Emirates Citi World Mastercard

• Residency. You must be an Australian resident.

Required documents

• Personal details. This includes your full name, date of birth, email address, residential address, marital status, number of dependents and contact number. You'll also need to provide a valid form of ID, such as your driver's licence, passport or Medicare card number.
• Frequent flyer details. You'll need to provide details of your Emirates Skywards frequent flyer account when you apply for this card. If you're not a member of this loyalty scheme, you can join for free via the Emirates website.
• Employment details. This includes your current job title, salary and your employer's contact details. You'll also need to provide documents that verify your income, such as recent payslips or tax assessment notices from the ATO.
• Financial details. This includes any additional forms of income, pensions, savings or other assets, as well as existing debts, loans and cards. You'll also need to provide details of your regular household expenses such as rent or mortgage payments, utility bills and groceries.
• Balance transfer details. If you plan to transfer a balance you will need to provide information about the existing account(s).

• 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 emirates.com. 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.
• Balance transfers. This card offers 0% p.a. on balance transfers for the first 9 months (with no balance transfer fee) when you apply and request the transfer at the time of your application. Any outstanding balance at the end of this period starts attracting the 22.24% p.a. cash advance rate.
• 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 luxury benefits. You also get two complimentary lounge passes for Emirates Lounges in Australia, which you can use when flying with Emirates. You can also make use of a complimentary chauffeur-driven service once every year, when flying with Emirates.
• Complimentary mobile phone insurance. Use the Emirates Citi World Mastercard to pay your monthly mobile plan and you'll get cover for accidental damage that affects the way your smartphone is supposed to work. You also get cover for theft when it's unavoidable. This complimentary insurance is underwritten by AIG Insurance and, as with any policy, it's a good idea to check the policy document for full details of what's covered and how to make a claim.
• Luxury Escapes discount. Until 1 March 2024, you can get 10% off (up to $250) on Limited Time LUX Exclusive hotel offers when you pay with your Citi card through the Luxury Escapes website or app and use the promo code CITI10.
• Mobile payment technology. You can easily make payments when you shop with Samsung Pay, Google Pay or Apple Pay just by tapping your qualifying Samsung device or Apple device on a contactless terminal.
• 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.

• Interest-free days. This card offers up to 55 interest-free days on purchases when you pay your account's closing balance in full each month. Note that interest-free days are not available if you carry a balance transfer debt.