Citigold (Time Limited Offer of Up to S$2,400 Cash)

Citigold (Time Limited Offer of Up to S$2,400 Cash)

Experience unparalleled banking with Citigold in Singapore. Enjoy high-interest savings, personalized accounts, and 24/7 access. Benefit from competitive rates, exclusive rewards, and FDIC security. Elevate your financial future today.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Privileges
Others
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Highlights

Min. Deposit
S$ 300,000
Max. Annual Interest Rate
7.51  %
Min. Annual Interest Rate
0.01  %
Min. Assets Under Management
From S$ 300,000
Base Annual Interest Rate
0.01  %
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Offer Available
Apple iPhone 16 128GB (worth S$1,299)
SingSaver Exclusive Offer
Apple iPhone 16 128GB (worth S$1,299)
  • SingSaver Exclusive promotion is valid until 1 June 2025.
  • Promotion is valid for new Citibank Bank Account holders only.
    • Existing applicants of Citi Credit Card or Personal Loan products are still eligible.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, and have a valid Investment Risk Profile and Fact Find Report to be eligible for S$500 Cash via PayNow.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, have a valid Investment Risk Profile and Fact Find Report, and opt-in to become an Accredited Investor to be eligible for an Apple iPhone 16 128GB (worth S$1,299) or S$1,000 Cash via PayNow or Apple iPad Air (M3) 11" WiFi 128GB (worth S$899).
  • Customer is entitled to one of the above rewards only.
  • Terms and Conditions apply.
Apple iPad Air M3 11
SingSaver Exclusive Offer
Apple iPad Air M3 11" WiFi 128GB (worth S$899)
  • SingSaver Exclusive promotion is valid until 1 June 2025.
  • Promotion is valid for new Citibank Bank Account holders only.
    • Existing applicants of Citi Credit Card or Personal Loan products are still eligible.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, and have a valid Investment Risk Profile and Fact Find Report to be eligible for S$500 Cash via PayNow.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, have a valid Investment Risk Profile and Fact Find Report, and opt-in to become an Accredited Investor to be eligible for an Apple iPhone 16 128GB (worth S$1,299) or S$1,000 Cash via PayNow or Apple iPad Air (M3) 11" WiFi 128GB (worth S$899).
  • Customer is entitled to one of the above rewards only.
  • Terms and Conditions apply.
S$1,000 Cash via PayNow
SingSaver Exclusive Offer
S$1,000 Cash via PayNow
  • SingSaver Exclusive promotion is valid until 1 June 2025.
  • Promotion is valid for new Citibank Bank Account holders only.
    • Existing applicants of Citi Credit Card or Personal Loan products are still eligible.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, and have a valid Investment Risk Profile and Fact Find Report to be eligible for S$500 Cash via PayNow.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, have a valid Investment Risk Profile and Fact Find Report, and opt-in to become an Accredited Investor to be eligible for an Apple iPhone 16 128GB (worth S$1,299) or S$1,000 Cash via PayNow or Apple iPad Air (M3) 11" WiFi 128GB (worth S$899).
  • Customer is entitled to one of the above rewards only.
  • Terms and Conditions apply.
S$500 Cash via PayNow
SingSaver Exclusive Offer
S$500 Cash via PayNow
  • SingSaver Exclusive promotion is valid until 1 June 2025.
  • Promotion is valid for new Citibank Bank Account holders only.
    • Existing applicants of Citi Credit Card or Personal Loan products are still eligible.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, and have a valid Investment Risk Profile and Fact Find Report to be eligible for S$500 Cash via PayNow.
  • Successfully start a Citigold relationship, make a S$300,000 deposit within 3 months of account opening, have a valid Investment Risk Profile and Fact Find Report, and opt-in to become an Accredited Investor to be eligible for an Apple iPhone 16 128GB (worth S$1,299) or S$1,000 Cash via PayNow or Apple iPad Air (M3) 11" WiFi 128GB (worth S$899).
  • Customer is entitled to one of the above rewards only.
  • Terms and Conditions apply.
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Quick Facts

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SingSaver Exclusive Rewards

  • Get an upsized reward of S$1,000 or an Apple iPhone 16 128GB (worth S$1,299) or an Apple iPad Air 11" WiFi 128GB (worth S$899) when you make a deposit of S$300,000 and opt in as an Accredited Investor.
  • Alternatively, get S$500 when you deposit S$300,000.
  • Enjoy additional S$200 Grab Voucher when you make a deposit of S$300,000 within the first 30 days from the date of account opening and maintain the funds until gift fulfilment.
  • Enjoy additional S$200 Grab Voucher when you invest S$30,000 within 3 months from the date of account opening.

