# Citibank: Citigold referral: S$688 or S$2,888 cash per friend

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: Cashback (Cashback)
- When: 1 Jul – 31 Dec
- Status on 2026-11-12: live
- Category: Cards & Banks
- Price: S$688
- 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.
- Promotion page: https://www.citibank.com.sg/wealth-management/referral-programme/
- Menu / poster (PDF): https://www.citibank.com.sg/pdf/citi-referral-programme-tnc.pdf
- Where: Not stated

## Details

### Cash per successful referral
- 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

### How it works
- 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)

### Good to know
- 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)

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/citibank-citigold-referral-cash-2026-07-01
- Add to calendar: https://spill.sg/p/citibank-citigold-referral-cash-2026-07-01/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=Citibank%3A+Citigold+referral%3A+S%24688+or+S%242%2C888+cash+per+friend&dates=20261112%2F20270101&details=Existing+Citigold+and+Citigold+Private+Client+clients+get+S%24688+cash+for+each+friend+who+opens+Citigold+with+S%24500%2C000%2C+or+S%242%2C888+for+a+Citigold+Private+Client+friend+with+S%241%2C500%2C000.%0AUntil+2026-12-31%0AReferrer+must+be+an+existing+Citigold+or+Citigold+Private+Client%3B+friend+must+be+new+to+Citi+%28no+primary+account+in+24+months%29+and+use+the+referral+code%3B+up+to+5+rewards+per+calendar+quarter.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-citigold-referral-cash-2026-07-01&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=Citibank%3A+Citigold+referral%3A+S%24688+or+S%242%2C888+cash+per+friend&body=Existing+Citigold+and+Citigold+Private+Client+clients+get+S%24688+cash+for+each+friend+who+opens+Citigold+with+S%24500%2C000%2C+or+S%242%2C888+for+a+Citigold+Private+Client+friend+with+S%241%2C500%2C000.%0AUntil+2026-12-31%0AReferrer+must+be+an+existing+Citigold+or+Citigold+Private+Client%3B+friend+must+be+new+to+Citi+%28no+primary+account+in+24+months%29+and+use+the+referral+code%3B+up+to+5+rewards+per+calendar+quarter.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-citigold-referral-cash-2026-07-01&location=&startdt=2026-11-12&enddt=2027-01-01&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/citibank-citigold-referral-cash-2026-07-01?save=1&remind=1

_From Spill. Source: citibank.com.sg. Terms can change._