Citi
Citi

Emirates Citi World Mastercard (0% p.a. on balance transfers for 9 months, reverts to cash advance rate)

Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
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Interest Free
Up to 55 days
Annual Fee
$299.00
Balance Transfer Rate
0% p.a. for first 9 months
  • Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on emirates.com during that period you will receive an additional 10,000 Skywards Miles.
  • Offer ends 31 January 2021.
  • 0% p.a. for 9 months on balance transfers (cash rate after 9 months).
  • Half-price annual fee in your first year (usually $299 per year). Earn 1 Skywards Mile per $1 spent on eligible Domestic Spend (up to $3,000) and 1.25 Skywards Miles per $1 on eligible International Spend (uncapped).
  • Two complimentary lounge passes per year for any Emirates Lounge in Australia when flying Emirates.
  • One complimentary chauffeur-driven ride per year to and from the airport.
  • Complimentary International Travel Insurance and Transit Accident Insurance.
  • Free wine every time you dine with the Citibank Dining Program.
  • With Priceless Cities, explore unforgettable experiences in more than 40 cities across the world. To learn more, visit priceless.com.

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$299.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 1 Skywards Mile per $1 spent on eligible Domestic Spend up to $3,000, then 0.5 per $1 spent (up to $10,000 per statement period).
  • Earn 1.25 Skywards Miles per $1 spent on eligible International Spend (uncapped).
  • Earn 1.5 Skywards Miles for every $1 spent on airline tickets purchased via emirates.com

Fee & Repayments

Annual Fee $299.00
Annual Fee First Year $149.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines Emirates
Conditions

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $75,000 per year and your credit rating. Terms and conditions apply and are available upon request. To be eligible for the 50,000 bonus Skywards Miles, you must apply for your Emirates Citi World Mastercard before 31 January 2021, be approved and spend on your card within the first 90 days of card approval. Cash Advances, Balance Transfers, refunds, chargebacks, BPAY and Special Promotions are excluded from this offer. To be eligible for the additional 10,000 Skywards Miles, within 90 days of card approval you must purchase airline tickets via emirates.com and spend a minimum of $500. Please note that if have a balance transfer, you will be charged interest on any spend that you make. A Cardholder must provide their Emirates Skywards membership number to Citi for the Skywards Miles transfer to occur. You are required to provide Citi with your valid Emirates Skywards membership number within six months of your account opening, otherwise your Skywards Miles will be forfeited. Bonus Skywards Miles will ordinarily be credited within ten weeks of meeting spend criteria. Membership and the earning and redemption of Skywards Miles are subject to the Emirates Skywards Miles Programme Terms and Conditions. This offer is valid until 31 January 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Subject to your acceptance you will be billed an annual fee of $149 in the first year. This will revert to the standard annual fee, currently $299, in subsequent years whilst the account remains open. This offer is valid until 31 January 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. The 9 month promotional period commences once balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 31 January 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Citi Instalment Plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance. An Emirates Citi World Mastercard cardholder must be a member of the Emirates Skywards frequent flyer program to earn Skywards Miles. Membership is free and subject to Emirates Skywards terms and conditions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Eligible Transaction is defined in the Emirates Skywards Miles Programme Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information. There are limits on the Citi PayAll payments you can make in a period per month. Details of these limits can be found at citibank.com.au/payall-limits. Each Emirates Citi World Mastercard primary cardholder is provided two complimentary Emirates Lounge Access vouchers per year to access any Emirates Lounge in Australia upon payment of their annual fee. To use the vouchers, the primary cardholder must have purchased a ticket for an Emirates marketed and operated flight with their Emirates Citi World Mastercard. Entry to the Emirates Lounge in Australia will be granted upon presentation of a valid voucher by the primary cardholder and on the condition that the Emirates Citi World Mastercard was used to purchase the ticket for an Emirates marketed and operated flight. The second voucher may be used by the primary cardholder on a subsequent ticket purchase for travel on an Emirates marketed and operated flight. Alternatively, both vouchers can be used at the same time by the primary cardholder and a guest departing on the same flight, provided the primary cardholder has paid for the guest’s ticket with their Emirates Citi World Mastercard. Emirates Lounge Access Vouchers are not valid on Qantas marketed flights or on any other codeshare. The Emirates Lounge Vouchers cannot be renewed once expired. Lost or stolen vouchers will not be replaced. Primary cardholders using their Emirates Citi World Mastercard to book and pay for a ticket on an Emirates long haul flight in Economy Class will be eligible for a complimentary Chauffeur-drive transfer to and from an Australian airport once every calendar year. The cardholder must be travelling on an Emirates marketed, operated flight number and aircraft to be eligible for the complimentary chauffer drive service. This is valid for the primary cardholder and one guest, from one pick-up point. There is a total luggage limit of one suitcase plus one carry-on bag per person. Additional charges apply if a larger vehicle or infant car seat is required. Excludes Trans-Tasman flights, Emirates Skywards reward tickets, travel industry tickets and group bookings. Kilometre restrictions for each capital city in Australia apply. Please refer to http://www.emirates.com/au/english/flying/chauffeur_drive/chauffeur-drive.aspx for each capital city’s kilometre cap. Any travel which exceeds the kilometre cap will not be eligible for this service. This service must be booked at least 72 hours prior to departure by calling Emirates on 1300 303 777. Chauffeur-drive is provided by Emirates and their authorised third parties to Emirates Citi World Mastercard cardholders. Citi accepts no liability for this service. Exclusive offers supplied by Mastercard. Visit worldcard.mastercard.com for details. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance. Concierge Services is a complimentary service available to the Primary Cardholder of a Emirates Citi World Mastercard. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. Payment must be made using an Emirates Citi World Mastercard. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Emirates Citi World Mastercard Card ("Credit Card"). Mastercard and the Mastercard brand mark are registered trademarks of Mastercard Incorporated. PayPass and World Mastercard are trademarks of Mastercard Incorporated. World Program Terms and Conditions apply. © 2020 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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