Get the Finder app 🥳

Track your credit score


Emirates Citi World Mastercard

Last updated:  

Enjoy up to 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.


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)

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .


Product NameEmirates Citi World Mastercard
Rewards programEmirates Skyward Miles Program
Balance transfer rate0% p.a. for 9 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate21.49% p.a.
Annual fee$149 annual fee for the first year ($299 p.a. thereafter)
Interest-free period55 days
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


  • Total bonus points potential of 60,000
  • Discounted annual fee of $149 for the first year
  • 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 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$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

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

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.

How to apply

You can apply for the Emirates Citi World Mastercard online in around 15 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 by Citi.

Card benefits

  • Bonus Skywards Miles. This card offers up to 60,000 bonus Skywards Miles when you apply by 31 January 2021, are approved and meet two different spend requirements. You'll earn 50,000 bonus Skywards Miles when you make a purchase within the first 90 days from card approval and 10,000 bonus miles when you spend at least $500 on in the first 90 days. The bonus miles will be credited to your account within 6-8 weeks after meeting the spend criteria. Note that balance transfers, special promotions and cash advances do not qualify towards the spend criteria.
  • Rewards program. When you use this card for eligible spending in Australia, you'll earn 1 Skywards Mile per $1 (up to $3,000 per statement period), and 0.5 Skywards Miles per $1 spent thereafter (up to $10,000 per statement period). You'll also earn 1.25 Miles for every dollar spent on eligible international spend (uncapped) and 1.5 Skywards Miles per $1 spent on airline tickets through This includes flights booked with partner airlines like Alaska Airlines, Japan Airlines, Jet Airways, Jetstar, Qantas and Virgin America – as long as you make the booking via the Emirates website. You can redeem your miles for flights with Emirates and its partner airlines. You can also redeem them with Emirates partners in a range of categories, including car hire, hospitality, lifestyle, retail and finance.

Rates & fees

  • Annual fee. Save with a discounted annual fee of $149 for the first year and $299 p.a. thereafter.
  • Interest rates. This card has a purchase rate of 21.49% p.a. and a cash advance interest rate of 22.24% p.a.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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.


  1. 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) programs 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,

  2. 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. :)


  3. 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. :)


  4. 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.


  5. Default Gravatar
    August 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

    • Avatarfinder Customer Care
      August 22, 2017

      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.


  6. Default Gravatar
    June 14, 2016

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

    • Avatarfinder Customer Care
      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.


  7. Default Gravatar
    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?

    • Avatarfinder Customer Care
      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.


  8. Default Gravatar
    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?

    • Avatarfinder Customer Care
      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,


  9. Default Gravatar
    April 22, 2015

    What is the age limit for travel insurance purposes

    • Avatarfinder Customer Care
      April 23, 2015

      Hi George, thanks for your inquiry!

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



Go to site