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  "url": "https://spill.sg/p/citibank-citigold-welcome-rewards-2026-11-01",
  "brand": "Citibank",
  "title": "Citigold / Citigold Private Client welcome rewards: Up to S$84,000",
  "summary": "New-to-bank clients who open Citigold or Citigold Private Client with fresh funds get a cash Funding Reward (S$600 to S$27,000) plus a Wealth Bonus for investments and insurance bought within 3 months. Open 1 Nov 2026 to 31 Mar 2027.",
  "deal_type": "cashback",
  "badge": "Cashback",
  "price_sgd": 600,
  "original_price_sgd": null,
  "start_date": "2026-11-01",
  "end_date": "2027-03-31",
  "time_note": null,
  "conditions": "New clients with no Citi primary account in the last 24 months; Citigold AUM at least S$350,000 or Citigold Private Client at least S$1,500,000 with Accredited Investor sign-up; keep AUM until the reward is paid.",
  "details": [
    {
      "heading": "Funding Reward by total new funds (cash)",
      "lines": [
        "Citigold, not an Accredited Investor (AI): S$600 for S$350,000 and above",
        "AI with Citigold or Citigold Private Client: S$350,000 = S$1,200; S$1,500,000 = S$5,000; S$3,000,000 = S$11,000; S$5,000,000 = S$19,000; S$7,000,000 = S$27,000",
        "Funding is the net increase in assets under management (AUM) within the Welcome Period; moves between Citi accounts or family accounts do not count"
      ]
    },
    {
      "heading": "Wealth Bonus for investments and insurance",
      "lines": [
        "S$500 per S$100,000 of new investments and/or insurance for the S$350,000 tier",
        "S$1,500 per S$100,000 for the higher tiers (Citigold Private Client examples on the T&Cs)",
        "Wealth Bonus capped at S$50,000 per client; investments are Citi funds, bonds or structured notes with at least 2% sales charge, insurance is AIA plans sold by Citi",
        "Example in the T&Cs: Citigold client funds S$500,000 and invests S$200,000 = S$1,000 Wealth Bonus"
      ]
    },
    {
      "heading": "How the page reaches S$7,200 and S$84,000",
      "lines": [
        "Citigold S$7,200: S$800,000 fresh funds, AI sign-up, invest/insure S$400,000, place S$400,000 in a 6-month time deposit",
        "Citigold Private Client S$84,000: S$5,000,000 fresh funds, AI sign-up, invest/insure S$3,500,000, place S$1,500,000 in a 6-month time deposit",
        "These totals include the time deposit interest: 2.00% p.a. 6-month or 1.55% p.a. 3-month SGD; 4.50% p.a. 6-month or 4.00% p.a. 3-month USD"
      ]
    },
    {
      "heading": "Other perks listed on the page",
      "lines": [
        "6 months of commission-free online buy trades for US and Hong Kong markets with a new brokerage account",
        "Annual fee waiver on one core and one co-branded Citi credit card (not Citi ULTIMA or Prestige) while Citigold is kept",
        "Citi Wealth First Account: up to 7.51% p.a. interest with salary, spend, invest, insure, borrow and save bonuses"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Promotion Period 1 Nov 2026 to 31 Mar 2027; Welcome Period is the account-opening month plus 2 more months",
        "Reward paid in one sum between the 7th and end of the 8th month after the account-opening month, into the primary Citi SGD account",
        "Clients who open through SingSaver, MoneySmart or other non-Citi channels get no Funding Reward",
        "Also offered to International Personal Bank (IPB) clients; their USD balances count at USD1 = SGD1.35",
        "Monthly fee if the Total Relationship Balance falls below the requirement; fee for closing the account within 6 months",
        "T&Cs: Citi New-to-Bank Welcome Program Terms and Conditions (PDF)"
      ]
    }
  ],
  "promo_url": "https://www.citibank.com.sg/wealth-management/citigold-wealth-journey",
  "booking_url": "https://www.citibank.com.sg/wealth-management/citigold-wealth-journey",
  "pdf_url": "https://www.citibank.com.sg/global_docs/pdf/NTBwelcomepromo.pdf",
  "promo_code": null,
  "coupons": [],
  "eligibility": [],
  "category": "finance",
  "status": "live",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2026-10-31T16:00:00.000Z",
  "source_url": "https://www.citibank.com.sg/wealth-management/citigold-wealth-journey",
  "image_url": "https://spill.sg/deal-img/citibank-citigold-welcome-rewards-2026-11-01.webp?v=62b0c824ac",
  "original_url": "https://www.citibank.com.sg/wealth-management/citigold-wealth-journey",
  "original_type": "website",
  "original_text": "Begin your Citigold Wealth Journey and unlock welcome rewards, bonus interest and global access with Citibank Singapore. Join Citigold now.",
  "confidence": "high",
  "sponsored": false,
  "verified_by_brand": false,
  "updated_at": "2026-11-10T23:00:00+08:00",
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