updated: May 20, 2025
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
Ready to boost your wealth and score premium rewards at the same time? With Citigold, you gain access to a dedicated wealth management team, preferential rates, and global banking privileges designed to grow and protect your funds.
Get an Apple iPhone 16 128GB, an Apple iPad Air (M3) 11", or up to S$1,000 cash via PayNow when you successfully apply for a Citigold account, become an Accredited Investor, and make a S$300,000 deposit within 3 months of account opening, maintaining these funds until gift fulfilment. Valid till 30 June 2025. T&Cs apply.
Plus, enjoy an additional S$200 Grab Voucher and welcome rewards up to S$500 cash from Citigold when you complete additional requirements. T&Cs apply.
Table of contents
If you’re planning to level up your banking experience, Citigold Priority Banking might just be your golden ticket. Thanks to the latest SingSaver x Citigold promotion, new customers who start a relationship with Citigold and meet the required investment amounts can walk away with incredible rewards — think an Apple iPhone 16 (128GB), the newest iPad Air 11” (128GB), or a cool S$1,000 in cash. Here’s everything you need to know about this promotion, how to qualify, and why it pays (literally) to get started today.
Take your wealth to the next step with high-interest, personalised wealth insights and all priority banking can offer
This Citigold promotion is exclusively available through SingSaver, meaning you won’t find these rewards by walking into a branch or applying elsewhere. If you’re a new-to-bank customer and open a Citigold Priority Banking account via SingSaver, you’ll be eligible to receive a choice of premium welcome gifts — including the Apple iPhone 16 128GB, Apple iPad Air 11” 128GB Wi-Fi, or S$1,000 in cash.
To qualify, you’ll need to maintain a minimum Assets Under Management (AUM) of at least S$250,000. AUM refers to the total value of your deposits and investments with Citibank. These rewards are not just limited-time perks — they’re part of an exclusive SingSaver deal that sweetens the already robust benefits of Citigold Priority Banking.
What sets this apart from standard Citibank offers is that it’s tailored for discerning investors who prefer an elite banking experience and premium perks. Apply online via SingSaver, meet the funding requirements, and once your eligibility is confirmed, the reward of your choice is yours.
on_provider_website
Min. Deposit | S$ 250,000.00 |
---|---|
Max. Annual Interest Rate | 7.51% |
Min. Annual Interest Rate | 0.01% |
REWARDS | |
|
Experience unparalleled banking with Citigold in Singapore. Enjoy high-interest savings, personalised accounts, and 24/7 access. Benefit from competitive rates, exclusive rewards, and FDIC security. Elevate your financial future today.
Citigold is ideal for affluent individuals seeking more than just everyday banking. With a minimum AUM of S$250,000, customers gain access to dedicated wealth advisors, curated investment opportunities, and global banking privileges. The account is especially attractive when bundled with limited-time SingSaver promotions, offering premium rewards like Apple gadgets or cash. If you’re ready to grow your wealth strategically and want bespoke financial guidance, Citigold offers excellent long-term value.
Getting started is easy. To enjoy this exclusive promotion, you’ll need to apply through SingSaver’s Citigold Priority Banking campaign page. Do not apply directly through Citibank’s site, as doing so will disqualify you from the SingSaver offer.
Here’s how to apply:
Visit the official SingSaver Citigold promotion page.
Complete the application form and submit your contact details.
A Citibank relationship manager will get in touch to assist you with account opening and AUM transfer.
Fund your account with at least S$250,000 in AUM within two months from the month of account opening.
Your reward (iPhone 16, iPad Air, or S$1,000 cash) will be fulfilled after your eligibility is verified.
Be sure to retain proof of your application submission via SingSaver (such as a confirmation email or screenshot) as this may be requested during the reward fulfilment process.
To qualify for this promotion, you’ll need to be recognised as a new-to-bank Citigold customer. This means you must meet the following conditions:
You are not a U.S. Person.
You are at least 18 years old in the month you enrol.
You have not held a primary banking account or had any Citibank banking relationship in the last 13 calendar months before the enrolment month.
You have had no AUM with Citibank in the last 13 calendar months.
You are opening a primary sole or joint banking account with a person who also does not have an existing Citibank banking relationship.
If you meet these criteria, you're considered "new-to-bank" and are eligible for the rewards upon meeting the AUM requirement.
Choosing to opt in as an Accredited Investor (AI) can unlock greater value from your Citigold relationship. Not only does this status open the door to sophisticated investment opportunities, but it also enhances your rewards. For this promotion, AIs are eligible to receive Apple’s latest iPhone 16, iPad Air M3 11”, or S$1,000 cash — premium rewards that reflect your financial status and ambitions.
