From 1 July 2026 to 31 December 2026, eligible Citibank customers who purchase an eligible single premium or multi-pay protection insurance plan issued during the Promotion Period may receive one preferential 2-month USD Time Deposit interest rate. For single premium plans, the tiers are USD 150,000 to below USD 400,000 at 10.00% p.a., USD 400,000 to below USD 800,000 at 12.00% p.a., USD 800,000 to below USD 1,200,000 at 13.00% p.a., USD 1,200,000 to below USD 1,600,000 at 14.00% p.a., and USD 1,600,000 and above at 16.00% p.a. For multi-pay plans, the corresponding Annual Premium Equivalent tiers are USD 15,000 to below USD 40,000, USD 40,000 to below USD 80,000, USD 80,000 to below USD 120,000, USD 120,000 to below USD 160,000, and USD 160,000 and above. A minimum USD 10,000 must be placed into a 2-month USD Time Deposit after eligible plan inception. The maximum placement amount is the lower of 50% of the single premium or five times the Annual Premium Equivalent, as applicable, or USD 1,500,000. The 2-month Time Deposit must be placed no later than 31 January 2027. Eligible plans include AIA Platinum Legacy (IX) (SP), AIA Platinum Legacy (IX) (Multi-Pay), AIA Platinum Heritage Wealth (II) (SP), AIA Platinum Indexed Legacy (II) (SP), AIA Platinum Indexed Legacy (II) (Multi-Pay), AIA Platinum Indexed Legacy (III) (SP), and AIA Platinum Indexed Legacy (III) (Multi-Pay). AIA Platinum Indexed Legacy (II) plans withdrawn on 19 July 2026 remain eligible if submitted on or before 19 July 2026.

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Citi-AIA IPB Insurance Time Deposit Promotion, Single Premium Savings

From 1 July 2026 to 31 December 2026, eligible Citibank customers who purchase an eligible single premium savings insurance plan issued during the Promotion Period may receive one preferential 2-month USD Time Deposit interest rate. The single premium tiers are USD 150,000 to below USD 400,000 at 6.00% p.a., USD 400,000 to below USD 800,000 at 8.00% p.a., USD 800,000 to below USD 1,200,000 at 10.00% p.a., USD 1,200,000 to below USD 1,600,000 at 12.00% p.a., and USD 1,600,000 and above at 14.00% p.a. A minimum USD 10,000 must be placed into a 2-month USD Time Deposit after eligible plan inception. The maximum placement amount is the lower of 50% of the single premium or USD 1,500,000. The 2-month Time Deposit must be placed no later than 31 January 2027. Eligible plans include AIA Retirement Saver (IV) (SP), AIA Smart Wealth Builder (SP), AIA Smart Wealth Builder (II) (SP), AIA Platinum Gift for Life Plus (SP), AIA Platinum Gift for Life Plus (II) (SP), and AIA Platinum Infinite Wealth (II) (SP).

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Citi-AIA IPB Insurance Time Deposit Promotion, Regular Premium Protection

From 1 July 2026 to 31 December 2026, eligible Citibank customers who purchase an eligible regular premium protection insurance plan issued during the Promotion Period may receive one preferential 2-month USD Time Deposit interest rate. The annualised premium tiers are USD 4,500 to below USD 7,500 at 4.00% p.a., USD 7,500 to below USD 15,000 at 5.00% p.a., USD 15,000 to below USD 35,000 at 6.00% p.a., and USD 35,000 and above at 7.00% p.a. For the 4.00% and 5.00% tiers, a minimum USD 5,000 must be placed into a 2-month USD Time Deposit after eligible plan inception. For the 6.00% and 7.00% tiers, a minimum USD 10,000 must be placed after eligible plan inception. The maximum placement amount is the lower of two times the annualised premium or USD 800,000. The 2-month Time Deposit must be placed no later than 31 January 2027. Eligible plans include AIA Platinum Generations (II), AIA Beyond Critical Care, AIA Secure Flexi Term, and AIA Platinum Heritage Wealth (II).

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Citi-AIA IPB Insurance Time Deposit Promotion, Regular Premium Savings

From 1 July 2026 to 31 December 2026, eligible Citibank customers who purchase an eligible regular premium savings insurance plan issued during the Promotion Period may receive one preferential 2-month USD Time Deposit interest rate. The annualised premium tiers are USD 20,000 to below USD 25,000 at 4.00% p.a., USD 25,000 to below USD 40,000 at 5.00% p.a., USD 40,000 to below USD 75,000 at 6.00% p.a., and USD 75,000 and above at 7.00% p.a. The maximum placement amount is the lower of two times the annualised premium or USD 800,000. The 2-month Time Deposit must be placed no later than 31 January 2027. Eligible customers must not have free-looked an issued policy in the previous six months and subsequently resubmitted an application for an eligible plan during the Promotion Period. Eligible plans include AIA Retirement Saver (IV), AIA Smart Wealth Builder, AIA Smart Wealth Builder (II), AIA Platinum Gift for Life Plus (II), and AIA Platinum Infinite Wealth (II).

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Citi-AIA Insurance-Rewards Campaign

From 1 January 2026 to 30 June 2026, eligible non-US person Citibank customers can receive one Insurance-Reward in Reward Points for each eligible AIA insurance plan issued during the Promotion Period that meets the applicable premium threshold. Eligible customers who are existing Citibank AIA insurance customers, eligible mortgage customers, or both, can additionally receive one Loyalty Reward for each qualifying eligible plan. Rewards range from SGD 200 to SGD 4,800 worth of Reward Points for the Insurance-Reward and SGD 100 to SGD 2,400 worth of Reward Points for the Loyalty Reward, depending on the plan type and premium tier. Eligible plans include specified regular premium and single premium savings and protection plans. Rewards are subject to the full terms and conditions, including eligibility, underwriting and acceptance by AIA, and cannot be transferred or exchanged for cash, credit or other gifts.

