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Emirates World Credit Card

Standard Chartered
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Airline Co-branded Lounge Access Miles/Travel Rewards Travel

Annual Fee

₹3,000

Rewards/₹100 ⓘ

₹1.40 - ₹2.80

Normalized to balance base rate with bonus categories

Interest Rate

45.00%

Credit Score

750+

At a Glance

Key Benefits

4K welcome + 1.5K renewal Skywards miles, 6X on Emirates, 3X on all spends, Rs.1Cr air accident insurance, 5% duty-free cashback

Lounge Access

25+ domestic lounges unlimited, 2 Priority Pass visits per month on Rs.10K spend

Eligibility

Age: 21-65 years, Min income: Rs.50,000/month, Credit Score: 750+, Resident Indians

Quick Details

Annual Fee
₹3,000 #248
Joining Fee
₹3,000 #248
Interest Rate
45.00% p.a. #244
Forex Markup
3.50% #75
Rewards/₹100
₹1.40 - ₹2.80 #112
Reward Type Reward Points
Reward Currency Miles
Domestic Lounge Visits
Unlimited #1
Min Credit Score
750+ #186
Min Monthly Income ₹50
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹500
Cash Advance Fee ₹300 3.00% (min ₹300)
Over Limit Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹100

Reward Structure

Base

All Transactions

₹1.40 /₹100
Partner

Emirates Transactions

₹2.80 /₹100

Reward Calculator

₹
Allocate by Category100%
Emirates Transactions
4.0 pts
60%₹30,000
Other Spends
2.0 pts
40%₹20,000
Your Rewards
Points Earned1,600
Cash Value₹1,120
Breakdown
Emirates Transactions1,200
Other Spends400
Total Value₹1,120
Quick amounts:

Milestone Benefits

Welcome Bonus

4,000 bonus Skywards miles on card activation (worth approx Rs.2,800)

₹2,800

value

Renewal Benefit

1,500 bonus Skywards miles on annual fee payment

₹1,050

value

Airport Lounge Access

Domestic Free
Unlimited

visits

Priority Pass Free
2

visits per month

Insurance Coverage

Air Accident

₹1,00,00,000

Rs.1 Crore air accident insurance when traveling overseas on tickets booked with card, age up to 65 years

Flight Delay

₹50,000

Flight delay compensation when tickets booked with card, subject to airline policy and delay duration

Baggage Loss

₹50,000

Baggage delay and loss cover for flight tickets booked with card

Trip Cancellation

₹25,000

Hijacking and trip interruption cover during international travel

Lost Card

₹50,000

Zero liability on fraudulent transactions after reporting card loss

Lifestyle Perks

Custom

1 /month

1 free golf lesson per month at participating courses

Custom

50% discount on all golf games at participating courses

Custom

4 /year

4 complimentary green fees per calendar year (max 1 per month)

Cashback

1 /month

5% cashback on duty-free shopping up to Rs.1,000 per month

Custom

1

Automatic monthly transfer of earned Skywards miles to Emirates account

Emi

EMI conversion facility for purchases with flexible tenure options

Balance Transfer

Balance transfer from other cards at competitive rates

Contactless

Contactless Mastercard for faster tap-and-pay transactions

Quick Analysis

Standard Chartered Emirates World Credit Card is ideal for frequent Emirates flyers who can maximize the 6X miles earning on Emirates bookings and benefit from automatic Skywards miles transfer. The complimentary lounge access and travel insurance add value, but the Rs.3,000 annual fee with no waiver and restriction to Emirates Skywards miles only limit its appeal. Best suited for travelers loyal to Emirates with consistent international spending.

Pros

  • 4,000 welcome bonus Skywards miles on activation
  • 1,500 renewal bonus Skywards miles annually
  • 6 Skywards miles per Rs.150 on Emirates transactions (4% return)
  • 3 Skywards miles per Rs.150 on all other spends (2% return)
  • Automatic monthly transfer of miles to Emirates Skywards account
  • 2 Priority Pass lounge visits per month on Rs.10K spend
  • 25+ domestic lounge access via Mastercard program
  • 5% cashback on duty-free shopping (max Rs.1,000/month)
  • 1 free golf lesson per month + 50% discount on games
  • 4 complimentary green fees per calendar year
  • Rs.1 Crore air accident insurance for overseas travel
  • Comprehensive travel insurance (flight delay, baggage, hijacking)

Cons

  • High annual fee of Rs.3,000 with no waiver option
  • Limited to Emirates Skywards miles only
  • Requires Rs.10,000 monthly spend for lounge access
  • High forex markup at 3.5% + GST
  • Low base earning rate (3 miles per Rs.150 = 2%)
  • Priority Pass limited to 2 visits per month
  • Golf benefits restricted to 1 green fee per month
  • High interest rate at 45% p.a.
  • No milestone benefits beyond renewal bonus
  • Limited value for non-Emirates flyers

