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Emirates Citi World Mastercard

4 reviews

Apply by 31 December 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Emirates Skywards

Bonus points

60,000 points
60,000% Complete (success)

Annual fee

$149 first year
149% Complete (success)
then $299

Pros

Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles.

Half annual fee for the first year

0% on balance transfers for 9 months

Two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates

One complimentary chauffeur-driven ride per year to and from the airport

Complimentary International Travel Insurance and Transit Accident Insurance

Cons

Balance transfer reverts to cash advance rate of 21.74% p.a.

Annual fee from the second year is $299

Emirates Citi World Mastercard

Enjoy 50,000 bonus Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles. Pay half annual fee for the first year plus you can also transfer an existing balance at 0% for 9 months (this reverts to cash advance rate). Earn 1 Skywards Mile per $1 spent on eligible Domestic Spend up to $3,000, then 0.5 per $1 spent (up to $10,000 per statement period). 1.25 Skywards Miles per $1 spent on eligible International Spend (uncapped). Offer ends 31 December 2019.

Card owners will also receive two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates and one complimentary chauffeur ride per year to and from the airport. Add to this international travel insurance and transit accident insurance to complete the perfect card for Emirates fliers.

Key features

  • Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles. Offer ends 31 December 2019
  • 0% on balance transfers for 9 months
  • Pay half annual fee for the first year - $149 (usually $299)
  • One complimentary ride to and from the airport per year when flying Emirates
  • 1 Skywards Mile per $1 spent on eligible Domestic Spend up to $3,000, then 0.5 per $1 spent (up to $10,000 per statement period)
  • 1.25 Skywards Miles per $1 eligible International Spend (uncapped)
  • 1.5 Skywards Miles for every $1 spent on airline tickets purchased via emirates.com
  • Complimentary International Travel Insurance and Interstate Flight Inconvenience Insurances.
  • Two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates
  • Rates
    75%
  • Fees
    68%
  • Rewards
    73%
  • Customer Service
    75%
  • Value
    73%
75% of customers who have rated this card would recommend it
Overall customer rating 73%
4 reviews
Interest Rates
Purchase rate 20.99% p.a.
Cash advance rate 21.74% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 9 months
Balance transfer fee No fee
Balance transfer revert rate 21.74% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan Yes
Banks you can't balance transfer from Bank of Queensland ,Citi ,Coles ,Emirates ,IMB ,Qantas Money ,Suncorp ,Virgin Money
Credit limits
Minimum credit limit $15,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $299 p.a.
Annual fee first year $149
Additional cardholder fee Up to 4 at no extra cost
Cash advance fee 3.5%
Foreign transaction fee 3.4%
Minimum repayment 2%
Late payment fee $30
Credit card type Mastercard
Rewards program
Rewards program Emirates Skywards Emirates Skywards
Bonus points 60,000 Skywards points
Annual points cap uncapped
Bonus points spend criteria Spend $500 within first 90 days
Earning points with this card
Skywards points 1 point per $1 spent
Overseas earn rate 1.25 points per $1 spent
Points cap per month Capped at $10,000 per statement period
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Two complimentary lounge passes at Emirates Lounges in Australia when flying Emirates
One complimentary chauffeur-drive service per year to and from the airport when flying Emirates

The Big Review: Emirates Citi World Mastercard

Offering up to 60,000 bonus Skywards Miles to new cardholders, the Emirates Citi World Mastercard is an appealing rewards card that is currently offering 0% p.a. on balance transfers for 9 months and a discounted annual fee of $149 in the first year. With a wide range of perks on offer, this is the only direct-earn card in the market for Emirates Skywards miles providing Emirates lounge passes, airport transfers, and complimentary travel insurances.

  • Receive up to 60,000 bonus Skywards Miles
  • Earn up to 1.5 Skywards Miles per $1
  • Two complimentary lounge passes per year to use at any Emirates Lounge in Australia when flying Emirates
  • One complimentary chauffeur-drive service per year to and from the airport when flying Emirates
  • Access to some of the most celebrated golf properties in the world
  • Complimentary insurances covering retail and travel purchases
  • Free wine when you dine with the Citibank Dining Program
  • World Mastercard exclusive benefits
  • Personal concierge service
  • Access to Citi World Privileges
  • Discounted annual fee of $149 in the first year
  • 0% p.a. on balance transfers for 9 months
  • Annual fee: $149 in your first year (normally $299)
  • Purchase rate: 20.99% p.a. (variable)
  • Cash advance rate: 21.74% p.a. (variable)
  • Interest free period: Up to 55 days interest free
  • Your total balance transfers may not exceed 80% of your credit limit. Any transferred balances left unpaid after nine months will revert to the card’s cash advance rate.

