This card is no longer available. This card guide is for reference purposes only.

Note: You need to have an Emirates Skywards Miles frequent flyer account prior to applying for this card. There’s also a $75,000 p.a. minimum income requirement for applicants to this card.

Card Details

Loyalty programEmirates Skywards
Points earned from spend1 Skyward Mile per $1 on eligible Domestic Spend, 1.25 Mile per $1 on eligible International Spend and 1.5 points per $ spent directly with
Points capEarn rate drops to 0.5 Skywards Mile per $1 on eligible Domestic Spend after $3,000 spent each statement period up to $10,000
Earns points at ATONo
Travel benefitsEach year: Emirates lounge passes and airport limo transfers when flying Emirates
Minimum income$75,000
Included insurancesTravel and purchase protection insurances (PDS)
Overseas transaction fee3.40% of the converted amount
Mobile walletApple Pay, Samsung Pay
Regular Annual fee$299 p.a.

Guide to the Emirates Citi World Mastercard

The earn rate on eligible Domestic Spend is 1 Skyward miles per $1 for the first $3,000 spent each statement period, dropping to 0.5 Skywards miles per $1 spent up to $10,000 per statement period.

This is one of the better earn rates for Skyward miles on the market for regular spend – but Skyward miles are not the most valuable currency out there, so you’ll have to really want these miles to go for this card.

There’s also 1.25 Skywards Miles per $1 on eligible International Spend which is uncapped, along with a spend bonus of 1.5 Skywards Miles for every $1 spent on airline tickets purchased via

The annual fee is usually $299, and supplementary cardholders are free.

It’s really a card that will be most appropriate for those who spend heavily on bookings directly with Emirates with the 1.5 Skywards miles per $1 on offer on Emirates spend.

This could work well for business-owners who have a need to book flights directly with Emirates for their staff. The vouchers for lounge access and the limo transfer benefit could also be useful in this context as they can be given to others to use too.

Emirates specific benefits with the Emirates Citi Skywards Mastercard

The two Emirates lounge access vouchers are valid for the primary cardholder, travelling on an Emirates flight, for use in Australian lounges. The primary cardholder can use both pass for themselves, or both passes at once for themselves and a guest.

You’ll of course need to be travelling in Economy to make use of the voucher too, as Business and First Class travellers get access to the Emirates lounge by virtue of their ticket.

This benefit has recently changed – it used to be one voucher for the primary cardholder and a guest, and for long-haul flights only.

You’ll now get two vouchers per year, and you can’t bring any additional guests into the lounge, so using it on a family trip is a no go. The vouchers do now seem to be valid for Trans-Tasman flights with Emirates however.

You’ll also get access to an Emirates chauffeur-driven transfer ‘to and from the airport’ in Australia once per year as a cardholder.

The terms don’t make it clear if this is a single transfer on a trip, or whether it’s possible to book a return transfer. The ‘to and from the airport’ language is ambiguous, and the terms state the benefit is ‘once per calendar year’. We’re trying to get this cleared up and will update this guide when we know more.

Either way, this is still a valuable benefit if you know you’ll use it, and transfer is probably worth valuing around ~$100 each depending on how far you live from the airport.

Other benefits

The Emirates Citi World Mastercard also gains access to the Citi dining program where you’ll get a bottle of wine at participating restaurants. From what we’ve seen, the execution and value of this program is mixed, so not a benefit to bank on.

There’s also a set of insurances on offer for purchases made on the card, such as International Travel Insurance and Transit Accident coverage. Read the full PDS here.

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

Apple Pay, Google Pay & Samsung Pay

Citi cards supports Apple Pay & Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments.

Summing Up

The Emirates benefits with the Emirates World Mastercard is going to appeal most to the infrequent, but committed Emirates traveller. Usually the card wouldn’t be for everyone, and not even for the average Skywards member only given its relatively high annual fee for the benefits on offer.

If you’re interested in how the numbers stack up for earning Skywards Miles vs Qantas Points with your Emirates flights, then I’ve run a comparison on this here.

It does have its place for those who fly exclusively on Emirates network frequently, and who buy their own tickets for themselves (and others to do the same), given the bonus points and perks on offer with Emirates. The lounge access and airport transfer benefits are then the cream on top of the chunky 1.5 miles per $ earn rate on Emirates spend. If this is you, it’s worth considering.

Emirates Citi World Mastercard Guide was last modified: August 7th, 2023 by Daniel Sciberras