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.
- 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.
- Citi Prestige. Get 150,000 Citi reward Points when you spend $5,000 or more on eligible purchases within the first 90 days.
- American Express Platinum. This card offers up to 80,000 bonus Membership Rewards points and up to 1 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
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
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:
- 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.