This Card: The Lowdown

With an earn rate of 1.5 Skywards Miles per $1 spent on airline tickets purchased via emirates.com, the Emirates Citi World Mastercard could be the perfect option for anyone who regularly flies and books directly with Emirates. Working well for business owners or frequent leisure travellers, the card also offers two lounge invitations and an airport limo service each cardholder year when flying with Emirates.

Offering one of the better earn rates for Skyward Miles on everyday spending, the card could certainly be valuable for Emirates lovers. Plus, the card keeps it interesting with an extensive range of Citi perks and privileges, insurance covers and a personal concierge service, all for a discounted annual fee of $149 in the first year.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Emirates Citi World Mastercard, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Designed to entice new cardholders, the Emirates Citi World Mastercard is currently offering up to 60,000 bonus Skywards Miles to cardholders who apply and are approved by 31 December 2019. 

You will receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Then, if you spend at least $500 on airline tickets at emirates.com during that period, you will receive an additional 10,000 Skywards Miles. Bonus Skywards Miles will usually be credited to your account within ten weeks of meeting each spend criteria.

To earn Skywards Miles on the card, you must be an Emirates Skywards member. To apply, simply visit the Emirates Skywards site and you can join for free. Be aware that you must provide Citi with your valid Emirates Skywards membership number within six months of your account opening, or your bonus Skywards Miles will be forfeited.

Everyday Earning

While other rewards cards allow cardholders to transfer the points they earn to Emirates Skywards, the Emirates Citi World Mastercard is designed as a direct-earn card. That means all points earned on the Emirates Citi World Mastercard are transferred directly to the cardholder’s Emirates Skywards account.

  • 1 Skywards Mile for every $1 spent on eligible domestic spending up to $3000 per statement period, and then 0.5 Skywards Miles per $1 spent up to $10,000 per statement period
  • 1.25 Skywards Miles for every $1 spent on eligible international spending (uncapped)
  • 1.5 Skywards Miles for every $1 spent on airline tickets purchased via emirates.com

Working out whether this earn rate offers value to you obviously involves taking into account how much you pay to use the card. Weighing up the value of the rewards you receive against the annual fee you pay out is a good place to start. Happily, the Emirates Citi World Mastercard offers a discounted annual fee of $149 for the first year, helping you get more value from the card.

You may also choose to add up to four additional cardholders to the account, at no extra cost. With five cards being used day-to-day, you may find you rack up points faster, helping you gain more value from the card. However, bear in mind as the primary cardholder, you are responsible for all cardholder spending.

As long as you have provided Citi with your Emirates Skywards membership details, the points you earn will be credited directly to your account. Again, if you don’t provide those details within six months of account opening, any Skywards Miles you have earned will be forfeited.

At the end of your statement cycle, the total Skywards Miles earned from retail purchases during that month will be credited to your Emirates Skywards account within 15 days. Take note, Skywards Miles can only be transferred to your Emirates Skywards account at the end of your statement cycle.

Redeeming Points

The award-winning frequent flyer program from Emirates, Emirates Skywards, offers four tiers of membership: Blue, Silver, Gold and Platinum. Members can enjoy varying levels of exclusive privileges within each membership tier. In terms of redemption options, members can redeem their Skywards Miles on flights, hotels and tours, and on merchandise through The Emirates High Street.

Skywards Miles can be redeemed for flights with Emirates, and for international flights with other Emirates Skywards partners. You could opt for Classic Rewards to pay for the full cost of your Emirates flight with Skywards Miles, or choose Cash+Miles to pay for your Emirates flight using a combination of cash and Skywards Miles.

Alternatively, you could redeem your Skywards Miles to cover hotel stays and car rentals, or against activities with Emirates’ other leisure and lifestyle partners. Or, you could head to the High Street. The Emirates High Street allows Emirates Skywards members to use their Skywards Miles to purchase products and once-in-a-lifetime experiences, with delivery to 60 countries around the world.

This Card: As a Travel Rewards Card

As a frequent flyer card, the Emirates Citi World Mastercard offers cardholders valuable perks and privileges perfect for the frequent traveller, including lounge access, airport transfers, golf perks and insurance cover.

Lounge Access

Making long airport waits much more enjoyable, the Emirates Citi World Mastercard offers cardholders two complimentary lounge passes each year, providing access to any Emirates Lounge in Australia when flying Emirates. These passes will be made available to the cardholder each year upon payment of their annual fee.

Available to the primary cardholder only, passes can be used by the cardholder and a guest during one visit, or alternatively, by the cardholder alone on two separate trips. To access the lounge, the cardholder must have used their Emirates Citi World Mastercard to pay for the flight, and if bringing a guest, both the cardholder and guest must be departing on the same flight.