In short, opting in as an AI helps you get more out of your wealth and your welcome gift.
An Accredited Investor is defined under the Monetary Authority of Singapore (MAS) guidelines as an individual:
“whose net personal assets exceed in value $2 million (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount;
(B) whose financial assets (net of any related liabilities) exceed in value $1 million (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount, where “financial asset” means —
(BA) a deposit as defined in section 4B of the Banking Act 1970;
(BB) an investment product as defined in section 2(1) of the Financial Advisers Act 2001; or
(BC) any other asset as may be prescribed by regulations made under section 341; or
(C) whose income in the preceding 12 months is not less than $300,000 (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount”
Opting in as an AI gives you access to a wider range of investment products that are not available to retail investors.
However, this also means fewer regulatory safeguards. You’ll be treated as a financially savvy client with the capacity to understand higher-risk products, able to access more tailored, higher-yielding opportunities but also trusted to manage your own money (and any fallout will be your responsibility).
Here’s how you can opt in for AI status through the Citigold promotion:
Apply for Citigold via SingSaver.
Speak with your Citigold relationship manager to express your interest in being classified as an AI.
Submit documentation (e.g., financial statements, IRAS tax filings, CPF statements) to show you meet eligibility.
Review and sign the Accredited Investor opt-in declaration form.
Upon verification, your AI status will be confirmed.
You can opt out at any time by informing your Relationship Manager.
Accredited Investors get access to exclusive investment products such as structured notes, private equity funds, and non-publicly distributed funds. These often come with higher return potential, albeit with increased risks — suitable for those with diversified portfolios and a high-risk appetite.
As an AI, your wealth journey is backed by a team of experts — including relationship managers, investment counsellors, and insurance specialists. They’ll provide tailored recommendations, helping you navigate complex financial landscapes with confidence.
To qualify, you must meet at least one of the following:
Personal income of at least S$300,000 annually
Net personal assets exceeding S$2 million, with no more than S$1 million in property value
Net financial assets of S$1 million or more
Besides the flagship rewards for qualifying AUM, Citigold often runs additional promotions — like exclusive gifts, enhanced cash rewards, and even referral perks for bringing friends on board.
Reward |
Value |
Eligibility Requirements |
Apple iPhone 16 128GB |
S$1,299 |
- Apply via SingSaver - Deposit S$300,000 within 3 months of account opening - Complete Investment Risk Profile and Fact Find Report - Opt-in as an Accredited Investor |
Apple iPad Air M3 11" Wi-Fi 128GB |
S$899 |
- Apply via SingSaver - Deposit S$300,000 within 3 months of account opening - Complete Investment Risk Profile and Fact Find Report - Opt-in as an Accredited Investor |
S$1,000 Cash via PayNow |
S$1,000 |
- Apply via SingSaver - Deposit S$300,000 within 3 months of account opening - Complete Investment Risk Profile and Fact Find Report - Opt-in as an Accredited Investor |
S$500 Cash via PayNow |
S$500 |
- Apply via SingSaver - Deposit S$300,000 within 3 months of account opening - Complete Investment Risk Profile and Fact Find Report |
Additional S$200 Grab Voucher |
S$200 |
- Deposit S$300,000 within the first 30 days from account opening and maintain funds until gift fulfilment |
Additional S$200 Grab Voucher |
S$200 |
- Invest S$30,000 within 3 months from account opening |
Additional S$300 Cash Reward |
S$300 |
- Opt-in as an Accredited Investor |
Additional S$100 Cash Reward |
S$100 |
- Complete Investment Risk Profile and Fact Find Report |
Additional S$250 Cash Reward per S$50,000 |
Varies |
- For every S$50,000 investment and/or insurance purchased from Citibank |
Additional S$100 Cash Reward |
S$100 |
- Hold a valid primary/main Citi Credit Card |
Additional S$500 Cash Reward |
S$500 |
- Apply for a Citi Home Loan |
All rewards are subject to terms and conditions. Promotion is valid until 1 June 2025 and is applicable to new Citibank bank account holders only. Existing applicants of Citi Credit Card or Personal Loan products are still eligible.
For more details or to apply, please visit the official SingSaver Citigold promotion page.
Keep in mind that all rewards are subject to verification and fulfilment terms. Meeting the minimum AUM and maintaining it for a set holding period is essential to unlock the full suite of perks.
Unlock exclusive privileges, personalised wealth strategies, and premium rewards with Citigold Priority Banking.
