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- Citibank InterestPlus Savings Account
Citibank InterestPlus Savings Account
- Get the most out of your spend, protect your loved ones and grow your wealth. Plus, earn up to 2.5% p.a. more on your savings.
- Complimentary cash withdrawals from Citibank ATMs overseas (with no processing fee), instant fund transfers and more.
- Have a Personal Banker take care of your financial needs when you have balances above S$50,000.

Protect your loved ones when you insure with:
- A monthly premium of S$250 for 12 months or
- A single premium of S$25,000

Spend S$25 monthly on your Citibank Credit Card

Achieve your financial goals when you invest:
- S$250 monthly for 12 months in a Regular Savings Plan or
- Lump sum of $25,000 in Unit Trusts

Bonus interest is paid:
- Over a 12 month period for investment and insurance
- Every month whenever you spend S$25
- On the first S$50,000 in your account
- On top of your base interest
Continue to earn the bonus interest for the next 12-month period if you take up another insurance or investment.
Eligibility:
Individuals 18 years and above
Other Benefits:
Checking facilities | Yes |
|
Online Banking | Yes | Transfer funds online or between accounts |
Phone Banking | Yes | CitiPhone Banking and Automated Voice Response |
Citibank Debit Card | Yes | Free Citibank Debit Card with access to over 13,000 ATMs as well as millions of merchants worldwide |
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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 Posting 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.
Yes, you can. 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.
Click on to expand and on
to minimise the details.
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 Posting 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.
Yes, you can. 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.
Terms & Conditions:Terms & Conditions:
Click here for the full terms and conditions
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.
The products and services mentioned above 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.
Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Investment products are not available to U.S. Persons. This is only general product information provided by us and is not a contract of Insurance. The information provided must be read with, and subject to, all the terms and conditions and exclusions contained in the policy contract. Full details are stated in the policy contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you are responsible for ensuring that any insurance product you have applied for is suitable for you. All insurance applications are subject to the insurer's underwriting and acceptance. Insurance products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc or any of their affiliates or subsidiaries. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. Insurance products are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. They may be protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For the list of insurance companies which are scheme members, please refer to this link - https://www.sdic.org.sg/pp_scheme_members.php. Coverage 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 visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Citibank full disclaimers, terms and conditions apply to individual products and banking.