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Emirates Credit Cards

Earn Skywards Miles on your everyday spending and get premium perks with an Emirates credit card.

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If you're saving up Emirates Skywards Miles for future reward flights or premium upgrades, a credit card gives you a way to earn miles per $1 spent on your shopping and other eligible spending. Some cards also offer introductory bonus points that can give your frequent flyer balance a big boost.

So if you want to earn Skywards Miles when you're on the ground, you can use this guide to compare a range of credit card options in Australia. We also go through the key details to consider so you can find an Emirates credit card that fits your goals.

Compare these Emirates Skywards credit cards

  1. Emirates Citi World Mastercard. Enjoy an introductory bonus point offer for up to 60,000 and earn up to 1.5 Skywards Miles per $1 spent.
  2. Citi Prestige. Get 100,000 Citi reward Points when you spend $7,500 or more on eligible purchases within the first 60 days. Transfer your points to your Emirates Skywards Miles account, with a conversion rate of 2.5 Citi Points to 1 Skywards Mile.
  3. American Express Platinum. This card offers up to 80,000 bonus Membership Rewards points and up to 2.25 Membership Rewards point per $1 spent, with a 2:1 conversion rate to Emirates Skywards Miles.

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

There are only a few Emirates credit card options in Australia. In fact, the Emirates Citi World Mastercard is the only one directly linked to the program. It earns between 0.5 and 1.5 Skywards Miles per $1 spent on eligible purchases and offers complimentary Emirates Lounge passes and a chauffeur service to and from the airport once a year when you're travelling with Emirates.

The other way to earn Skywards Miles through a credit card is to transfer reward points to your Skywards account. You can do this if you have a credit card that earns American Express Membership Rewards, Citi Rewards, Diners Club Rewards or Suncorp Rewards. With this option, your reward points will be converted to Skywards Miles at a set rate, which depends on the rewards program and the type of card.

Reward point transfer rates

To help you work out how many Emirates Skywards Miles you'll get with a reward credit card, we've created the following table that shows transfer rates for different credit card rewards programs. While these transfer rates are publicly listed on each provider's rewards program website, they can vary depending on your card. Where possible, we've included details for any different transfer rates within the same rewards program.

Credit card providerRewards programPoint transfer rate
American ExpressMembership Rewards
  • 2 Membership Rewards = 1 Emirates Skywards Miles
CitiCiti Rewards
  • Citi Rewards, Citi Premier: 3 Citi Rewards points = 1 Emirates Skywards Mile
  • Citi Prestige: 2.5 points = 1 Emirates Skywards Mile
Diners ClubDiners Club Rewards
  • 2.5 Diners Club Rewards points = 1 Emirates Skywards Mile
Suncorp BankSuncorp Rewards
  • 3 Suncorp Bank Rewards points = 1 Emirates Skywards Mile

If you get a credit card linked to one of these rewards programs, you can log in to your rewards account to see all the relevant point transfer details and requirements. This includes the exact point transfer rate that applies to your card, as well as minimum and maximum transfer amounts.

Credit cards that let you earn Emirates Skywards Miles

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
American Express Platinum Edge Credit Card
20.74% p.a.
$195
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year.
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How to compare Emirates credit cards

When you're looking for a credit card that earns Emirates Skywards Miles, it's important to weigh up the different features and costs so that you can find one that's right for you. Here, we go through some of the key details to think about.

Bonus points offers

Some frequent flyer credit cards offer thousands of introductory bonus points when you meet the offer requirements. Here are the key details to look out for:

  • Spend requirements. Once you're approved for a credit card with a bonus point offer, you usually need to spend a certain amount in a set period to get the points. For example, an offer might say you need to spend $3,000 in the first 3 months to earn the bonus points. Make sure that the offer's spend requirement fits with your budget and avoid spending just for the sake of earning points.
  • Eligibility. Most bonus point offers are only available to new customers. This means you usually can't get bonus points if you already have a credit card with the same provider, or if you've had one with that provider in the past 1-2 years.
  • Application deadline. Credit card bonus points offers are only available for a limited time, which means you need to apply before an offer's end date if you want to earn bonus points.
  • Transfer rate. For Emirates Skywards Miles specifically, you should check how many points you'd get by transferring bonus rewards points to your frequent flyer account. For example, if a card offered 100,000 bonus reward points and a Skywards Miles transfer rate of 3:1, you'd get around 33,333 Skywards Miles if you met the offer requirements and transferred those points.

