Citibank Emirates Platinum Credit Card – Details & Application
Bring the world closer, sooner with the award winning Emirates Citi Platinum Card.
Are you looking for a great prestige credit card which offers unrivalled service, a great rewards program and a host of other benefits? If so, look no further- the Citibank Emirates Card might be just the card for you.
The Citibank Emirates Platinum Card is an airlines rewards card that offers a range of free insurance, complimentary services and generous card rewards.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0% p.a. for 7 months |
|---|---|---|
| Interest Rate on Purchases | |
20.99% p.a. |
| Annual Fee | |
$229 |
| Interest Free Period | |
up to 55 days |
| Cash Advance Rate | |
21.24% p.a. |
| Card Type | |
Platinum |
| Minimum Income Requirement | |
$40,000 p.a. |
| Credit Card Type | |
MasterCard |
| Rewards Program | |
Yes |
Features of the Citibank Emirates Platinum Card
- Awarded the Best Frequent Flyer Program – International by Money Magazine in their 2011 Best of the Best Awards.
- Earn 4 Skywards Miles for every dollar (AUD) you spend up to 25,000 points, up to 50% more miles than most other cards on the market.
- The Emirates Citi Platinum Card takes you further faster than most other airlines with reward flights on Emirates.
- Enjoy exclusive complimentary lounge access in Australia and Dubai for you and a guest, regardless of which class you fly.
- Take advantage of free international travel and purchase insurance and a complimentary 24/7 Personal Concierge service.
Enjoy free access to the Emirates Lounges in Australia and the Marhaba Lounge in Dubai, the convenience of Emirates’ chauffeur-drive service when you travel to and from airports in Australia, a generous 4 Skywards Miles for every $1 spent and complimentary Travel Insurance.
About Citibank
Citibank is the consumer arm of the giant financial services group Citigroup. It was founded in 1812, as the City Bank of New York. Later it was renamed as the First National City Bank of New York. In June 2009, statistics revealed that Citigroup was the fourth largest holding company in the United States, in terms of domestic deposits. Citigroup is a very large and well-established financial institution, with operations in more than 100 countries. In Australia, Citibank is the fifth largest provider of credit cards.
Citibank Emirates Platinum MasterCard Review
The Citibank Emirates Card is a premium credit card that offers users luxury and flexibility. A platinum credit card, the Citibank Emirates Card offers a host of card rewards.
If you are one of the many people currently carrying debts around with you at high interest rates, now could be a good time to consolidate them with the Citibank Emirates Platinum MasterCard. This card is now offering on balance transfers from other non-Citibank credit or store cards and personal loans. That may give you a reduction in your current rate of interest of 10% or more, which could save you hundreds or thousands of dollars over the life of the debt.
The Citibank Emirates Card is primarily an airlines reward card. The card offers a very generous card rewards scheme, with 1.5 Skywards points awarded for every dollar spent. Emirates is one of the largest airlines worldwide, with flights between many countries and exceptional service, so this card rewards scheme is a great benefit for frequent fliers and people who love to travel.
The Citibank Emirates Card also offers one chauffeur driven ride to and from the airport every year. As an airlines reward card, it also offers a complimentary pass to an Emirates lounge at an Australian airport.
A range of free insurance cover is also covered. This insurance will cover for lost, stolen or damaged goods. It offers complimentary travel insurance for you and any dependents.
The Citibank Emirates Card also offers complimentary concierge services. This is like a personal assistant service, and you can ask the concierge service to conduct any manner of boring and mundane tasks that you wish to avoid – anything from picking up the dry cleaning, to booking reservations at a hotel, to picking up concert tickets. This will free up more of your time and allow you to make the best and most productive use of your day.
The card also offers 55 days interest free on purchases, and all the benefits of using a MasterCard, such as wide acceptance and secure transactions.
As the name of the card will tell you, this is a Frequent Flyer credit card linked to the Emirates Skywards program, and you can earn 3 Miles per dollar you spend, which is more than most similar cards are offering.
