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.
Interest Free
Up to 55 days
Annual Fee
$299.00
Balance Transfer Rate
0% p.a. for first 9 months
  • Receive 60,000 Skyward Miles on your first spend on eligible purchases within 90 days from approval.1 You can spend your Skywards Miles for reward flights and upgrades on Emirates and with Emirates Skywards lifestyle, hotel and airline partners worldwide.
  • Offer ends 29 June 2022.
  • 0% p.a. for 9 months on balance transfers (cash rate after 9 months).
  • $149 annual fee in the first year, reverting to the standard fee, currently $299 in subsequent years.
  • 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 to receive 60,000 bonus Skywards Miles, you must apply for the Emirates Citi World Mastercard by 29 June 2022, then make an eligible purchase using your new card within 90 days from approval. Excludes Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks. The bonus Skywards Miles will be credited to your Emirates Skywards Account within 10 weeks of meeting the spend criteria. Your Emirates Citi World Mastercard must remain open and in good standing for the bonus Skywards Miles to be awarded. You must be a member of the Emirates Skywards Programme and provide your Emirates Skywards Account number to us. Membership and the earning and redemption of Skywards Miles are subject to the Emirates Skywards Programme rules, available at https://www.emirates.com/ae/english/skywards/emirates-skywards-programme-rules. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 29 June 2022. 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. This offer is valid until 29 June 2022. 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 will apply to balances transferred with this offer within 90 days from card approval for a period of 9 months from the date the balance transfer is processed. At the end of the balance transfer promotional 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. This offer excludes balances transferred from Citi unsecured credit products. Please note you will not be entitled to any interest free days on retail purchases 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 29 June 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 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. © 2022 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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