Emirates Citi World Mastercard
- Receive up to 60,000 bonus Skywards Miles
Offer ends 30 June 2018
Eligibility criteria, terms and conditions, fees and charges apply
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 Name | Emirates Citi World Mastercard |
|---|---|
| Rewards Program | Emirates 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 Limit | 80% of available credit limit |
| Purchase rate (p.a.) | 20.99% p.a. |
| Offer end date | 30 June 2018 |
| 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 |
| Card Type | Mastercard |
| 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 Insurance | Yes |
| Minimum Income | $75,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | No |
| Joint Application | No |
| Annual fee | $149 p.a. annual fee for the first year ($299 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2% of the closing balance or $30, whichever is greater |
| Late Payment Fee | $10 |
| Cash Advance Fee | 3.5% of transaction amount or $3.50 |
| Overseas Cash Advance Fee | $5 |
| Foreign Currency Conversion Fee 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% |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 4 |
Pros
- Receive 50,000 bonus Skywards Miles if you apply, 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.
Cons
- A standard annual fee of $299 will apply after the first year.
| Rewards Program | Emirates Skyward Miles Program |
|---|---|
| Bonus Points | 60,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | 3,000 |
| Rewards Points per $ spent (AMEX) | 0 |
| Rewards Points per $ (AMEX) Cap | N/A |
Emirates Citi World Mastercard review
If you’re looking for a credit card that comes linked to the Emirates Skywards frequent flyer program for your everyday spending and also offers introductory bonus points, this Citi credit card could be a valuable option. On top of the points, this card offers a 0% p.a. interest rate on balance transfers for the first 9 months.
This card can also work well for individuals who travel internationally, 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 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. Offer ends on 30 June 2018.
- 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. - 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.
- 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
- Personal 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.
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is there expiry time on Emirates points?
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.
Cheers!
Joel
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
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.
Cheers,
May
We are New Zealand residents. Do we get the same benefits as Australian residents
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
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?
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
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?
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
What is the age limit for travel insurance purposes
Hi George, thanks for your inquiry!
There is no maximum age for this credit card insurance policy.
Cheers,
Jonathan