PRIVILEGES AND OFFERS

Citigold Private Client Benefits & Promotions

YOUR WELCOME GIFT

Join Citigold Private Client and receive up to AED 16,000 as account credit.

STEP 1

Open a Citigold account between September 1^st 2023 and December 31^st 2023.

STEP 2

Fund your account with a minimum of $1,000,000 (or as per the below reward table) within 90 days of account opening

STEP 3

Maintain the minimum balance requirement for 90 days post-funding to be eligible for the Funding Reward. For Bonus Reward, meet investment or insurance criteria to be eligible.

STEP 4

You will receive your reward and optional reward where applicable within 30 working days of becoming eligible for your reward

Apply now

Reward	Qualifying Criteria	Reward Amount for Citigold	Reward Amount for Citigold Private client
Funding Reward	From 1 September 2023 to 31 December 2023, open and fund a Citigold account with a minimum of USD 200,000 within 90 days from account opening date & maintain Total Relationship Balance at or above USD 200,0001 for 90 days at all times	AED 4,000	N/A
	From 1 September 2023 to 31 December 2023, open and fund a Citigold Private Client account with a minimum of USD 1,000,000 within 90 days from account opening date & maintain Total Relationship Balance1 at or above USD 1,000,000 for 90 days at all times	N/A	AED 10,000
	To earn this additional reward, the customer must have an active Citibank UAE primary credit card at the time of opening a Citigold or Citigold Private Client account	AED 3,000
Bonus Reward for Investment and/or Insurance	To earn this bonus reward, the customer must have qualified for the Funding Reward and in addition, purchased a total of at least USD 10,000 worth of investments or life insurance products2 by the end of the Funding Period3	AED 2,500
Profiling & Mutual Fund Account Opening Reward	Open a Citigold or Citigold Private Client account Open a Mutual Fund account Complete investor profiling	AED 500
Enjoy up to AED 16,000 in welcome rewards
Payout Dates: Funding and Bonus Reward Pay-Out Date - within 30 working days after meeting the reward qualification criteria Profiling & Mutual Fund Account Opening Reward Account Opening Pay-out Date - On the 15th of the subsequent month in which investment account was opened
Total Relationship Balance is the sum of balance in deposits and investments (client’s equity only, leverage component not included) or insurance policy values. Eligible investment products: Securities that Citibank UAE offers on local & offshore bookings within the bond, SN, equity and mutual fund, including RSPs. Customer can buy any one insurance product or multiple insurance products with aggregate annualized premium being >=USD 10,000 in order to qualify. However, if customer buys USD 5,000 of Investments and USD 5,000 of insurance, he/she will not qualify. Funding Period is the 90 days after the customers has funded above the minimum threshold where he/she must maintain the balance above the minimum at all times. Account must be funded with new money. New money means a deposit of funds from outside Citibank. Any transfer of funds between any Citibank account(s) (be it GWM UAE, IPB Singapore) would not be considered as new funds.

Offer Terms & Conditions

Terms related to which customers are eligible for this offer:

1. Customers that have closed any Citibank account where they were a single or joint account holder within 12 months immediately preceding the date of opening the new Citigold/Citigold Private Client Account are not eligible for the reward
2. For joint accounts, only one reward will be given to the Primary Account Holder
3. This offer is applicable only for UAE residents
4. Offer is NOT applicable for US persons
5. US Persons are not eligible for Bonus Reward or Profiling and Investment Account opening Reward. They are only eligible for Funding Reward.
6. Offer is NOT applicable for Citibank staff (Including Non-Employees)