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Stackable Citi Rewards

  • Enjoy $300 rewards when you become an accredited investor. T&Cs apply.
  • Complete Investment Risk Profile and Fact Find Report and get S$100 cash. T&Cs apply.
  • Multiply your rewards and enjoy S$250 cash for every S$50,000 investment and/or insurance purchase. T&Cs apply.
  • Hold a valid primary/main Citi Credit Card and get a S$100 bonus cash reward. T&Cs apply.
  • Take up a Citi Home Loan and get a S$500 bonus cash reward. T&Cs apply.
  • Enjoy Citigold Preferential Time Deposit Rates of up to 2.70%* p.a. on a 3-month SGD Time Deposit. T&Cs apply.

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Citigold Exclusive Benefits and Privileges

  • Enjoy up to 7.51% p.a. interest when you join Citigold and open a Wealth First account. T&Cs apply.
  • Enjoy zero foreign transaction or currency conversion fees in over 15 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard.
  • Enjoy 0%* commission buy trades online for U.S. & Hong Kong markets for 6 months when you open a new Citibank Brokerage account.
  • Get wealth management advice and solutions from a dedicated Relationship Manager and team of wealth specialists
  • Receive in-depth global market insights and research knowledge from a team of over 350+ research analysts.
  • Enjoy fully personalised wealth management solutions with Citigold's Total Wealth Advisor.
  • Citigold status is maintained at Citibank branches overseas.
  • Read our full review of Citigold

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What is an Accredited Investor?

  • An Accredited Investor is someone who meets the requirements set out by the Monetary Authority of Singapore (MAS) and has opted in to be treated as an Accredited Investor by the bank. Accredited Investors generally have access to a wider range of investment products than non-Accredited Investors, and at the same time require less regulatory protection.

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How to be an Accredited Investor

  • Start your wealth journey with Citigold and speak to your relationship manager.

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Advantages of an Accredited Investor

  • Expand investment opportunities
    • Enjoy access to a wider range of financial products and services, including more sophisticated products to meet your bespoke wealth needs.
  • Access to a team of dedicated wealth experts
    • You can count on a dedicated Senior Relationship Manager and a team of experts to help you grow your portfolio and partner you to achieve your wealth goals.

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Eligibility for Accredited Investor

  • Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency); or
  • Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency); or
  • An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency)

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Eligibility

Min. Assets Under Management
From S$ 300,000
Minimum Age
18  years old
Alternative Eligibility Criteria
N/A
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Fees / Repayment

Base Interest Rate
0.01  %
Bonus Interest Rate
Funds Deposited Bonus Interest Rate
S$0 - S$100000 7.5%
Monthly Account Fees
S$ 15
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Privileges

Concierge Services
Yes
Dedicated Wealth Manager
Yes
Lifestyle Privileges
Spas, F&B vouchers, cosmetics, staycation, luxury goods discounts
Investment Privileges
Investment counsellor and a treasury specialist
Insurance Privileges
Time deposit interest rates of up to 18.88% p.a.
Loan Privileges
Preferential interest rates for Personal and Home loans
Other Privileges
Keep track on all overseas banking accounts with Global View of Account feature
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Others

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Citigold (Time Limited Offer of Up to S$2,400 Cash) Citigold (Time Limited Offer of Up to S$2,400 Cash)

Pros & cons

Pros Cons
Access to a dedicated Relationship Manager and team of specialists High minimum AUM requirement of $250,000
Exclusive lifestyle privileges and global banking benefits Some benefits may be more suited for frequent travellers or high-net-worth individuals
Citigold Debit Mastercard® with cashback offers  

 

Who is Citigold for?

This card is ideal for individuals seeking comprehensive wealth management services, clients who are interested in global banking and investment opportunities, as well as those looking for exclusive lifestyle and travel privileges.

Compared to other bank accounts

Citigold is tailored for individuals seeking comprehensive wealth management solutions, offering a dedicated Relationship Manager, global investment opportunities, and exclusive lifestyle privileges.

