Citigold Private Client Promotions

**Enjoy exclusive welcome rewards worth up to S$51,700* 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

YOUR CITIGOLD PRIVATE CLIENT WELCOME GIFT

Choice of rewards when you start your Citigold Private Client with a minimum of S$1,500,000 in Assets Under Management

Fresh Funds Reward¹

Up to
S$40,000

when you deposit Fresh Funds

Preferential Time Deposit rates²

Up to
3.45% p.a.

on a 3-month SGD
Time Deposit

Up to
3.30% p.a.

on a 6-month SGD
Time Deposit

Wealth Bonus Rewards¹

Get S$500 rewards

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

Earn additional cash rewards when you:

Complete Investment Risk
Profile Fact Find Report¹

S$500

Hold a Citi
Credit Card¹

S$500

Take up a
Citi Home Loan¹

S$1,000

Join Citigold Private Client

Eligibility

AUM Requirement

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).
Age

Documents Required

For new Citi Customers with Singpass
For Singaporeans/PRs: No documents required. Your details will be retrieved and prefilled in your application

For Foreigners: Passport and Proof of address.

For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to official letters from educational institutions or schools
For new Citi Customers without Singpass
For Singaporeans/PRs: NRIC and Proof of address if your current address is different from address in NRIC

For Foreigners: Passport, Valid work pass and Proof of address.

For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to or schools
For existing Citi Credit Cardholders and/or other Existing Citibank customers
No documents required

About Citi Wealth First Account

You will earn up to 7.51% p.a. bonus interest on your Citi Wealth First Account if you have:
a. A new Citibank debit retail spend of at least S$250 per month or multiple retail spends amounting to at least S$250 in a month or;

b. A new single lump sum investment (unit trusts, structured notes and/or bonds) of at least S$50,000, multiple lump sum investments aggregating to at least S$50,000 in a month or;

c. A new insurance policy with a single premium of at least S$50,000, multiple insurance policies with aggregated single premiums to at least S$50,000 in a month or;

d. A new home loan (excluding interest offset home loans) of at least S$500,000 or;

e. An increase in your account's average daily balance from previous month's average daily balance by at least S$3,000
What is the bonus interest for each Qualifying Transaction Category?
The bonus interest applicable for each Qualifying Transaction Category is as follows:

a. Spend - 1.5% p.a.

b. Invest - 1.5% p.a. for 12 months;

c. Protect - 1.5% p.a. for 12 months;

d. Borrow - 1.5% p.a. for 12 months;

e. Save - 1.5% p.a.
Can I earn bonus interest on my Citi Wealth First Account if I only spend and invest?
What are the eligible investment purchases to earn Invest Bonus Interest?
You will need to purchase a new single lump sum investment of at least S$50,000, or multiple lump sum investments aggregating to at least S$50,000 in a month. Investment transaction must be settled within the calendar month.

Investment Transaction refers only to the purchase of Unit Trust, Structured Notes, and/or Bonds, and excludes:

a. Money market funds;

b. Investments using Central Provident Fund Savings or Supplementary Retirement Schemes;

c. Investment transactions that are back valued to such date that is beyond the current calendar month;

d. Securities trading;

e. Currency investments (Premium Account, Leveraged Trading Account, Citibank Currency Trading Account); and Gold Account.

Investment purchases are only available to persons aged 21 years old and above.
What are the eligible insurance purchases to earn Protect Bonus Interest?

You will need to purchase a single premium insurance of at least S$50,000, or multiple single premium insurance policies with aggregate premiums of at least S$50,000 in a month. Insurance policies purchased or paid for using Central Provident Fund Savings or Supplementary Retirement Schemes are excluded.
To remain eligible for bonus interest for Insurance Transactions, you must not cancel your insurance policy during the free-look period.
How is my bonus interest being calculated?
Bonus interest is calculated monthly and is based on your average daily balance. The applicable average daily balance ("ADB") for the computation of bonus interest shall be derived from:

a. for Spend Transactions, the daily balance in your account for the calendar month in which the minimum debit card spend is incurred ("Posting Date");

b. for Investment Transactions, the daily balance in your account for the 12-month period commencing from the settlement date ("Settlement Date");

c. for Insurance Transactions, the daily balance in your account for the 12-month period commencing from the policy inception date ("Inception Date");

d. for Home Loan Transactions, the daily balance in your account for the 12-month period commencing from the loan disbursement date ("Disbursement Date"); and

e. for Save Transactions, the difference between average daily balance for the current month and average daily balance for previous month ("Incremental Balance"), when the Save criteria is met ("Savings Date").
When and for how long will the bonus interest be credited into my Citi Wealth First Account?

You shall be paid bonus interest in the month immediately following the Posting Date, Settlement Date, Inception Date, Disbursement Date and Savings Date, as the case may be.

