The Emirate Citi Platinum Card is a credit card designed for high rollers that often fly via Emirates airline. The Emirates Citi Platinum Card comes with a hefty annual interest rate and an interest rate that won’t be winning any limbo contests, but some of the luxury perks just might sway you to lobby your accounting department to sign you up for one. For those who don’t find themselves jetsetting towards Dubai, there’s little reason to pick up this posh piece of plastic.
Pros of Emirates Citi Platinum Card
- Skywards Miles for every $1 spent
- Complimentary lounge access in Australia and Dubai
- Complimentary Chauffeur to and from Australian airports
- 0.9% p.a. for 9 months on balance transfers
- Complimentary international travel insurance
- 24/7 Personal Concierge
Cons of Emirates Citi Platinum Card
- $0 annual fee for the first year ( $229 thereafter) annual fee
- 20.99% p.a. interest rate on retail purchases
In order to get the most out of your Emirates Citi Platinum Card, you’ll want to fly Emirates often and have a Skywards account. However, if you do choose a different airline from time to time (which you undoubtedly will), you can trade in your Skywards Miles too.
If you’re considering the Emirates Citi Platinum Card, chances are you’re traveling a lot so the complimentary travel insurance will likely come in handy. If you ever have a flight cancelled or personal property lost, damaged or stolen, you’re covered.
But the real novel perks come in the form of pampering at the airport. With the Emirates Citi Platinum Card, you’re entitled to one complimentary chauffer drive to and from an Australian airport and access to the Emirates lounge at the airport.
Granted, all this comes with a somewhat lofty pricetag of $0 annual fee for the first year ( $229 thereafter) but if you enjoy any of the other features of this card, it’s well worth it.
When you transfer balances, you get a 0.9% p.a. for 9 months for the life of the balance. However, you can’t transfer the balance from another Citi card and you have to pay down the transferred balance before any of your payments go towards your retail purchases, which ring up at a less than ideal 20.99% p.a.. Still, if you are moving from another card or consolidating credit card debt, this is a very nice card.
Bottom-line: If you’re fond of travelling and feel like you deserve some luxury treatment, this card’s for you. The rewards rack up quickly and the concierge and travel insurance provide a great sense of comfort and security, even if you never use them (though you likely will, if you travel enough to warrant this card). Pony up the $0 annual fee for the first year ( $229 thereafter) a year and bite the bullet with the 20.99% p.a. interest rate if you ever carry a balance but live it up with your chauffeured ride to the airport and lavish lounge privileges.
Read the official terms and conditions
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