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 Investment Fund, 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.

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.

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 inception date (“Inception 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”).

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.

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:-

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”):
(i) S$250,000 for Citigold; and
(ii) S$1,500,000 for Citigold Private Client.

If you do not fulfill the minimum TRB, 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$250,000 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.