You are entitled to bonus interest at the applicable bonus interest Rate for a 12-month period commencing from the Settlement Date, Inception Date and Disbursement Date, as the case may be.

For Spend Transactions, you are entitled to bonus interest only for the month in which you incur the minimum retail spend.

For Save Transactions, you are entitled to bonus interest for the month in which you increase the average daily balance from the previous month by the minimum amount.

Will the bonus interest be applied to the entire balance in my Citi Wealth First Account?

You shall be entitled to bonus interest at the applicable bonus interest rate on the average daily balance and/or incremental balance in your Citi Wealth First Account, in accordance with the table below:

Balance Tier	Citibanking	Citi Priority	Citigold	Citigold Private Client
Average Daily Balance; Incremental Balance	First S$50,000	First S$50,000	First S$250,000	First S$500,000

For the purposes of determining your bonus interest entitlement under the Citi Wealth First Account, you must maintain the following minimum Total Relationship Balance (“TRB”):

a. Citigold requirement: S$250,000
b. Citigold Private Client requirement: S$1,500,000

If you do not fulfill the Citigold requirement or Citigold Private Client requirement above , your Qualifying average daily balance and Qualifying Incremental Balance shall be the first S$50,000 in your Citi Wealth First Account.

Total Relationship Balance is the sum of:

i. the average daily balance of your checking, savings and deposit accounts,
ii. the average daily value of your investments, and
iii. all outstanding amount(s) payable on your secured loan accounts as of the date of your last statement.

Citibank's determination of 'TRB' will be conclusive. For illustration, if you are a Citigold customer with TRB of S$260,000, you shall earn bonus interest on the first S$100,000 average daily balance and incremental balance. If you are a Citigold customer with TRB of S$200,000, you shall earn bonus interest on the first S$50,000 average daily balance and incremental balance.

Can I open more than one Citi Wealth First Account?
What happens to my bonus interest if I purchase a new investment or insurance plan, or take up a new home loan within 12 months period?

Terms and Conditions

* To be eligible for the S$51,700 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,
- Of the S$3,000,000 in Fresh Funds, invest and/or insure S$1,200,000 before the end of the Qualifying Period,
- Place $1,800,000 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 for the Citi New-to-Bank Welcome Programme 2024 Terms and Conditions

²Click here for the full SGD Time Deposit terms and conditions. Insured up to S$100k by SDIC.

Disclaimer

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.

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

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).

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Citibank is currently located at 3 Changi Business Park Crescent, Singapore 486026.

YOUR REFERRAL GIFT

Refer and receive up to S$2,000^ + S$388^ cash (for first-time referrers)

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.

Start referring now

Recommend a friend	Your gift	Your friend's gift
To start a Citigold relationship with S$250,000	S$500^ cash + S$388^ cash (for first-time referrers)	Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

Recommend a friend	Your gift	Your friend's gift
To start a Citigold Private Client relationship with S$1,500,000	S$2,000^ cash + S$388^ cash (for first-time referrers)	Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

^Terms and Conditions >

Deposit Insurance Scheme

Start referring now

CITI TOP-UP PROMOTION

Accelerate your wealth journey today

Receive up to S$95,000^{^} cash rewards

when you bring in fresh funds and/or transfer in investment assets between 1 August and 30 September 2024.

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

Total Top-Up (SGD equivalent)	Total Cash Reward (SGD)
≥ S$100,000	S$820
≥ S$300,000	S$2,550
≥ S$800,000	S$7,000
≥ S$2,000,000	S$18,000
≥ S$5,000,000	S$46,300
≥ S$10,000,000	S$95,000

^{^}Click here for 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	3 Months (p.a.)	6 Months (p.a.)
USD	US$50,000 to US$3 million	4.90%	-
SGD	S$10,000 to < S$250,000	3.35%	3.20%
SGD	S$250,000 to S$3 million	3.45%	3.30%

Click here for SGD Time Deposit Promotion Terms and Conditions

Click here for USD 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	2-Months (p.a.)
SGD	S$50,000 and above	1% and above	5%

Click here for 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.)
USD	6.50%

Click here for USD Time Deposit Investment Bundle Promotion Terms and Conditions

Deposit Insurance Scheme

Disclaimers

The promotions, products and services mentioned in the referenced document 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. The referenced document 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.

Only Citigold Private Clients can enjoy these preferential interest rates. A Citigold Private Client relationship starts with a minimum Assets Under Management of S$1,500,000. Assets Under Management refers to the combined balances held in a client's primary accounts including Citibank Checking and Savings account, Time Deposits and Investments. For placement of Time Deposits, a Citibank Savings or Checking Account is required.

An administrative fee or withdrawal charge may be imposed for termination of time deposits prior to maturity date. No pre-termination of the time deposit is allowed for CNH and ZAR currency.

