WEALTH MANAGEMENT

There’s More to Wealth with Citigold

More than just banking—experience a wealth journey built around your ambitions, with exclusive privileges, global access, and personalised financial strategies.

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Eligibility Criteria

Citigold: A minimum combined account balance of USD 200,000 (or equivalent in other currencies) across investments, saving/checking accounts, deposits or insurance policy values must be reached within 90 days from account opening and maintained thereafter.

Citigold Private Client: A minimum combined account balance of USD 1,000,000 (or equivalent in other currencies) across investments, saving/checking accounts, deposits or insurance policy values must be reached within 90 days from account opening and maintained thereafter.

I agree to the Terms and Conditions listed below and confirm that I have viewed the Key Facts Statement available here. I hereby agree to be bound by the Citibank, N.A. General Terms and Conditions and Privacy Policy available on www.citibank.ae. Citibank, N.A. Terms and Conditions apply, are subject to change and are available upon request.

I confirm that I have reviewed a comparison of available relationship types available here along with applicable fees and charges available here.

I confirm that I read and understand English and that I do not require an Arabic translation of the terms and provisions related to this request.

I consent to receiving Citibank marketing communications via Citi Channels (e.g., SMS, e-mail, telephone call, mail). Service-related communications will be sent to customers regardless of the selection on marketing communication to ensure customers are informed on any critical changes to the product/ services.

What You Get with Citigold: Benefits & Requirements Guide

Key Features
Welcome Reward

A premium bank account with personalized advisory and insights.

A dedicated Wharton-trained Relationship manager with access to a professional Advisory Team.

An online investment account with access to global securities, bonds, ETFs, and Mutual Funds.

A complimentary premium Citi Credit Card with vast travel and lifestyle privileges.

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Host to other Citigold account benefits

9 currencies in 1 debit card

Switch between 9 currencies and save on currency conversion fees with Citibank Global Wallet.

Latest market updates

Gain sharper insights with analyses of market developments and trends to help you make informed decisions.

Preferential FX rates

Save with competitive exchange rates and the convenience of going cashless.

Personalized services

Enjoy best-in-class service with exclusive access to Citigold lounges and a dedicated Citigold helpline.

Seamless international transfers

Easily and instantly transfer funds between Citi accounts worldwide.

Exciting offers

Get access to travel rewards, dining discounts, and movie tickets with your complimentary Citi Premier credit card.

Earn cash rewards when you open, fund and invest with a new Citigold Private Client or Citigold account.

1

Open a new banking relationship with Citibank UAE branch (including an Oasis relationship) during the Campaign Period.

2

Fund it within 90 days of opening (“Funding Date”).

3

Maintain a Balance for 90 consecutive days from the Funding Date (the “Retention Period”).

4

Receive your account credit within 45 days after the Retention Period ends.

Reward	Qualifying Criteria	Min Funding Amount** (AED)	Cash Credit Amount (AED)
Funding Reward	Open a new banking relationship with Citibank UAE branch (including an Oasis relationship) during the Campaign Period Fund it within 90 days of opening (“Funding Date”) Maintain a Balance for 90 consecutive days from the Funding Date (the “Retention Period”)	1,000,000	5,500
		2,000,000	12,000
		4,000,000	25,000
		6,000,000	40,000
		8,000,000	55,000*
Existing Credit Card Customer Reward	To earn this additional reward, you must have an active Citibank UAE primary credit card at the time of opening your new banking relationship Meet the “Funding Reward” qualifying criteria	-	3,000*
Investment Reward	Make a minimum investment (not investments by way of insurances) of AED 550,000 before the end of the “retention period” and hold it for the remaining of the Retention Period.	550,000	5,500
		700,000	7,000
		1,000,000	10,000*
Notes: Campaign period is 1 April till 31 December 2026. *Maximum total reward of AED 68,000 (AED 55,000 funding + AED 3,000 cardholder + AED 10,000 investment). Funding may be in AED or the equivalent in other available currencies. Rewards will be credited directly to your account.
How to qualify for the Funding Reward Fund Your Account - Complete funding within 90 days of opening your account (“Funding Date”) as per the offer grid. Maintain Your Balance - Keep the required balance for 90 consecutive days from the Funding Date (“Retention Period”). Eligible Balance Includes - Deposits (current, savings, time deposits), investments, and cash value of insurance (excluding leverage). Important Notes Transfers from existing Citibank accounts do not qualify as new funding. Your account must remain in good standing. Rewards are credited within 45 days after the Retention Period. For joint account(s), rewards are credited to the primary account holder. Fluctuations - Your final cash credit will be based on the qualifying funding level you achieve and continuously maintain for 90 days. All funding increases that could lead to a higher reward must be deposited within 90 days of your account opening date. If your account balance drops below the minimum requirement for a specific reward tier at any point during its 90-day maintenance period, your eligibility for that reward may be adjusted to a lower tier or forfeited entirely. How to qualify for the existing credit card reward To be eligible for this reward, you must have an active and current Citibank UAE primary credit card at the time of opening your new banking relationship and meet the “Funding Reward” qualifying criteria. How to qualify for the Investment Reward You must first qualify for the Funding Reward. Invest a minimum of AED 550,000 before the end of the Retention Period. Maintain the investment for the remainder of the Retention Period. Investment rewards are capped at AED 10,000. US Persons are not eligible for Investment Rewards.

For Welcome Reward Terms and Conditions, please click here.

Dedicated lounges to welcome you

Enjoy a tasteful selection of music, art, and refreshments at our lounges exclusive to our Citigold clients. Take advantage of our private meeting rooms and library, meet with our Relationship Managers, speak to our product specialists, or carry out personal meetings with complimentary Wi-Fi.

Abu Dhabi

Al Wasl, Dubai

Jumeirah, Dubai

Disclaimer

Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www1.citibank.ae. All offers are made available on a best-effort basis 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). By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number.

This website does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.

Citibank N.A. UAE is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.

Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.

Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003. For additional disclaimers and disclosures related to the product and/or service mentioned in this communication that you need to be aware of, please visit here.

Our Awards & Accolades

Proud to be your award-winning bank of choice.

Best Bank for Advisory in the Middle East

Best Investment Bank in the Middle East

Best Investment Bank in UAE

Retail Banking Innovation Awards