Credit Cards » Credit Card Reviews » Review Of Emirates Skywards Premium World Elite Mastercard (2024)
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Review Of Emirates Skywards Premium World Elite Mastercard (2024)

The Emirates card offers lounge access and TSA Precheck reimbursement, but there are better airline cards for such a high annual fee
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Emirates Skywards Premium World Elite Mastercard

Emirates Skywards Premium World Elite Mastercard® review

Rewards Plan

1X – 3X 3X miles per dollar on eligible Emirates purchases, 2X miles for travel purchases and 1X mile for all other purchases

Welcome Bonus

40,000 miles 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$499

APR

20.74% – 29.74%
Emirates Skywards Premium World Elite Mastercard

Emirates Skywards Premium World Elite Mastercard® review

Rewards Plan

1X – 3X 3X miles per dollar on eligible Emirates purchases, 2X miles for travel purchases and 1X mile for all other purchases

Welcome Bonus

40,000 miles 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days

0% Intro

N/A

PROS

CONS

APR

20.74% - 29.74%

Annual Fee

$499

Balance Transfer Fee

5% or $5, whichever is greater

Credit Requirements

Good - Excellent

The Emirates Skywards Premium World Elite Mastercard® is a high-end credit card tailored for frequent travelers and Emirates Skywards members. With this card, users earn Emirates Skywards Miles for every eligible purchase, which can be redeemed for flights, hotel stays, and other travel expenses.

If you’re a high spender and brand loyal to Emirates, the Skywards Premum World Elite Mastercard could be a good choice for you. There are some nice potential savings, which should easily offset the cost of the annual fee. Cardholders enjoy complimentary airport lounge access and various travel insurance coverages.

There is the potential to save up to four times the annual fee in Emirates flight discounts alone. When added to the miles bonuses, Emirates Gold status and other perks, regular flyers should have no problems recouping the annual fee.

  • Savings on Emirates Tickets
  • Emirates Gold Status
  • Anniversary Bonus
  • Lounge Access
  • Discount On Gift Miles
  • TSA PreCheck or Global Entry Reimbursement
  • Complimentary FICO Credit Score Access
  • High Annual Fee
  • High Spending Requirements
  • No Inflight Perks
  • No Insurances

Can I get pre-approved?

There is no pre approval option for this card on the Barclays website. However, you may receive a mailer or other promotional material offering pre approval for this or other Barclays credit cards.

How do I redeem rewards?

There are a number of options to redeem your Emirates miles including booking award flights with Emirates or global airline partners, and free nights with Emirates hotel partners. If you want to redeem your rewards, you will need to log into your Emirates account and then click on “redeem” to explore the options. You can then search for flights or hotel stays as normal, but the cost in miles will be displayed.

How hard is it to get an Emirates Skywards Premium card?

You do need to have excellent credit to qualify for the Emirates Skywards Premium World Elite Mastercard and Barclays will need to assess to see if you have sufficient disposable income to support the card. This may make it tricky for some people to get the card.

In this Review

Estimating Your Rewards: A Practical Simulation

Check out the table below to see how using the Emirates Card could earn you rewards. It's a simulation that estimates the benefits based on your everyday spending in different categories.

Remember, this table is just an estimate, so your actual rewards may differ depending on your personal spending habits and other factors. But it can give you an idea of the card's potential advantages.

Emirates Skywards Premium World Elite Mastercard® review

Spend Per Category
Emirates Skywards Premium World Elite Mastercard
$10,000 – U.S Supermarkets
10,000 miles
$3,000 – Restaurants
3,000 miles
$5,000 – Airline
15,000 miles
$4,000 – Hotels
8,000 miles
$4,000 – Gas
4,000 miles
Estimated Annual Miles
40,000 Miles

Pros and Cons

Just like any other credit card, the Emirates Skywards Premium card has some advantages and disadvantages:

Pros
Cons
Savings on Emirates Tickets
High Annual Fee
Emirates Gold Status
High Spending Requirements
Anniversary Bonus
No Inflight Perks
Lounge Access
No Insurances
Discount On Gift Miles
TSA PreCheck or Global Entry Reimbursement

You can save up to $499 on up to four Emirates tickets, representing a total saving of as much as $1,996.

During your first year of holding this card, you’ll receive Emirates Gold tier membership automatically. You can then retain this status by spending at least $40,000 during the card membership year.

