CITIBANK SINGAPORE

NEW CITIGOLD CUSTOMER

Start your bespoke wealth experience and
enjoy exclusive rewards and privileges with Citigold.

You are new to Citigold if you do not have an existing current/savings account with us.

Exclusive Welcome Rewards worth up to S$10,900*

Receive stackable rewards when you invest, insure and/or save -
with minimum investible assets of S$250,000

Fresh Funds Rewards1

when you deposit Fresh Funds

Preferential Time Deposit rates2

Up to 3.20% p.a. on a
3-month SGD Time Deposit

Wealth Bonus Rewards1

Multiply your rewards when you invest and/ or insure with us, get S$250 rewards for every S$50,000 made

Preferential Time Deposit rates2

Up to 3.10% p.a. on a
3-month SGD Time Deposit

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S$0 S$8,000,000

Reward amount:

Preferential Time Deposit rates2

Up to 3.10% p.a. on a
3-month SGD Time Deposit

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S$0 S$1,499,999

Time Deposit interest earned (indicative):

Preferential Time Deposit rates2

Up to 3.10% p.a. on a
3-month SGD Time Deposit

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S$0 S$1,500,000

Reward amount:

 

Up to 3.00% p.a. on a
6-month SGD Time Deposit

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S$0 S$1,500,000

Time Deposit interest earned (indicative):

 
Click the icons to include these additional rewards to the Total Rewards

 

Complete Investment Risk
Profile Fact Find Report1
S$100
Hold a Citi
Credit Card1
S$100
Take up a
Citi Home Loan1
S$500
Total Rewards (indicative)
Up to
S$10,900

Enjoy exclusive offers and privileges as a Citigold client

E-Brokerage

6-month commission-free buy trades online for U.S. and Hong Kong markets4

Time Deposit Preferential Rates

Preferential interest rates for SGD and USD time deposits, investment, and insurance time deposit bundle5

Card Fee Waivers

Enjoy annual fee waiver on your Citi Credit Cards6

Benefit from our holistic advisory on your wealth journey

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 market insights from 350+ analysts worldwide

Holistic, Personalised Wealth Management

Monitor and keep track of your wealth goals with Citigold Total Wealth Advisor tool, specially designed to help you plan and manage your portfolio in one place

Exclusive Privileges

Enjoy access to global banking and lifestyle privileges, travel benefits and by-invitation-only events and experiences

Wealth Solutions

Protect and build your wealth with our full suite of investment and insurance products

Citigold Debit Mastercard®

Enjoy zero foreign transaction or currency conversion fees in over 150 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard

All for you. All at once.

Apply for Citigold and Citi Credit Card with just one simple journey.


Embark on your holistic wealth journey with Citi to meet your financial goals.
Apply for a bank account and a credit card with one seamless application, and enjoy exclusive welcome rewards when you start now.

Now, you can enjoy the combined benefits of

Citi Wealth First Account

Enjoy up to 7.51% p.a.4 interest on your savings with the Citi Wealth First Account

&

Savings made even more rewarding
with up to 7.51% p.a.3 interest

The Citi Wealth First Account helps you grow your wealth by rewarding you for your banking and
wealth relationship. Boost your savings with bonus interest on your usual banking activities, as
well as when you insure and invest to achieve your wealth goals.

Earn higher interest and save more with every action

Spend and earn
1.5% p.a.
Invest and earn
1.5% p.a.
Insure and earn
1.5% p.a.
Borrow and earn
1.5% p.a.
Save and earn
1.5% p.a.
 
Base interest
0.01% p.a.
 
Tap to find out more

Upgrade to Citigold Private Client

Experience a suite of elevated offerings with a minimum of investible assets of S$1,500,000.
Join now to enjoy up to S$49,9007 welcome rewards.


Find out more

Frequently Asked Questions
Eligibility

You will need a minimum of S$250,000 in fresh funds in Assets Under Management (AUM).

“AUM” refers to the combined balances held in a client's primary accounts including Citibank checking and savings account (except cash management account), time deposits, investments and premiums of life insurances distributed by Citi and underwritten by AIA Singapore Private Limited (Reg. No. 201106386R).

You’ll need to be at least 18 years old.

