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Emirates Credit Cards

Compare credit cards that let you earn Emirates Skywards Miles for your everyday spending in Australia and overseas – with offers from Amex, Citi and more.

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Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate p.a. Annual fee
American Express Platinum Edge Credit Card
30,000
Membership Rewards
1
20.74%
$195
Get a $200 statement credit when you spend $200 at Amazon.com.au. Plus 30,000 bonus Membership Rewards.
American Express Explorer Credit Card
100,000
Membership Rewards
2
20.74%
$395
Get 100,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months. Plus, a $400 Travel Credit each year.
American Express Platinum Card
200,000
Membership Rewards Ascent Premium
2.25
0%
$1,450
Up to 200,000 bonus points (150k when you spend $5,000 in the first 3 months and 50k in year 2). Plus, a $450 Travel Credit each year.
American Express Business Card
N/A
Membership Rewards Ascent
1.5
0%
$109
ABN holders w/ $75,000 revenue. Up to 1.5 points/ $1 spent and extended cashflow with up to 51 days interest-free on business purchases.
American Express Platinum Business Card
300,000
Membership Rewards Ascent Premium
2.25
0%
$875 for the first year ($1,750 thereafter)
ABN holders w/ $75,000 revenue. Get 300,000 bonus Membership Rewards points when you spend $12,000 in the first 3 months. Plus, a first-year annual fee discount.
American Express Gold Business Card
100,000
Membership Rewards Ascent
1.5
0%
$169
ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months.
David Jones American Express Platinum Card
N/A
Membership Rewards
1
20.74%
$295
Receive $450 credit when you spend $1,500 outside David Jones within the first 3 months from card approval.
David Jones American Express Card
N/A
Membership Rewards
1
20.74%
$99
Receive $200 credit when you spend $1,500 outside David Jones within the first 3 months from card approval.
American Express Essential Credit Card
N/A
Membership Rewards Gateway
1.25
14.99%
$0
Get a $200 credit when you spend $1,500 on eligible purchases in the first 3 months. Plus, a $0 annual fee for life.
Citi Premier Card - Cashback Offer
N/A
Citi Rewards Program
1
21.49%
$150 for the first year ($300 thereafter)
Receive $600 cashback when you spend $2,000 through Apple Pay or Samsung Pay in the first 90 days. Plus, save with a $150 first-year annual fee discount.
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Compare up to 4 providers

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

There are only a few Emirates credit card options in Australia, giving you a way to earn Skywards Miles per $1 spent or points you can transfer to your frequent flyer account.

The Emirates Citi World Mastercard is the only card directly linked to the program. It earns between 0.5 and 1.5 Skywards Miles per $1 on eligible spending – plus Emirates Lounge passes and other perks.

You can also transfer reward points to your Emirates account if you have a credit card with 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.

Compare Emirates Skywards credit card offers

These credit cards all have competitive bonus point offers and earn Skywards Miles directly or through point transfers:

  1. Emirates Citi World Mastercard. Get an introductory 60,000 bonus Emirates Skywards Miles and earn up to 1.5 Skywards Miles per $1 spent.
  2. Citi Prestige. Get 200,000 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 200,000 bonus Membership Rewards points and 2.25 Membership Rewards points per $1 spent (except government spend), with a 2:1 conversion rate to Emirates Skywards Miles.

How to transfer credit card points to Emirates Skywards Miles

Each rewards program has its own steps for redeeming points, but it's usually along these lines:

  1. Log in to your credit card rewards program account.
  2. Choose the frequent flyer point transfer option from the selection of rewards (or search for Emirates Skywards Miles).
  3. Confirm the details and follow the prompts to transfer your points.

Reward point transfer rates

To help you compare the amount of Emirates Skywards Miles you'll get with a rewards credit card, this table shows the transfer rates that are publicly listed on the rewards program website. These rates can be different between cards, so where possible we've included these details.

