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    • Citibank Emirates Citi Platinum Card

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    • Emirates Citi Platinum Card card from Citibank

    • 20.99%

    • 0.90% for 9 months and then 21.24%

    • $229.00

    • 55

    Citibank Emirates Citi Platinum Card Review

    Review published: 16 January 2012
    Review updated: 7 February 2012

    What's hot:

    • 0.9% balance transfer rate for 9 months
    • Free international travel, extended warranty and purchase cover insurance
    • No annual fee for the first year ($229 saving)

    What's not:

    • 20.99% purchase rate
    • Rewards points expire after 36 months

    Mozo snapshot:

    The Emirates Citibank Platinum credit card offers big spenders and frequent flyers all the perks to enjoy the high life. Apply before March 31, 2012 and the $229 annual fee is waived!

    Key features: Earn 1.5 skyward miles for every dollar spent. Rewards points are converted into free travel with Emirates, and that $229 annual fee (waived in the first year) buys you platinum perks including free international travel insurance concierge service, a pass for two to any Australian Emirates Lounge and a chauffeur-driven ride to and from the airport once a year. A complimentary bottle of wine when cardholders dine at participating restaurants is a nice touch, too.

    Who it's good for: Those who hit the plastic hard and don't bat an eyelid at annual fees or interest rates - because it's all about the perks.

    Any catches? The 0% balance transfer rate gives you a 9-month window to jettison any excess baggage from previous credit cards, but once this introductory offer departs, the rate skyrockets to 21.24%. Also, points are capped at $100,000 pa and expire at 36 months.

    How are Citibank credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Citibank credit cards 4.2 Based on 174
    Citibank credit card reviews     		4.4 5.0 4.0 4.1 4.4

    Read Citibank credit card reviews by the Mozo community

    Rewards scheme

    • Points are automatically credited to the Emirates Skywards Program
    • All rewards are redeemed via Emirates Skywards Program.
    • Instant discounts via Citi World Privileges

    Privileges

    • Concierge
    • Travel Accident Insurance
    • Extended Warranty
    • Purchase Protection
    • Chauffeur driven ride to and from the airport once a year
    • complimentary lounge pass (for two) per year for any Emirates Lounge in Australia

    Value of rewards points

    • Example reward
    • You'd need to spend
    • $100 gift card
    • $19,333
    • Flight: Sydney-Melbourne
    • $5,333
    • Flight: Sydney-London
    • $60,000
    • Points are capped?
    • at $100,000 pa
    • Points expire?
    • 36 months

    Details behind our 'value of rewards' calculations

    • Points earning 1.5 points per dollar on MasterCard, up to 150000 points per year
    • $100 gift card 1 points buys 1.0 Skywards Miles; 29000 Skywards Miles buys a Westfield $100 Gift Card
    • Flight: Sydney-Melbourne 1 points buys 1.0 Skywards Miles; 8000 Skywards Miles buys a Virgin Australia Syd-Mel flight
    • Flight: Sydney-London 1 points buys 1.0 Skywards Miles; 90000 Skywards Miles buys a Emirates London flight

    (how did we do it? find out...)

    Rates

    Purchase rate
    20.99%
    Intro purchase rate
    none
    Balance transfer rate
    0.90% for 9 months and then 21.24%
    Balance transfer term
    9 Months
    Balance transfer revert to cash
    yes
    Cash advance rate
    21.24%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $30.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $229.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $10.00
    Overlimit fee
    $40.00
    Cash advance fee
    $2.70%, min $2.70
    Foreign exchange margin
    3.40%
    Duplicate statement fee
    $7.00
    Transaction verification fee
    $8.00
    Additional card fee
    $90.00
    Establishment fee
    $

    Features

    Additional cardholders
    4
    Other restrictions
    none
    Other benefits
    No annual fee for the first year. One complimentary, chauffeur driven ride per year to and from the airport when flying Emirates, lounge pass (for two) to any Emirates Lounge in Australia when flying Emirates, and access to the Marhaba Airport Lounge in

    About Citibank

    Citibank is the consumer banking arm of Citigroup, one of the world’s biggest financial institutions. Citibank was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

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