New Citigold offer: Free iPad Air or Samsung Galaxy Tab A7 and up to S$7,076 welcome bonuses


Open a Citigold account via SingSaver and get a free Apple iPad Air or Samsung Galaxy Tab A7, plus further cash rewards from Citibank.

From now till 15 October 2021, new-to-bank customers who open a Citigold account through SingSaver will be eligible to receive an Apple iPad Air Wi-Fi 64GB (worth S$879) or Samsung Galaxy Tab A7 FE 5G (worth S$898)

Sign Up for CitiGold

In addition to this, they’ll also be able to earn additional cash rewards of up to S$7,076 from Citibank, including S$300 just for opening their account online and S$300 for holding a principal Citibank credit card. 

SingSaver Gift: Apple iPad Air or Samsung Galaxy Tab A7

New-to-bank customers who apply for a Citigold account through SingSaver by 15 October 2021 (with account opened by 15 November 2021) can choose one of the following gifts:

  • Apple iPad Air Wi-Fi 64GB (worth S$879)
  • Samsung Galaxy Tab A7 FE 5G (worth S$898)

They will be required to deposit and maintain a minimum of S$250,000 in fresh funds in a Citi Wealth First Account. 

⚠️ Who is considered new-to-bank?
“New-to-Bank” refers to a Citi Customer who fulfills the following criteria:

  • is not a U.S. Person;
  • is at least the age of 18 during the Enrolment Month;
  • does not have a primary Banking Account or primary relationship in each of the last thirteen (13) calendar months before the Enrolment Month;
  • does not have any AUM in each of the last thirteen (13) calendar months before the Enrolment Month; and
  • opens a primary sole Banking Account or a primary joint Banking Account with a person who does not have any Banking Account/ relationship with Citi

For the avoidance of doubt, holding a Citibank credit card or personal loan will not disqualify you from “new-to-bank” status

The S$250,000 in fresh funds must not originate from any existing account with Citibank, and funds must be maintained until the end of the calendar month, five months after the month the account was opened. For example, if the account is opened on 26 August 2021, the funds must be maintained until 31 January 2022. 

The T&Cs of this offer can be found here.

Application Steps

Here’s the steps to take note of. 

  1. Apply through any of the links in this article
  2. You will be directed to a SingSaver landing page. Enter your email address and click “confirm”
  3. Complete your application and take a screenshot of the Application Reference Number (for Citibank, it’s 12 alphanumeric characters)
  4. Fill in the SingSaver rewards form that will be sent to your email within 14 days of bank account application. It’s vital you fill in the form- no form, no reward. 

The gift will be fulfilled within four calendar months. If you have not received any correspondence by this time, contact for assistance. 

Citibank Gift: Up to S$7,076 welcome bonus

On top of the SingSaver offer, Citibank is running a promotion of its own for new Citigold customers, which is valid for accounts opened by 31 December 2021. 

New Citigold customers can earn further cash rewards from Citibank by completing certain actions as shown below: 

Action Reward
Deposit S$250,000 in fresh funds S$300
Additional reward for primary Citi Credit Card holders S$300
Purchase S$100,000 in investments by 30 Jun 2022 S$1,700
Purchase S$50,000 in life insurance by 30 Jun 2022 S$450
Interest in Citi Wealth First Account with balances maintained at S$100,000 (Spend, Save, Insure, Invest, Home Loan) S$2,616
Citigold 12-month Wealth Loyalty Reward S$960
Successfully open banking account via online account opening form S$300
Mortgage bonus S$200
Purchase S$25,000 investment or insurance within first 3 months S$250
Total S$7,076
Illustration is based on a customer with S$250,000 New Funds, deposits S$100,000 in a Citi Wealth First Account maintains the Citigold relationship and AUM for 12 months , is an existing / new primary Citi Credit Card holder, spends S$250 monthly on your Citibank Debit Mastercard, invest S$100,000 and insure S$50,000 respectively, save S$3,000 monthly, takes up a new home loan of at least S$500,000, and successfully opens his bank account via online opening form.

For a better understanding of how the investment and insurance bonuses are calculated, do refer to the T&Cs. 

All customers must complete a goal setting session with their Citigold relationship manager, including Total Wealth Advisor and Investment Risk Profile. Your relationship manager will be able to advise you on your current financial position, goals and needs to determine the suitable investment portfolio for you. 

However, you can pick and choose which of the above tasks you wish to complete. For instance, a new-to-bank customer who applies online (applying via SingSaver would qualify), deposits S$250,000 in fresh funds and holds any principal credit card would already receive an extra S$900 in cash.

As a reminder, Citigold customers also earn a relationship bonus of 5-30% on any credit card points earned through the Citi Prestige Card. I’ve explained how that works in this post, but to summarise, here’s the impact on how many miles per dollar you earn. 

  Regular 0-5 Years 6-10 Years >10 Years
Local Spend 1.3 mpd 1.36 mpd 1.38 mpd 1.42 mpd
Overseas Spend 2 mpd 2.06 mpd 2.08 mpd 2.12 mpd

Even a brand new Citigold customer would already be earning 1.36 mpd on all local currency spending with the Citi Prestige, one of the higher earning rates on the market. Don’t forget the wide variety of Citibank transfer partners, plus the opportunity to buy cheap miles via the ongoing Citi PayAll 2.5 mpd promotion.


Sign Up for CitiGold

If you’ve been thinking about opening a Citigold account, this is an opportunity to stack an additional free gift on top of Citibank’s regular offers. Don’t forget to apply by 15 October 2021 (your account opening date can be up till 15 November 2021) and fill out your rewards form as soon as you receive it via email.

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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So if I don’t currently hold a Citi credit card, then I should apply for one before enrolling for this campaign to get the $300 bonus? Or can I apply for a card after Citigold? Thanks



Eddy Lee

Any idea if there’s any penalty if the account is closed after the 3 months or if there’s a fall below fee after 3 months?


So could understand if i put in $250K… i could get both
A. Ipad Air
B. Get up to S$6,826* when you join Citigold


Could ask.. other than the
A. Ipad Air
B. Get up to S$6,826* when you join Citigold

Would the $600 referral be applicable/stack-able as well?

John Lim

This month is July and if I apply today, I won’t be able to get the complementary I-Pad ?

kindly advise and thanks ?


Do you know the meaning of “From now till 30 June 2021 ?


Yes must apply in August


Hi Aaron, it seems the Citigold promotion only runs from 16 aug through 31 aug. it has expired today! i had referred to the T&Cs link in your article above “SingSaver Rewards Citigold Campaign Terms and Conditions”.


The T&C says you need to maintain the 250k for 5 months excluding month of ac opening, so basically 6 months. Singsaver will give you the iPad 4 months after you satisfy this criteria. So a total of 10 months to get your iPad!


Has anyone gotten the free gift yet


Still waiting


Hi Aaron, the T&C states that account holder needs to maintain the $250k in bank account for 90 days account is open. For my case, the sum was in bank account since 30Sep. It’s more than 90 days now, and does it mean I can withdraw the sum now from the account and still be eligible for the iPad and can look forward to receiving the rewards notification from singsaver within the next 4 months?