GET 2% P.A. IN INTEREST
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You will earn base interest and bonus interest on your Citi MaxiGain Savings Account ("MaxiGain account") if certain criteria are met.
The Bank shall pay you a base interest rate ("Base Interest Rate") at 80% of the 1 month Singapore Dollar Singapore Interbank Offer Rate ("1 month SIBOR") on your daily balance, up to the first S$150,000 in your MaxiGain account. For example, if 1 month SIBOR is 1% p.a., the Base Interest Rate shall be 0.8% p.a.
The 1 month SIBOR for December 2015 was 0.972% p.a. for your reference. If the 1 month SIBOR is 0% p.a. or lower, the Base Interest Rate shall be zero.
A Base Interest Rate of 0.05% p.a. shall apply to balances in your MaxiGain account in excess of S$150,000.
Your account balance shall accrue bonus interest at a rate ("Bonus Interest Rate") that steps up each month, from 0.10% p.a. to a maximum of 1.20% p.a. A bonus counter ("Counter") is a numerical representation of your "bonus level" on the MaxiGain account. The Counter ranges from "0" to "12", representing the corresponding Bonus Interest Rate from 0.00% p.a. to 1.20% p.a.
The Counter increases by 1 each time the Bonus Interest Rate steps up. The Bonus Interest Rate steps up in a month if the lowest balance in that month is equal to or greater than the lowest balance in the preceding month. Bonus interest is computed based on the preceding month's lowest balance and number of calendar days in the preceding month. The lowest amount of funds in your MaxiGain account at any point in time in a month shall be the "lowest balance" of that month.
Please see the table below for illustration:

Month 1 
Month 2 
Month 3 
Lowest Balance 
S$30,000 
S$40,000 
S$50,000 
Number of days in month 
28 
31 
30 
Counter 
0 
1 
2 
Bonus Interest Rate 
0 
0.10% p.a. 
0.20% p.a. 
Bonus interest 
N.A 
S$30,000 x 0.10% x 28/365 = S$2.30 
$40,000 x 0.20% x 31/365 = $6.79 
Yes, the Base Interest Rate applies if your MaxiGain account has a minimum balance of S$10,000. In other words, base interest accrues on a day where the account balance for that day is at least S$10,000. Conversely, no base interest shall accrue on a day where the account balance for that day falls below S$10,000.
The Bonus Interest Rate on the other hand has no requirement of a minimum balance . Bonus interest will accrue in a month at the relevant Bonus Interest Rate for so long as the Counter for that month is higher than zero.
MaxiGain Account Balance 
Base Interest 
Bonus Interest 
S$0 to S$150,000 
80% of 1 month SIBOR 
Up to 1.20% p.a., depending on the Counter 
Above S$150,000 
0.05% p.a. 
Conditions 
Only applicable if the daily account balance is at least S$10,000 
No minimum or maximum balance requirement for bonus interest
Counter must be higher than zero

If your lowest balance in the current month is lower than the lowest balance in the preceding month, the Counter will reset as follows:
Counter in the Preceding Month 
Counter in the Current Month 
05 
0 
612 
6 
You will receive your base interest on the last day of a month, starting as early as 29 February 2016, for so long as you meet the minimum balance of S$10,000. You will receive your bonus interest on the last day of March 2016, provided the lowest balance in March 2016 is equal to or greater than the lowest balance in February 2016.