Emirates Skywards logo

Emirates Credit Cards

Earn Skywards Miles per $1 spent and enjoy premium travel benefits with an Emirates credit card.

If you're a frequent flyer with Emirates or any of the airline's partners, a credit card that earns Skywards Miles could help you get reward flights and upgrades faster. As well as earning points for your everyday spending, some cards offer you other travel benefits such as airport lounge access and complimentary insurance. Depending on the card you choose, you could also enjoy up to 60,000 bonus points as a new cardholder.

Here, you can compare Emirates credit cards available in Australia and learn about the range of cards that let you convert points to the Emirates Skywards program. We also go through the key features to consider and answer frequently asked questions so that you can find a card that's right for your needs.

Emirates Citi World Mastercard

Receive up to 60,000 bonus Skywards Miles

Offer ends 31 December 2017

Eligibility criteria, terms and conditions, fees and charges apply

Emirates Credit Card Offer

Get up to 60,000 bonus Skywards Miles and earn Skywards Miles for every $1 spent. Plus, enjoy a discounted annual fee of $149 for the first year.

  • $149 p.a. annual fee for the first year ($299 p.a. thereafter).
  • 20.99% p.a. on purchases
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $75,000 p.a.
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Rates last updated December 11th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Emirates Citi World Mastercard
20.99% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in curated local and global experiences. Plus, a discounted first year annual fee.

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Emirates Skywards credit cards trending now

Compare the earn rates and bonus point offers of these credit cards linked to the Emirates frequent flyer program.

  1. Emirates Citi World Mastercard. Enjoy an introductory bonus point offer of up to 60,000 and earn up to 1.5 Skywards Miles per $1 spent.
  2. Citi Prestige. Get a bonus 150,000 rewards points (converts to 50,000 Skywards Miles) when you apply by 31 January 2018 and meet the spend requirements. Plus earn points per $1 spent.
  3. American Express Platinum. Offers an introductory 80,000 bonus Membership Rewards points and up to Earn up to 3 Membership Rewards per $1 spent, with a 1:1 conversion rate to Emirates Skywards Miles.

How can I earn Emirates Skywards Miles with a credit card?

There are two ways you can get Emirates rewards with a credit card in Australia, with some options earning Skywards Miles directly as you spend and others letting you transfer your credit card rewards points into Skywards Miles.

Direct earn Emirates credit cards

couple-card250x250The Emirates Citi World Mastercard is linked directly to your frequent flyer account and earns 1 Skywards Mile for every $1 spent on eligible domestic purchases up to $3,000 per statement period, and then 0.5 Skywards Mile per $1 spent up to $10,000 in that period. It also earns 1.25 Skywards Miles per AUD$1 spent on eligible international purchases and 1.5 Skywards Miles per AUD$1 spent on airline tickets purchased online at the Emirates website.

Other perks you can enjoy with this card include complimentary Emirates Lounge passes, a chauffeur service to and from the airport once a year, complimentary travel insurance and purchase insurance covers. You can also enjoy exclusive offers and experiences through World Mastercard.

Indirect earn Emirates credit cards

Another way to earn Emirates Skywards Miles for your spending is to get a rewards credit card that allows you to convert your points to Skywards Miles. For example, the American Express Explorer lets you transfer a minimum of 2,000 Membership Rewards points for 1,500 Skywards Miles. Currently, you can transfer points to your Skywards frequent flyer account if you have a credit card that earns American Express Membership Rewards, Diners Club Rewards or Citi Rewards.

Compare credit cards that earn Emirates Skywards Miles indirectly

Rates last updated December 11th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Essential Credit Card
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance. Plus, a 12 month balance transfer offer.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
American Express Platinum Card
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges.
Citi Prestige Card
20.99% p.a.
0% p.a. for 6 months
$700 p.a.
Earn 150,000 bonus Points and 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with Priority Pass.
David Jones American Express
20.74% p.a.
$99 p.a.
Receive 20,000 bonus points, David Jones benefits including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
David Jones American Express Platinum Card
20.74% p.a.
$295 p.a.
Receive 40,000 bonus points, invitations to exclusive Season Launch Parades, complimentary priority delivery and personal shopping perks.

