Emirates Credit Cards

Boost your Emirates Skywards balance with up to 50,000 bonus points, earn frequent flyer miles per $1 spent and enjoy premium travel perks with an Emirates credit card.

If you're an Emirates Skywards frequent flyer in Australia, you can get a credit card that lets you earn Skywards Miles directly as you spend or one that allows you to convert your rewards points into Skywards Miles. As well as rewarding you for your everyday spending, Emirates cards may offer other benefits such as airport lounge access, complimentary insurance covers and additional cards.

Depending on the card you choose, you could also enjoy up to 50,000 bonus points on signup. Here, you can compare Emirates credit cards and introductory offers to find an option that suits your budget and your needs.

Emirates Citi World Mastercard

Emirates Credit Card Offer

Get bonus points and enjoy up to 10% off Emirates flights, earn Skywards Miles for every $1 spent and a discounted annual fee of $149 for the first year.

  • $149 p.a. annual fee for the first year ($299 p.a. thereafter) annual fee
  • 20.99% p.a. on purchases
  • 0% p.a. for 9 months on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $75,000 p.a.

Comparison of Emirates Credit Cards

Rates last updated May 23rd, 2017.

Emirates Citi World Mastercard

40k bonus points offer extended until 30 June 2017 + 10k bonus points if you meet the minimum spend

December 19th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Emirates Citi World Mastercard
Earn up to 1.5 Skywards Miles for every $1 spent and indulge in carefully curated local and global experiences.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info

What types of credit cards offer Emirates Skywards Miles?

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

Direct earn 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, complimentary travel insurance and purchase insurance covers, a gold membership upgrade for the Starwood Preferred Guest loyalty program and exclusive offers and experiences through World Mastercard.

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

Indirect earn 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 3 Citi Rewards points for 1 Skywards Mile.

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

Comparison of credit cards that earn Emirates Skywards Miles indirectly

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Platinum Card
Earn up to 3 Membership Rewards Points per $1 spent and receive complimentary access for you and a guest to over 1,000 VIP Lounges.
$1,200 p.a. Go to site More info
David Jones American Express
Earn up to 3 Membership Rewards Points per $1 spent and receive a range of in-store benefits at David Jones.
20.74% p.a. $99 p.a. Go to site More info
David Jones American Express Platinum Card
Earn 4 Reward Points per $1 spent at David Jones and receive invitations to exclusive Season Launch Parades, fashion events and more.
20.74% p.a. $295 p.a. Go to site More info

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 amount 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 consider 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 for 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

Applying for an Emirates credit card is easy and takes around 15 minutes online. 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 year old.
  • Residency status. You must be an Australian citizen or permanent resident to apply.
  • Income. The income requirement for each card differs, so please check each credit card page for its specific income requirement.

If you meet these requirements, you can apply online by filling out a secure form. You will be asked to provide personal information including your name, address and identification details, employment and financial details. Most online credit card applications will provide you with an outcome within minutes of submitting your form.

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 make sure you compare several options so you can apply for a card that fits your budget and your needs.

Frequently asked questions about Emirates credit cards

Yes, you do. 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. Joining the Emirates Skywards program is simple, and you don’t have to pay a fee.

Depending on the credit card you choose, you could be able to 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 keeping the account in good standing.

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.

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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42 Responses to Emirates Credit Cards

  1. Default Gravatar
    paul | March 2, 2017

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

    • Staff
      Anndy | March 2, 2017

      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

  2. Default Gravatar
    Gee | October 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
      Ysa | October 22, 2016

      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

  3. Default Gravatar
    AJ | August 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
      May | September 2, 2016

      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

  4. Default Gravatar
    Tim | July 22, 2016

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

    • Staff
      May | August 2, 2016

      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

  5. Default Gravatar
    denise | March 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
      Debbie | March 22, 2016

      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

  6. Default Gravatar
    ross | October 7, 2015

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

    • Staff
      Sally | October 8, 2015

      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

  7. Default Gravatar
    Daniela | August 22, 2015

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

    • Staff
      Jonathan | August 24, 2015

      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

  8. Default Gravatar
    mez | August 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
      Jonathan | August 18, 2015

      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

  9. Default Gravatar
    Flyu | August 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
      Jonathan | August 6, 2015

      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

  10. Default Gravatar
    Mark | June 9, 2015

    Can I link my credit card to a bank account of another bank, I.e. not Citibank?

    • Staff
      Jonathan | June 10, 2015

      Hi Mark, thanks for your inquiry!

      Direct debit payments to a credit card of another bank are eligible. The bank account does not have to be from the same bank/ issuer.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Take advantage of 0% p.a. for 18 months on balance transfers with a 1.5% BT fee. Plus, receive an exclusive $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
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) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* 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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