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Your wealth journey begins here
Enjoy up to S$13,865*welcome rewards when you join Citigold.
*T&Cs apply.
All for you.
All at once.
Apply for Citigold and Citi Credit Card with just one simple journey.
Exclusive Citigold SGD TD Rate
Enjoy preferential time deposit rates when you join Citigold.
*T&Cs apply.
Savings made even more rewarding
with up to 7.51% p.a.4 interest
Your wealth journey with us is now more fulfilling with
the Citi Wealth First Account
Your true worth goes beyond
your financial worth
However you define your sense of true worth, it guides us as your partner in your wealth journey
NEW CITIGOLD CUSTOMER
You are new to Citigold if you do not have an existing current/savings account with us.
Fresh Funds Reward1
Up to
S$11,000
when you deposit fresh funds of min. S$250,000 into your Citi Wealth First Account
OR
Preferential Time Deposit rates2
Up to
3.50% p.a.
on a 3-month SGD
Time Deposit
Up to
3.20% p.a.
on a 6-month SGD
Time Deposit
Wealth Starter Reward3
S$100
when you successfully complete Investment Risk Profile and Fact Find Report with your Relationship Manager and/or Insurance Specialist
Earn additional cash rewards when you:
Hold a Citi
Credit Card3
S$300
Take up a
Citi Home Loan3
S$500
Make S$100,0003 of investments and/or insurance purchase
with Citi
S$600
Maintain Citigold
relationship for 12 months3
S$960
Enjoy welcome rewards
worth up to S$13,865*
When you deposit S$800,000 fresh funds into your Citi Wealth First Account.
S$1,750
When you purchase S$700,000 of investments and/or insurance.
S$4,200
When you successfully complete your Investment Risk Profile and Fact Find Report.
S$100
When you hold an eligible Citi Credit Card, take up a Citi Home Loan and maintain your Citigold relationship for 12 months.
S$1,760
When you place S$100,000 in fresh funds, spend S$300 monthly on your Debit Card, increase the monthly average daily balance from the previous month by >S$3,000, take up a home loan, and hold investment/insurance.
S$6,055
Total Rewards
Up to
S$13,865*
See the amount of rewards you can enjoy with the following:
T&Cs apply. Click for more details.
Terms and Conditions
1Click here for Citi New-to-Bank Fresh Funds Programme 2024 terms and conditions.
2Click here for SGD Time Deposit terms and conditions.
3Click here for Citi New-to-Bank Welcome Programme 2024 terms and conditions.
4Click here for full Citi Wealth First Account terms and conditions.
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
&
Citi Prestige Card
Get up to 125,000 Citi ThankYouSM Points when you successfully apply and spend.
Citi Rewards Card
Get 40,000 bonus Citi ThankYou Points when you successfully apply and spend.
Citi PremierMiles Card
Get up to 30,000 bonus Citi Miles when you successfully apply and spend.
Citi Cash Back+ Card
Get 8% cash back when you successfully apply and spend.
(I do not have an existing current/savings account with Citi)
(I have an existing current/savings account with Citi)
Enjoy exclusive welcome rewards when you start a Citigoldrelationship and sign up for a CitiCreditCard!
Citi Wealth First Account
Benefits of joining Citigold
-
Up to 7.51% p.a.4 on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action
-
Personalised wealth solutions tailored to your needs. Our Total Wealth Advisor offers end-to-end solutions that will always keep you in control
-
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
+
Citi Prestige Card
Get up to 125,000 Citi ThankYouSM Points Welcome Offer when you successfully apply and spend1
-
5 ThankYou Points (2 miles) for every S$1 spent overseas and 3.25 ThankYou Points (1.3 miles) for every S$1 spent locally
-
Complimentary 4th night stay at hotels or resorts worldwide
-
Enjoy 2 complimentary rides per quarter with a minimum spend of S$12,000 within the same quarter and unlimited lounge access
-
Indulge in 6 complimentary golf games in Singapore, 1-for-1 dining experiences and more
Welcome offer is eligible for new Citi Prestige Cardmembers when you apply and make a qualifying spend of S$1,000 in local currency and/or qualifying spend of S$1,000 in foreign currency in the first 2 months, with 1st year annual fee payment.
Citi Rewards Card
Get 40,000 bonus Citi ThankYou Points Welcome Offer when you successfully apply and spend2
-
10X Points2 for online purchases (for online grocery, food delivery, ride-hailing and more)
-
10X Points2 for in-store shopping purchases (for department store, clothing stores and more)
-
1X Point2 for all other purchases
Welcome offer is eligible for new Citi Rewards Cardmembers only with S$800 qualifying spend in the first 2 months.
Citi PremierMiles Card
Get up to 30,000 bonus Citi Miles Welcome Offer when you successfully apply and spend3
-
1.2 Citi Miles3 per S$1 local spend and 2 Citi Miles3 per S$1 foreign currency spend
-
Citi Miles never expire
-
2 complimentary visits3 every year to airport lounges worldwide
Welcome offer is eligible for new Citi Cardmembers only with S$800 qualifying spend in the first 2 months.