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Here's how to convert your credit card rewards points to frequent flyer miles

How to compare Emirates credit cards

smiling-cardholder-250x250Weigh up the following features when you compare Emirates credit cards so that you can find one that's right for you:

  • Sign-up offers. Introductory benefits such as bonus points, 0% interest rates or reduced annual fees for the first year add value to the card when you first get it. But it's important to also consider the ongoing features if you’re planning to use the card beyond the promotional period.
  • Earn rate. Look at the number of points per $1 spent and your average spending to help you work out the value of a card. Remember to also consider the conversion rate if you're looking at cards that let you transfer rewards points to Skywards Miles.
  • Interest rate. Pay attention to the rate of interest charged for purchases if you think you'll carry a balance on your credit card, because interest fees can snowball and lead to more debt over time. If you habitually pay off your monthly balances, interest rates may not be such a major factor.
  • Annual fee. The annual fees for Emirates cards range from $0 p.a. for the American Express Essential Credit Card to $1,200 p.a. for the American Express Platinum Card. Make sure that these costs don’t outweigh the value you get from your rewards by considering your average spending and the amount of Emirates Skywards Miles that will give you each month and year.

What else should I consider when comparing Emirates credit cards?

When you're looking at different Emirates cards, make sure you also look at the following features:

  • Cash advance rate. This interest rate is usually higher than the card's purchase rate and will apply when you use your credit card to get cash out at an ATM, buy foreign currency or for any other cash advance transaction. Note a cash advance fee of around 2-4% will also apply to these transactions.
  • International transaction fee. If you plan to use your credit card overseas, be aware that foreign transaction fees usually apply. While most cards charge a fee of around 3% of the total transaction, the Emirates Citi World Mastercard charges 3.4%, which could quickly add up for foreign spending.
  • Other fees. There are some other miscellaneous fees that you should take note of when choosing a card, including late payment fees, over limit and dishonour fees, as well as cash advance fees and other transactional fees. Similar to the annual fee, consider how you usually use your card to make sure these costs don’t offset the value of the rewards.
  • Complimentary extras. Depending on the card you choose, you could get access to perks including complimentary insurance, airport lounge access, travel credit and personal concierge services. While these extras can add value to the card, make sure you consider whether or not you'll use them to decide if they're worth it for you.

How to apply for an Emirates credit card

You can apply for an Emirates credit card online in around 15 minutes. Once you've chosen your card, make sure you meet the eligibility requirements, which usually include:

  • Age. The general age requirement for these credit cards is 18 years old.
  • Residency status. You must be an Australian citizen or permanent resident to apply.
  • Income. Some credit cards require you to earn a specific amount of money before you're eligible to apply. Be sure to check the "Application Requirements" for these details.

If you meet the requirements for your chosen card, you can apply online by filling out a secure form. To speed up this process, make sure you meet the following requirements:

  • Personal details. You will be asked to provide personal information including your name, address and identification details such as your driver's licence number.
  • Employment information. This includes your current position and salary, as well as your employer's contact details. You may also need to provide several recent payslips to confirm these details.
  • Other financial details. You'll need to provide details of any assets you have, such as properties, investments or savings, as well as debts such as existing loans or cards. You'll also need to provide an estimate of your regular household spending on essentials such as groceries and utility bills.

Emirates credit cards give you an easy way to earn more Skywards Miles for your everyday spending. These cards often include many other benefits as well as rates and fees, so comparing several options will help you find a frequent flyer credit card that fits your budget and your needs.

Frequently asked questions about Emirates credit cards

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44 Responses

  1. Default Gravatar
    SharonJune 22, 2017

    I have booked an Emirates flight with my Emirates credit card. However, I booked it through a travel company as it was much cheaper at the time. Can I access the chauffeur service? We have been Skywards members for a long time, and I use my Emirates card all the time. Thanks!

    • Default Gravatar
      JonathanJune 23, 2017

      Hi Sharon!

      As per Emirates Chauffeur-drive Terms and Conditions:
      – Some special fare itineraries may have restrictions on the Chauffeur-drive service. Please check at the time of booking your flights.

      You can contact Emirates Customer Service to confirm your eligibility for this particular travel.

      Hope this clarifies.

      Cheers,
      Jonathan

  2. Default Gravatar
    paulMarch 2, 2017

    Can i apply for a card if i live in Austria ?

    • Staff
      AnndyMarch 2, 2017Staff

      Hi Paul,

      Thanks for your question.

      Unfortunately, the credit cards that we feature on our website are only available to Australian residents. You may try getting one from a financial institution in your country.

      Cheers,
      Anndy

  3. Default Gravatar
    GeeOctober 18, 2016

    Hi
    Currently have a citi emirates card and would like to change but stay with emirates. The reason i want to change is that the citi card charges 2% on transactions made overseas which is disappointing. Can you recommend another card which does not charge these type of fees.
    regards
    Gee

    • Staff
      YsaOctober 22, 2016Staff

      Hi Gee,

      Thanks for reaching out and I’m sorry to hear about your experience.

