A warm welcome to Citigold for your loved ones 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 9,500
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

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 6,500.

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.

  1. Offer Terms & Conditions (Referral Program):
  1. Terms related to which customers are eligible for this offer:
  2. 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
  3. 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
  4. Referrals of immediate family members (including spouse, sibling, parent, son/daughter) will not be accepted in this offer
  5. If the Referee is a US Persons he/she is not eligible for Bonus Reward or Profiling and Investment Account opening Reward. They are only eligible for Funding Reward. Referrer can claim his reward for referring if he/she is a US person.
  6. For joint accounts, only the primary customer will receive the Cash Reward
  7. This offer is applicable only for UAE residents.
  8. The referrer is not eligible for the Bonus Reward.
  9. Offer is NOT applicable for Citibank staff (Including Non Employees)
  1. Terms related to what eligible customers must do to qualify for this offer:
  2. Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between October 1st 2022 to December 31st 2022.
  3. 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
  4. 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.
  5. 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 in January 1st, 2022, funded the account on January 10th, 2022 and maintained a TRB of $250,000 until April 10th, 2022, 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.
  6. 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 have purchased at least $10,000 worth of investment products or a life insurance products by the end of the Funding Period. The referrer will not be eligible for the Bonus reward,
  7. The account should be in good standing at the time of reward credit
  8. The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria

  1. Other Terms related to this offer:
  2. All accounts will be opened at the sole discretion of Citibank, N.A UAE and only upon receipt of complete documentation required
  3. Citibank reserves the right to change / modify the campaign anytime
  4. Citibank Terms and Conditions apply which can be read at https://www.citibank.ae/TnC. They are subject to change and are available upon request
  5. 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)
  6. 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
  7. 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
  8. 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
  9. 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
  10. Customer qualifying under this offer cannot concurrently qualify under any other account acquisition offer related to CG/CPC account relationship
  11. To inform any Referrer whether or not his/her referral is successful is sole discretion of Citibank.
  12. 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
  13. 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.
  14. 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 3,500 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 Balance1 at or above minimum for 90 days at all times Cashback of AED 5,500 Cashback of AED 6,000
Accelerated offer ** Citigold & Citigold Private Client To earn this additional reward, the customer must have accounts funded by the end of the month when they opened the account or the month following that will qualify for cashback. AED 1,000 N/A
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

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, Structured Notes, equity and mutual fund, including Systematic Investment Plan. 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.

**For accounts opened from 1, August 2022 to 31, December 2022 only. You can earn an additional AED 1,000 if you fund your account the same month when you opened your account or the month following that one. Terms and Conditions here.

REFER A FRIEND NOW

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Enter your registered mobile number.

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

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

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

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Your friend's application is successfully approved.

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Your friend funds his/her account within 90 days of account opening and maintains the balance for 3 consecutive months.

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

Enter your details in the form below

Example: 5XXXXXXXX

Enter your referee's details below

Example: 5XXXXXXXX
Example: 5XXXXXXXX
Example: 5XXXXXXXX
Example: 5XXXXXXXX
Example: 5XXXXXXXX
Please accept the acknowledgement

Disclaimer:


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’