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.

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup, Inc or any of their affiliates or subsidiaries unless specifically stated. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. The information on this webpage does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation.
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 the investment products are suitable for you in light of your investment objectives, financial means and risk profile.

Investment products are not deposits, are not subject to the provision of the Deposit Insurance Act and Policy Owners' Protection Schemes Act of Singapore and are not eligible for Deposit Insurance Coverage under the Deposit Insurance Scheme.

Investment products are not available to U.S. persons and may not be available in all jurisdictions.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

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

Citi Prestige Card

Find out more

Other Citi Credit Cards

Product	Citigold	Citigold Private Client
Citi Wealth First Account	Earn up to 7.51% p.a.¹ interest on the first S$250,000¹ average daily balance	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 market and 0.15% for U.S, HK markets. 6-month commission-free buy trades online for U.S. and Hong Kong markets when you open a new Citibank Brokerage account²	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	Contact your Relationship Manager for 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 Citigold Centre	Access to both Citigold & Citigold Private Client Centres

¹Citi Wealth First Account terms and conditions 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 apply.

Disclaimers

Deposit Insurance Scheme

An administrative fee or withdrawal charge may be imposed for termination of time deposits prior to maturity date. No pre-termination of the time deposit is allowed for CNH and ZAR currency.

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.

©2024 Citibank Singapore Limited. All rights reserved. Citi, Citibank, Citigold Private Client, Citi and Arc Design, and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Citibank Singapore Limited Co. Reg. No. 200309485K.

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

Apply Now

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

Apply Now

Citigold Private Client Promotions

**Enjoy exclusive welcome rewards worth up to S$51,700* when you start a Citigold Private Client relationship**

YOUR CITIGOLD PRIVATE CLIENT WELCOME GIFT

Fresh Funds Reward¹

Up to
S$40,000

Preferential Time Deposit rates²

Up to
3.45% p.a.

Up to
3.30% p.a.

Wealth Bonus Rewards¹

Get S$500 rewards

S$500

S$500

S$1,000

Frequently Asked Questions

Eligibility

Eligibility

Documents Required

Documents Required

About Citi Wealth First Account

About Citi Wealth First Account

Terms and Conditions

YOUR REFERRAL GIFT

Refer and receive up to S$2,000^ + S$388^ cash (for first-time referrers)

To start a Citigold relationship with S$250,000

S$500^ cash + S$388^ cash (for first-time referrers)

Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

To start a Citigold Private Client relationship
with S$1,500,000

S$2,000^ cash + S$388^ cash (for first-time referrers)

Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

CITI TOP-UP PROMOTION

Accelerate your wealth journey today

PREFERENTIAL INTEREST RATES

Earn special interest rates on your time deposits

CITI CREDIT CARD BENEFITS

Receive exclusive benefits on your Citi Credit Cards

Citi Prestige Card

Other Citi Credit Cards

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

Citigold Private Client Promotions

Enjoy exclusive welcome rewards worth up to S$51,700* when you start a Citigold Private Client relationship

YOUR CITIGOLD PRIVATE CLIENT WELCOME GIFT

Fresh Funds Reward1

Up to S$40,000

Preferential Time Deposit rates2

Up to 3.45% p.a.

Up to 3.30% p.a.

Wealth Bonus Rewards1

Get S$500 rewards

S$500

S$500

S$1,000

Frequently Asked Questions

Eligibility

Eligibility

Documents Required

Documents Required

About Citi Wealth First Account

About Citi Wealth First Account

Terms and Conditions

YOUR REFERRAL GIFT

Refer and receive up to S$2,000^ + S$388^ cash (for first-time referrers)

To start a Citigold relationship with S$250,000

S$500^ cash + S$388^ cash (for first-time referrers)

Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

To start a Citigold Private Client relationshipwith S$1,500,000

S$2,000^ cash + S$388^ cash (for first-time referrers)

Preferential Time Deposit Rates* and Exclusive Welcome Rewards*

CITI TOP-UP PROMOTION

Accelerate your wealth journey today

PREFERENTIAL INTEREST RATES

Earn special interest rates on your time deposits

CITI CREDIT CARD BENEFITS

Receive exclusive benefits on your Citi Credit Cards

Citi Prestige Card

Other Citi Credit Cards

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

Enjoy up to S$51,700* welcome rewards when you invest, insure and save with Citigold Private Client.*T&Cs apply.

**Enjoy exclusive welcome rewards worth up to S$51,700* when you start a Citigold Private Client relationship**

Fresh Funds Reward¹

Up to
S$40,000

Preferential Time Deposit rates²

Up to
3.45% p.a.

Up to
3.30% p.a.

Wealth Bonus Rewards¹

To start a Citigold Private Client relationship
with S$1,500,000