The Citi Emirates World Mastercard directly links to the Emirates Skyward rewards program and all points earnt will go to that account. But there’s more than just points on offer, the card comes with other premium perks, such as free travel insurance and purchase protections. However, points earning is capped at $10,000 each month, limiting your reward earning potential.
As the name suggest the Citi Emirates World Mastercard is credit card with a special connection to Emirates. The card automatically attributes points earnt to your Emirates Skywards rewards program. Before diving into the perks, first things first - the Citi Emirates World Mastercard does come with a hefty 21.49% purchase rate.
There are few things you’ll need to know about points earning though, the first being that points are capped. For the first $3,000 spent in a month you’ll earn 1 point per dollar spent, but for every dollar spent between $3001 and $10,000 you’ll only earn 0.5 points. After $10,000 spent on a month on the card, you’ll earn no points.
On the bright side, points are uncapped for eligible international purchases and will actually earn you 1.25 points per dollar spent. Plus, you’ll earn 1.5 points for ever dollar spent on airline tickets purchased via emirates.com.
While rewards points are great, so are the other bonuses that the card already comes with. These include complimentary travel insurance, extra warranty on products purchased with the card and extra purchase protection. On top of this, there are also perks such as 1 complimentary chauffeur ride to and from the airport each year, 2 lounges passes to any Emirates lounge in Australia per year and free win every time you dine with the Citibank Dining Program.
Having debt on another card can be a real drag, especially if that card has a high purchase rate. To help save you some money on debt the Citi Emirates World Mastercard comes with 9 months of 0% interest on balance transfers (22.24% afterwards), giving you a little time to pay off that debt, without interest. Just remember that no interest free days apply to new retail purchases while you have a balance transfer.
The card also comes with a couple neat features, such as the option to link the card with either Apple or Samsung Pay, the ability to have up to four additional cardholders and a $149 annual fee in the first year ($299 afterwards).
Emirates loyalists who want to have their credit card rewards program linked with their flight rewards and will make full use of all the travel perks on offer are most likely best suited for this card.
If you are looking to really start racking up the points, you may find this card is a bit restrictive. This is because for your spends between $3001 and $10,000 spent on the card in a month, you’ll only earn 0.5 points and no points will be earned after $10,000; except on eligible international purchases.
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
-
$100 Giftcard
-
$100 Cash
-
1 point per dollar on Mastercard, up to $3,000 per month, then
0.5 points per dollar on Mastercard, up to $10,000 per month
Points are automatically credited to the Emirates Skywards Program
All rewards are redeemed via Emirates Skywards Program.
1.25 points per dollar on eligible international purchases (uncapped).
One complimentary chauffeur driven ride per year to and from the airport and two complimentary lounge passes per year to any Emirates Lounge in Australia when flying Emirates.
Receive 50,000 bonus Skywards Miles on your first spend within 90 days of card approval, plus an additional 10,000 Skywards Miles if you spend a minimum of $500 on emirates.com.
Spend $152,400 (Mastercard)
at $10,000 monthly
36 months
How do we calculate these points?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
21.49% p.a.
none
0% p.a. for 9 months and then 22.24% p.a.
yes
22.24% p.a.
55
$299.00
$149 in the first year
none
none
$30.00
3.5%, min $3.50
3.40%
$0.00
$0.00
$0.00
$30.00
2.0
4
none
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Citi PayAll allows you to earn Citi reward Points on everyday expenses (2% fee applies). Free wine every time you dine with the Citibank Dining Program when you pay with your Citi Credit Card.
Too expensive, not enough benefits and frequent flyer points.
Read full reviewToo expensive, not enough benefits and frequent flyer points.
They are ok as I only deal with them online.
Read full reviewThey are ok as I only deal with them online.
Competitive premiums and great customer service
Read full reviewCompetitive premiums and great customer service
The most dishonest financial institution I have ever dealt with. I have not used this card in over 12 months because of previous questionable behaviour and was unfortunately persuaded out of cancelling the card at that time. Today I received a bill for $390.00 and was threatened with a credit default notice, outrageous annual fee charged several months ago without notice and a range of outrageous fees and charges subsequently levied. I was not contacted by the bank at any stage regarding this despite regular harassing phone calls with a range of worthless offers. Honestly do yourself a favour stay away. I use ANZ who are a pleasure to deal with in comparison.
Read full reviewThe most dishonest financial institution I have ever dealt with. I have not used this card in over 12 months because of previous questionable behaviour and was unfortunately persuaded out of cancelling the card at that time. Today I received a bill for $390.00 and was threatened with a credit default notice, outrageous annual fee charged several months ago without notice and a range of outrageous fees and charges subsequently levied. I was not contacted by the bank at any stage regarding this despite regular harassing phone calls with a range of worthless offers. Honestly do yourself a favour stay away. I use ANZ who are a pleasure to deal with in comparison.
Expensive card, accepted almost everywhere. Good customer service. I have it for the emirates frequent flyer points, which is the only reason to have this card.
Read full reviewExpensive card, accepted almost everywhere. Good customer service. I have it for the emirates frequent flyer points, which is the only reason to have this card.
Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi 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.
Citi
Rewards Credit Card (Bonus Points)
21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$149 $49 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Citi
Rewards Credit Card
21.49% p.a.
0% p.a. for 30 months and then 22.24% p.a.
$149 $49 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
NAB
Low Rate Card
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Signature
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$279
Amplify Rewards
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Rewards Credit Card
21.49% p.a.
0% p.a. for 30 months and then 22.24% p.a.
$149 $49 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