You are further eligible for the normal platinum advantages such as complimentary insurances, and the MasterCard Concierge service to help you find whatever you want anywhere in the world.
Regardless of whether the Citibank Emirates credit card is suitable for your needs, it’s simply one of those cards which jumps out at you with appeal.
Information Needed For A Citibank Emirates Platinum MasterCard Application:
The following information will be required in your application for a Citibank Emirates Platinum MasterCard, which should take no more than 10 to 15 minutes:
- Your personal details, including your driver’s licence number
- Your contact details, including your email address
- Your employment details, including time in current employment
- Your financial details, including income and expenditure
- Details of any credit cards not issued by Citi
Citibank Emirates Platinum MasterCard Criteria:
Your application for a Citibank Emirates Platinum MasterCard depends on your fulfilling the following criteria:
- You have to be 18 years of age or over
- You have to possess a good credit rating
- You have to be a permanent resident of Australia
- You have to be earning at least $40,000 p.a. pre-tax
The Pros of Citibank Emirates
- Citibank offers an authentically quality conversion rate on their Skywards rewards program, at an uncapped 3 Skywards Miles per $1 spent, with up to 55 days interest free on purchases.
- Access to a hoard of credit, with credit limits up to $100,000 for those who need quick funding.
- A stylish red Platinum credit card design, with MasterCard as the payment processor. MasterCard and Visa have worldwide acceptance as opposed to American Express which is more limited and can incur surcharges.
- Redeem points with either Emirates or Virgin airlines at your choice. If you take advantage of at least most of the wide range of features, the annual fee is well worth the cost.
The Cons of Citibank Emirates
- Like any credit card with a rewards program, you need to spend a significant amount ($20,000 per annum) on your card for the benefits and rewards to outweigh the annual fee.
- 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 $50,000 minimum annual earnings are required.
- While the rate of earning isn’t capped, the maximum amount of points you can earn per year is capped at 150,000.
Where Can I Access The Citibank.com.au Product Page For The Citibank Emirates?
Click here to be redirected to the official Citibank Emirates page for terms & conditions and a secure online application form.
| Minimum Income | $40,000 | Minimum Age | 18 years of age |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $5,000 | Max Credit Limit | $100,000 |
| Annual Fee | $229 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | Purchase Date |
| Late Payment Fee | $40 | Over Limit Fee | $40 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $5 | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | 4 Point(s) | Points needed for Syd/Mel Return Flight | 5000 |
| Points needed for $100 Voucher | 19333 |
[...] difference between a platinum credit card and a classic credit card will only be noticed if the platinum credit card is being put to its full use. If it is only ever used for the occasional high street [...]
[...] Citibank Emirates Card [...]
Can I ask for a specific credit limit, based upon an existing card that I would cancel?
Hi Garey
Thanks for your comment
During the Citibank credit card application process, you’ll find a specific section titled “Maximum Credit Limit”. In this section, you have the opportunity to specify the maximum credit limit that you would like on the card. The maximum approved credit limit for the Citibank Emirates Platinum is $100,000, however, you will need to meet their credit criteria in order to be approved for that amount and may be approved for a lesser amount.
Be sure to check with a financial advisor about your specific financial situation before you make a decision to apply for a credit card.
Hope this helps!
Cheers,
Jeremy
How much is the annual fee. How long is the travel insurance valid for?
is a supplementary card available for my spouse and if so what is tha annual fee?
Hi Ann
Thanks for your comment
For each additional Emirates Citibank Platinum Card there is an additional cardholder fee of $90 p.a.
Cheers
Jeremy
Re balance transfer at time of application, would I need to cancel the credit card from which the balance is coming across at 0% for 7 months or can the other card continue?
Thanks…..Julie Mogan
Hi Julie
Thanks for the comment
You don’t need to cancel the other card, however in most cases it’s a good idea since it will help avoid the temptation of spending on that card, and having 2 cards both with a balance on them.
Cheers,
Jeremy