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  "url": "https://spill.sg/p/citibank-citigold-referral-cash-2026-07-01",
  "brand": "Citibank",
  "title": "Citigold referral: S$688 or S$2,888 cash per friend",
  "summary": "Existing Citigold and Citigold Private Client clients get S$688 cash for each friend who opens Citigold with S$500,000, or S$2,888 for a Citigold Private Client friend with S$1,500,000.",
  "deal_type": "cashback",
  "badge": "Cashback",
  "price_sgd": 688,
  "original_price_sgd": null,
  "start_date": "2026-07-01",
  "end_date": "2026-12-31",
  "time_note": null,
  "conditions": "Referrer must be an existing Citigold or Citigold Private Client; friend must be new to Citi (no primary account in 24 months) and use the referral code; up to 5 rewards per calendar quarter.",
  "details": [
    {
      "heading": "Cash per successful referral",
      "lines": [
        "Friend opens Citigold with AUM of at least S$500,000: S$688 cash",
        "Friend opens Citigold Private Client with AUM of at least S$1,500,000 and signs up as an Accredited Investor: S$2,888 cash",
        "Example from the T&Cs: one Citigold and one Citigold Private Client referral = S$3,576"
      ]
    },
    {
      "heading": "How it works",
      "lines": [
        "Generate a referral invitation code on the page and share it",
        "The friend must reach the AUM within 3 months of opening (Welcome Period) and keep it until the reward is paid",
        "The friend can also get the New-to-Bank welcome rewards (up to S$84,000)"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Promotion Period 1 Jul to 31 Dec 2026",
        "Maximum 5 referral rewards per calendar quarter",
        "Not for Citi staff, US persons, IPB clients referring onshore clients, or referrals already in a joint account with the referrer",
        "Friends who open through SingSaver, MoneySmart or other non-Citi channels do not count",
        "T&Cs: Citi Client Referral Program 2026 (PDF)"
      ]
    }
  ],
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  "pdf_url": "https://www.citibank.com.sg/pdf/citi-referral-programme-tnc.pdf",
  "promo_code": null,
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  "category": "finance",
  "status": "live",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2026-06-30T16:00:00.000Z",
  "source_url": "https://www.citibank.com.sg/wealth-management/referral-programme/",
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  "original_url": "https://www.citibank.com.sg/wealth-management/referral-programme/",
  "original_type": null,
  "original_text": null,
  "confidence": "high",
  "sponsored": false,
  "verified_by_brand": false,
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