Today: Nov 7, 2026

Citi Wealth First

* Interest rate changes over time. EIR is calculated based on your current savings amount ($0).
** The “updated at” date reflects when this calculator was updated, which may differ from the date the bank published the change.

Citi Wealth First

Current EIR: 0.00%

4 rate snapshots

Only Citigold and above members above 18 years old can access this perk (IE: more than 250k avg balance)
Bonus interest capped at first $250k (Citigold tier).
*Assumes Citigold tier. Citi Private clients enjoy higher rates (capped at first $500k).

Factors Affecting Rate

Acc Increase

Age

Insurance

Investment

One-Time Loan

Salary

Savings

Spending

Rate Change History

Date	What Changed	Yearly Interest ($)	EIR (%)
2026-10-01	Revised T&Cs (Citigold): Spend threshold S$250 → S$750 (bonus unchanged at +1.5%) Save (ADB increase ≥S$3K): +1.5% → +0.5% New Salary category: +1.0% (min S$5,000) Cap: Bonus Interest capped at first S$250K for Citigold (S$500K only for Citigold Private Client)	$0.00	0.00%
2026-06-05	Cap increased: $250K → $500K	$0.00	0.00%
2025-10-01	Monthly Acc Increase bonus replaced: S$3K+ adds +1.5% tier (was 0.015 × amount)	$0.00	0.00%
2025-05-01	Base: 0.01% Spend $250: +1.5% Invest $50K: +1.5% Insurance $50K: +1.5% Loan $500K: +1.5% Monthly Acc Increase: ×0.015 bonus Cap: $250K	$0.00	0.00%