Best For

Frequent Emirates flyers, international travelers, golf enthusiasts

Not Ideal For

Domestic-only travelers, those seeking flexible reward redemptions

Frequently Asked Questions

What is the joining and annual fee for Standard Chartered Emirates World Credit Card?
The joining fee is Rs.3,000 + GST and the annual fee is also Rs.3,000 + GST. There is no annual fee waiver option available for this card.
How do I earn Emirates Skywards miles with this card?
You earn 6 Skywards miles per Rs.150 spent on Emirates transactions (emirates.com bookings), and 3 Skywards miles per Rs.150 spent on all other eligible transactions. Fuel purchases and cash withdrawals are excluded.
What is the welcome and renewal bonus?
You receive 4,000 bonus Skywards miles as a welcome benefit upon card activation (worth approx Rs.2,800). Additionally, you get 1,500 bonus Skywards miles on paying your annual renewal fee each year.
How are Skywards miles transferred to my account?
The Skywards miles you earn through your Emirates World card are automatically transferred to your Emirates Skywards account each month. Standard Chartered Bank India credits your Skywards account with any miles earned in the previous billing cycle.
What lounge access benefits are included?
You get complimentary access to 25+ domestic lounges through the Mastercard lounge program. Additionally, you receive 2 complimentary international Priority Pass lounge visits per month, provided you spend Rs.10,000 or more in the previous month.
What is the duty-free shopping cashback benefit?
You receive 5% cashback on duty-free shopping purchases, up to a maximum of Rs.1,000 per month. This benefit is ideal for international travelers making duty-free purchases at airports.
What golf benefits are included with this card?
You get 1 free golf lesson each month at participating courses, a 50% discount on all golf games, and 4 complimentary green fees per calendar year. Note that you can avail only 1 complimentary green fee per calendar month.
What travel insurance coverage is provided?
The card includes Rs.1 Crore (Rs.10 million) air accident insurance for overseas travel when tickets are booked with the card. Additional coverage includes flight delay compensation, baggage delay and loss cover, hijacking cover, and zero liability on fraudulent transactions after reporting card loss.
What is the eligibility criteria to apply?
You must be 21-65 years old, a resident of India with a steady monthly income (minimum Rs.50,000/month estimated), maintain a credit score of 750+, and reside in Standard Chartered sourcing cities. Both salaried and self-employed individuals can apply.
What documents are required for application?
Required documents include valid KYC documents (Voter ID/Aadhaar/Passport/Driving License), PAN card or Form 60, income proof (salary slips for salaried, IT returns for self-employed), and bank or credit card statements.
What is the interest rate on this card?
The monthly interest rate is 3.75% per month, which annualizes to an APR of 45.00% on outstanding balances. You get up to 50 days interest-free credit period if you pay the full amount due each billing cycle.
What is the forex markup fee?
The foreign currency markup is 3.5% + GST on all international transactions, including online purchases in foreign currency, ATM withdrawals abroad, and merchant transactions outside India.
What are the late payment charges?
Late payment fee is Rs.500 for dues in the standard range. Interest of 3.75% per month (45% p.a.) applies on outstanding balances if the minimum due is not paid.
What is the cash advance fee?
Cash advance fee is 3% of the withdrawn amount or Rs.300, whichever is higher. Interest of 3.75% per month starts from the transaction date with no interest-free period on cash withdrawals.
Are add-on cards available?
Yes, you can get up to 3 add-on cards for family members aged 21 years and above. Add-on cardholders share the same credit limit and Skywards miles benefits.
How do I redeem Skywards miles?
Skywards miles are automatically credited to your Emirates Skywards account each month. You can redeem them directly through Emirates for flight bookings, upgrades, hotel stays, car rentals, and experiences with Emirates and partner airlines.
What is the value of Skywards miles?
Emirates Skywards miles are valued at approximately Rs.0.60 to Rs.0.80 per mile, depending on redemption. The 6X earning rate on Emirates transactions provides an effective return of around 2.8% to 3.2%, while the 3X base rate provides 1.4% to 1.6% return.
Is there a fuel surcharge waiver?
No, Standard Chartered Emirates World Credit Card does not offer fuel surcharge waiver. Fuel transactions are also excluded from Skywards miles earning.
Can I convert purchases to EMI?
Yes, you can convert eligible purchases to EMI with flexible tenure options. Contact Standard Chartered customer care for EMI conversion rates and applicable terms.
What is the credit limit range?
The credit limit ranges from Rs.1,00,000 to Rs.10,00,000 based on your income, credit score, and creditworthiness as assessed by the bank.

User Reviews

Our Rating

3.6
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on Standard Chartered's website

Rating Breakdown

Rewards
3.7/5 Top 44%
Benefits
4.4/5 Top 36%
Fees
2.6/5 Top 83%
Value for Money
4.1/5 Top 11%
User Reviews
3.0/5 Top 50%

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