Emirates Citi World Mastercard

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

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. In addition to the potential 60,000 bonus Skyward Miles, you will get two complimentary lounge passes for Emirates Lounges in Australia and various travel and purchase insurance covers included.

Product NameEmirates Citi World Mastercard
Rewards ProgramEmirates Skyward Miles Program
Balance transfer rate0% 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 date31 December 2019
Annual fee$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
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.
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
Card TypeMastercard
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
Minimum Income$75,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
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
Cash Advance Fee3.5% of transaction amount or $3.50
Overseas Cash Advance Fee$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders4


  • Receive 50,000 bonus Skywards Miles if you apply by 31 December 2019, are approved and spend on your card within the first 90 days of approval. Also receive an additional 10,000 Skywards Miles if you spend a minimum of $500 on emirates.com during that period.
  • Pay a discounted annual fee of $149 in the first year.
  • Enjoy a 0% p.a. interest rate for the first 9 months on balance transfers.
  • Earn up to 1.5 Skywards Miles for every Australian dollar spent on eligible purchases at emirates.com.
  • Access to a hoard of credit, with credit limits of up to $100,000 for those who need quick funding.


  • A standard annual fee of $299 will apply after the first year.
Rewards ProgramEmirates Skyward Miles Program
Bonus Points60,000 bonus points
Rewards Points per $ spent (VISA/MC)1

Benefits of the Emirates Citi World Mastercard

  • Bonus Skywards Miles. If you apply by 31 December 2019 and make a purchase within the first 90 days from card approval, you will receive 50,000 bonus points. You can also get an additional 10,000 bonus Skywards Miles points during that period if a minimum of $500 is spent on emirates.com. 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.
  • 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 on eligible international spend (uncapped), and every dollar you spend on eligible domestic spend earns 1 Mile (up to $3,000 per statement period), and 0.5 Skywards Miles per $1 spent thereafter (up to $10,000 per statement period).
    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.
  • Mobile payment technology. You can easily make payments when you shop with Samsung Pay or Apple Pay just by tapping your qualifying Samsung device or Apple device on a contactless terminal.
  • 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.
  • 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

  • Personal details. Your complete name, date of birth, nationality, marital status, and mother’s maiden name
  • Contact details. Your residential status, residential address, phone number, and email address
  • Employment details. Your employer’s name and contact details
  • Financial details Details about your income and expenses as well as your assets and liabilities
  • Frequent flyer number. Before applying for the Emirates Citi World Mastercard, make sure you have your Emirates Skywards frequent flyer number on hand to include on the application. You will not be able to link your accounts after the application is completed.

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 that other credit cards offer similar features and benefits, so compare a few before applying.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

16 Responses

  1. 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
      JoelOctober 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. :)


  2. Default Gravatar
    JennyOctober 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
      JoelOctober 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. :)


  3. Default Gravatar
    faranJanuary 22, 2018

    is there expiry time on Emirates points?

    • Default Gravatar
      JoelJanuary 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.


  4. Default Gravatar
    mitchAugust 21, 2017

    I have an emirates CITI mastercard
    can I pay my land tax to the queensland government?
    they accept MasterCard @ 0.40%
    how many points do I get per $1 payment ?
    each payment will be under $40,000 each time

    • finder Customer Care
      MayAugust 22, 2017Staff

      Hi Mitch,

      Thanks for your question.

      According to the definition of “Eligible Transaction” of Citibank for their Emirates Citi World Mastercard, Eligible Transaction means any purchases excluding but not limited to government transactions. And they defined government transactions as:

      Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court-related costs).

      So, I’m afraid that payments for taxes to the QLD government using your Emirates Citi World Mastercard will not earn points.


  5. Default Gravatar
    SteveJune 14, 2016

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

    • finder Customer Care
      YsaJune 15, 2016Staff

      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.


  6. Default Gravatar
    darrenApril 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?

    • finder Customer Care
      MayApril 18, 2016Staff

      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.


  7. Default Gravatar
    markJanuary 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?

    • finder Customer Care
      SharonJanuary 19, 2016Staff

      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,


  8. Default Gravatar
    GeorgeApril 22, 2015

    What is the age limit for travel insurance purposes

    • finder Customer Care
      JonathanApril 23, 2015Staff

      Hi George, thanks for your inquiry!

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



Credit Cards Comparison

Rates last updated February 20th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Receive 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 complimentary Qantas Club lounge invitations per year.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

Compare up to 4 providers

* 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.

Ask a question
Go to site