We all want the people closest to us to get the most out of life. That’s why our referral program makes it easy and rewarding to invite your loved ones to experience more with Citigold®.
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.
Whatever wealth means to those close to you, we'll be there to help them achieve it on their terms.
Once your friend's account is funded, depending on the funding amount, you can get cash credit worth up to AED 6,000. Please ensure your friend is not already a Citibank account holder.
FAQsYou 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 6,000.
Referring is easy! Get started with our step-by-step instructions below.
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.
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 | |
Investment and Insurance Rewards | Citigold & Citigold Private Client | Customer must have made an investment2 of minimum USD 30,000 (excluding fees & charges) or more Or paid APE* of USD 30,000 or more in any Life insurance policy on or before the end of the Funding Period and must maintain an investment/insurance policy of equal or greater value as of the last day of the funding period3. | Cashback of AED 4,000 | |
To earn this additional reward, customer must have made an investment2 of minimum USD 200,000 (excluding fees & charges) or more Or paid APE* of USD 200,000 or more in any Life insurance policy on or before the end of the Funding Period and must maintain an investment/insurance policy of equal or greater value as of the last day of the funding period3. | Cashback of AED 4,000 |
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 Bonds, Structured Notes, Equity and Mutual Funds, excluding Regular Saving Plans. Customer can buy any one insurance product or multiple insurance products with aggregate annualized premium being >=USD 30,000 and/or >=USD 200,000 to qualify. However, if customer buys USD 15,000 or USD 100,000 of Investments and USD 15,000 or USD 100,000 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 always maintain the balance above the minimum.
*APE is Annualized Premium Equivalent on an insurance policy. For regular premium insurance policies,APE = total premium expected to be paid in one year.
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 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 as a Promoter under license number 602003’