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Start a Citigold Private Client relationship with a minimum of S$1,500,000 in Assets Under Management
(AUM) and be rewarded with up to S$25,756^ cash.
Get up to
S$25,756^
Be rewarded with additional cash when you invest or insure with us
How will I earn bonus interest on the Citi Wealth First Account?
You will earn bonus interest on the Citi Wealth First Account if you have:
- 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;
- 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;
- 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;
- A new home loan (excluding interest offset home loans) of at least S$500,000 or;
- 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:
- Spend - 0.2% p.a.;
- Invest - 0.8% p.a. for 12 months;
- Protect - 0.8% p.a. for 12 months;
- Borrow - 0.8% p.a. for 12 months;
- Save - 0.2% p.a.
Can I earn bonus interest on my Citi Wealth First Account if I only spend and invest?
Yes. The applicable bonus interest of 0.2% p.a. (Spend) + 0.8% p.a. (Invest) will be applied to your Citi Wealth First Account average daily balance (subject to cap) based on the 2 qualifying transactions you have made.
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:
- Money market funds;
- Investments using Central Provident Fund Savings or Supplementary Retirement Schemes;
- Investment transactions that are back valued to such date that is beyond the current calendar month;
- Securities trading;
- 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:
- for Spend Transactions, the daily balance in your account for the calendar month in which the minimum debit card spend is incurred (“Posting Date”);
- for Investment Transactions, the daily balance in your account for the 12-month period commencing from the settlement date (“Settlement Date”);
- for Insurance Transactions, the daily balance in your account for the 12-month period commencing from the policy issuance date (“Issuance Date”);
- for Home Loan Transactions, the daily balance in your account for the 12-month period commencing from the loan disbursement date (“Disbursement Date”); and
- 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, Issuance 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, Issuance 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.
For insurance policies issued on the last business day of a calendar month, bonus interest will commence two months after Issuance Date, and paid for 12 months.
Can I open more than one Citi Wealth First Account?
Yes, you can. However, if you are the primary accountholder of more than one Citi Wealth First Account, you will be paid Spend, Invest, Protect, and Borrow bonus interest only for the first Citi Wealth First Account opened.
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?
If you purchase a new eligible investment or insurance plan or take up a new eligible home loan, the bonus interest payout for investment, insurance, or home loan (as the case may be) will restart from Month 1, and you will enjoy bonus interest for a period of 12 months.

Tems and Conditions
^With S$1,500,000 New Funds, deposits S$500,000 in a Citi Wealth First Account maintains the Citigold Private Client relationship and AUM for 12 months , is an existing / new primary Citi Credit Card holder, spends S$250 monthly on your Citibank Debit Mastercard, invest and insure with S$500,000 both respectively, save S$3,000 monthly, completes a goal setting session, completes a fact find report, takes up a new home loan of at least S$800,000, and successfully opens his bank account via online opening form.
For detailed mechanics, terms and conditions on Citi Wealth First Account,
please visit www.citibank.com.sg/wealthfirst.
For Welcome Program terms and conditions, click here.
The products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey , Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein 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$75,000 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.
Citibank full disclaimers, terms and conditions apply to individual products and banking services.
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The products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man. This webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
