Emirates Citi World MasterCard Review

Information verified correct on December 11th, 2016
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Receive 40,000 bonus Skywards Miles on your first spend and enjoy up to 10% off Emirates fares from Australia to selected destinations.

The Emirates Citi World MasterCard comes linked to the Emirates Skywards frequent flyer program and if you’re not already a member, you can become one for free. You'll receive 40,000 bonus points when apply before 15 December 2016, are approved and spend on your card within the first 90 days of card approval. Plus, you can get a discount of up to 10% on Emirates flights from Australia to selected destinations on the Emirates network.

Cardholders receive various travel and purchase insurance covers for free, and they can also look forward to various travel benefits.

Product NameEmirates Citi World MasterCard
Rewards ProgramEmirates Skyward Miles Program
Balance transfer rate (p.a.)0% p.a. for 9 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)20.99% p.a.
Offer end date15 December 2016
Annual fee$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Minimum Monthly Repayment2% or $30 (whichever is greater)
Minimum Income$75,000
Card TypeMasterCard
Late Payment Fee$10
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$100,000
Annual Fee$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Minimum Repayment2% or $30 (whichever is greater)
Late Payment Fee$10
Over Limit Fee$0
Cash Advance Fee3.5% of transaction amount
Overseas Cash Advance Fee$5
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders4
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Receive 40,000 bonus Skywards Miles if you apply before 15 December 2016, are approved and spend on your card within the first 90 days of approval.
  • Enjoy up to 10% off Emirates flights when you spend by 24 January 2017 and book your ticket by 28 February 2017.
  • Pay a discounted annual fee of $149 in the first year.
  • 0% p.a. for the first 9 months on balance transfers
  • Earn up to 1.5 Skywards Miles for every Australian dollar spent at emirates.com on eligible purchases.
  • Access to a hoard of credit, with credit limits of up to $100,000 for those who need quick funding.

Cons

  • This card is not for everyone. An annual fee of $299 means you will have to do some serious travelling in order to make this product cost effective.
  • It is a Platinum status credit card, which typically requires good credit and a minimum annual earnings requirement for application approval. In this case, good credit and $75,000 minimum annual earnings are required.
Rewards ProgramEmirates Skyward Miles Program
Bonus Points on Sign-up40,000
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) Cap10,000
Rewards Points per $ (AMEX) CapN/A
Points Expiry36 months

Emirates Citi World MasterCard review

If you’re looking for a credit card that comes linked to the Emirates Skywards frequent flyer program and also offers a promotional balance transfer rate, this Citibank credit card could be a valuable option. This is because its promotional 0% p.a. balance transfer rate stays in place for the first 9 months.

This card can also work well for individuals who travel internationally from time to time, given its range of travel benefits. They can also make use of various complimentary insurance covers in a host of situations.

Benefits of the Emirates Citi World MasterCard

  • Bonus Skywards Miles. If you apply for the card before 15 December 2016 and make a purchase within the first 90 days from card approval, you can receive 40,000 bonus points. You can expect your points to be credited to your account within 6-8 weeks after meeting the spend criteria. Balance transfers, special promotions, and cash advances do not qualify towards the spend criteria.
  • Flight discounts. Receive up to 10% off on Emirates flights from Australia to selected locations including Dubai, Europe, Asia, South Africa, India, North America, South America or New Zealand. All you need to do is spend on your new Emirates Card by and book using your card before 28 February 2017.
  • Rewards program. You earn 1.5 Skywards Miles for every dollar spent on airline tickets through emirates.com. This includes flights booked onboard its partner airlines like Alaska Airlines, Japan Airlines, Jet Airways, Jetstar, Qantas, and Virgin America. You also earn 1.25 Miles for every dollar spent overseas, and every dollar you spend within Australia earns 1 Mile (up to $3,000 per month), and 0.5 Skywards Miles per $1 spent thereafter (up to $10,000 per statement period), making an annual cap of 120,000 points.
    While you can redeem your Miles for flights onboard Emirates and its partner airlines, you can also redeem them through Emirates’ car hire, hospitality, lifestyle, retail, and finance partners.
  • Eligible for Samsung Pay. With Samsung Pay, you can easily make payments when you shop just by tapping your qualifying Samsung device on a contactless terminal. Learn more here.
  • Complimentary insurance covers. When you use this card to pay for travel you can make use of complimentary international travel insurance, transit accident insurance, and interstate flight inconvenience insurance. Purchases you make using this card receive protection through guaranteed pricing scheme, purchase cover insurance, and extended warranty insurance.
  • World Golf benefits. Cardholders can access some of the most sought after golf courses the world over. You can look forward to playing on renowned Tournament Players Club (TPC) courses, and you can even expect perks when you’re watching PGA Tour events.
  • Other benefits. Cardholders get two complimentary lounge passes for Emirates Lounges in Australia, which they can access when flying Emirates. They can also make use of a complimentary chauffeur-driven service once every year, when they fly Emirates.

