# Citibank: Citigold / Citigold Private Client welcome rewards: Up to S$84,000

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: Cashback (Cashback)
- When: 1 Nov – 31 Mar
- Status on 2026-11-12: live
- Category: Cards & Banks
- Price: S$600
- 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.
- Promotion page: https://www.citibank.com.sg/wealth-management/citigold-wealth-journey
- Menu / poster (PDF): https://www.citibank.com.sg/global_docs/pdf/NTBwelcomepromo.pdf
- Where: Not stated

## Details

### Funding Reward by total new funds (cash)
- 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

### Wealth Bonus for investments and insurance
- 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

### How the page reaches S$7,200 and S$84,000
- 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

### Other perks listed on the page
- 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

### Good to know
- 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)

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/citibank-citigold-welcome-rewards-2026-11-01
- Add to calendar: https://spill.sg/p/citibank-citigold-welcome-rewards-2026-11-01/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=Citibank%3A+Citigold+%2F+Citigold+Private+Client+welcome+rewards%3A+Up+to+S%2484%2C000&dates=20261112%2F20270401&details=New-to-bank+clients+who+open+Citigold+or+Citigold+Private+Client+with+fresh+funds+get+a+cash+Funding+Reward+%28S%24600+to+S%2427%2C000%29+plus+a+Wealth+Bonus+for+investments+and+insurance+bought+within+3+months.+Open+1+Nov+2026+to+31+Mar+2027.%0AUntil+2027-03-31%0ANew+clients+with+no+Citi+primary+account+in+the+last+24+months%3B+Citigold+AUM+at+least+S%24350%2C000+or+Citigold+Private+Client+at+least+S%241%2C500%2C000+with+Accredited+Investor+sign-up%3B+keep+AUM+until+the+reward+is+paid.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-citigold-welcome-rewards-2026-11-01&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=Citibank%3A+Citigold+%2F+Citigold+Private+Client+welcome+rewards%3A+Up+to+S%2484%2C000&body=New-to-bank+clients+who+open+Citigold+or+Citigold+Private+Client+with+fresh+funds+get+a+cash+Funding+Reward+%28S%24600+to+S%2427%2C000%29+plus+a+Wealth+Bonus+for+investments+and+insurance+bought+within+3+months.+Open+1+Nov+2026+to+31+Mar+2027.%0AUntil+2027-03-31%0ANew+clients+with+no+Citi+primary+account+in+the+last+24+months%3B+Citigold+AUM+at+least+S%24350%2C000+or+Citigold+Private+Client+at+least+S%241%2C500%2C000+with+Accredited+Investor+sign-up%3B+keep+AUM+until+the+reward+is+paid.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-citigold-welcome-rewards-2026-11-01&location=&startdt=2026-11-12&enddt=2027-04-01&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/citibank-citigold-welcome-rewards-2026-11-01?save=1&remind=1

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