Terms related to what eligible customers must do to qualify for this offer:
7. The Campaign is valid for all new customers who open Citigold (CG) /Citigold Private Client (CPC) relationship bank accounts from 1 September 2023 – 31 December 2023.
8. Initial Funding: Once a CG account is opened, the customer must have Total Relationship Balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship within 90 days of opening the bank account. Likewise, the customer must have Total Relationship Balance of USD 1,000,000 (or equivalent in other currencies) or more under CPC relationship, within 90 days of opening the bank account. Total Relationship Balance is the sum of balance in deposits, investments (clients equity only, leverage component not included) or insurance policy values.
9. In order for a customer to qualify for CG Funding Reward, once initial funding has taken place, customer must maintain their relationship balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship for a period for 90 consecutive days at all times. Likewise, for a customer to qualify for CPC Funding Reward, once initial funding has taken place, customer must maintain their relationship balance of USD 1,000,000 (or equivalent in other currencies) or more in their CPC relationship for a period of 90 consecutive days at all times. The 90 consecutive days in which customer maintains required Total Relationship Balance is defined as Funding Period. For the avoidance of doubt, the Funding Period has to start no later than 90 days from account opening date. For the purpose of calculating reward, the lowest daily balance maintained for the 90 days will be taken
10. Funds transferred from Citibank UAE accounts will NOT be counted towards TRB calculation for offer fulfilment. Any funds that a customer received from another Citibank UAE account will be deducted from the TRB calculation for Funding Offer reward. For example, if a customer opened an account on 1 September 2023, funded the account on 10 September, 2023 and maintained a TRB of $250,000 until 10 December 2023, BUT $150,000 of the $250,000 came from a transfer from another Citibank UAE account, the customer’s TRB would be calculated to be only $100,000 and the customer would NOT qualify for the offer.
11. To earn the Bonus Reward, the customer must qualify for Funding Reward as mentioned in above clauses, and additionally have purchased at least $10,000 worth of investment products or life insurance products by the end of the Funding Period.
12. The account should be in good standing at the time of reward credit
13. To be eligible for the additional AED 3,000 funding award, customers must have an active Citibank UAE credit card at the time of their Citigold (CG) or Citigold Private Client (CPC) account opening during the campaign period.
14. Customer qualifying under this offer cannot concurrently qualify under any other offer related to CG/CPC account relationship.

Other Terms related to this offer:
15. The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
16. Citibank reserves the right to change / modify the campaign anytime
17. Citibank Terms and Conditions apply which can be read at https://www.citibank.ae/TnC . They are subject to change and are available upon request
18. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. UAE
19. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer
20. By inquiring about our services, offers or products, the customer will be authorizing our representatives to approach on contact details including the telephone/mobile number
21. If the required balance is not maintained (For Citigold USD 200,000 and/or Citigold Private Client USD 1,000,000) for 4 months, the account may be closed or downgraded by Citibank in compliance with the applicable terms and conditions
22. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals
23. The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms
Profiling and MF account opening reward Terms & Conditions

1. The offer is valid for all new customers who open Citigold (CG) /Citigold Private Client (CPC) relationship bank accounts during the period from January 1^st 2023 to December 31^st 2023. (both dates included) (“Offer Period”).
2. Customers are eligible to receive AED 500 cashback on their retail account if they open a new Mutual Fund Account or Securities Brokerage Account with Citibank N.A. UAE and complete their investor profile during the Offer Period and have Knowledge and Experience in Mutual Funds category which is indicated and confirmed by them to Citibank N.A. UAE as part of the investor profile.
3. The offer will be at individual Customer Identification Number. If the customer opens more than one Mutual Fund Account with Citibank N.A. UAE under single or joint relationships, this offer is applicable only once per customer on the last opened Mutual Fund Account during the Offer Period
4. The cashback will be credited to the customer’s Citibank bank account on 15th of the subsequent month in which mutual fund account or Securities Brokerage Account was opened
5. Systematic Investment Plan (SIP) transactions are excluded from this offer.
6. Customers need to have an active Mutual Fund Account or Securities Brokerage Account with Citibank UAE, a valid investor profile, Knowledge and Experience in Mutual Funds category which is indicated and confirmed by them to Citibank at the time of us crediting the cash back to customer’s Citibank bank account
7. In addition to the above, General Terms & Conditions available on www.citibank.ae that governs the Mutual Fund Account, the Securities Brokerage Accounts and the Investment Services apply to this offer.
8. Customers are expected to have read and understood the above terms and conditions and the General Banking Terms & Conditions document available on www.citibank.ae at the time of signing the account opening documents
9. These terms and conditions are subject to any applicable laws and regulations, including any regulations governing the Mutual Fund Account or the Securities Brokerage Account.
10. The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms
11. US Persons are not eligible for Bonus Reward or Profiling and Investment Account opening Reward.

YOUR REFERRAL GIFT

Invite your friends to join the Citigold Private Client Circle and get rewarded!

Invite your friend to start a Citigold Private Client relationship with us, and get rewarded for every successful referral. Please ensure that your referrals are not existing Citigold Private Client account holders.