Airport Transfers

Another alluring feature for the world-weary traveller, the Emirates Citi World Mastercard provides one complimentary chauffeur-driven service per year to and from the airport, when flying Emirates. To be eligible for this service, the cardholder must use their card to book and pay for an Emirates long haul flight in Economy Class.

This is valid for the primary cardholder and one guest, from one pick-up point. There is a total luggage limit of one suitcase plus one carry-on bag per person. Certain kilometre restrictions for each capital city in Australia apply, and any travel which exceeds the kilometre cap will not be eligible for this service. Trans-Tasman flights, Emirates Skywards reward tickets, travel industry tickets and group bookings are also excluded.

World Golf Benefits

If you love golf, you’ll love this feature. With the Emirates Citi World Mastercard in your wallet, you will have access to some of the most illustrious golf properties in the world, allowing you to tee off on world-famous Tournament Players Club (TPC) courses, as well as receiving on-site perks at PGA Tour events.

Travel Insurance

Providing you peace of mind as you travel, the Emirates Citi World Mastercard offers a range of handy insurance covers.

  • International Travel Insurance: When you use your card to purchase overseas travel tickets for you and your family, you may be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
  • Transit Accident Insurance: By using your card to purchase overseas travel tickets for you and your family, you may may receive up to $500,000 should you sustain a fatal injury as a passenger while travelling.
  • Interstate Flight Inconvenience Insurance: Use your card to purchase your travel tickets and you may be covered for events like flight delays, cancellations, baggage delays and personal item damage.

This Card: Extras on Offer

Credit cards offered by Citibank often come equipped with lots of tempting extras. The Emirates Citi World Mastercard is no exception.

Free Wine When You Dine

Allowing you to enjoy a free bottle of wine when you dine at hundreds of participating restaurants and pay with your card, the Citibank Dining Program offers you the opportunity to save money on your dining experience, while sampling wine from award-winning wineries.

World Mastercard Exclusive Benefits

The Emirates Citi World Mastercard offers cardholders a range of Mastercard features, including access to travel, entertainment, dining and golf events and experiences exclusive to World Mastercard cardholders, and even more through Mastercard Priceless Cities.

Personal Concierge Service

Likely to come in handy if you’re short on time, the Emirates Citi World Mastercard offers a personal concierge service, available 24/7. This useful service can help you book travel, find tickets for concerts and events, or simply offer a recommendation on where to eat, wherever you happen to be in the world.

Retail Cover

Alongside its range of travel insurances, the Emirates Citi World Mastercard also provides cover for retail purchases.

  • Purchase Cover Insurance: If items purchased using your card are lost, stolen or damaged anywhere in the world within 90 days, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.
  • Extended Warranty Insurance: Typically extending the manufacturer's warranty period by up to 12 months, this insurance offers additional cover for items purchased using your card.
  • Guaranteed Pricing Scheme: Allowing you to receive a refund of the price difference on an item purchased using your card, when you buy in-store and then see the same product advertised at a lower price within 25kms. You can claim the difference as long as it is greater than $75, up to $500, and the product hasn't been purchased online.

This Card: The Essentials

Determining whether the Emirates Citi World Mastercard is right for you means looking at how much it will cost you, and the way in which you will use it. Happily, the card offers a discounted annual fee of $149 in the first year, but that fee doubles in size in the following year, costing cardholders $299 each year. Is the card still of value to you? You’d need to assess the value of the rewards and features you receive from the card to work that one out.

If you tend to carry a balance on your credit card, you may either want to change your ways, or opt for a card with a lower rate. However, if you clear your balance by the due date each month, you should be able to enjoy more value from the card. Similarly, it would probably be best to avoid cash advances to save on fees and that high cash advance rate.

To be eligible for the Emirates Citi World Mastercard, you must be 18 years or older and an Australian resident. You must also earn more than $75,000 a year. As mentioned previously, you must be an Emirates Skywards member, but that’s easy to achieve as joining is free and can be completed online in just a few minutes.

Decision Time

An excellent option for frequent Emirates travellers who tend to book with Emirates direct, the Emirates Citi World Mastercard offers a great earn rate on Emirates flights as well as everyday spending. As icing on the cake, the card provides up to 60,000 bonus Skywards Miles to new cardholders, alongside a host of features and extras, including lounge access and airport transfers.

