A warm welcome to Citigold for
your loved ones

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.

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.

0. Offer Terms & Conditions (Referral Program):

0. Terms related to which customers are eligible for this offer:
1. 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
2. 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
3. Referrals of immediate family members (including spouse, sibling, parent, son/daughter) will not be accepted in this offer
4. 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.
5. For joint accounts, only the primary customer will receive the Cash Reward
6. This offer is applicable only for UAE residents.
7. The referrer is not eligible for the Bonus Reward
8. Offer is NOT applicable for Citibank staff (Including Non Employees)

8. Terms related to what eligible customers must do to qualify for this offer:
9. Referred customer should open a Citigold (CG) or Citigold Private Client (CPC) account between January 1, 2022 and June 30, 2022
10. 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
11. 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.
12. 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.
13. 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 at least $10,000 of investment products or a life insurance product at the end of the Funding Period. The referrer is not eligible for the Bonus Reward.
14. The Funding and Bonus Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
15. The account should be in good standing at the time of reward credit

15. Other Terms related to this offer:
16. All accounts will be opened at the sole discretion of Citibank, N.A UAE and only upon receipt of complete documentation required
17. Citibank reserves the right to change / modify the campaign anytime
18. Citibank Terms and Conditions apply which can be read at www.citibank.ae/TnC. They are subject to change and are available upon request
19. 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)
20. 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
21. 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
22. 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
23. 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
24. Customer qualifying under this offer cannot concurrently qualify under any other account acquisition offer related to CG/CPC account relationship
25. To inform any Referrer whether or not his/her referral is successful is sole discretion of Citibank.
26. 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
27. 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.