Get in touch now >

Reward Type	Relationship	Qualifying Criteria	Referred Reward Amount	Referrer Reward Amount
Funding Reward	Citigold	Open and fund a Citigold account with a minimum of USD 200,000 within 90 days from account opening date & maintain Total Relationship Balance at or above minimum for 90 days at all times	Cashback of AED 4,000	Cashback of AED 4,000
	Citigold Private Client	Open and fund a Citigold Private Client account with a minimum of USD 1,000,000 within 90 days from account opening date & maintain Total Relationship Balance at or above minimum for 90 days at all times	Cashback of AED 10,000	Cashback of AED 6,000
	Citigold & Citigold Private Client with an existing Citibank UAE credit card	Have an active Citibank UAE primary credit card at the time of opening a Citigold or Citigold Private Client account	Cashback of AED 3,000	N/A
Bonus Reward	Citigold & Citigold Private Client	To earn this additional reward, the customer must have qualified for the Funding Reward and additionally have purchased a total of at least USD 10,000 worth of investments or life insurance products² by the end of the Funding Period³	Cashback of AED 2,500
Profiling & Mutual Fund Account Opening Reward	Citigold & Citigold Private Client	1. Open a Citigold or Citigold Private Client account 2. Open a Mutual Fund account 3. Complete investor profiling	Cashback of AED 500

1- Total Relationship Balance is the sum of balance in deposits, investments (client’s equity only, leverage component not included) or insurance policy values.
2- Eligible investment products: Securities that Citibank UAE offers on local & offshore bookings within the bond, SN, equity and mutual fund, including RSPs. Customer can buy any one insurance product or multiple insurance products with aggregate annualized premium being >=$10M in order to qualify. However, if customer buys $5,000 of Investments and $5,000 of insurance, he/she will not qualify.
3- Funding Period is the 90 days after the customers has funded above the minimum threshold where he/she must maintain the balance above the minimum at all times. Account must be funded with new money. New money means a deposit of funds from outside Citibank. Any transfer of funds between any Citibank account(s) (be it GWM UAE, IPB Singapore) would not be considered as new funds.

Referral Program T&C's

Terms related to which customers are eligible for this offer:

1. The Member Get Member (MGM) offer is open to Citibank clients who refer new clients to Citibank UAE for the purpose of opening a new Citigold or Citigold Private Client account through MGM referral forms
2. Referred customers or "Referees" that have closed any Citibank account where they were a single or joint account holder within 12 months immediately preceding the date of opening the new Citigold/Citigold Private Account are not eligible for the reward
3. Referrals of immediate family members (including spouse, sibling, parent, son/daughter) will not be accepted in this offer
4. For joint accounts, only one reward will be given to the Primary Account Holder
5. This offer is applicable only for UAE residents
6. Offer is NOT applicable for US persons
7. Offer is NOT applicable for Citibank staff (Including Non-Employees)
8.The Referrer, or person who refers someone, is only eligible for referrer pay-out amount as stated in the offer grid on the Sales Authorization Form and/or Citibank’s website

Terms related to what eligible customers must do to qualify for this offer:
9. Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between 1 September 2023 to 31 December 2023.
10. Initial Funding: Once a CG account is opened, the referred customer must have Total Relationship Balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship within 90 days of opening the bank account. Likewise, the referred customer must have Total Relationship Balance of USD 1,000,000 (or equivalent in other currencies) or more under CPC relationship, within 90 days of opening the bank account. Total Relationship Balance is the sum of balance in deposits, investments (clients equity only, leverage component not included) or insurance policy values
11. To be eligible for the extra AED 3,000 funding award, customers must have an active Citibank UAE credit card at the time of their Citigold (CG) or Citigold Private Client (CPC) account opening during the campaign period.
12. In order for the referred customer (one who is referred to Citi) and referrer customer (one who refers) to qualify for CG Funding Reward, once initial funding has taken place, the referred customer must maintain their relationship balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship for a period for 90 consecutive days at all times. Likewise, for the referred customer (one who is referred to Citi) and referrer customer (one who refers) to qualify for CPC Funding Reward, once initial funding has taken place, the referred customer must maintain their relationship balance of USD 1,000,000 (or equivalent in other currencies) or more in their CPC relationship for a period of 90 consecutive days at all times. The 90 consecutive days in which referred customer maintains required Total Relationship Balance is defined as Funding Period. For the avoidance of doubt, the funding period has to start no later than 90 days from account opening date. For the purpose of calculating reward, the lowest daily balance maintained for the 90 days will be taken.
13. Funds transferred from Citibank UAE accounts will NOT be counted towards TRB calculation for offer fulfilment. Any funds that a customer received from another Citibank UAE account will be deducted from the TRB calculation for Funding Offer reward. For example, if a customer opened an account on January 1st, 2023, funded the account on January 10th, 2023 and maintained a TRB of $250,000 until April 10th, 2023, BUT $150,000 of the $250,000 came from a transfer from another Citibank UAE account, the customer’s TRB would be calculated to be only $100,000 and the customer would NOT qualify for the offer.
14. The referred customer can earn a Bonus Reward. To earn the Bonus Reward, the customer must qualify for Funding Reward as mentioned in above clauses, and additionally hold have purchased at least $10,000 worth of investment products or a life insurance product by the end of the Funding Period.
15. The account should be in good standing at the time of reward credit
16. The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
17. The account should be in good standing at the time of reward credit
18. Customer qualifying under this offer cannot concurrently qualify under any other offer related to CG/CPC account relationship.