12 questions (showing the latest 10 Q&As)

Paul

Paul

10 December 2018
The requirement to be an Emirates Gold tier member is 50,000 points - does this mean that when you receive the 50,000 bonus points from the Citi credit card you automatically qualify for Gold tier membership? And doesn't this mean you'd have unlimited lounge access?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2018
    Hi Paul, I assume that the bonus points are not counted towards the Emirates Gold tier. Otherwise this would be clearly stated with the product information. Unlimited lounge access would be great!
davidair

davidair

23 November 2018
do you have a travel insurance department if so what number do I need to call, al is there a phone number to ring an 0perator
david blair

david blair

19 November 2018
does this card have travel insurance built into it, if so does it have car rental excess as part of the policy
Mohd

Mohd

16 October 2018
Is there any card in Australia allow me to have unlimited lounge access!! the 0 annual fee MasterCard I had in Dubai was allowing me to get into any MasterCard lounge!!! Thanks in advance for your support.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 October 2018
    Hi Mohd, I hear you. In Australia it is not a common feature. Most cards, if they offer, only give you a few visits. I believe there is one card, the Citi Prestige. Though the annual fee on this card is very high. Though it does have up to 400,000 bonus points right now. I suggest if this is an important feature and the Prestige annual fee too high. Then look to a lounge access program like www.prioritypass.com.
YORK

YORK

28 February 2018
I'd like to apply this Emirates Citi World Mastercard which offers an interest of 0% on balance transfer for 9 months. I have a couple of questions:a, I have heard that balance transfers from a Citi credit card can be chequed to myself instead of transfering the credit balance to a financial institution. I'd like to know if this option applies to this Emirates credit card or not.b, if 'cheque to self' feature is available on this card, will I be charged for cash advance rates for the balance chequed to me? and is there any other fees involved for getting a cheque?c, in the future if I want to close this Mastercard account, providing the account balance is $0 at the time of closing, will I be charged for any cancellation fee or not?thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 March 2018
    Hi York, A. yes this is possible.The cheque to self amount would be charged at the balance transfer rate. After the intro period expires it would revert to the cash advance rate. There are no additional fees involved other than any stated with the offer. You can cancel a credit card at any time (with a $0 balance) without penalty.
jeremyhall

jeremyhall

18 February 2018
I wish to change my credit card no to mastecard 5xxxxxxxxxxxxxxx
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 February 2018
    Hi Jeremy, you will need to contact your credit card company customer service.
Ray Burgess

Ray Burgess

21 November 2017
Hi can I do a credit transfer balance from my New Zealand credit card ? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 November 2017
    Hi Ray, you can only transfer Australian debt to an Australian balance transfer credit card offer. So unfortunately that is a no.
MEAT TENDER PTY LTD

MEAT TENDER PTY LTD

25 May 2017
We are looking for a business card where we can accumulate all our skywards points on and Skywards said that you have this product
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 May 2017
    Hi Shirley, this is the only direct earn Emirates credit card in market but is only for personal use. There are a range of business cards whereby you can transfer points to the Skywards program. If you can use an AMEX then this Business Platinum Charge card with 100,000 bonus points has a great amount of features. You can transfer points to your Skywards account and have a range of other great travel features. There are a limited cards that link with the emirates program now.
denise

denise

6 March 2017
Very disappointed with Citibank changing rules ie. points capping, no BPay payments and still charging $299 etc, however I found the points needed for flights was great. (Melb-Athens return was around 110,000 economy and 320,000 business). Considering dropping this credit card now, what would you recommend, I spend approx $50000 per month and want to take advantage of points - Amex is not an option?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 March 2017
    Hi Denise, with that of spend an unlimited points earning card is needed. If you like the Emirates points then the Citi Prestige could be the answer. This is the card that I have myself and I like the flexibility of the Citi Rewards program that let's me transfer points to a range of airlines inc Emirates. Your standard earn 2 Citi points per dollar spent, though you can get up to 5 points for overseas purchases. I believe the current transfer rate is 2.5 Citi points per 1 Skyward Miles. Therefore its just under $1 per point on the transfer but uncapped. You would certainly be racking up a heap of points on that type of monthly spend. Let me know if this card does not suit.
Adrian

Adrian

8 December 2015
I require a CC, retail or businesss ( have an ABN), that does not have a cashout or cash advance facility, or one that can be activated or deactivated by the card holder. The card is intended for general purchases within Australia.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2015
    Hi Adrian, not many cards do not offer cash advances but I see from you next question that you could look at the AMEX essential
Deborah

Deborah

21 June 2015
Can you have an extra card on the account for spouse and is there a cost. Is this the only card available which gets emirates points, if not which other card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 June 2015
    Hi Deborah - you can have your spouse on the card at no additional cost. This is the only direct Emirates card that I am aware of, though a number of premium cards do have the option of transferring points in blocks. E.g. https://www.creditcard.com.au/citi-prestige/ - Emirates Skywards Miles: 2.5 Citibank reward points = 1 Skywards Mile. This card has 2 Citi points earn per dollar spent. Best of luck with your application.
sam

sam

12 May 2015
is there a cap on the maximum number of points you can earn in a year? and can i pay government fees on this card a nd recipe points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2015
    Hi Sam - there is a points cap of 150,000 annually which is pretty low. You would not be able to pay taxes and receive points from this.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian resident
  • Minimum income of $75,000 p.a.
  • You have your personal details ready to complete the online application
Emirates Citi World Mastercard
Emirates Citi World Mastercard

