• Special offer: Earn 4 Skywards Miles per $1 spent up to 25,000 miles.
• And then earn 1.5 Skywards Miles for every $1 you spend.
• Complimentary lounge access in Australia and Dubai.
• Complimentary Chauffeur-drive service to and from Australian airports.
• 0% p.a. for 7 months on balance transfers.
• Ability to earn and redeem Skywards Miles on Virgin Australia flights.
• Complimentary international travel and purchase cover insurance.
• International award-winning airline that flies to over 100 destinations on six continents.
• 24/7 Personal Concierge around the world.
• Maximum credit limit of $100,000.
• Additional card - $90.
• Read the terms and conditions

• Attractively low balance transfer for 7 months
• Really good points earning ratio of $1 = 4 Skywards Miles
• Complimentary lounge access in Australia and Dubai.
• Complimentary Chauffeur-drive service to and from Australian airports.
• You can use Skywards Miles for flights on Virgin Australia too.
• Complimentary international travel insurance and purchase cover.
• High annual fee of $229 p.a.
• Interest rates on purchases are quite high too.

How does the Citibank Emirates Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Citibank Emirates Credit Card	20.99%	21.24%	$229	0%	7 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

The Emirates Citi Platinum credit card is a great credit product for customers looking for balance transfer functions as well as a whole host of freebies, benefits and rewards. It is particularly useful for medium-to-high income customers who travel regularly, and who enjoy a little luxury for less in their lives.

Pros

Firstly, the biggest benefit with the Citibank Emirates credit card is that the balance transfer rate is extremely low for a card of this calibre; the introductory 0% p.a. balance transfer rate for 7 months is very reasonable considering the amount of benefits that can be accrued with this card. Customers using the card can earn 3 Skyward Miles per $1 spent for the first 25,000 miles flown, meaning that frequent flyers will love this card. As well as this, the card comes with a 55 day interest free period, helping to keep costs on purchases down and give customers plenty of breathing space when it comes to paying off bills. The credit limit is very generous (up to $100,000), so the card will suit customers looking for lots of credit.

Aside from these benefits, the Emirates Citi Platinum credit card comes with a few nice luxuries that help make life a little sweeter, such as one free chauffeur driven ride to and from the airport per year when flying with Emirates, complimentary lounge passes, free travel insurance, a personal concierge service, and plenty of other benefits that regular international travellers will truly appreciate.

Cons

This is not a particularly affordable card, and customers looking for a low purchase rate might do better to look elsewhere; this card has quite a high interest rate on both purchases at 20.99% p.a. and cash advances at 21.24% p.a. Additionally, the $229 p.a. annual fee on the card is higher than others, making this a less accessible card for those on lower incomes. It is also important to note with this card that the favourable interest rate on balance transfers is only for a limited amount of time (7 months), but that’s the case with any card with a balance transfer offer.

Conclusion

If you travel regularly, either for business or leisure, and bring home a medium-to-high income, this is a great card to get. You’ll be able to accrue points, enjoy transport and shopping benefits whilst on the move, and save money on flights too. You will also be able to enjoy a very favourable balance transfer interest rate, making the card ideal for anyone with existing debt and are looking to save money on interest rates that may have suddenly increased. The interest rate on purchases is not the best on the market, but the generous interest free period on the card means that if you are prompt about monthly repayments will not find this an issue, and will be able to use the card and collect the associated benefits with great ease.

In short, it is a great card; why not check out the quick and easy online application process today, and find out if this is the card you have been waiting for?