The best credit card is the one that meets your needs and you can afford. The wrong credit card can cost you a lot more money if you do know what you are being charged. Generally if you need a credit card, your situation will determine which bank and which credit card is best.

Credit Card balance, will you leave a small or large balance on your credit card? If you plan to have a fairly large credit card balance then a low interest credit card would be the best credit card.

If you don’t plan to use a credit card very often then a low fee credit card would minimize the fees and charges you would otherwise pay for a credit card.

If you plan on spending a lot of money through your credit card either for business or lifestyle spending, you should look into a reward or frequent flyer type card and be rewarded, these credit card can be gold or platinum type credit cards and come with loads of features.

Your current financial situation along with the credits cards intended purpose should guide you to the right decision. Don be in a rush and make a sensible choice and you can enjoy the credit card that complements your life’s requirements

World class Emirates Airlines and financial giant Citibank have partnered to offer Australians the Citibank Emirates Card with unique benefits and advantages surpassing those of other cards.

Business Frequent Flyers especially will appreciate the Citibank Emirates Card for the many extras that successful and busy professionals need and deserve. Australian travelers will enjoy both the exclusive conveniences of this Citibank card and the luxury of flying Emirates.

Emirates is an award-winning international airline that will take you to 100 destinations over six continents in grand style. On Emirates you are treated like royalty, enjoying the luxury of private suites in first class and lie-flat seats in business class.

Fly the Emirates A380 and experience the first on-board shower spa in aviation history. One of the world’s largest airlines, Emirates provides Australian travelers with 50-70 flights every week via Dubai to Europe, Asia, Africa, the Americas and the Middle East.

With the Emirates Skywards Frequent Flyers Program, you earn 1.5 Skywards Miles for every $1 spent using your Citibank Emirates Card. These points become available to you monthly and are redeemable for all international Emirates Airlines flights, domestic flights on Virgin Blue Airlines, hotel stays and even merchandise.

The new Citibank Emirates Card entitles all Australian Frequent Flyers to personal and complimentary chauffeur service to and from the airport on all Business and First Class flights booked with your card. Even Economy Class travelers are treated to one personal and complimentary chauffeur service every year.

As an Australian Citibank Emirates Cardholder you, along with a guest, enjoy access to Emirates world class lounges and, in Dubai, access to the Mahaba Lounge for yourself and two children. And the Citibank Emirates Card’s 24/7 Concierge Service is available to help you do or find whatever you need during your travels.

You and your family are even covered by free international travel insurance and free insurance on all your purchases. The Emirates Card covers your bases with emergency credit card replacement and emergency travel assistance services. And all of your purchases are carefully monitored to protect you from fraud, with any irregular activity reported to you instantly by phone.

Do you have high interest balances on your other credit cards? Transfer those balances to your Citibank Emirates Card and enjoy a low interest rate of 4.9% for the lifetime of the balance. On purchases, you are entitled to a 55-day interest free period as long as you pay your balance in full when due.

For true convenience, the Citibank Emirates Card offers credit limits of up to $100,000, anytime access to your account online, and a competitive annual interest rate of 19.99%.

Additional cards attached to your primary account are also available.

Annual fees for similar cards offering much less are high, but with the Emirates Card you pay only $199 per year and enjoy all the extras. The Citibank Emirates Card is a high-end credit card requiring a good credit rating and an annual income of at least $50,000.