Features of the Emirates Citi World MasterCard

  • Annual fee. Pay a discounted annual fee of $149 for the first year and $299 p.a. thereafter.
  • Interest-free days. This card offers up to 55 interest-free days on purchases, which you can take advantage of by paying your account’s closing balance in full each month.
  • Starwood Preferred Guest Gold membership upgrade. Once you spend a night at any select Starwood Hotel or Resort in the Asia Pacific, you can look forward to room upgrades as well as a number of other benefits.
  • Citibank Dining Program. You get access to the Citibank Dining Program, and each time you dine through this program you get free wine.
  • Concierge service. Access round-the-clock global concierge service, which you can turn to for reserving tables at restaurants, booking flight tickets, delivering gifts, arranging business meetings, and more.
  • Balance transfers. This card charges no interest on transferred balances for the first 9 months. Any outstanding balance at the end of this period starts attracting the card’s cash advance rate. You cannot transfer more than 80% of your card’s credit limit.

How to apply for the Emirates Citi World MasterCard

You can apply for the Emirates Citi World MasterCard online, and to begin now, simply fill in your details on the secure online application form. However, before you apply, establish if you meet the following eligibility criteria.

Eligibility criteria

  • You’re over 18 years of age.
  • You’re an Australian resident.
  • You earn $75,000 or more each year.
  • You have good credit history.

Required documents

  • Your complete name, date of birth, nationality, marital status, and mother’s maiden name
  • Your residential status, residential address, phone number, and email address
  • Your employer’s name and contact details
  • Details about your income and expenses
  • Details about your assets and liabilities

Getting the Emirates Citi World MasterCard can be a good idea if you travel overseas regularly. This is not only because of its travel benefits, but also because you earn Miles sooner when you spend overseas. Don’t forget, though, that other credit cards offer similar features and benefits, so compare a few before applying.

Frequently asked questions

How quickly can I apply?

The online application takes around 10 to 15 minutes to compete, provided you have all the required information close at hand.

What is the maximum credit limit of this card?

The maximum credit limit of the Emirates Citi World MasterCard is $100,000, and your card’s limit depends on your existing financial situation and your ability to repay.

Can I get an additional card?

Yes. You can get up to 4 additional cards without paying any additional card fee. These cards earn Miles as well.

Does the Emirates Skywards program have membership tiers?

Yes. Membership tiers include Silver, Gold, and Platinum, and benefits get better with each tier.

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8 Responses to Emirates Citi World MasterCard Review

  1. Default Gravatar
    Steve | June 14, 2016

    We are New Zealand residents. Do we get the same benefits as Australian residents

    • Staff
      Ysa | June 15, 2016

      Hi Steve,

      Thanks for your question.

      We have confirmed with Citi that their credit cards products are only available for permanent Australian residents. Unfortunately, New Zealand residents are not eligible for the benefits and features of the Emirates Citi World MasterCard.

      Cheers,
      Ysa

  2. Default Gravatar
    darren | April 17, 2016

    Are the bonus tier miles i.e. they go toward upgrading my existing Skywards miles account to the next level (gold or silver) or are these miles simply the ones used for shopping on Emirates website and expire after a while?

    • Staff
      May | April 18, 2016

      Hi Darren,

      Thanks for your inquiry.

      An Emirates Skywards Member can earn Skyward Miles and Tier Miles which are both earned when taking ‘Qualifying flights.’ He can also upgrade his status to “Silver’’, ”Gold” or “Platinum” Membership Tier, but that would depend on the number of Tier Miles earned in any consecutive 13-month period. Please note that bonus tiers are additional Skyward Miles earned by taking a Qualifying Flight(s):

      1. Silver Tier – 25,000 Tier Miles or 25 qualifying flights
      2. Gold Tier – 50,000 Tier Miles or 50 qualifying flights
      3. Platinum Tier – 150,000 Miles

      Moreover, your earned Emirates Skywards Miles do expire, so it’s best that you use them to redeem rewards like Emirates flights, flight upgrades and Emirates Partners’ goods and services to accrue Tier Miles.

      I hope this answers your question.

      Cheers,
      May

  3. Default Gravatar
    mark | January 18, 2016

    If i already have a Citibank card and I cancel it, will I be eligible for the bonus 40k pts on reapplying in the future?

    • Staff
      Sharon | January 19, 2016

      Hi Mark,

      Thanks for your inquiry.

      To be eligible for the 40,000 bonus points offer you must apply for the card before 29 April 2016, are approved and make a purchase within the first three months. Cancelling your card is not recommended as we cannot guarantee that your application would be approved. However, if you’re going to cancel your card today, you can only apply for a new card after the period of 6 months.

      I hope this helps,

      Sharon

  4. Default Gravatar
    George | April 22, 2015

    What is the age limit for travel insurance purposes

    • Staff
      Jonathan | April 23, 2015

      Hi George, thanks for your inquiry!

      There is no maximum age for this credit card insurance policy.

      Cheers,

      Jonathan

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Rates last updated December 11th, 2016
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Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
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HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 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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