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Building Wealth
while living the life?
That's a win.
Life’s richer when you have access to bespoke wealth solutions and elevated lifestyle privileges. Live a winning life with Citi.
Enjoy elevated privileges as a valued Citigold Private Client customer who is
an Accredited Investor and a Citi Prestige cardmember.
Be rewarded for the relationship that you’ve built with us, because we truly value you.
For client with Investible Assets of S$1,500,000
Enhanced Welcome Offer or Annual Fee Waiver on Citi Prestige Card
Receive up to 162,500 Thank YouSM Points1 (65,000 miles) or, for the first time ever,
enjoy a one-time annual fee waiver2 (worth S$598 plus prevailing GST)
Airport Lounge Access
Access airport lounges worldwide with 16 complimentary visits3 via Priority Pass and DragonPass
Golf Experiences
Tee off at highly celebrated golf courses with up to 11 complimentary games4
Complimentary Points Transfer
Enjoy 2 complimentary Points Transfers5 for airline miles or hotel points
Priority Booking for Exclusive Experiences
Get priority access to sought-after restuarants and premier entertainment experiences6
Complimentary e-Trades
Enjoy complimentary e-Trades8 (rebate on fees capped at S$800)
Unlock Access to Exclusive Benefits with Citi
Experience more of life's best and live a winning life. From extensive wealth solutions, institutional-grade advice to privileges
that are exclusively accorded to you, we reward you in more ways than one in recognition of your total client relationship.
- Wealth Capabilities
- Legacy
- Globality
- Travel & Lifestyle
Built for the Discerning Investor
Institutional-Grade Wealth Insights
Global Analyst Insights
Make timely decisions with the latest global insights from Citigold Client Advisory.
Digital Research Access
Stay updated with our thought leadership content via the Citi Mobile® App’s Digital Library.
Dedicated Client Advisor
Gain access to wealth advisory from your team of wealth specialists, led by your Client Advisor.
Exclusive Access when you sign up as an Accredited Investor
Diversified Wealth Opportunities
Gain access to a more comprehensive range of financial products and services available only to Accredited investors*.
Wide Range of Investments
Trade in Bonds, Structured Notes and restricted Investment Funds without the minimum S$200k per transaction requirement.
Proprietary Wealth Tools
Portfolio 360
Get a 360° analysis of your portfolio and gain insights in times of market stress.
Total Wealth Advisor
Keep your portfolio on track with our goal-based wealth advisory tool.
Citigold Diversification Index
Work towards creating a well-diversified portfolio by benchmarking it against Citi's proprietary index.
Market-Leading Wealth Solutions
Portfolio Advisory
Receive tailored advice that aligns your goals with dynamic market opportunities.
Global Wealth Management Solutions
Access a full spectrum of global investment strategies designed to preserve and grow wealth.
Shaping Legacies that Last
From one generation to the next - our comprehensive legacy planning and intergenerational wealth solutions help you preserve and grow your family's wealth.
Give your children a chance to learn from experts through talks, industry visits and networking sessions with CEOs with the Young Successor Program.
Personalised Insurance and Legacy Planning Solutions
Access to Will, Trust and Estate Planning guidance
Global Access, Unmatched Convenience
Citibank Global Wallet
Enjoy zero foreign currency fees on your overseas and online spends plus lock in your preferred FX rates.
Citibank Global Transfer
Move funds instantly and securely between Citibank
accounts in select countries. Enjoy zero fees, and
complete convenience wherever you are.
Fee-free ATM Withdrawals Worldwide
Access your cash at Citibank ATMs globally without withdrawal charges with your Citigold Debit Mastercard or Citigold Private Client World Elite Debit Mastercard. Enjoy seamless convenience across borders.
