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A warm welcome to Citigold for your loved ones

Citibank Referral Program

A warm welcome to Citigold for
your loved ones

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.

REWARDS FOR YOUR FAMILY AND FRIENDS

Invite them to experience Citibank Rewards

Up to
AED 13,000
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 6,000
cash credit

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.

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 6,000.

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?

Offer Terms & Conditions (Referral Program):

Terms related to which customers are eligible for this offer:
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.
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.
Referrals of immediate family members (including spouse, sibling, parent, son/daughter) will not be accepted in this offer.
For joint accounts, only one reward will be given to the Primary Account Holder
This offer is applicable only for UAE residents.
Offer is NOT applicable for US persons.
Offer is NOT applicable for Citibank staff (Including Non-Employees)
.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:
Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between January 1^st 2023 to December 31^st 2023.
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
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.
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 1^st, 2023, funded the account on January 10^th, 2023 and maintained a TRB of $250,000 until April 10^th, 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.
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.
The account should be in good standing at the time of reward credit
The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
The account should be in good standing at the time of reward credit
Customer qualifying under this offer cannot concurrently qualify under any other offer related to CG/CPC account relationship.

Other Terms related to this offer:
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 which can be read at www.citibank.ae/TnC. They are subject to change and are available upon request
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)
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
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
. 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
Customer qualifying under this offer cannot concurrently qualify under any other account acquisition offer related to CG/CPC account relationship
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.
The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms

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 Balance1 at or above minimum for 90 days at all times	Cashback of AED 4,000	Cashback of AED 4,000
Funding Reward	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 Balance1 at or above minimum for 90 days at all times	Cashback of AED 10,000	Cashback of AED 6,000
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 $10,000 worth of investments2 or life insurance products by the end of the Funding Period3	Cashback of AED 2,500	N/A
Profiling & Investment 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	N/A

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

Offer Terms & Conditions (Referral Program):

Terms related to which customers are eligible for this offer:
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.
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.
Referrals of immediate family members (including spouse, sibling, parent, son/daughter) will not be accepted in this offer.
For joint accounts, only one reward will be given to the Primary Account Holder
This offer is applicable only for UAE residents.
Offer is NOT applicable for US persons.
Offer is NOT applicable for Citibank staff (Including Non-Employees)
.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:
Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between January 1^st 2023 to December 31^st 2023.
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
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.
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 1^st, 2023, funded the account on January 10^th, 2023 and maintained a TRB of $250,000 until April 10^th, 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.
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.
The account should be in good standing at the time of reward credit
The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
The account should be in good standing at the time of reward credit
Customer qualifying under this offer cannot concurrently qualify under any other offer related to CG/CPC account relationship.

Other Terms related to this offer:
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 which can be read at www.citibank.ae/TnC. They are subject to change and are available upon request
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)
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
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
. 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
Customer qualifying under this offer cannot concurrently qualify under any other account acquisition offer related to CG/CPC account relationship
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.
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 Investment Account Opening & Profiling & Reward):
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”).
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.
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
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
Systematic Investment Plan (SIP) transactions are excluded from this offer.
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
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.
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
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.
The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms

REFER A FRIEND NOW

01

Enter your registered mobile number.

02

Click on ‘Generate unique link’ to create your unique referral link.

03

Copy or share with your friends & family so they can apply for Citigold.

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 90 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

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