Emirates Skywards Rewards World Elite Mastercard®
Basic Information
Program ID: emirates-skywards-rewards-world-elite-mastercard
Issuer: Barclays
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:08
Last Scraped: 01/15/2026 17:11
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $99.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $70,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Please allow 6-8 weeks after you meet the spending requirement for bonus miles to be credited to your Skywards account.
Rewards Program
Reward Type: Airline Miles (Emirates Skywards Miles)
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Emirates Purchases, 2x Travel Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Skywards Miles expire 3 years from the date they are earned.
Transfer Partners: Emirates Skywards is a direct airline loyalty program. Miles can be redeemed on Emirates and partner airlines such as Qantas, United, Copa Airlines, Japan Airlines, Korean Air, Malaysia Airlines, S7 Airlines, South African Airlines, TAP Air Portugal.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: Welcome Bonus: Typically offers a substantial welcome bonus (e.g., 50,000-75,000 Skywards Miles) after spending a specified amount (e.g., $3,000) within the first 3 months of account opening. Eligibility Requirements: Applicants are generally ineligible if they have opened more than 6 new credit card accounts across *all* issuers in the past 24 months (Barclays 6/24 Rule). Barclays also enforces a 'one bonus per product lifetime' rule for this specific card product. Approval is subject to excellent credit history (typically 740+ FICO), a low debt-to-income ratio, and a review of recent credit applications with Barclays and other issuers.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Barclays accounts, suspicious spending patterns, frequent balance transfers without genuine spending, multiple recent applications for Barclays cards, failure to pay on time, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent for frequent Emirates flyers, generous Skywards miles earning, includes valuable travel perks like lounge access and priority boarding, no foreign transaction fees, good welcome bonus.
Top Negative Feedback:
High annual fee for infrequent travelers, miles redemption can be complex or limited, high APR if carrying a balance.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- American Express Platinum Card
- United Explorer Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $717.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 96 months
Store vs Co-brand: 20% Co-brand / 80% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: September 2023