Dual Benefits, One Exclusive Experience
Airport Limousine Transfers
- Get up to 16 complimentary transfers per calendar year as a Citigold Private Client customer
- Enjoy 2 more complimentary transfers per quarter when you meet the required spend on the Citi Prestige Card
Airport Lounge Access
- Receive 12 complimentary accesses to Priority PassTM lounges on the Citi Prestige Card
- Get 2 complimentary accesses to DragonPass lounges as a Citigold Private Client customer
- Enjoy 2 more complimentary Priority PassTM lounge accesses as a Citigold Private Client customer and Citi Prestige cardmember
Green Fees
- Tee off at golf courses worldwide with 4 complimentary green fees as a Citigold Private Client customer
- Get 6 complimentary green fees as a Citi Prestige cardmember
- Enjoy 1 more complimentary green fee as a Citigold Private Client customer and Citi Prestige cardmember
Travel Insurance
- Travel with peace of mind with complimentary travel insurance coverage of up to US$500,000 on trips booked with the Citigold Private Client World Elite Debit Mastercard or Citi Prestige Card
Additional benefits^ as a Citigold Private Client customer
- Celebrate your special day with a complimentary birthday cake from Ginger Lily, Hilton Singapore Orchard
- Enjoy car rental privileges with Avis or Hertz
- Tap on Mastercard Travel & Lifestyle Services to plan an exotic trip, secure a table at sought-after restaurants and more
- Sign up and spend with Paragon Club to receive instant ascension to the Prestige tier and enjoy bespoke benefits
Additional benefits+ as a Citi Prestige cardmember
- Enjoy accelerated earn rate of 5 ThankYouSM Points (2 miles) for every S$1 foreign currency spent
- Access Citi Prestige Digital Concierge anytime, anywhere on the Citi Mobile® App
- Experience Haute Dining and explore diverse cuisines at a selection of the finest restaurants
- Unlimited 4th night complimentary stay at participating hotels worldwide booked through the Citi Prestige Concierge
- Relationship Bonus: Earn up to 30% bonus ThankYouSM Points on annual card purchases on your Citi Prestige Card as a Citigold Private Client customer
Explore Your Wealth Journey
Join us now and be rewarded for your total client relationship with us.
New to Citigold Private Client and Citi Prestige Card
Receive welcome rewards7 worth up to S$40,110 and up to 162,500 ThankYouSM Points (65,000 Miles)1 when you join as a Citigold Private Client customer and Citi Prestige cardmember.
For client with Investible Assets of S$1,500,000
Already a Citi Prestige Cardmember? Start your Citigold Private Client relationship.
Receive welcome rewards7 worth up to S$40,110 when you start your wealth journey with Citigold Private Client.
For client with Investible Assets of S$1,500,000
Already a Citigold Private Client customer? Apply for the Citi Prestige Card.
Receive welcome rewards1 worth up to 162,500 ThankYouSM Points (65,000 Miles) when you apply for Citi Prestige Card.
Exclusive Promotions
Special offers for Citigold Private Client customers and Citi Prestige Cardmembers.
Citi PayAll
Earn a higher bonus of up to 4.5 Citi ThankYouSM Points / 1.8 Miles per S$1 spent on fee-paying PayAll transactions. Plus, an additional S$100 eCapitaVoucher.
T&Cs apply. Valid until 31 Aug 2025.
Citi Time Deposit Promotion
Get preferential rates on your Time Deposit as an Accredited Investor with Citi.
E-Brokerage
Enjoy 6-month commission-free buy trades online4 for U.S. and Hong Kong markets when you open a new Brokerage account.
Frequently Asked Questions (FAQs)
About Citi Wealth First Account
- 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
The bonus interest applicable for each Qualifying Transaction Category is as follows:
- Spend - 1.5% p.a.
- Invest - 1.5% p.a. for 12 months;
- Protect - 1.5% p.a. for 12 months;
- Borrow - 1.5% p.a. for 12 months;
- 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:
- 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.
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:
| Balance Tier | Citibanking | Citi Priority | Citigold | Citigold Private Client |
|---|---|---|---|---|
| Average Daily Balance; Incremental Balance |
First S$50,000 | First S$50,000 | First S$250,000 |
First S$500,000 |
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”):
- Citigold requirement: S$250,000
- 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:
- the average daily balance of your checking, savings and deposit accounts,
- the average daily value of your investments, and
- 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.