Citigold Priority Banking goes beyond traditional banking by offering a personalised, wealth-focused experience. As a Citigold client, you gain access to a dedicated Relationship Manager and a team of financial experts who help tailor investment, insurance, and mortgage solutions to your unique goals. On top of that, you'll enjoy global Citigold centre access, preferential rates, curated insights, and cash rewards when you grow your portfolio. Whether you're planning for retirement, investing for growth, or protecting your assets, Citigold provides the expertise and support to elevate your financial journey.
» MORE: Citigold review (2025): An abundance of wealth solutions for the well-heeled
Every Citigold customer is paired with a dedicated relationship manager who works alongside a team of financial experts. From investment planning to insurance optimisation, you get personalised advice shaped around your life goals.
This level of service ensures your financial strategy adapts to market changes and personal milestones — from buying your first property to planning for retirement.
Citigold membership offers global privileges. Whether you’re travelling, relocating, or managing overseas investments, you’ll have access to over 300 Citigold centres worldwide. These exclusive lounges offer private consultations and seamless international banking support.
It’s peace of mind, wherever in the world life takes you.
Citigold customers enjoy preferential rates on various financial products — including foreign exchange, loans, and investment-linked policies. You may also be eligible for bonus cash rewards when you grow your portfolio with Citibank’s approved products.
Whether you’re investing, insuring, or borrowing, Citigold ensures your money works harder for you.
Here’s an outline of how to earn bonus interest up to 7.51% p.a. when you join Citigold and meet specific criteria:
How to Earn Interest |
Interest Rate (p.a.) |
Details |
Base Interest |
0.01% |
Earned on the entire account balance without any additional actions. |
Spend and Earn |
1.5% |
Spend a minimum of S$250 per calendar month on eligible retail transactions using your Citibank Debit Mastercard®. |
Invest and Earn |
1.5% |
Make a new single lump sum investment of at least S$50,000 in a calendar month. Eligible investments include Unit Trusts, Structured Notes, and Bonds. Interest is paid for 12 consecutive months. |
Insure and Earn |
1.5% |
Purchase a new single premium insurance policy (or multiple policies) with total premiums of at least S$50,000 in a calendar month. Interest is paid for 12 consecutive months. |
Borrow and Earn |
1.5% |
Take up a new home loan of at least S$500,000. Interest is paid for 12 consecutive months. |
Save and Earn |
1.5% |
Increase your account's average daily balance from the previous month's average by at least S$3,000. Interest is paid on the incremental balance. |
Maximum Total Interest |
Up to 7.51% |
By fulfilling all the above criteria, you can earn a combined interest rate of up to 7.51% p.a. on your savings. |
Apply for Citigold Priority Banking via SingSaver today and unlock premium rewards along with a premium banking experience.
Get an Apple iPhone 16 128GB, an Apple iPad Air (M3) 11", or up to S$1,000 cash via PayNow when you successfully apply for a Citigold account, become an Accredited Investor, and make a S$300,000 deposit within 3 months of account opening, maintaining these funds until gift fulfilment. Valid till 30 June 2025. T&Cs apply.
Plus, enjoy an additional S$200 Grab Voucher and welcome rewards up to S$500 cash from Citigold when you complete additional requirements. T&Cs apply.
What is the Citigold welcome offer?
New customers who apply for a Citigold Priority Banking account through SingSaver and deposit a minimum of S$300,000 within three months of account opening can choose one of the following rewards: an Apple iPhone 16 128GB, an Apple iPad Air 11" Wi-Fi 128GB, or S$1,000 cash via PayNow. Additional rewards are available for customers who opt in as Accredited Investors, complete an Investment Risk Profile and Fact Find Report, or take up other Citibank products such as home loans or credit cards.
Who qualifies as a new-to-bank Citigold customer?
A new-to-bank customer is someone who does not have an existing current or savings account with Citibank Singapore. To qualify for the welcome rewards, the customer must open a Citigold account and meet the specified deposit and other promotional requirements.
What are the benefits of becoming an Accredited Investor with Citigold?
Opting in as an Accredited Investor provides access to a wider range of investment products and potentially higher rewards. For instance, Accredited Investors can receive additional cash rewards and have access to exclusive investment opportunities not available to non-accredited clients.
How can I apply for the Citigold Priority Banking promotion?
To take advantage of the exclusive SingSaver promotion, applicants should apply through the SingSaver Citigold promotion page. After submitting the application, a Citibank relationship manager will contact the applicant to assist with account opening and funding. It's important to ensure that all promotional requirements are met within the specified timeframes to qualify for the rewards.
Are there any additional rewards for Citigold customers?
Yes, beyond the initial welcome offer, Citigold customers can earn additional rewards by engaging in various activities such as investing in Citibank products, completing financial assessments, or taking up other banking products like home loans. These additional rewards are stackable, allowing customers to maximise their benefits.
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.