Documents Required
  • For Singaporeans/PRs: No documents required. Your details will be retrieved and prefilled in your application
  • For Foreigners: Passport and Proof of address.
  • For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to official letters from educational institutions or schools
  • For Singaporeans/PRs: NRIC and Proof of address if your current address is different from address in NRIC
  • For Foreigners: Passport, Valid work pass and Proof of address.
  • For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to or schools
  • No documents required
About Citi Wealth First Account
  1. 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;
  2. 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;
  3. 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;
  4. A new home loan (excluding interest offset home loans) of at least S$500,000 or;
  5. An increase in your account's average daily balance from previous month's average daily balance by at least S$3,000

The bonus interest applicable for each Qualifying Transaction Category is as follows:

  1. Spend - 1.5% p.a.
  2. Invest - 1.5% p.a. for 12 months;
  3. Protect - 1.5% p.a. for 12 months;
  4. Borrow - 1.5% p.a. for 12 months;
  5. Save - 1.5% p.a.

Yes. The applicable bonus interest of 1.5% p.a. (Spend) + 1.5% 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.


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:

  1. Money market funds;
  2. Investments using Central Provident Fund Savings or Supplementary Retirement Schemes;
  3. Investment transactions that are back valued to such date that is beyond the current calendar month;
  4. Securities trading;
  5. Currency investments (Premium Account, Leveraged Trading Account, Citibank Currency Trading Account); and Gold Account.
  6. Investment purchases are only available to persons aged 21 years old and above.

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:

  1. for Spend Transactions, the daily balance in your account for the calendar month in which the minimum debit card spend is incurred ("Posting Date");
  2. for Investment Transactions, the daily balance in your account for the 12-month period commencing from the settlement date ("Settlement Date");
  3. for Insurance Transactions, the daily balance in your account for the 12-month period commencing from the policy inception date ("Inception Date");
  4. for Home Loan Transactions, the daily balance in your account for the 12-month period commencing from the loan disbursement date ("Disbursement Date"); and
  5. 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:

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”):

  1. Citigold requirement: S$250,000
  2. 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:

  1. the average daily balance of your checking, savings and deposit accounts,
  2. the average daily value of your investments, and
  3. 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.

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.

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.

Terms and Conditions

*To be eligible for the S$10,900 Citigold welcome rewards, you will have to fulfill all of the following criteria:-

- Successfully establish a Citigold relationship with S$800,000 in Fresh Funds,

- Of the S$800,000 in Fresh Funds, invest and/or insure S$300,000 before the end of the Qualifying Period,

- Place $500,000 in a 6-month Time Deposit,

- Hold an eligible primary Citi Credit Card

- Maintain the Citigold relationship up to point of reward fulfilment.

1Click here for Citi New-to-Bank Welcome Programme 2024 terms and conditions

2Click here for SGD Time Deposit terms and conditions

3Click here for full Citi Wealth First Account terms and conditions.

4For Citibank Online Brokerage Promotion Terms and Conditions, visit here

5For details on Citigold preferential interest rates for SGD and USD time deposits, visit here

6Annual fee waiver applies to one Citibank core credit card and one Citibank co-branded credit card excluding Citi Ultima Card and Citi Prestige Card, if the Eligible Customer maintains the Citigold relationship.

7To be eligible for the S$49,900 Citigold Private Client welcome rewards, you will have to fulfill all of the following criteria:-.

- Successfully establish a Citigold Private Client relationship with S$3,000,000 in Fresh Funds,

- Maintain a valid Investment Risk Profile and complete the Fact Find Report by end of Welcome Period,

- Of the S$3,000,000 in Fresh Funds, invest and/or insure S$1,200,000 before the end of the Qualifying Period,

- Place $1,800,000 in a 6-month Time Deposit,

- Hold an eligible primary Citi Credit Card

- Maintain the Citigold Private Client relationship up to point of reward fulfilment.

Disclaimer

The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.

This advertisement has not been reviewed by the Monetary Authority of Singapore

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 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.

Citibank is currently located at 3 Changi Business Park Crescent, Singapore 486026.

This advertisement has not been reviewed by the Monetary Authority of Singapore

Enjoy up to S$10,900* welcome rewards when you invest, insure and save with Citigold. *T&Cs apply.