Become a Citigold priority banking member and earn up to 7.51% p.a. interest on your Citi Wealth First Account and up to S$16,855 cash rewards. Plus, get S$1,500 cash or an iPhone 15 Pro Max 256GB (worth S$1,999) when you apply via SingSaver.
Are you on track with your financial goals? It's a question worth asking as we move into the middle of 2023. With talks of rising interest rates, knowing what to do with your money is fast becoming an essential life skill.
If you have S$250,000 and are looking for ways to grow your cash, Citigold would be a wise option.
Apart from the preferential banking rates, you'll also get to enjoy the exclusive lifestyle and financial perks with this priority banking relationship.
New Citigold members can enjoy up to S$16,855 cash reward, including up to S$800 cash reward if you hold a valid Citibank credit card and apply for a home loan with Citibank Mortage.
To sweeten the deal, you can also get S$1,500 cash or an iPhone 15 Pro Max 256GB if you start a Citigold banking relationship via SingSaver. Read on to find out more.
SingSaver Exclusive Offer: Receive an Apple iPhone 15 Pro Max 256GB (worth S$1,999) or S$1,500 Cash when you apply for Citigold and deposit a minimum of S$250,000 within 3 months of account opening and maintain the funds for a total of 3 months. Valid till 5 November 2023. T&Cs apply.
Plus, get up to S$800 Cash Reward when you hold a valid primary Citibank credit card and apply for a Citibank Mortgage loan with a minimum loan size of S$800,000 within 3 months of account opening.
Also, receive an additional S$200 GrabGift voucher when you start a Citigold relationship, make a S$250,000 deposit and hold the funds until the point of reward fulfilment. Valid till 30 September 2023. T&Cs apply.
Table of contents
- SingSaver Citigold promotion
- How to apply
- Who's considered new Citigold members?
- Additional cash rewards for new Citigold members
- Citigold benefits
SingSaver Citigold promotion
From 25 September to 5 November 2023 (both dates inclusive), new Citigold members who open an account through SingSaver and deposit a minimum S$250,000 worth of assets under management (AUM) will stand to receive a choice of the following rewards:
-
S$1,500 cash via PayNow; or
-
An iPhone 15 Pro Max 256GB (worth S$1,999)
The AUM must be deposited within three months of account opening by the following dates:
Month of account opening |
Deposit minimum of S$250,000 AUM in fresh funds |
September 2023 |
By November 2023 |
October 2023 |
By 31 December 2023 |
November 2023 |
By 31 January 2023 |
How to apply for SingSaver x Citigold Priority Banking promo
-
Apply through this link, enter your email address and click submit
-
On the next page, click ‘apply via unique link’. You will be redirected to Citibank’s website
-
On Citibank’s website, click on any of the ‘apply now’ buttons and follow the instructions to fill in your application. Remember to save your Application Reference Number for reference
-
Fill in SingSaver’s Rewards Redemption Form, which will be sent to your registered email address. You must complete and submit the form within the first 14 days of application to be eligible for the reward
- Lastly, deposit S$250,000 of fresh funds into your Citi Wealth First account. You'll also need to maintain at least S$250,000 in your account until the point of reward fulfilment, which is within three months of account opening
If you're eligible for the reward, you’ll receive a reward confirmation email from SingSaver within three months and the redemption details of the reward. If you’ve not received any communication from SingSaver within four months, you can write to us at info@singsaver.com.sg.
The application must be submitted by 5 November 2023, and the bank account must be opened within three months of application. Other T&Cs apply.
Who's considered a new-to-bank Citigold Priority Banking customer?
You'll need to be a new Citi customer to be eligible for the rewards. This means you're someone who fulfils the following criteria:
-
Is not a U.S. Person;
-
Is at least the age of 18 during the Enrolment Month;
-
Does not have a primary banking account or primary relationship in each of the last thirteen (13) calendar months before the enrolment month;
-
Does not have any AUM in each of the 13 calendar months before the enrolment month; and
-
Opens a primary sole banking account or a primary joint banking account with a person who does not have any banking account/ relationship with Citi
Additional cash rewards for new Citigold customers
On top of SingSaver's promotion, you'll also stand to enjoy up to S$16,855 cash rewards when you join Citigold, including up to S$800 when you hold a primary Citi Credit Card and take up a new housing loan of at least S$800,000 with Citibank Mortgage within three months of account opening:
Requirements |
Reward amount |
Successfully establish a Citigold relationship with S$850,000 in fresh funds (excluding time deposits), and complete Investment Risk Profile and Fact Find Report |
S$1,600 |
Hold a valid Primary/main Citi Credit Card |
S$300 |
Of the S$850,000 in fresh funds, invest at least S$500,000 by June 2024 |
S$5,400 |
Take up an insurance of S$250,000 by June 2024 |
S$3,000 |
Take up a new home loan of at least S$800,000 with Citi by the end of the welcome period (three months after the enrolment date, including the enrolment month) |
S$500 |
Maintain at least S$100,000 in your Citi Wealth First Account, spend S$250 monthly on your Citibank Debit Mastercard and save S$3,000 monthly for 12 months from the time of establishing Citigold relationship |
S$6,055 |
Total rewards |
S$16,855 |
SingSaver Exclusive Offer:
For Citi PremierMiles Card: Receive an Apple iPad 9th 10.2" WiFi 64GB (worth S$503.65) or a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. Valid till 17 October 2023. T&Cs apply.
For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Dyson Supersonic (worth S$699) or a Dyson V8 Slim Fluffy (worth S$509) or a Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 17 October 2023. T&Cs apply.
Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.
You'll also receive S$200 Grab vouchers when you join Citigold by 30 September 2023. T&Cs apply.
