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There's More to Wealth - Citigold Singapore

Receive up to S$7,076^ cash and earn up to 2.8% p.a. bonus interest
when you start a Citigold relationship with Citi Wealth First Account

Apply Now

Wealth on your terms
Experience exclusive Citigold Benefits

Team of experts

Your Relationship Manager and team of experts will be
at hand to help you achieve your financial goals

Global market insights

Seize opportunities with round-the-clock market
insights from 400+ analysts worldwide

Holistic, personalised wealth
management

Our Total Wealth Advisor offers end-to-end
solutions that will always keep you in control

Start a Citigold relationship with a minimum of S$250,000 in Assets Under Management
(AUM) and be rewarded with up to S$7,076^ cash.

Get up to

S$7,076^

For limited period only, Receive S$250* Wealth Activation booster

when you purchase a minimum of S$25,000 Investment or Insurance by the end of the Welcome Period. T&Cs apply.

Promotion valid from 1 July – 31 September 2021

See How Cash Rewards Add Up

Wish to speak to us about your Citigold Relationship? Request for a callback here.

Frequently Asked Questions

  • You will earn up to 2.8% p.a. bonus interest on your Citi Wealth First Account if you have:

    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 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”).

     

  • 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, 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.

  • Will the bonus interest be applied to the entire balance in my Citi Wealth First Account?

    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:-

    Balance Tier Citibanking Citi Priority Citigold Citigold Private Client
    Average Daily Balance; Incremental Balance First S$50,000 First S$50,000 First S$100,000 First S$150,000

    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) Citigold requirement: S$250,000
    (ii) Citigold Private Client requirement: S$1,500,000

    If you do not fulfill the Citigold requirement or Citigold Private Client requirement above , 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$100,000 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.

  • 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$250,000 New Funds, deposits S$100,000 in a Citi Wealth First Account maintains the Citigold 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 S$100,000 and insure S$50,000 respectively, save S$3,000 monthly, takes up a new home loan of at least S$500,000, and successfully opens his bank account via online opening form. For Welcome Program terms and conditions, click here

For detailed mechanics, terms and conditions on Citi Wealth First Account, please 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


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.

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