Emirates Credit Card – Review & Application
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The Emirates Citi Platinum credit card is a reward card that is targeted towards frequent flyers. It is offered in conjunction with Citibank and MasterCard.
All about Emirates
Emirates is one of the largest airlines in the world. It is the official airline of the United Arab Airlines, and its official international hub is Dubai. It operates a large number of flights internationally, and is particularly well known for its cross-continent flights. Emirates offers some of the best connections to Europe, especially to London. It has a very strong presence throughout Asia and offers exceptional customer services
All about Citibank
The Emirates Credit Card is offered through Emirates’ partner, Citibank. Citibank is a large bank based in America which has a growing presence in Australia. As a bank, it caters to the higher end of the market and to businesses.
| Product Name | Emirates Citibank Platinum Card | |
|---|---|---|
| Balance Transfer Rate | 3.9% p.a. for 9 months | |
| Interest Rate on Purchases | 20.99% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $229 p.a. | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 21.24% p.a. | |
| Minimum 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.
|
$6,000 | |
| Max Credit Limit | $100,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | MasterCard | |
| Late Payment Fee | $10 | |
| Complimentary Travel Insurance | Yes | |
| Available to Temporary Residents | No | |
| Joint Application | No |
The Emirates credit card offers a number of perks to attract frequent flyers. Its major feature is that it offers rewards for purchases made using the card in the form of discounts off future flights with Emirates. Of course, these rewards are only applicable to flights booked with Emirates and cannot be converted for airline points with any other airline.Although the reward points can only be converted to airline miles with Emirates, the number of miles that can obtained is 50% greater than the number that can be obtained with other airline frequent flyer programs.
In addition to the ability to gain airline miles, users of the Emirates credit card can obtain other benefits such as free travel insurance and extended warranties on purchases.
Customers of the Emirates credit card can gain access to a concierge service. This service can be used like a PA service for all kinds of things such as booking doctor’s appointments, arranging reservations at a restaurant or even picking up the dry cleaning.
Cardholders also have access to a free chauffeur service for travelling to the airport. There are a few limitations of this service:
- The service can only be used to travel to certain Australian airports
- The service must be used for travelling to the airport to catch an Emirates flight
- The service can only be used once per year for economy class flights, but can be used an unlimited number of times for flights on first or business class.
Overall, the Emirates credit card is an innovate card aimed at high-end frequent flyers. Of course, along with the perks come a hefty annual fee of $229, but many frequent flyers feel that the benefits outweigh the cost of the card.
Read the Emirates Citibank Platinum Card terms and conditions.
| Minimum Income | $35,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| 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. | $6,000 | |
| Max Credit Limit | $100,000 |
| Annual Fee | $229 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $10 | |
| Over Limit Fee | $40 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $5 | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $90 | |
| Number of Additional Cardholders | 4 |
Pros
- This is an award winning card - awarded the 'Outstanding Value in the Big Spender' category by CANNEX.
- Citibank offers an authentically quality conversion rate on their Skywards rewards program, at an uncapped 1.50 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 $100000 for those who need quick funding.
Cons
- This card is not for everyone. An annul fee of $229 means you will have to do some serious travelling in order to make this product cost effective.
- 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 $35000 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 150000.
Read the Emirates Citibank Platinum Card terms and conditions.
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I applied for a credit card online on Tues 31/01 & haven’t rec’d a reply. The form was inadequate to provide my full details. I would like to be contacted & given feed back
Hi,
Please contact the institution that is handling your application. Quote your application reference number for clarification on the hold up. Thank you.
Cheers,
Jeremy
is there a maximum points u can achieve in a year or there is no limit
Hi,
Thanks for the question. While the rate of earning isn’t capped, the maximum amount of points you can earn per year is capped at 150,000. Cheers.
Jeremy
I stay in the UK can i still have this card
Hi, Andrew. Thanks for your question. This card is available to permanent Australian residents only. Cheers.
Hi, can I apply as I live in the uk and these figures are in dollars ?
Thanks
Hi Dean. The cards listed on this website are available to permanent Australian residents only. There are a few options for temporary residents too, but nothing for international applicants. Thanks.