To join Citigold, you'll need to deposit a minimum of S$250,000 in AUM. You'll be rewarded with a welcome offer when you deposit fresh funds, complete your Investment Risk Profile and Fact Find report with your relationship manager.
S$450 |
Fund in amount of ≥ S$250,000 |
S$700 |
Fund in amount of ≥ S$350,000 |
S$1,050 |
Fund in amount of ≥ S$500,000 |
S$1,600 |
Fund in amount of ≥ S$750,000 |
SingSaver Exclusive Offer: Receive S$50 cash upon starting a Citi Plus relationship and get another S$100 cash (total S$150) or a Sony WF-C700N (worth S$199) when you fund a min. deposit of S$20,000 within 2 months of account opening and maintain it for 4 months. Valid till 30 November 2023. T&Cs apply.
Receive your S$50 cash reward for starting a Citi Plus relationship in just two weeks! In addition, enjoy up to S$656 cash and up to S$699 worth of exciting gifts when you apply for a Citi Cashback+ Mastercard. T&Cs apply.
Citigold benefits
As a Citigold member, you’ll also get to enjoy exclusive perks which are reserved for their priority banking members:
1. Your own dedicated wealth management team
You have your own dedicated Relationship Manager and a team of experts, which includes an Insurance Specialist, Mortgage Specialist, and Treasury Specialist. These experts will work with you to help you achieve your wealth management goals.
For instance, your Relationship Manager can give you a holistic view of your financial portfolio, highlighting any potential opportunities or pitfalls of your investment portfolio, and help you achieve your wealth goals.
You can also invest in investment products that are only exclusive to priority banking customers, including high-quality fixed-income products such as bonds and structured notes.
Moreover, you can also utilise Citigold’s wealth advisory services and tools like the Portfolio Risk Evaluator tool, which allows your Relationship Manager to ‘stress test’ your investment portfolio for diversification opportunities.
2. Access to Citigold centres worldwide
You can carry your Citigold status and access priority banking privileges in over 340 Citigold centres worldwide, allowing you to perform your banking activities with greater convenience.
You can also shop and spend with your Citigold Debit Mastercard with zero foreign transaction fees and lock in favourable exchange rates on the Citi Mobile App.
You’ll also enjoy fee-free perks when you make cash withdrawals from any Citibank ATM worldwide and when you make global money transfers between your Citibank accounts.
Lastly, you can make emergency cash withdrawals of up to US$10,000 overseas.
3. Enjoy preferential rates and earn cash rewards on your investments, mortgages, and insurance
You’ll enjoy preferential rates as a Citigold member, whether it's for home loans, savings accounts, or insurance.
For instance, the Citi Wealth First account lets you earn up to 7.51% interest p.a. on the first S$100,000:
How to earn interest |
Interest rate (p.a.) |
Details |
Frequency |
Base interest |
0.01% |
NA |
Monthly fulfilment of criteria |
Spend (debit card spend) |
1.50% |
Spend a minimum of S$250 (or its equivalent in foreign currency) on eligible retail transactions per calendar month on your Citibank Debit Mastercard |
Monthly fulfilment of criteria |
Save |
1.50% |
Increase your account's average daily balance from previous month's average daily balance by at least S$3,000. |
Monthly fulfilment of criteria |
Invest |
1.50% |
Buy new single lump sum investment (or combination of single lump sum investments) of at least S$50,000 in a calendar month. |
12 months of bonus interest once criteria fulfilled |
Insure |
1.50% |
Buy a new single premium insurance policy (or multiple single premium policies) with total premiums of at least S$50,000 in a calendar month. |
12 months of bonus interest once criteria fulfilled |
Borrow |
1.50% |
Take up a new home loan of at least S$500,000. |
12 months of bonus interest once criteria fulfilled |
You'll also enjoy preferential time SGD deposit rates for 3-month tenures. T&Cs apply.
Promotional rate | New funds deposit amount |
Up to 3.30% p.a. | S$10,000 to <S$250,000 |
Up to 3.40% p.a. | S$250,000 to S$3 million |
SingSaver Exclusive Offer: Receive an Apple iPhone 15 Pro Max 256GB (worth S$1,999) or S$1,500 Cash when you apply for Citigold and deposit a minimum of S$250,000 within 3 months of account opening and maintain the funds for a total of 3 months. Valid till 5 November 2023. T&Cs apply.
Plus, get up to S$800 Cash Reward when you hold a valid primary Citibank credit card and apply for a Citibank Mortgage loan with a minimum loan size of S$800,000 within 3 months of account opening.
Also, receive an additional S$200 GrabGift voucher when you start a Citigold relationship, make a S$250,000 deposit and hold the funds until the point of reward fulfilment. Valid till 30 September 2023. T&Cs apply.
Read these next:
Citigold Review (2023): An Abundance Of Wealth Solutions For The Well-Heeled
Priority Banking In Singapore: How Does It Help To Grow Your Wealth?
A Full Guide To Priority Banking In Singapore (2023)
Priority Banking 2023 – Which Bank Offers the Best Welcome Rewards?
Priority Banking vs Private Banking: Which One Suits You Better?
Similar articles
Normal Banking Vs Priority Banking: Which Should I Choose?
Priority Banking 2023 – Which Bank Offers the Best Welcome Rewards?
Li Chun 2023: Most Auspicious Timings to Deposit Money
Priority Banking Comparison: Citigold vs HSBC Premier
Citi Wealth First Account: High Rates & Best for Citigold Clients
Have Enough Money To Jet Off to Space? 5 Signs You’re Ready For Priority Banking
Privilege Banking: What’s In It For You and Your Money
Citigold Review (2023): An Abundance Of Wealth Solutions For The Well-Heeled