Other Terms related to this offer:

19. All accounts will be opened at the sole discretion of Citibank, N.A UAE and only upon receipt of complete documentation required
20. Citibank reserves the right to change / modify the campaign anytime
21. Citibank Terms and Conditions apply which can be read at www.citibank.ae/TnC. They are subject to change and are available upon request
22. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. UAE and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies)
23. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer
24. By inquiring about our services, offers or products, the customer will be authorizing our representatives to approach on contact details including the telephone/mobile number
25. If the required balance is not maintained (For Citigold USD 200,000 and/or Citigold Private Client USD 1,000,000) for 4 months, the account may be closed or downgraded by Citibank in compliance with the applicable terms and conditions
26. The products/services mentioned above are not offered to individuals' resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals
27. Customer qualifying under this offer cannot concurrently qualify under any other account acquisition offer related to CG/CPC account relationship
28. To inform any Referrer whether or not his/her referral is successful is sole discretion of Citibank.
29. If a Referee is referred by more than one Referrer, the relevant Referral Reward will be given to the Referrer whose referral is received by Citibank first as determined by Citibank in its sole and absolute discretion
30. It is the Referrer’s responsibility to obtain the consent of each Referee to give such Referee’s personal data to Citibank for the purpose of marketing Citibank products and services to such Referee via telephone. The Referrer acknowledges that Citibank will inform such Referee that it has collected or will collect such Referee’s personal data from the Referrer. By submitting details, the Referrer confirms that they have obtained the consent of the Referee to allow Citibank’s representatives to contact the Referee via the telephone or other electronic means to market its services, offers or product and shall indemnify Citibank against any claims and costs arising thereof.
31. The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms
Profiling and MF account opening reward Terms & Conditions

Offer Terms and Conditions (for Profiling & Investment Bonus Reward):

The offer is valid for all new customers who open Citigold (CG) /Citigold Private Client (CPC) relationship bank accounts during the period from 1 September 2023 to 31 December 2023. (both dates included) ("Offer Period").
2. Customers are eligible to receive AED 500 cashback on their retail account if they open a new Mutual Fund Account or Securities Brokerage Account with Citibank N.A. UAE and complete their investor profile during the Offer Period and have Knowledge and Experience in Mutual Funds category which is indicated and confirmed by them to Citibank N.A. UAE as part of the investor profile.
3. The offer will be at individual Customer Identification Number. If the customer opens more than one Mutual Fund Account with Citibank N.A. UAE under single or joint relationships, this offer is applicable only once per customer on the last opened Mutual Fund Account during the Offer Period
4. The cashback will be credited to the customer’s Citibank bank account on 15th of the subsequent month in which mutual fund account or Securities Brokerage Account was opened
5. Systematic Investment Plan (SIP) transactions are excluded from this offer.
6. Customers need to have an active Mutual Fund Account or Securities Brokerage Account with Citibank UAE, a valid investor profile, Knowledge and Experience in Mutual Funds category which is indicated and confirmed by them to Citibank at the time of us crediting the cash back to customer’s Citibank bank account
7. In addition to the above, General Terms & Conditions available on www.citibank.ae that governs the Mutual Fund Account, the Securities Brokerage Accounts and the Investment Services apply to this offer.
8. Customers are expected to have read and understood the above terms and conditions and the General Banking Terms & Conditions document available on www.citibank.ae at the time of signing the account opening documents
9. These terms and conditions are subject to any applicable laws and regulations, including any regulations governing the Mutual Fund Account or the Securities Brokerage Account.
10. The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms
11. US Persons are not eligible for Bonus Reward or Profiling and Investment Account opening Reward. They are only eligible for Funding Reward.