Citi Credit Cards

Emirates Citi World Mastercard

14 March 2019

Apply by 31 December 2019

Points Earn Rate (per $1 spent)

1

point

Skywards

Rewards Program

Emirates Skywards

Bonus Points

60,000 pts

Spend $500 within first 90 days

0 points over 12 months spend

My monthly card spend

Emirates Citi World Mastercard

Enjoy 50,000 bonus Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles. Pay half annual fee for the first year plus you can also transfer an existing balance at 0% for 9 months (this reverts to cash advance rate). Earn 1 Skywards Mile per $1 spent on eligible Domestic Spend up to $3,000, then 0.5 per $1 spent (up to $10,000 per statement period). 1.25 Skywards Miles per $1 spent on eligible International Spend (uncapped). Offer ends 31 December 2019.

Card owners will also receive two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates and one complimentary chauffeur ride per year to and from the airport. Add to this international travel insurance and transit accident insurance to complete the perfect card for Emirates fliers.

Key features

  • Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles. Offer ends 31 December 2019
  • 0% on balance transfers for 9 months
  • Pay half annual fee for the first year - $149 (usually $299)
  • One complimentary ride to and from the airport per year when flying Emirates
  • 1 Skywards Mile per $1 spent on eligible Domestic Spend up to $3,000, then 0.5 per $1 spent (up to $10,000 per statement period)
  • 1.25 Skywards Miles per $1 eligible International Spend (uncapped)
  • 1.5 Skywards Miles for every $1 spent on airline tickets purchased via emirates.com
  • Complimentary International Travel Insurance and Interstate Flight Inconvenience Insurances.
  • Two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates

Customer Reviews

Emirates Citi World Mastercard

73% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 20.99% p.a.

Cash advance rate 21.74% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 9 months

Balance transfer revert rate 21.74% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee.

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Queensland ,Citi ,Coles ,Emirates ,IMB ,Qantas Money ,Suncorp ,Virgin Money

Credit limits

Minimum credit limt $15,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $299 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3.4%

Minimum repayment 2%

Annual fee the first year $149

Cash advance fee 3.5%

Late payment fee $30

Rewards & points

Rewards program

Rewards Program Emirates Skywards Emirates Skywards

Bonus points 60,000 Skywards points

Annual points cap uncapped

Bonus points spend criteria Spend $500 within first 90 days

Earning points with this card

Skywards pointsSkywards points 1 point per $1 spent

Points cap per month Capped at $10,000 per statement period

Overseas earn rateOverseas earn rate 1.25 points per $1 spent

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone Screen Insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Two complimentary lounge passes at Emirates Lounges in Australia when flying Emirates

One complimentary chauffeur-drive service per year to and from the airport when flying Emirates

Our Review

Editor Review

The Big Review: Emirates Citi World Mastercard

Offering up to 60,000 bonus Skywards Miles to new cardholders, the Emirates Citi World Mastercard is an appealing rewards card that is currently offering 0% p.a. on balance transfers for 9 months and a discounted annual fee of $149 in the first year. With a wide range of perks on offer, this is the only direct-earn card in the market for Emirates Skywards miles providing Emirates lounge passes, airport transfers, and complimentary travel insurances.

  • Receive up to 60,000 bonus Skywards Miles
  • Earn up to 1.5 Skywards Miles per $1
  • Two complimentary lounge passes per year to use at any Emirates Lounge in Australia when flying Emirates
  • One complimentary chauffeur-drive service per year to and from the airport when flying Emirates
  • Access to some of the most celebrated golf properties in the world
  • Complimentary insurances covering retail and travel purchases
  • Free wine when you dine with the Citibank Dining Program
  • World Mastercard exclusive benefits
  • Personal concierge service
  • Access to Citi World Privileges
  • Discounted annual fee of $149 in the first year
  • 0% p.a. on balance transfers for 9 months
  • Annual fee: $149 in your first year (normally $299)
  • Purchase rate: 20.99% p.a. (variable)
  • Cash advance rate: 21.74% p.a. (variable)
  • Interest free period: Up to 55 days interest free
  • Your total balance transfers may not exceed 80% of your credit limit. Any transferred balances left unpaid after nine months will revert to the card’s cash advance rate.

This Card: The Lowdown

With an earn rate of 1.5 Skywards Miles per $1 spent on airline tickets purchased via emirates.com, the Emirates Citi World Mastercard could be the perfect option for anyone who regularly flies and books directly with Emirates. Working well for business owners or frequent leisure travellers, the card also offers two lounge invitations and an airport limo service each cardholder year when flying with Emirates.