Earn rate

The earn rate is how many points you get per $1 spent on eligible purchases. This rate has a big influence on the overall value of the credit card, which makes it important to look at the following details.

  • Emirates Skywards Miles per $1 spent. With most Emirates credit card options, you'll need to transfer points to Skywards Miles. You can use the transfer rate to work out the equivalent earn rate per $1 spent. For example, if a card earns 1 rewards point per $1 and a transfer rate of 2:1, the equivalent Skywards Miles earn rate would be 0.5 miles per $1 spent. The number of Skywards Miles you earn with a credit card ranges from 0.16 to 1.5 Skywards Miles per $1 spent. But the lowest earn rate would be 0.16 miles per $1 (if you had a card with a 3:1 point transfer rate and an earn rate of 0.5 points per $1).
  • Points caps and reduced earn rates. Some lenders reduce or cap the number of points you can earn each month up to a set spending limit. For example, the Emirates Citi World Mastercard earns 1 Skywards Mile per $1 on eligible purchases in Australia, up to $3,000 per statement period. It then earns 0.5 Skywards Miles per $1 spent for the remainder of the statement period, up to a total spend of $10,000 for that statement period. If you think you'll usually spend more than the points cap amount on a particular card, look for one that's uncapped or has a points cap that is higher than what you usually spend in a month.

What is an "eligible purchase"?

Most frequent flyer and rewards cards – including Emirates credit card options – earn points per $1 on your everyday spending including supermarket shopping, dining, petrol, online streaming subscriptions and general retail purchases. Transactions that don't earn points typically include cash advances, balance transfers, BPAY payments and account fees and charges. You can check the rewards program terms and conditions for full details, or contact the credit card provider to find out if a specific transaction will or won't earn points.

Rates and fees

The overall cost of a credit card has a huge impact on how much value you get from rewards (and other perks). This includes:

  • Annual fee. Standard annual fees for credit cards that offer Emirates Skywards Miles range from $120 to $700 or more. Some cards may also offer a reduced or $0 annual fee for the first year or for the life of the card. When you're comparing cards, make sure the cost of the annual fee doesn't cancel out the value of the Skywards Miles you think you'll earn from paying with the card each year.
  • Interest rates. Most reward and frequent flyer credit cards have high interest rates of around 19.99% p.a. to 20.99% p.a. for purchases. If you don't pay your balance off in full each month, interest charges could quickly offset the value you get from earning Skywards Miles. If you do pay off your credit card each month, most cards will offer you an interest-free period on your purchases. You can learn more about how it works in Finder's guide to interest-free days.
  • Introductory rates. Some cards offer introductory 0% p.a. interest rates for purchases or balance transfers. This gives you a way to save on interest costs in the short-term, but keep in mind that any balance left at the end of the introductory period will be charged interest when the 0% p.a. rate reverts to the standard rate.
  • Other fees. Check the international transaction fee if you think you'll shop with a lot of overseas retailers (including online), as this fee typically costs you 2–3% of each international transaction. It's also worth checking the card's cash advance charges, late payment fees and whether a rewards program fee applies.

