Start your wealth journey with Citigold
Select your preferred rewards, choose between the Base Reward or Preferential TD Rates
BASE REWARD
Get up to
S$6,716^
when you deposit fresh funds# of S$350,000, complete your Investment Risk Profile and Fact Find report with your relationship manager, make Investment transaction and/or Insurance purchase and more.
Your rewards at a glance
Start a new banking relationship with Citigold and deposit fresh funds within the Welcome Period to enjoy cash rewards.
| Fund In Amount | Cash Reward |
|---|---|
| S$250,000 | S$450 |
| S$350,000 | S$700 |
| S$500,000 | S$1,050 |
| S$750,000 | S$1,600 |
| S$1,000,000 | S$2,100 |
After depositing fresh funds, make accumulated Investment and/or Insurance purchases by 31 Dec 2023 to enjoy Bonus Rewards.
| Total Top Up / Purchases | Bonus Reward | |
|---|---|---|
| (A) Investment | (B) Insurance | |
| ≥ S$25,000 | S$200 | S$200 |
| ≥ S$50,000 | S$450 | S$450 |
| ≥ S$70,000 | S$800 | S$800 |
| ≥ S$100,000 | S$1,300 | S$1,300 |
| ≥ S$250,000 | S$3,300 | S$3,300 |
| ≥ S$350,000 | S$4,700 | S$4,700 |
| ≥ S$500,000 | S$6,700 | S$6,700 |
| ≥ S$750,000 | S$10,100 | S$10,100 |
| ≥ S$1 Million | S$13,500 | S$13,500 |
| ≥ S$1.5 Million | S$20,500 | S$20,500 |
| ≥ S$2 Million | S$27,500 | S$27,500 |
| ≥ S$3 Million | S$43,000 | S$43,000 |
Enjoy additional rewards if you are a primary Citibank Credit Card holder and/or take up a Citibank Mortage.
S$300 Cash Reward
if you hold a valid primary/main of any Citibank Credit Card.
S$500 Cash Reward
if you take up a Citibank Mortgage with min. loan size of
S$800,000 within 3 months of account opening
Click to see how your rewards add up
#Total Fresh Funds fund-in amount for Base Reward eligibility excludes Time Deposits placements.
PREFERENTIAL TIME DEPOSIT RATES
Enjoy exclusive rates on SGD Time Deposits with Citigold, with minimum fresh funds of S$10,000.
Up to 3.88% p.a.
on a 3-month SGD Time Deposit*
Up to 3.68% p.a.
on a 6-month SGD Time Deposit*
| SGD Fresh Funds Amount | 3 months tenor | 6 months tenor |
|---|---|---|
| S$10,000 to < S$250,000 | 3.68% | 3.48% |
| S$250,000 – S$3,000,000 | 3.88% | 3.68% |
*Terms and Conditions apply. Insured up to S$75K by SDIC.
Click here for full terms and conditions .
Earn bonus rewards when you purchase investment and/or investment
After depositing fresh funds, make accumulated Investment and/or Insurance purchases by 31 Dec 2023 to enjoy Bonus Rewards.
| Total Top Up / Purchases | Bonus Reward | |
|---|---|---|
| (A) Investment | (B) Insurance | |
| ≥ S$25,000 | S$200 | S$200 |
| ≥ S$50,000 | S$450 | S$450 |
| ≥ S$70,000 | S$800 | S$800 |
| ≥ S$100,000 | S$1,300 | S$1,300 |
| ≥ S$250,000 | S$3,300 | S$3,300 |
| ≥ S$350,000 | S$4,700 | S$4,700 |
| ≥ S$500,000 | S$6,700 | S$6,700 |
| ≥ S$750,000 | S$10,100 | S$10,100 |
| ≥ S$1 Million | S$13,500 | S$13,500 |
| ≥ S$1.5 Million | S$20,500 | S$20,500 |
| ≥ S$2 Million | S$27,500 | S$27,500 |
| ≥ S$3 Million | S$43,000 | S$43,000 |
Enjoy additional rewards if you are a primary Citibank Credit Card holder and/or take up a Citibank Mortage.
S$300 Cash Reward
if you hold a valid primary/main of any Citibank Credit Card.
S$500 Cash Reward
if you take up a Citibank Mortgage with min. loan size of
S$800,000 within 3 months of account opening
##This Promotion is not valid in conjunction with the Fund-in Base Reward
Guided by your vision of true worth.
Your wealth journey is more than just about the numbers. It’s also about the
people, passions and pursuits you care about.
These are what you define your sense of true worth by and help guide us as your
wealth partner. Plan your wealth goals with Citigold today.
Experience exclusive Citigold Benefits
Your Relationship Manager and team of experts will be
at hand to help you achieve your financial goals
Seize opportunities with round-the-clock market
insights from 400+ analysts worldwide
management
Our Total Wealth Advisor offers end-to-end
solutions that will always keep you in control
Speak with us to learn more about our holistic suite of wealth products and solutions. Request for a callback here.
DEPOSITS
Earn bonus interest with the Citi Wealth First Account
Boost your savings with up to 2.8% p.a. bonus interest as you save, spend, invest, insure and borrow.
WEALTH MANAGEMENT PRODUCTS
Achieve your Wealth Goals
Protect and grow your wealth with our full suite of investment and insurance products. From foreign currency trades to Investment Funds and insurance plans, get personalised solutions tailored to your wealth goals of savings, protection, legacy and retirement.
MORTGAGE
Your house, your rules, your rewards.
Unlock preferential mortgage interest rates with our customisable hybrid loan packages. Plus, reduce your monthly repayments with our Mortgage Interest Offset Account.
WEALTH TOOLS
Personalised wealth management
Fully customised to your needs, goals and finances, our Total Wealth Advisor offers end-to-end solutions that will always keep you in control.
Frequently Asked Questions
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 (investment funds, 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 Investment Funds, 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$1,500,000If 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.
Terms and Conditions
^Successfully established a Citigold relationship with S$350,000 Fresh Funds (excluding time deposits) and completes Investment Risk Profile and Fact Find Report, S$100,000 deposited into Citi Wealth First Account, maintaining the Citigold relationship and AUM for 12 months, is an existing / new primary Citi Credit Card holder, spends S$250 monthly on his Citibank Debit Mastercard, invests S$150,000 and takes up an insurance of S$100,000 and continue to maintain the investment and insurance till 31 December 2023, saves S$3,000 monthly, and takes up a new home loan of at least S$800,000. Find out more about Citi New-to-Bank Base Reward Promotion, Citi New-to-Bank Additional Base Reward Promotion and Citi New-to-Bank Bonus Reward Promotion.
+ With S$250,000 Fresh Funds (excluding time deposits), 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, invests S$100,000 and insures S$50,000 respectively, saves S$3,000 monthly, completes a goal setting session, completes a fact find report, takes up a new home loan of at least S$800,000, and successfully opens his bank account via online opening form. Find out more about Citi New-to-Bank Base Reward Promotion, Citi New-to-Bank Additional Base Reward Promotion and Citi New-to-Bank Bonus Reward Promotion.
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, Brazil and New Zealand. 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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*Full terms and conditions apply
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Diversify your investment portfolio and enjoy discounted sales charge to selected Investment Fund.
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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.
Get up to S$6,716^ cash when you join Citigold with S$350,000 today.
Get up to S$6,716^ cash when you join Citigold with S$350,000 today.