Credit card providerRewards programPoint transfer rate
American ExpressMembership Rewards2 Membership Rewards = 1 Emirates Skywards Miles
CitiCiti Rewards3 Citi Rewards points = 1 Emirates Skywards Mile
Diners ClubDiners Club Rewards2.5 Diners Club Rewards points = 1 Emirates Skywards Mile
Suncorp BankSuncorp Rewards3 Suncorp Bank Rewards points = 1 Emirates Skywards Mile

For full details of transferring credit card points to your Emirates Skywards Miles account with any of these programs, log in to your rewards account.

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 are some of the key details to think about.

Bonus points offers

Introductory bonus points offers give you a way to get thousands of Skywards Miles on a new card when you meet the requirements. Key details to check include:

  • Spend requirements. You usually need to meet a spend requirement to get bonus points. For example, $3,000 in the first 3 months. 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.
  • Offer end date. These offers are only available for a limited time, which means you need to apply for the card before the offer ends to be eligible for bonus points.
  • Emirates Skywards Miles details. You'll need to add your Emirates frequent flyer membership number to your credit card account so you can earn Skywards Miles. If it's a rewards card that lets you transfer points, check how many Skywards Miles you'll get so you can decide if it's worth it.

Points or miles per $1 spent

Right now, you can earn between 0.16 to 1.5 Emirates Skywards Miles per $1 spent with a credit card in Australia. This is based on Skywards Miles earned directly or through point transfers from a rewards program.

For example, with a card that earns 1 rewards point per $1 and has a transfer rate of 2 points to 1 Skywards Mile, you'd get an equivalent 0.5 miles per $1 spent. And with a card that earns 0.5 points per $1 with a transfer rate of 3:1, you'd get 0.16 Skywards Miles 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 usually spend more than the points cap amount on a particular card, look for one that's uncapped or has a higher points cap.

What is an "eligible purchase"?

With an Emirates credit card, you'll typically 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. Check the rewards program terms and conditions for full details, or contact the credit card provider to find out if a 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. Credit cards that offer Emirates Skywards Miles have annual fees that range from $99 to $700 or more. Some cards also offer a reduced or $0 annual fee for the first year or for the life of the card. Ideally, the cost of the annual fee should be worth less than the value you get from your Skywards Miles and other card perks.
  • Interest rates. Emirates credit card interest rates are typically between 19% and 22%. This is similar to other rewards and frequent flyer cards but at the higher end of the scale for credit cards in Australia. So you'll usually get the most value out of the card if you can pay it off in full by the monthly due date and take advantage of interest-free days. A 0% interest rate offer can also help you save on charges during the introductory period.
  • 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

You can get more value from an Emirates credit card if it has perks you'll use. Some of the most popular 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.
  • 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.
  • Concierge services. 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.
  • Airport transfers. A small selection of cards offer complimentary airport transfer services, including the Citi Prestige and the Emirates World Mastercard.
  • 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.

Get more details on Emirates Skywards in Finder's full guide, or compare a wider range of frequent flyer credit card offers available now.

Frequently asked questions

Do I have to be an Emirates Skywards member to earn Skywards Miles through a credit card?

Yes, you'll need to be a member and provide your Emirates Skywards membership details before you can earn miles through a credit card. You can join the Emirates Skywards program for free online if you're not already a member.

Will earning Emirates Skywards Miles through a credit card stop my miles from expiring?

No. Emirates Skywards Miles expire 3 years after they are earned, and having a credit card won't change that. But Emirates Skywards may let you request a 12-month extension on your miles or reinstate them after they have expired. So if you're worried about your Skywards Miles expiring, contact Emirates to see what options are available.

Can I get an additional card and would it earn Skywards Miles as well?

Depending on the credit card you choose, you could request an additional cardholder for your account. They would then earn miles on eligible spending, which would be added to your Emirates Skywards account (as the primary cardholder). Note that some cards may charge a yearly additional cardholder fee for this option and you would still be responsible for paying off the balance on your Emirates credit card account.

How do I make use of the chauffeur-driven transfer with the Emirates Citi World Mastercard?

Pay for your Emirates flight using your Emirates Citi World Mastercard, then make your booking with the Emirates reservation office at least 72 hours before the flight's departure. Note that mileage restrictions may apply, and the maximum capacity per car is two adults, two suitcases and two carry-on bags. 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.

Can I use my Skywards Miles to redeem flights other than with Emirates?

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

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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

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