Standard Chartered BankStandard Chartered Emirates World Credit Card – Benefits, Fees & Eligibility
Is the Standard Chartered Emirates World Credit Card Right for You?
The Standard Chartered Emirates World Credit Card is best suited for users who prioritize Travel, International Spends, Premium. With a joining fee of ₹3,000 + GST and a renewal fee of ₹3,000 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 3 Skywards miles on every Rs. 150 spent; 6 Skywards miles on every Rs. 150 spent on Emirates.com..
Key Card Details
₹3,000 + GST
₹3,000 + GST
Reward Points
3.5% on all foreign currency spends.
Notable Perks
Domestic Lounge
2 complimentary domestic lounge access passes every month via Priority Pass on spending over Rs. 10,000.
International Lounge
2 complimentary international lounge access passes every month via Priority Pass on spending over Rs. 10,000.
Insurance
Accidental air death cover of Rs. 1 Cr, flight/trip delay, baggage loss, and travel document cover.
Fee Waiver
Nil
Movie Benefits
Not applicable
Golf
1 free golf lesson/month, 50% discount on golf games, and 4 complimentary green fees/year.
Things to Consider
The card incurs a substantial annual fee with no clear spend-based waiver.
A high foreign currency markup of 3.5% applies to all international transactions.
There is a redemption fee of Rs. 99 plus taxes for each Skywards miles request.
Benefits & Features
Welcome Offer
Receive 4,000 bonus miles as a welcome benefit.
Rewards Rate
Earn 3 Skywards miles on every Rs. 150 spent; 6 Skywards miles on every Rs. 150 spent on Emirates.com.
Reward Type
Reward Points
Reward Redemption
Skywards miles are automatically transferred to Emirates Skywards account for flight bookings and services on emirates.com.
Domestic Lounge Access
2 complimentary domestic lounge access passes every month via Priority Pass on spending over Rs. 10,000.
International Lounge Access
2 complimentary international lounge access passes every month via Priority Pass on spending over Rs. 10,000.
Premium Benefits
1 free golf lesson/month, 50% discount on golf games, and 4 complimentary green fees/year.
Insurance Coverage
Accidental air death cover of Rs. 1 Cr, flight/trip delay, baggage loss, and travel document cover.
Movie
Not applicable
Dining
Not applicable
Travel Benefits
Offers exclusive travel perks, complimentary lounge access, and insurance, especially for Emirates flyers.
What matters, explained clearly
Standard Chartered Emirates World Credit Card
The Standard Chartered Emirates World Credit Card is a co-branded offering from Standard Chartered Bank and Emirates, designed to provide exclusive rewards and benefits primarily for travelers, especially those who frequently fly with Emirates. It offers perks such as complimentary lounge access, shopping benefits, and golf privileges. Cardholders earn Skywards miles on their spending, which are automatically transferred to their Emirates Skywards account for flight bookings and other services. The card comes with an annual fee of Rs. 3,000 plus GST, which is justified by the exclusive offers including a welcome bonus of 4,000 Skywards miles and double Skywards miles on Emirates.com purchases. Additionally, it provides features like EMI facilities and cashback on duty-free shopping.
Welcome Benefits
- Receive 4,000 bonus miles as a welcome benefit.
- Get a renewal bonus of 1,500 Skywards miles.
Fees
- Joining Fee: Rs. 3,000 + GST
- Renewal Fee: Rs. 3,000 + GST
- Spend-Based Waiver: Nil
- Rewards Redemption Fee: Rs. 99/- plus applicable taxes per redemption request.
- Foreign Currency Markup: 3.5% on all foreign currency spends.
- Interest Rates: 3.75% per month.
- Fuel Surcharge: 1% fuel surcharge or Rs. 10 (whichever is higher). The card does not provide any fuel surcharge waiver.
- Cash Advance Charges: 3% of the amount withdrawn or Rs. 300 (whichever is higher).
Rewards
- Rewards Rate:
- Earn 3 Skywards miles on every Rs. 150 spent on all transactions.
- Earn 6 Skywards miles on every Rs. 150 spent on Emirates.com transactions.
- Shopping: Get 5% cashback on duty-free shopping, up to a maximum of Rs. 1,000 monthly.
- Travel:
- Domestic Lounge Access:
- Complimentary domestic lounge access to several participating lounges via the MasterCard lounge program.
- Receive 2 complimentary domestic lounge access passes every month via Priority Pass on spending over Rs. 10,000 in the previous month.
- International Lounge Access: Receive 2 complimentary international lounge access passes every month via Priority Pass on spending over Rs. 10,000 in the previous month.
- Domestic Lounge Access:
- Golf:
- Get 1 free golf lesson each month.
- Enjoy a 50% discount on all golf games.
- Access 4 complimentary green fees per calendar year, with a maximum of 1 green fee per calendar month.
- Insurance Benefits:
- Accidental air death coverage of Rs. 1 crore.
- Coverage for flight delay up to USD 300.
- Coverage for trip interruption up to USD 1,000.
- Coverage for delayed baggage up to USD 600.
- Coverage for loss of travel documents up to USD 1075.
- Coverage for hijacking up to USD 6,000.
- Movie & Dining: Not applicable.
Rewards Redemption Guide
- The Skywards miles earned through the Emirates World Card are automatically transferred to your Skywards Emirates account.
- You can use these Skywards miles for flight bookings and availing services on emirates.com.
Card Review
The Standard Chartered Emirates World Credit Card is highly recommended for individuals who frequently travel, particularly with Emirates. It offers exclusive travel perks and additional cashback offers, providing significant value due to its co-branded partnership with Emirates.com, which grants extra privileges to customers traveling via Emirates. Beyond travel, the card also provides lounge access, golf program benefits, and opportunities to improve financial power through loans and other exclusive offers. It is an excellent choice for those seeking exciting travel benefits alongside rewards on regular spending.
Important Product Details
- Receive a bonus of 4,000 miles as a welcome gift.
- Earn 6 Skywards miles on every Rs. 150 spent on Emirates.com.
- Earn 3 Skywards miles on every Rs. 150 spent on other transactions.
- Enjoy complimentary domestic lounge access.
- Benefit from complimentary international lounge access based on monthly spends.
- Get 5% cashback on duty-free shopping.
- Receive 1 complimentary golf lesson each month and a 50% discount on all golf games.
- Includes coverage of Rs. 1 Crore in case of an overseas air accident.
- The joining fee is Rs. 3,000 + GST.
- The renewal fee is Rs. 3,000 + GST.
- A rewards redemption fee of Rs. 99 + applicable taxes applies per request.
- A foreign currency markup of 3.5% is charged on all foreign currency spends.
Other Details
- Loans availed through the Emirates World Credit Card can be paid back in easy monthly installments over a period of 12 to 60 months.
- In case of a lost Emirates World Credit Card, it should be reported as soon as possible to the Standard Chartered bank customer care through their helpline number.