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Emirates Credit Cards

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 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 100,000 Citi reward Points when you spend $7,500 or more on eligible purchases within the first 60 days.
  3. American Express Platinum. This card offers up to 80,000 bonus Membership Rewards points and up to 1 Membership Rewards point 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 cardscouple card

The 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 $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

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
American Express Platinum Edge Credit Card
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus up to 3 Membership Rewards Points / $1.

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

How to compare Emirates credit cards

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

  • 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 $1,450 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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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.


  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!


  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.


  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.


  5. Default Gravatar
    GeeOctober 18, 2016

    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.

    • 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.


  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?


    • 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.


  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.


  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, 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.


  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.



  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.



Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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