Accredited Investor
An Accredited Investor is an individual who meets the requirements set out under the Securities and Futures Act, 2001 of Singapore and opts in to be treated as an Accredited Investor by the bank. To qualify, the individual will need to fulfil one of the following criteria below:
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.
*Subject to meeting Accredited Investor eligibility criteria. Visit www.citibank.com.sg/AccdInv for details on eligibility criteria and for more information about opting in as an Accredited Investor.
Terms and Conditions
1Terms and conditions for the Citi Prestige Card 162,500 Citi ThankYouSM Points Welcome Offer apply and is available at www.citibank.com.sg/pmrctc
2Terms and conditions for the Citi Prestige Annual Fee Waiver apply and is available at www.citibank.com.sg/ctwafw
3Terms and conditions for the Complimentary Airport Lounge Access Promotion apply and is available at www.citibank.com.sg/ctwlounge
4Terms and conditions for the Additional Complimentary Golf Game Promotion apply and is available at www.citibank.com.sg/ctwgolf
5Terms and conditions for the Complimentary Points Transfer Promotion apply and is available at www.citibank.com.sg/ctwpt
6Applicable to Citigold Private Client customers with a minimum of S$1,500,000 in Assets Under Management, who are Accredited Investors and also Citi Prestige cardmembers.
7To be eligible for the S$40,110* 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,
- Sign up as an Accredited Investor (AI) on an individual basis in the capacity as a primary accountholder,
- Of the S$3,000,000 in Fresh Funds, invest and/or insure S$2,500,000 before the end of the Welcome Period,
- Place $500,000 in a 3-month Time Deposit,
- Hold an eligible primary Citi Credit Card.
- Maintain the Citigold Private Client relationship up to point of reward fulfilment.
Terms and conditions for the Citi New-to-Bank Welcome Programme 2025 apply and is available at www.citibank.com.sg/ntb
8Terms and conditions for the Complimentary e-Trades Promotion apply and is available at www.citibank.com.sg/ctwtrade
+Terms and conditions for the Citi Prestige benefits apply and is available at www.citibank.com.sg/prestigetnc
^Terms and conditions apply to the respective privileges apply and is available at www.citibank.com.sg/cpcprivileges
Important Notes
This advertisement has not been reviewed by the Monetary Authority of Singapore.
*Accredited Investors are assumed to be better informed, and better able to access resources to protect their own interests, and therefore require less regulatory protection. Investors who agree to be treated as Accredited Investors therefore forgo the benefit of certain regulatory safeguards. When the bank deals with Accredited Investors, Citibank is exempt from complying with certain requirements under the Financial Advisers Act, 2001 (“FAA”) of Singapore and the Securities and Futures Act, 2001 of Singapore, and related regulations, notices and guidelines that are meant to provide regulatory safeguards to retail clients. This includes, but is not limited to, a number of business conduct requirements such as Disclosure of Product Information (Section 34 of FAA), Reasonable Basis for Investment Recommendation (Section 36 of FAA), and Disclosure of Certain Interests in Securities (Section 45 of FAA), and which sections client cannot rely upon in relation to any civil claim against Citibank or a Citigroup company. Investors should consult a professional adviser if they do not understand any consequence of being treated as an Accredited Investor.
As an Accredited Investor, client is responsible for any and all suitability and reasonableness decisions on investments, including any advice on product suitability received from Citibank. Learn more about the effects of being treated as an Accredited Investor at www.citibank.com.sg/accdinv > Schedule 2.
Please note the application for Accredited Investor status is approved at the sole discretion of Citi. For more detailed information on the Accredited Investor eligibility and definitions, please refer to www.citibank.com.sg/accdinv for more information.
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
Important Investment Information
Investments are:
Not Bank Deposits • Not Bank Guaranteed • May Lose Value • Not FDIC Insured • Not SDIC Insured • Not Offered to US Persons • Are subject to investment risks, including the possible loss of the principal amount invested.
This communication does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation. Interested investors should seek the advice of their financial advisors, as appropriate.
Disclaimer
The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The content on this website 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.
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.
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