Offering one of the better earn rates for Skyward Miles on everyday spending, the card could certainly be valuable for Emirates lovers. Plus, the card keeps it interesting with an extensive range of Citi perks and privileges, insurance covers and a personal concierge service, all for a discounted annual fee of $149 in the first year.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Emirates Citi World Mastercard, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Designed to entice new cardholders, the Emirates Citi World Mastercard is currently offering up to 60,000 bonus Skywards Miles to cardholders who apply and are approved by 31 December 2019. 

You will receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Then, if you spend at least $500 on airline tickets at emirates.com during that period, you will receive an additional 10,000 Skywards Miles. Bonus Skywards Miles will usually be credited to your account within ten weeks of meeting each spend criteria.

To earn Skywards Miles on the card, you must be an Emirates Skywards member. To apply, simply visit the Emirates Skywards site and you can join for free. Be aware that you must provide Citi with your valid Emirates Skywards membership number within six months of your account opening, or your bonus Skywards Miles will be forfeited.

Everyday Earning

While other rewards cards allow cardholders to transfer the points they earn to Emirates Skywards, the Emirates Citi World Mastercard is designed as a direct-earn card. That means all points earned on the Emirates Citi World Mastercard are transferred directly to the cardholder’s Emirates Skywards account.

  • 1 Skywards Mile for every $1 spent on eligible domestic spending up to $3000 per statement period, and then 0.5 Skywards Miles per $1 spent up to $10,000 per statement period
  • 1.25 Skywards Miles for every $1 spent on eligible international spending (uncapped)
  • 1.5 Skywards Miles for every $1 spent on airline tickets purchased via emirates.com

Working out whether this earn rate offers value to you obviously involves taking into account how much you pay to use the card. Weighing up the value of the rewards you receive against the annual fee you pay out is a good place to start. Happily, the Emirates Citi World Mastercard offers a discounted annual fee of $149 for the first year, helping you get more value from the card.

You may also choose to add up to four additional cardholders to the account, at no extra cost. With five cards being used day-to-day, you may find you rack up points faster, helping you gain more value from the card. However, bear in mind as the primary cardholder, you are responsible for all cardholder spending.

As long as you have provided Citi with your Emirates Skywards membership details, the points you earn will be credited directly to your account. Again, if you don’t provide those details within six months of account opening, any Skywards Miles you have earned will be forfeited.

At the end of your statement cycle, the total Skywards Miles earned from retail purchases during that month will be credited to your Emirates Skywards account within 15 days. Take note, Skywards Miles can only be transferred to your Emirates Skywards account at the end of your statement cycle.

Redeeming Points

The award-winning frequent flyer program from Emirates, Emirates Skywards, offers four tiers of membership: Blue, Silver, Gold and Platinum. Members can enjoy varying levels of exclusive privileges within each membership tier. In terms of redemption options, members can redeem their Skywards Miles on flights, hotels and tours, and on merchandise through The Emirates High Street.

Skywards Miles can be redeemed for flights with Emirates, and for international flights with other Emirates Skywards partners. You could opt for Classic Rewards to pay for the full cost of your Emirates flight with Skywards Miles, or choose Cash+Miles to pay for your Emirates flight using a combination of cash and Skywards Miles.

Alternatively, you could redeem your Skywards Miles to cover hotel stays and car rentals, or against activities with Emirates’ other leisure and lifestyle partners. Or, you could head to the High Street. The Emirates High Street allows Emirates Skywards members to use their Skywards Miles to purchase products and once-in-a-lifetime experiences, with delivery to 60 countries around the world.

This Card: As a Travel Rewards Card

As a frequent flyer card, the Emirates Citi World Mastercard offers cardholders valuable perks and privileges perfect for the frequent traveller, including lounge access, airport transfers, golf perks and insurance cover.

Lounge Access

Making long airport waits much more enjoyable, the Emirates Citi World Mastercard offers cardholders two complimentary lounge passes each year, providing access to any Emirates Lounge in Australia when flying Emirates. These passes will be made available to the cardholder each year upon payment of their annual fee.

Available to the primary cardholder only, passes can be used by the cardholder and a guest during one visit, or alternatively, by the cardholder alone on two separate trips. To access the lounge, the cardholder must have used their Emirates Citi World Mastercard to pay for the flight, and if bringing a guest, both the cardholder and guest must be departing on the same flight.

Airport Transfers

Another alluring feature for the world-weary traveller, the Emirates Citi World Mastercard provides one complimentary chauffeur-driven service per year to and from the airport, when flying Emirates. To be eligible for this service, the cardholder must use their card to book and pay for an Emirates long haul flight in Economy Class.

This is valid for the primary cardholder and one guest, from one pick-up point. There is a total luggage limit of one suitcase plus one carry-on bag per person. Certain kilometre restrictions for each capital city in Australia apply, and any travel which exceeds the kilometre cap will not be eligible for this service. Trans-Tasman flights, Emirates Skywards reward tickets, travel industry tickets and group bookings are also excluded.

