Emirates Credit Card – Review & Application
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.
Features of the Emirates credit card
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0.9% p.a. for 9 months |
|---|---|---|
| Interest Rate on Purchases | |
20.99% p.a. |
| Annual Fee | |
$0 annual fee for the first year ( $229 thereafter) |
| 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 |
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 $0 annual fee for the first year ( $229 thereafter), but many frequent flyers feel that the benefits outweigh the cost of the card.
Read the official terms and conditions
| 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 | $0 | 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 |
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