      You may wish to look at our 0% Foreign Fees Credit Cards comparison page to help you decide and find one that suits you. Please take note of the eligibility criteria at the bottom of each credit card’s review page, as each submitted application will appear on your credit history.

      I hope this helps.

      Cheers,
      Ysa

  4. Default Gravatar
    AJAugust 18, 2016

    Hi there

    Im a new zealand resident and a loyal customer of the Skywards program. I wish to take advantage of the citibank Emirates credit card benefits. Am i eligible to apply for the card being a new zealand resident?

    Cheers

    • Staff
      MaySeptember 2, 2016Staff

      Hi AJ,

      Thanks for your inquiry.

      Unfortunately, only Australian citizens or permanent Australian residents are eligible to apply for the Emirates Citi World MasterCard.

      Cheers,
      May

  5. Default Gravatar
    TimJuly 22, 2016

    Is Emirates/Citi still offering the free 40,000 miles with this credit card?

    • Staff
      MayAugust 2, 2016Staff

      Hi Tim,

      Thanks for your inquiry.

      At the moment, Citibank does not offer bonus mile/points for their Citi Emirates credit card. Currently, they offer up to 10% off on Emirates flights when you use your new Emirates Citi World Card for flights from Australia to select locations and when you book before 31 December 2016.

      Cheers,
      May

  6. Default Gravatar
    deniseMarch 18, 2016

    As of March 18 2016 Citibank has changed their points structure from $1= 1 mile uncapped to
    1 mile = 1 mile up to $3000 spend per month, then .5 point per spend from $3000 to $10000, then no miles earnt after this
    as well as
    no miles earn on BPay payments.
    This is disgraceful, considering that my husband & I pay $299 each for this ‘loyalty program’ and we spent big and loved flying Emirates.
    Can you recommend another card which offers the same type of loyalty as Citibank once did, as I will be closing my account down and am sad not be flying with Emirates.

    • Staff
      DebbieMarch 22, 2016Staff

      Hi Denise,

      Thanks for your inquiry.

      We are sorry to hear that. However, please note that you’ve come through finder.com.au, an online comparison service and we are not in the position to recommend specific product or issuer as we can only provide general information for credit cards.

      To compare other options, kindly refer to our frequent flyer comparison page.

      I hope this helps.

      Cheers,
      Debbie

  7. Default Gravatar
    rossOctober 7, 2015

    I am in Australia, other than Citibank is there any other banks which are Cards tied to Emirates?

    • Staff
      SallyOctober 8, 2015Staff

      Hi Ross,

      Thanks for your question.

      No, the Citibank card is the only Australian credit card that currently offers a direct link to the Emirates Skywards frequent flyer program.

      You can compare other frequent flyer credit cards here.

      I hope this has helped.

      Thanks,

      Sally

  8. Default Gravatar
    DanielaAugust 22, 2015

    If I spend 1 Australian dollar on a Platinum Edge card does it covert to 1 emirates skyward point?

    • Staff
      JonathanAugust 24, 2015Staff

      Hi Daniela,

      Thanks for your inquiry.
      Currently the conversion is 4 Membership Rewards points = 3 Skywards Miles.
      Kindly refer on this page on how to earn more Emirates Skywards Miles points.
      I hope this helps.

      Cheers,

      Jonathan

  9. Default Gravatar
    mezAugust 15, 2015

    i live in US, is there a US CC linked to Emirates? I don’t have Amex so can’t really use Amex membership rewards points.

    Will this card (Emirates Citi World Mastercard) be a good idea in my case? FYI, I make one trip to South Asia from US once a year by emirates and looking for ways to reduce all future emirates airfare. Skywards miles are NOT easy to earn :(

    Thank you!

    • Staff
      JonathanAugust 18, 2015Staff

      Hi Mez, thanks for your inquiry!

      US credit cards partnered and co-branded with Emirates include the following banks; Citibank, Emirates Islamic Bank, Emirates NBD, MBNA. A good way to find out whether a particular rewards card is good for you is calculating the breakeven cost of the card which is the amount you need to spend in order to regain the cost of the annual fee. Please refer to the following link for finding out whether your frequent flyer card is worth it.

      Cheers,

      Jonathan

  10. Default Gravatar
    FlyuAugust 6, 2015

    Hi
    I live in the U.S. and work in Saudi Arabia. I have a SABB bank account, is there any Saudi CC that are linked with Emirates

    • Staff
      JonathanAugust 6, 2015Staff

      Hi Flyu, thanks for your inquiry!

      At this point of time our comparison service for credit cards is on the Australian and U.S. credit card products. You may like to contact Emirates directly to inquire further about the eligibility with Saudi credit cards.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated December 11th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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