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Emirates Credit Cards

Get more Emirates Skywards rewards with up to 60,000 bonus points, frequent flyer miles per $1 spent and premium travel perks on an Emirates credit card.

If you're an Emirates Skywards frequent flyer in Australia, you can get a credit card that earns Skywards Miles per $1 spent or one that allows you to convert your rewards points into Skywards Miles. As well as earning rewards for your everyday spending, Emirates credit cards may offer other benefits such as airport lounge access, complimentary insurance and concierge services. Depending on the card you choose, you could also enjoy up to 60,000 bonus points on signup.

Use this guide to compare Emirates credit cards and introductory offers to find an option that suits your budget and 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 October 18th, 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 carefully curated local and global experiences.

Compare up to 4 providers

What types of credit cards offer Emirates Skywards Miles?

couple-card250x250Depending on the credit card you choose, you could either earn Skywards Miles directly as you spend, or convert accumulated rewards points into Skywards Miles with an indirect earn credit card.

Direct earn Emirates credit cards

The Emirates Citi World Mastercard is currently the only credit card in Australia that earns Skywards Miles directly. With this card, you get 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. You also earn 1.25 Skywards Miles for every $1 AUD spent on eligible international purchases and 1.5 Skywards Miles for every $1 AUD 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.

Read our review and apply for the Emirates Citi World Mastercard here

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. Currently, you can do this with cards linked to the following programs:

  • American Express Membership Rewards. Convert 4 Membership Rewards points to 3 Skywards Miles, with a minimum transfer of 2,000 Membership Rewards.
  • Diners Club Rewards. Get a Diners Club charge card and you could transfer 2.5 reward points for 1 Skywards Mile.
  • Citi Rewards. Choose a Citi credit card linked to this program and you can convert 2.5 Citi Rewards points for 1 Skywards Mile. A 20,000 point minimum transfer applies.

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

Compare credit cards that earn Emirates Skywards Miles indirectly

Rates last updated October 18th, 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.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
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 $200 Travel Credit every year and complimentary domestic and international travel insurance.
American Express Platinum Card
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
David Jones American Express
20.74% p.a.
$99 p.a.
Receive benefits through David Jones 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 invitations to exclusive Season Launch Parades and fashion events, complimentary priority delivery and personal shopping perks.
David Jones American Express Platinum Card - Qantas Frequent Flyer
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

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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

Yes, you do. Joining the Emirates Skywards program is simple, and you don’t have to pay a fee. For direct earn credit cards, the miles you earn will be automatically credited to your linked Skywards account. For indirect earn credit cards, you will be required to provide your Emirates Skywards frequent flyer account details and submit a request to convert your points.

Depending on the credit card you choose, you could request an additional cardholder for your account. The additional cardholder would then be able to earn miles for your frequent flyer account when they used the card. Note that some cards may charge an annual additional cardholder fee for this option and you would still be responsible for paying off the balance on your Emirates credit card account.

You earn Skywards Miles when you use your credit card to make eligible purchases in Australia and overseas. Your miles earn rate depends on the card you’re using and what you’re purchasing, with some credit cards even offering different earn rates for different types of purchases. Note that most credit cards won't earn Emirates Skywards Miles or other reward points for the following types of transactions:

  • Cash advances
  • Account fees and interest charges
  • BPAY payments
  • Utilities
  • Gambling
  • Balance transfers
  • Government payments, including those made to the Australian Taxation Office

Check the reward terms and conditions for your credit card to see which transactions will and won't earn points.

You can use your accumulated miles for flight upgrades, or redeem them for a variety of store products and travel-related services including car rental and hotel accommodations. You can also put the miles towards popular sporting and cultural events, or even donate them to a charity.

Purchase your Emirates flight ticket using your Emirates Citi World Mastercard, then make your booking with the Emirates reservation office a minimum of 72 hours prior to departure. Mileage restrictions may apply, and the maximum capacity per car is two adults, two suitcases and one carry-on bag. Extra charges may apply if a larger car or infant car seat is requested. This service is only available if you fly on a Emirates-operated flight number and aircraft, and excludes Trans-Tasman flights, Skywards Miles redemption tickets, travel industry tickets and group bookings. See the Emirates Citi World Mastercard webpage for more details.

Yes, you can use your Skywards Miles towards eligible flight with Emirates partner airlines. These include Air Mauritius, Alaska Airlines, easyJet, Japan Airlines, Jet Airways, JetBlue, Jetstar, Korean Air, Malaysia Airlines, Qantas, S7 Airlines, South African Airways, TAP Portugal and Virgin America.

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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!

    • Staff
      JonathanJune 23, 2017Staff

      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 October 18th, 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 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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