Citi Cash Back+ Card
Get 8% Cash Back Welcome Offer when you successfully apply and spend4
-
Earn 1.6% cash back on your spend4 all year round with no minimum spend required and no cap on cash back earned
-
No minimum spend required & no cap on cash back earned
-
Cash back earned does not expire
Welcome offer is eligible for new Citi Cash Back+ Card Cardmembers only with S$800 qualifying spend in the first 2 months.
Yes, I want to apply for Citigold and a Citi Credit Card together
Join Citigold and open Citi Wealth First Account only
Log in to your banking account
Click/Tap QR code
to log in to to the Citi Mobile® App
Spend and earn
(1.5% p.a.)
Spend a minimum of S$250 (or its equivalent in foreign currency) on eligible retail transactions per calendar month on your Citibank Debit Mastercard®. Aggregated spend will be based on transaction posting date. Interest is payable monthly upon meeting the minimum spend.
Invest and earn
(1.5% p.a.)
Purchase new single lump sum investment (or combination of single lump sum investments) of at least S$50,000 in a calendar month. Investment transaction includes purchase of Unit Trust, Structured Notes and Bonds. Investments must be settled within the calendar month. Interest will be paid for a consecutive period of 12 months.
Insure and earn
(1.5% p.a.)
Purchase a new single premium insurance policy (or multiple single premium policies) with total premiums of at least S$50,000 in a calendar month. Policies purchased using Central Provident Fund Savings or Supplementary Retirement Schemes are excluded. Interest will be paid for a consecutive period of 12 months.
Borrow and earn
(1.5% p.a.)
Take up a new home loan of at least S$500,000. Mortgage Loans with Interest Offset features and Overdraft facilities are excluded. Interest will be paid for a consecutive period of 12 months.
Save and earn
(1.5% p.a.)
Increase your account's average daily balance from previous month's average daily balance by at least S$3,000. Interest will be paid on the incremental average daily balance.
Base interest
(0.01% p.a.)
Enjoy 0.01% base interest rate on your savings
Savings made even more rewarding
with up to 7.51% p.a.4 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
Enjoy exclusive offers and privileges as a Citigold client
E-Brokerage
6-month commission-free buy trades online for U.S. and Hong Kong markets5
Time Deposit Preferential Rates
Preferential interest rates for SGD and USD time deposits, investment, and insurance time deposit bundle6
eFX
Stand to win S$50 GrabGifts vouchers7 when you perform FX conversions through Citi eFX or Citibank Global Wallet
Card Fee Waivers
Enjoy annual fee waiver on your Citi Credit Cards8
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
Explore the meaning of True Worth
At Citigold, we believe your life's value is not fully captured by your financial worth.
Your passions, your relationships with the people close to your heart and the legacy you aspire to leave behind are all priceless things that give meaning to your life and ultimately define your true worth. It’s perspectives such as these that inspire us to constantly broaden our understanding of what truly enriches your life and guides us as your wealth partner.
Meet Belinda Lee, a star of the screen and of the community who defines her true worth through the unbreakable bonds she builds with the people around her and the difference she makes in their lives.
As a conservation biologist, Dr Jessica Lee fights to protect Asia’s birdlife and their habitats. She sees her true worth in her legacy as a protector of our fragile ecosystems.
Eligibility
AUM Requirement
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).
Age
You’ll need to be at least 18 years old.
Documents Required
For new Citi Customers with Singpass
- 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 new Citi Customers without Singpass
- 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
For existing Citi Credit Cardholders and/or other Existing Citibank customers
- No documents required
About Citi Wealth First Account
You will earn up to 7.51% p.a. bonus interest on your 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 - 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.
Can I earn bonus interest on my Citi Wealth First Account if I only spend and invest?
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.
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.
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 disbursem*nt date ("Disbursem*nt 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, Disbursem*nt 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 Disbursem*nt 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”):
- 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.
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
*To be eligible for the S$13,865 welcome gift, you will have to fulfill all of the following criteria:-
- Successfully establish a Citigold relationship with S$800,000 in Fresh Funds (excluding Time Deposits),
- Of the S$800,000 in Fresh Funds, invest S$400,000 and take up insurance of S$300,000 from Enrolment Month to end of the Qualifying period,
- Maintain S$100,000 in Citi Wealth First Account, spend S$300 monthly on your Citi Debit Mastercard and save S$3,000 monthly for 12 months from time of establishing Citigold Private Client relationship,
- Hold an eligible primary Citi Credit Card
- Take up a new home loan with Citi of at least S$800,000
- Maintain the Citgold relationship until end of Loyalty Maintenance Period
1Click here Citi New-to-Bank Fresh Funds Programme 2024 terms and conditions
2Click here for SGD Time Deposit terms and conditions
3Click here for Citi New-to-Bank Welcome Programme 2024 terms and conditions
4Clickhere for full Citi Wealth First Account terms and conditions.
5For Citibank Online Brokerage Promotion Terms and Conditions, visit here
6For details on Citigold preferential interest rates for SGD and USD time deposits, visit here
7For Citi Online Foreign Exchange Reward Promotion Terms and Conditions, visit here
8Annual 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.
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 advertisem*nt 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$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.
Citibank is currently located at 3 Changi Business Park Crescent, Singapore 486026.