In contrast, CIMB Preferred caters to clients desiring personalized banking experiences with lower entry requirements, providing access to exclusive events, preferential rates, and family banking benefits.

Meanwhile, HSBC Everyday Global Account (Premier) is ideal for those who prioritize multi-currency transactions and everyday banking rewards, featuring cashback on spending, bonus interest rates, and seamless international banking services.

Citigold

Interest Rate: Base interest rate of 0.01% p.a., with bonus interest up to 7.51% p.a. when you join Citigold and meet specific criteria.

Annual Fee: None

Minimum Asset Under Management (AUM): $250,000

Benefits:

  • Dedicated Relationship Manager and team of experts
  • Global investment and banking services
  • Exclusive lifestyle and travel privileges
  • Citigold Debit Mastercard with cashback and multi-currency wallet
  • Access to market insights and advisory

CIMB Preferred

Interest Rate: Up to 3.60% p.a. interest rate with no cap on interest earned and no lock-in period.

Annual Fee: None

Minimum AUM: $250,000


Benefits:

  • Access to a Preferred Relationship Manager
  • Exclusive invitations to financial webinars and lifestyle events
  • Preferential banking rates and fee waivers
  • Family banking privileges, allowing up to 3 immediate family members to enjoy benefits
  • High-interest savings with CIMB StarSaver Account (up to 3.3% p.a.)

Learn More

HSBC Everyday Global Account (Premier)

Interest Rates:

  • Base Interest: 0.05% p.a.
  • Bonus Interest: Up to 3.70% p.a. when meeting specific criteria, such as participating in the HSBC Everyday+ Rewards Programme and maintaining incremental average daily balances

Annual Fee: None

Minimum AUM: $200,000

Benefits:

  • Multi-currency account supporting up to 11 currencies
  • 1% cashback on eligible debit card spends and GIRO bill payments
  • Bonus interest rates up to 3.70% p.a.
  • Fee-free international transfers and cash withdrawals at HSBC ATMs worldwide
  • Access to HSBC Premier privileges, including global support and exclusive offers

Learn More

 

How to create a Citigold account

Step 1: Compare and confirm your eligibility

Visit SingSaver’s Citigold page to learn about the key benefits and requirements. Ensure that you meet the minimum eligibility criteria, which includes being at least 18 years old and maintaining a minimum $250,000 in fresh funds.

Step 1: Compare and confirm your eligibility

Visit SingSaver’s Citigold page to learn about the key benefits and requirements. Ensure that you meet the minimum eligibility criteria, which includes being at least 18 years old and maintaining a minimum $250,000 in fresh funds.

Step 2: Complete the online application form

Once ready, click “Apply Now” on the SingSaver Citigold page. You’ll be redirected to Citibank Singapore’s application form to complete your details securely online.

Step 3: Upload the necessary supporting documents

Prepare and upload any necessary documents such as proof of identity, proof of address, and financial statements showing the funds available for transfer.

Step 4: Await Citibank’s approval and onboarding call

Once your application and documents are submitted, Citibank will review your application. If successful, a Relationship Manager will reach out to assist you with onboarding and activating your Citigold relationship.

Step 5: Fund your Citigold account

Transfer the minimum required funds ($250,000) to activate your Citigold status and start enjoying all the privileges and personalised wealth management services.

 

Frequently asked questions about Citigold

Who is eligible for Citigold?

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The liability aspect of the card schemes differs significantly. Business cards often rely on individual liability, whereas corporate cards rely on corporation liability. The Airwallex Corporate Card is a corporate card.

How to qualify for Citigold Singapore?

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You need to meet the eligibility criteria which include being at least 18 years old and maintaining the required minimum AUM of $250,000. Once qualified, Citigold gives you global banking access, investment opportunities and lifestyle privileges.

How much money do you need to qualify for Citigold?

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To qualify for Citigold in Singapore, you need to maintain a minimum AUM of $250,000 in fresh funds with Citibank Singapore.

How do you get Citigold status?

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You can obtain Citigold status by opening a Citigold account with Citibank Singapore and meeting the minimum AUM of $250,000. Once onboarded, you’ll enjoy access to a dedicated Relationship Manager and a suite of exclusive privileges.

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.