Citigold Circle

Our exclusive referral program

Now with Citigold Circle, those close to you can benefit from the same Citigold experience you've had. And we've created a special set of rewards to help them get started.

If you are not a Citigold customer, you can still refer your friends and will still enjoy the benefits up on fulfilling the program eligibility criteria.

REWARDS FOR YOUR FAMILY AND FRIENDS

A warm welcome to Citigold for your loved ones

Up to
AED 5,750
cash credit

Whatever wealth means to those close to you, we'll be there to help them achieve it on their terms.

REWARDS FOR YOU

A token of our appreciation

Up to
AED 4,500
cash credit

Once your friend's account is funded, depending on the funding amount, you can get cash credit worth up to AED 4,500. Please ensure your friend is not already a Citibank account holder.

FAQs

How many friends can I refer?

You can refer as many friends as you like! For every successful referral, depending on the amount of funding, you can get cash credit worth up to AED 4,500.

How can I refer?

Referring is easy! Get started with our step-by-step instructions below.

How long will I receive my reward in?

Both the referrer and referee will receive the reward upon fulfilling the funding criteria of 3 months minimum balance. The reward will be given within the next 30 working days.

What are the terms and conditions?

Please click here.

Funding Amount	Referrer Gift	Referee Gift
To start a Citigold relationship with US$ 200,000	AED 2,500 Cash Credit	AED 2,500 Cash Credit
To start a Citigold Private Client relationship with US$ 1,000,000	AED 4,500 Cash Credit	AED 4,500 Cash Credit
Additional reward granted if, in addition to meeting funding criteria, at least one of the following is true from the referee: - Opens an invstment account Mutual Funds / Securities Brokerage and invests a minimum of USD 10,000 OR - Takes up a minimum insurance policy (WAP or Fututa or Life Long ITA / IDTA) with sum insured amount of USD 200,000 OR - Takes up a savings insurance policy (Global Choice) with total premium contribution of USD 10,000 on Year 1	N/A	AED 1,250 Cash Credit

Offer Terms & Conditions

The Member Get Member(MGM) offer is open to all 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 online forms
Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between January 1, 2021 and February 28, 2021
Initial Funding: Once a Citigold/Citigold Private Client account is opened, the referred customer must fund with a minimum USD 200,000 (or equivalent in other currencies) for Citigold / minimum USD 1,000,000 (or equivalent in other currencies) for Citigold Private Client within 90 days of the account opening date in deposits, investments (clients equity only, leverage component not included) or insurance cash values
Funding Period: Once Initial Funding has taken place, referred clients must maintain their relationship balance above USD 200,000 (or equivalent in other currencies) for a period of 90 days at all times. To qualify for the Additional Reward (Optional), the client in addition to that needs to meet one of the specified Additional Reward Qualification criteria within 90 days from account opening
Upon fulfilling the funding criteria of 90 days minimum balance mentioned above, the cash reward will be credited within the next 30 working days. For the purpose of calculating reward, the lowest balance maintained for the 90 days will be taken.
Referrees 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
Referrals of spouse and self-referrals will not be accepted in this offer
If the Referee or Referrer are US Persons, the awards will be subject to FATCA reporting
For joint accounts, only the primary customer will receive the Cash Reward
This offer is applicable only for UAE residents.
All accounts will be opened at the sole discretion of Citibank, N.A UAE and only upon receipt of complete documentation required
Citibank reserves the right to change / modify the campaign anytime
Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit www.citibank.ae/TnC
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)
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.
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
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.
The account should be in good standing at the time of reward credit
To inform any Referrer whether or not his/her referral is successful is sole discretion of Citibank.
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
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.
If the required balance is not maintained (For Citigold USD 200,000 and/or Citigold Private Client USD 1,000,000) for 5 months, the account may be closed or downgraded by Citibank in compliance with the applicable terms and conditions
Offer is NOT applicable for Citibank staff (Including Non Employees)
The rewards in this offer and any other acquisition do not overlap i.e. the referred client can only collect one (NTB) reward.
Only the referred client can be eligible for the additional bonus of AED 1,250
Accounts opened prior to November 2020 are not eligible for additional bonus of AED 1,250

REFER NOW

01

Enter your details in the form below.

02

Enter your referee's details in the form. Add as many referees as you like by clicking "Add one more".

03

Click Submit.

04

We will contact your friend and help him/her process their Citigold banking account application.

05

Your friend's application is successfully approved.

06

Your friend funds his/her account within 30 days of account opening and maintains the balance for 3 consecutive months.

07

Upon fulfilling the funding requirement, you and your friend will both receive the cash reward.

Enter your details in the form below

Name

Country Code

Mobile Number

Email Address