World Golf Benefits

If you love golf, you’ll love this feature. With the Emirates Citi World Mastercard in your wallet, you will have access to some of the most illustrious golf properties in the world, allowing you to tee off on world-famous Tournament Players Club (TPC) courses, as well as receiving on-site perks at PGA Tour events.

Travel Insurance

Providing you peace of mind as you travel, the Emirates Citi World Mastercard offers a range of handy insurance covers.

  • International Travel Insurance: When you use your card to purchase overseas travel tickets for you and your family, you may be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
  • Transit Accident Insurance: By using your card to purchase overseas travel tickets for you and your family, you may may receive up to $500,000 should you sustain a fatal injury as a passenger while travelling.
  • Interstate Flight Inconvenience Insurance: Use your card to purchase your travel tickets and you may be covered for events like flight delays, cancellations, baggage delays and personal item damage.

This Card: Extras on Offer

Credit cards offered by Citibank often come equipped with lots of tempting extras. The Emirates Citi World Mastercard is no exception.

Free Wine When You Dine

Allowing you to enjoy a free bottle of wine when you dine at hundreds of participating restaurants and pay with your card, the Citibank Dining Program offers you the opportunity to save money on your dining experience, while sampling wine from award-winning wineries.

World Mastercard Exclusive Benefits

The Emirates Citi World Mastercard offers cardholders a range of Mastercard features, including access to travel, entertainment, dining and golf events and experiences exclusive to World Mastercard cardholders, and even more through Mastercard Priceless Cities.

Personal Concierge Service

Likely to come in handy if you’re short on time, the Emirates Citi World Mastercard offers a personal concierge service, available 24/7. This useful service can help you book travel, find tickets for concerts and events, or simply offer a recommendation on where to eat, wherever you happen to be in the world.

Retail Cover

Alongside its range of travel insurances, the Emirates Citi World Mastercard also provides cover for retail purchases.

  • Purchase Cover Insurance: If items purchased using your card are lost, stolen or damaged anywhere in the world within 90 days, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.
  • Extended Warranty Insurance: Typically extending the manufacturer's warranty period by up to 12 months, this insurance offers additional cover for items purchased using your card.
  • Guaranteed Pricing Scheme: Allowing you to receive a refund of the price difference on an item purchased using your card, when you buy in-store and then see the same product advertised at a lower price within 25kms. You can claim the difference as long as it is greater than $75, up to $500, and the product hasn't been purchased online.

This Card: The Essentials

Determining whether the Emirates Citi World Mastercard is right for you means looking at how much it will cost you, and the way in which you will use it. Happily, the card offers a discounted annual fee of $149 in the first year, but that fee doubles in size in the following year, costing cardholders $299 each year. Is the card still of value to you? You’d need to assess the value of the rewards and features you receive from the card to work that one out.

If you tend to carry a balance on your credit card, you may either want to change your ways, or opt for a card with a lower rate. However, if you clear your balance by the due date each month, you should be able to enjoy more value from the card. Similarly, it would probably be best to avoid cash advances to save on fees and that high cash advance rate.

To be eligible for the Emirates Citi World Mastercard, you must be 18 years or older and an Australian resident. You must also earn more than $75,000 a year. As mentioned previously, you must be an Emirates Skywards member, but that’s easy to achieve as joining is free and can be completed online in just a few minutes.

Decision Time

An excellent option for frequent Emirates travellers who tend to book with Emirates direct, the Emirates Citi World Mastercard offers a great earn rate on Emirates flights as well as everyday spending. As icing on the cake, the card provides up to 60,000 bonus Skywards Miles to new cardholders, alongside a host of features and extras, including lounge access and airport transfers.

Pros

  • Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles.
  • Half annual fee for the first year
  • 0% on balance transfers for 9 months
  • Two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates
  • One complimentary chauffeur-driven ride per year to and from the airport
  • Complimentary International Travel Insurance and Transit Accident Insurance

Cons

  • Balance transfer reverts to cash advance rate of 21.74% p.a.
  • Annual fee from the second year is $299
Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Question

Something you need to know about this card? Ask a our credit card expert a question.