Other benefits

Credit cards that offer Emirates Skywards Miles may also offer a range of other complimentary extras. Some common perks include:

  • Airport lounge access. Frequent flyer and rewards cards may offer you single-use lounge passes each year you have a card, membership to a service like Priority Pass or even a mix of lounge options so you can relax in style before a flight.
  • Airport transfers. A small selection of cards offer complimentary airport transfer services, including the Citi Prestige and the Emirates World Mastercard.
  • Complimentary travel insurance. Lots of premium credit cards offer complimentary international travel insurance when you pay for overseas trips using the card. Some cards also offer interstate flight inconvenience insurance, transit accident insurance or rental vehicle excess insurance. This Finder guide has more details on credit cards with complimentary travel insurance. As with any insurance, the eligibility, excess costs and claims processes vary. You should read the insurance booklet for full details of any cover.
  • Complimentary purchase insurance. This includes purchase protection insurance that covers the cost of damage or theft in the first 90 days you have an item, extended warranty cover that gives you a longer warranty period on eligible items, refund protection cover and price-guarantee schemes that cover the difference in costs if you buy something then find it cheaper somewhere else. Remember to read the insurance booklet for details of exactly how each type of cover works on a card.
  • Concierge service. A credit card concierge can help you save time on tasks such as booking restaurants, organising events, planning travel or even getting tickets to big events.
  • Hotel benefits. Some cards offer exclusive benefits with hotel partners. For example, you can get a fourth night free when you book a hotel through the Citi Prestige Concierge, while the American Express Platinum charge card offers complimentary Accor Plus membership valued at $399 per year.
  • Travel credit. There are a few credit cards that offer flights or travel credit each year. This can be a simple way to offset the cost of the annual fee – but only if you can actually make use of the credit.

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 and costs, so comparing several options will help you find a frequent flyer credit card that fits your budget and your goals.

Frequently asked questions about Emirates credit cards

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48 Responses

  1. Default Gravatar
    LindaSeptember 10, 2018

    I want to apply for a Skywards card as I am a frequent flyer. How do I apply? I want to use my points for my next flight in March on Emirates to Istanbul/Phuket/Dubai

    • Avatarfinder Customer Care
      JhezSeptember 10, 2018Staff

      Hello Linda,

      Thank you for your comment.

      According to Emirates, if you are an Emirates Skywards member already, there’s no need to have a physical card in order to enjoy all the benefits of membership. You can simply quote your membership number to continue to earn and redeem Miles. You also have an option to print a physical copy of your digital card by adding it to your Apple Wallet, or save it to your device’s photo or image library for quick access to your membership details.

      Use your Skywards Miles to book flights to any destination across their network, in any class.

      – Pay for the full cost of your ticket using your Skywards Miles
      – Start from 15,000 Skywards Miles
      – Saver and Flex Plus reward fares available. One-way rewards available on Flex Plus fares
      – Simply choose Classic Rewards to pay with Miles when you book online

      You may visit Emirates website for your redeeming needs.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    DoodlesJuly 20, 2018

    I have both HSBC and a Capital One cards which accrue points that supposedly can be used to book flights. Can either of these be used with Emirates? Thanks

    • Default Gravatar
      NikkiJuly 20, 2018

      Hi Doodles!

      Thanks for getting in touch.

      Unfortunately, you’re HSBC and Capital One credit cards don’t directly or indirectly earn Emirates rewards. Unfortunately, you cannot use the frequent flyer points that’s earn from your HSBC or Capital One cards.

      Hope this clarifies!

      Nikki

  3. 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

  4. Default Gravatar
    paulMarch 2, 2017

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

    • Avatarfinder Customer Care
      DeeMarch 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

  5. 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

    • Avatarfinder Customer Care
      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

  6. 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

    • Avatarfinder Customer Care
      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

  7. Default Gravatar
    TimJuly 22, 2016

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

    • Avatarfinder Customer Care
      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

  8. 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.

    • Avatarfinder Customer Care
      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

  9. Default Gravatar
    rossOctober 7, 2015

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

    • Avatarfinder Customer Care
      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

  10. Default Gravatar
    DanielaAugust 22, 2015

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

    • Avatarfinder Customer Care
      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

      I hope this helps.

      Cheers,

      Jonathan

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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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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