile.

Securities investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. The price of securities can and does fluctuate; sometimes dramatically, and that any individual security may experience upward or downward movements, and may even become valueless. Therefore it is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. This is the risk that customers should be prepared to accept. Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Citibank is not recommending the Citibank Brokerage Account or giving any advice in relation to customers' securities investments. Customers will take complete responsibility for any losses resulting from their trading strategy.

Interested investors should seek the advice of their financial advisors, as appropriate. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether securities investments are suitable for you in light of your investment objectives, financial means and risk profile.

Citibank full disclaimers, terms and conditions apply to individual products and banking services. For more details, please visit www.citibank.com.sg

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Enjoy up to S$43,600* welcome rewards when you join Citigold Private Client. *T&Cs apply.

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