You’ll receive a 10,000 miles bonus on your card member anniversary, if you spend $30,000 or more on purchases throughout the year.

The card is provided with a Priority Pass Select, which offers lounge access to more than 1,200 lounges around the world for you and your guests. There are no limits to the number of visits you can make to lounges with this level of membership. 

When you buy or gift miles, you can receive 25% savings on your purchase.

When you use your card to pay for your TSA PreCheck or Global Entry application fees, you’ll receive a statement credit automatically. This credit is available for up to $100 every five years.

Whether you want to build your credit or you are simply interested in the progress you’re making with your credit report, being able to access your credit score is crucial. This card provides complimentary access to your FICO score online and you can receive alerts if your score changes.

Although it should be quite simple to offset the cost of the annual fee, it is one of the highest on the market. So, you’ll need to be prepared to pay the annual fee, with no waiver for the first year.

If you want to access the premium benefits of this card including the annual miles bonus and ongoing Gold tier membership, you will need to meet a high spending requirement.

Unlike many luxury credit cards, the Emirates Skywards Premium does not offer any perks that will enhance your airport or inflight experience.

There are no free checked bags, no priority boarding that are frequently provided with other airline cards.

Again, this is fairly standard with travel or co-branded cards, but you don’t get travel insurances included in the card benefit package.

Who Should Consider The Emirates Premium Card?

Since this is a co-branded Emirates credit card, it is obviously best for those who regularly fly with this carrier. To get the maximum value of this card, you’ll need to fly at least a few times a year with Emirates. However, there are no limits to the miles you can earn and the miles don’t expire. So, even if you only fly once a year, you can still work towards award flights.

The card could also be a good fit for high spenders. If you typically spend $40,000 or more with your credit card per year, you can access some excellent benefits, particularly if you enjoy flying with Emirates.

If you would like to check more options for an airline card, here are some alternatives:

Card
Rewards
Annual Fee

Delta SkyMiles Gold American Express Card Review

1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
$150, $0 intro first year (Rates & Fees)

1X – 2X 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
$99 (waived for the first 12 months)

Hawaiian Airlines World Elite Mastercard

1X – 3X 3X miles per dollar spent on Hawaiian Airlines purchases, 2X miles per dollar spent on gas, dining and grocery store purchases and 1 mile per dollar on all other purchases
$99

southwest_rapid_rewards_premier_art

1X – 3X 3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.
$99

British Airways Visa Signature® card

1x – 3x 3x Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL, 2x on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
$95
united explorer
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
$95 ($0 first year)

FRONTIER Airlines World Mastercard® review

1x – 5x 5x miles per dollar on purchases at flyfrontier.com, 3x miles per dollar at restaurants and 1x miles on all other purchases
$89

Tips for Using the Emirates Slywards Premium Card

As an airline and travel credit card, here are the main ways to leverage it maximize your benefits:

This card is provided with a Priority Pass Select membership, which offers unlimited access to lounges in approximately 1,200 locations around the world.

So, before you fly make sure that you check if there is a Priority Pass lounge at your departure airport.

If you’re a frequent flyer, you are likely to already be aware of the TSA PreCheck and Global Entry programs.

However, if you’ve not yet signed up, make sure that you do and you use your card to pay for the application fee. You’ll be reimbursed up to $100 every five years.

though you may consider this card a good option for booking your Emirates fares, you should also consider having this card in your wallet while you’re away.

With no foreign transaction fees, there is the potential to save hundreds of dollars on any transactions you make when you’re away.

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FAQs

There are no official income requirements for this card, but you do need to have excellent credit. Additionally, since this is a high spend card, Barclays is likely to check your income to ensure that you have sufficient disposable funds to fully utilize the card.

This card is not a good idea if you’re not completely brand loyal to the Emirates airline. You’ll only get the most from the card if you fly with Emirates on a regular basis. If this is not the case, you are likely to be better suited to a more general travel rewards credit card, which could offer more flexible rewards and redemptions.

Unfortunately, the Emirates Skywards Premium does not offer car rental insurance.

Compare Emirates Premium World Elite Mastercard

The Amex Platinum card is a clear winner as it offers much higher annual cashback value, luxury travel perks, and various travel protections.

Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits

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Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Welcome Bonus:
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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