CITIBANK INTERESTPLUS SAVINGS ACCOUNT

You will earn bonus interest on the Citibank InterestPlus Savings Account if you have:

• A new Citibank credit card retail spend of at least S$25 per month or multiple retail spend aggregated across credit cards amounting to at least S$25 in a month or;
• A new single lump sum investment of at least S$25,000, multiple lump sum investments aggregating to at least S$25,000 in a month or a Regular Savings Plan with a period of at least 12 months with a minimum investment amount of at least S$250 per month, in unit trusts or;
• A new insurance policy with a single premium of at least S$25,000, multiple insurance policies with aggregated single premiums to at least S$25,000 in a month or a regular premium insurance policy with monthly premiums of at least S$250 over a period of 12 months or;
• A new Home loan of at least S$250,000.

The Bonus Interest applicable for each Qualifying Transaction Category is as follows:

• Spend - 0.1% p.a.
• Invest - 1.2% p.a.
• Protect - 1.2% p.a.
• Borrow - 1% p.a.

Yes. The applicable Bonus Interest of 0.1% p.a. (Spend) + 1.2% p.a. (Invest) will be applied to your Citibank InterestPlus Savings Account balances (capped at the first S$50,000) based on the qualifying transaction(s) you have made.

Bonus Interest is calculated using your average daily available balance. The relevant average daily available balance used for the purpose of computing Bonus Interest is:

• For Credit Card Transactions, the month in which the minimum credit card spend is incurred - Posting Date;
• For Investment Transactions, for the 12 month period starting from the settlement date - Settlement Date;
• For Insurance Transactions, for the 12 month period starting from the policy inception date - Inception Date; and
• For Home Loan Transactions, for the 12 month period starting from the loan disbursement date - Disbursement Date.

You will be paid Bonus Interest in the month immediately following the Transaction Date, Settlement Date, Inception Date and Disbursement Date, as the case may be. You are entitled to Bonus Interest at the applicable Bonus Interest Rate for a 12 month period starting from the Settlement Date, Inception Date and Disbursement Date, as the case may be. In the case of Regular Savings Plan and Regular Premium Insurance Policy, you will no longer be entitled to Bonus Interest when you cease to participate in the Regular Savings Plan, when you terminate the insurance policy or when your insurance policy lapses, as the case may be. For Credit Card Transactions, you are entitled to Bonus Interest only for the month in which you incur the minimum retail spend.

Bonus Interest at the applicable Bonus Interest Rate will be applied to the balances in your Citibank InterestPlus Savings Account and is capped at the first S$50,000.

You may open more than one Citibank InterestPlus Savings Account. However, if you are the primary accountholder of more than one Citibank InterestPlus Savings Account, you will be paid Bonus Interest only for the first Citibank InterestPlus Savings Account opened.