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Emirates Citi World Mastercard

Enjoy 60,000 bonus Skywards Miles as a new cardholder, luxury perks and a discounted $149 annual fee for the first year.

The Emirates Citi World Mastercard is the only Australian credit card directly linked to the Emirates Skywards frequent flyer program, allowing you to earn miles as you spend.

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Bonus points

21.49% p.a.

Purchase rate


Reward point

Per $ spent

$149 p.a.

Annual fee

for the first year ($299 p.a. thereafter)

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Product NameEmirates Citi World Mastercard
Rewards programEmirates Skyward Miles Program
Balance transfer rate p.a.0% for 9 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.21.49%
Annual fee$149 for the first year ($299 thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate22.24% p.a.
Min credit limit$15,000
Max credit limit$100,000
Card typeMastercard
Foreign currency conversion fee3.4%
Minimum income$75,000
Available to temporary residentsNo
Joint applicationNo


  • 60,000 bonus Skywards Miles
  • Discounted annual fee of $149 for the first year
  • 0% p.a. on balance transfers for the first 9 months, with no BT fee
  • Two complimentary lounge passes per year


  • The standard annual fee of $299 is high
  • The $3,000 spend cap before the lower earn rate kicks in is relatively low
Rewards programEmirates Skyward Miles Program
Bonus points60,000
Rewards points per $ spent1
Rewards points cap6,500
Annual fee$149 for the first year ($299 thereafter)
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3.4%
Cash advance fee3.5% or $3.50, whichever is greater
Overseas cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders4

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Emirates Citi World Mastercard is a premium frequent flyer card that earns between 1 and 1.5 Skywards Miles per $1 spent on eligible purchases. It also offers two complimentary lounge passes for Emirates Lounges in Australia, complimentary international travel insurance and interstate flight inconvenience insurance.

On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.

How to apply

You can apply for the Emirates Citi World Mastercard online in around 10 minutes. To get started, make sure you meet the eligibility criteria and have all the essential documents and details ready.

Eligibility criteria

  • Minimum income. You must earn at least $75,000 per year to apply for this card.
  • Eligible balance transfer debt. If you plan to take advantage of the balance transfer offer, you can transfer up to 80% of your card's available credit limit from accounts not issued under the Citi brand.

Card benefits

  • Bonus Skywards Miles. This card offers 60,000 bonus Skywards Miles when you apply and get approved by 31 October 2022 and make an eligible purchase within the first 90 days from card approval. The bonus miles will be credited to your account within 10 weeks after meeting the spend criteria.
  • Annual fee discount. Apply by 31 October 2022 and save $150 with a discounted annual fee of $149 for the first year ($299 thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $299 annual fee.
  • Interest rates. This card charges a purchase rate of 21.49% p.a. and a cash advance interest rate of 22.24% p.a.

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  1. Default Gravatar
    December 6, 2021

    I’m a PR resident but I don’t have an annual income or bank details as I’m a new comer, So is it possible to have emirates citi world mastercard?

    • Avatarfinder Customer Care
      December 8, 2021

      Hi Ahmed,

      The Emirates Citi World Mastercard requires you to have a minimum annual income of $75,000 to apply. As you are on a PR visa, most credit card issuers would still require you to have regular, Australian taxable income. Aside from that, some others will need you to have a specific amount of Australian dollars in an Australian bank account. Credit cards also set minimum income conditions like the Emirates Citi World Mastercard.

      However, you may want to check your options for credit cards that may accept non-resident or PR visa holders. As proof of income is an essential factor to be approved, it’s wise to check each of the eligibility requirements or criteria set by the card company before you apply.

      Hope this can help.


  2. Default Gravatar
    May 10, 2019

    Qantas premium frequent flyer seats are limited is the emirates ff program better?

    • Avatarfinder Customer Care
      May 11, 2019

      Hi Geoff,

      Thank you for reaching out.

      Each frequent flyer (ff) program differs on the rewards that you can get from it. You may compare Qantas FF and Skywards FF and check what do you think will be more beneficial for you. Consider which airline or airlines do you usually fly with, how many of the program partners do you already spend with, the cost and how often do you actually fly. By identifying such, you should be able to compare them and see what will best suit your preference and needs.

      You can head to our article on Frequent Flyer Comparison to help you on comparing your options and I hope that you will find it helpful.

      Kind Regards,

  3. Default Gravatar
    October 10, 2018

    Hi Joel,

    Thank you for your response. Just further to that, how long would I need to wait before I apply for an Emirates Citibank MasterCard Credit card before I would be entitled to any bonus points that they may be offering at the time?


    • Default Gravatar
      October 11, 2018

      Hi Jenny,

      Thanks for leaving a question on finder.

      As long as 6 months has passed from the day you cancelled your Emirates Citi World card, you can apply again for the same product and enjoy the bonus points.

      Please send me a message if you need anything else. :)


  4. Default Gravatar
    October 9, 2018

    I have held an Emirates Citibank Mastercard in the past. I cancelled it 6 months ago. If I apply for a new Emirates Citibank Mastercard will I be entitled to the bonus skyward miles?

    • Default Gravatar
      October 9, 2018

      Hi Jenny,

      Thanks for leaving a question on finder.

      You will not be eligible for the promotion if you have held an Emirates Credit Card in the past 6 months. Please note that you need to have $75,000 as your annual income to be qualified as well.

      Please send me a message if you need anything else. :)


  5. Default Gravatar
    January 22, 2018

    is there expiry time on Emirates points?

    • Default Gravatar
      January 23, 2018

      Hi Faran,

      Thanks for your question. Your Skywards Miles are valid for three years from the date of travel. Within the calendar year that Skywards Miles are due to expire, they will be removed from your account at the end of the month in which you were born.

      For example, if you earned Miles in June 2016 and your birthday is in August, these Miles will expire on 31st August 2019.


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