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Citi-AIA Onshore Insurance Time Deposit Promotion

From 1 July 2026 to 31 December 2026, eligible Citibank customers who purchase qualifying AIA insurance plans may receive one preferential 2-month SGD or USD Time Deposit interest rate offer for each eligible plan issued during the Promotion Period. Rates range from 4.00% p.a. to 16.00% p.a., depending on the eligible plan category and qualifying annualised, single premium or multi-pay premium amount. The 2-month Time Deposit must be placed no later than 31 January 2027, after eligible plan inception. Minimum placement amounts are SGD 10,000 or USD equivalent for rates marked B, and SGD 5,000 or USD equivalent for rates marked C. Maximum placement amounts are subject to the applicable premium-based limits. Eligible customers must satisfy the stated eligibility criteria, including not having free-looked an issued policy in the previous six months and subsequently resubmitted an eligible plan application during the Promotion Period. Preferential rates may be changed or withdrawn during the Promotion Period with notice. Once the funds are deposited and the 2-month Time Deposit is established, the applied rate is fixed until maturity.

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Citi Client Referral Programme 2026

From 1 January 2026 to 31 March 2026, eligible existing Citigold or Citigold Private Client customers can receive S$688 cash for each successful referral of a new-to-bank Citigold customer with AUM of at least S$500,000, or S$2,888 cash for each successful referral of a new-to-bank Citigold Private Client customer with AUM of at least S$1,500,000 who signs up as an Accredited Investor on an individual basis as the primary accountholder. Rewards are capped at five successful referrals per calendar quarter. The referee must complete the qualifying requirements by the end of the three-month Welcome Period and maintain them until reward fulfilment. Referral forms must be submitted within 14 days of the referee's account opening, or before account opening for IPB referrals. The promotion is not valid with other promotions except the Citi New-to-Bank Welcome Programme 2026, is not available to U.S. Persons, and excludes referrals established through Singsaver, MoneySmart or other non-Citi channels.

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Wealth Bonus Reward

Eligible New Clients must establish a qualified Citigold relationship with AUM of at least S$350,000, or a Citigold Private Client relationship with AUM of at least S$1,500,000 and sign up as an Accredited Investor on an individual basis as the primary accountholder. Accumulate at least S$100,000 in qualified new investment transactions and insurance purchases during the three-month Welcome Period to receive S$1,000 cash for every S$100,000 of Eligible Amount. The reward payout is capped at S$50,000 per eligible New Client. The promotion is valid from 1 July 2026 to 31 December 2026 and is not available to U.S. Persons.

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Wealth Starter Reward

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Fresh Funds Reward

Eligible New Clients must establish a qualified Citigold relationship with AUM of at least S$350,000, or a Citigold Private Client relationship with AUM of at least S$1,500,000 and sign up as an Accredited Investor on an individual basis as the primary accountholder. Fresh Funds must be funded by the end of the three-month Welcome Period and maintained until reward fulfilment. Rewards are S$900 for fresh funds of at least S$350,000, S$6,000 for at least S$1,500,000, S$12,600 for at least S$3,000,000, S$21,600 for at least S$5,000,000, and S$30,600 for at least S$7,000,000. Clients who establish their relationship via Singsaver, MoneySmart or other non-Citi channels are excluded. The promotion is valid from 1 July 2026 to 31 December 2026 and is not available to U.S. Persons.

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Citigold Private Client Exclusive SGD and USD Time Deposit Promotion

Available from 1 August 2026 to 31 August 2026 for eligible customers who receive the promotion EDM directly from Citi or are informed directly by their Client Advisor. Eligible customers can place SGD or USD time deposits for 3 or 6 months through a Client Advisor. SGD rates are 1.30% p.a. for 3 months and 1.40% p.a. for 6 months, for deposits of S$10,000 to below S$10,000,000. USD rates are 3.40% p.a. for 3 months and 3.60% p.a. for 6 months, for deposits of US$10,000 to below US$10,000,000. Placement through Citibank Online or the Citi Mobile App is not eligible. An administrative fee or withdrawal charge may apply for termination before maturity. Rollover upon maturity is at prevailing board rates. The promotion is not available to U.S. Citizens, U.S. Residents or Green Card holders.

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Citigold Private Client High-Rate Fresh Funds Time Deposit Promotion

Available from 1 August 2026 to 31 August 2026. Eligible customers can place fresh funds in SGD or USD time deposits for 3 or 6 months through a Client Advisor. SGD rates are 1.40% p.a. for 3 months and 2.00% p.a. for 6 months, for deposits of S$10,000 to below S$10,000,000. USD rates are 4.00% p.a. for 3 months and 4.50% p.a. for 6 months, for deposits of US$10,000 to US$10,000,000. Fresh funds must not originate from an existing Citibank or Citigroup Organisation account, may be deposited in tranches during the Promotion Period, and must be incremental to the customer’s existing account balance three months before placement. Total assets under management must be at least US$200,000 or equivalent for Citigold customers, or US$1,000,000 or equivalent for Citigold Private Client customers. Placement through Citibank Online or the Citi Mobile App is not eligible. Early withdrawal charges or adjusted interest may apply. The promotion is not available to U.S. Citizens, U.S. Residents or Green Card holders.

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