12 questions (showing the latest 10 Q&As)

Paul

Paul

10 December 2018
The requirement to be an Emirates Gold tier member is 50,000 points - does this mean that when you receive the 50,000 bonus points from the Citi credit card you automatically qualify for Gold tier membership? And doesn't this mean you'd have unlimited lounge access?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2018
    Hi Paul, I assume that the bonus points are not counted towards the Emirates Gold tier. Otherwise this would be clearly stated with the product information. Unlimited lounge access would be great!
davidair

davidair

23 November 2018
do you have a travel insurance department if so what number do I need to call, al is there a phone number to ring an 0perator
david blair

david blair

19 November 2018
does this card have travel insurance built into it, if so does it have car rental excess as part of the policy
Mohd

Mohd

16 October 2018
Is there any card in Australia allow me to have unlimited lounge access!! the 0 annual fee MasterCard I had in Dubai was allowing me to get into any MasterCard lounge!!! Thanks in advance for your support.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 October 2018
    Hi Mohd, I hear you. In Australia it is not a common feature. Most cards, if they offer, only give you a few visits. I believe there is one card, the Citi Prestige. Though the annual fee on this card is very high. Though it does have up to 400,000 bonus points right now. I suggest if this is an important feature and the Prestige annual fee too high. Then look to a lounge access program like www.prioritypass.com.
YORK

YORK

28 February 2018
I'd like to apply this Emirates Citi World Mastercard which offers an interest of 0% on balance transfer for 9 months. I have a couple of questions:a, I have heard that balance transfers from a Citi credit card can be chequed to myself instead of transfering the credit balance to a financial institution. I'd like to know if this option applies to this Emirates credit card or not.b, if 'cheque to self' feature is available on this card, will I be charged for cash advance rates for the balance chequed to me? and is there any other fees involved for getting a cheque?c, in the future if I want to close this Mastercard account, providing the account balance is $0 at the time of closing, will I be charged for any cancellation fee or not?thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 March 2018
    Hi York, A. yes this is possible.The cheque to self amount would be charged at the balance transfer rate. After the intro period expires it would revert to the cash advance rate. There are no additional fees involved other than any stated with the offer. You can cancel a credit card at any time (with a $0 balance) without penalty.
jeremyhall

jeremyhall

18 February 2018
I wish to change my credit card no to mastecard 5xxxxxxxxxxxxxxx
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 February 2018
    Hi Jeremy, you will need to contact your credit card company customer service.
Ray Burgess

Ray Burgess

21 November 2017
Hi can I do a credit transfer balance from my New Zealand credit card ? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 November 2017
    Hi Ray, you can only transfer Australian debt to an Australian balance transfer credit card offer. So unfortunately that is a no.
MEAT TENDER PTY LTD

MEAT TENDER PTY LTD

25 May 2017
We are looking for a business card where we can accumulate all our skywards points on and Skywards said that you have this product
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 May 2017
    Hi Shirley, this is the only direct earn Emirates credit card in market but is only for personal use. There are a range of business cards whereby you can transfer points to the Skywards program. If you can use an AMEX then this Business Platinum Charge card with 100,000 bonus points has a great amount of features. You can transfer points to your Skywards account and have a range of other great travel features. There are a limited cards that link with the emirates program now.
denise

denise

6 March 2017
Very disappointed with Citibank changing rules ie. points capping, no BPay payments and still charging $299 etc, however I found the points needed for flights was great. (Melb-Athens return was around 110,000 economy and 320,000 business). Considering dropping this credit card now, what would you recommend, I spend approx $50000 per month and want to take advantage of points - Amex is not an option?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 March 2017
    Hi Denise, with that of spend an unlimited points earning card is needed. If you like the Emirates points then the Citi Prestige could be the answer. This is the card that I have myself and I like the flexibility of the Citi Rewards program that let's me transfer points to a range of airlines inc Emirates. Your standard earn 2 Citi points per dollar spent, though you can get up to 5 points for overseas purchases. I believe the current transfer rate is 2.5 Citi points per 1 Skyward Miles. Therefore its just under $1 per point on the transfer but uncapped. You would certainly be racking up a heap of points on that type of monthly spend. Let me know if this card does not suit.
Adrian

Adrian

8 December 2015
I require a CC, retail or businesss ( have an ABN), that does not have a cashout or cash advance facility, or one that can be activated or deactivated by the card holder. The card is intended for general purchases within Australia.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2015
    Hi Adrian, not many cards do not offer cash advances but I see from you next question that you could look at the AMEX essential
Deborah

Deborah

21 June 2015
Can you have an extra card on the account for spouse and is there a cost. Is this the only card available which gets emirates points, if not which other card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 June 2015
    Hi Deborah - you can have your spouse on the card at no additional cost. This is the only direct Emirates card that I am aware of, though a number of premium cards do have the option of transferring points in blocks. E.g. https://www.creditcard.com.au/citi-prestige/ - Emirates Skywards Miles: 2.5 Citibank reward points = 1 Skywards Mile. This card has 2 Citi points earn per dollar spent. Best of luck with your application.
sam

sam

12 May 2015
is there a cap on the maximum number of points you can earn in a year? and can i pay government fees on this card a nd recipe points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2015
    Hi Sam - there is a points cap of 150,000 annually which is pretty low. You would not be able to pay taxes and receive points from this.

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