The Standard Chartered Emirates World Credit Card is a premium travel card designed for frequent Emirates Airlines travelers. It offers a host of travel-related benefits, including reward miles, airport lounge access, and exclusive privileges tailored to enhance the travel experience.
Overview
| Feature | Details |
|---|---|
| Card Type | Travel Credit Card |
| Reward Rate | Up to 6 Skywards Miles per ₹150 spent |
| Reward Value | 1 Skywards Mile = ₹0.25 |
| Joining Fee | ₹3,000 + GST |
| Unique Selling Points | Complimentary lounge access, milestone rewards, discounts on Emirates flights |
| Rating (out of 5) | 4.4 |
Table of Contents
Welcome Benefits
| Welcome Benefit | Details |
|---|---|
| Bonus Skywards Miles | 4,000 Skywards Miles on first transaction |
| Additional Benefits | Complimentary lounge access and discounts on Emirates flight bookings |
Charges for Card
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹3,000 + GST |
| Renewal Fee | ₹3,000 + GST |
| Finance Charges | 3.49% per month (41.88% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
Standard Chartered Emirates World Credit Card Benefits
Travel Benefits: Access to 25+ domestic lounges through the Mastercard Lounge Program, and 2 complimentary international lounge visits per month via Priority Pass (upon spending ₹10,000 in the previous month).
Golf Privileges: One free golf lesson per month, 50% discount on all golf games, and 4 complimentary green fees annually.
Insurance Coverage: Includes ₹1 crore overseas air accident coverage, protection against flight delays, baggage delays, and loss of travel documents.
Fuel Surcharge Waiver: Waiver of fuel surcharges at petrol pumps.
Movie Ticket Discounts: Discounts or free tickets for movie bookings.
Dining Offers: Discounts at partner restaurants and dining establishments.
Insurance and Protection: Purchase protection, extended warranty, and fraud liability coverage.
Rewards
| Spend Category | Reward Rate |
|---|---|
| Emirates.com Spends | 6 Skywards Miles per ₹150 spent |
| International Spends | 4 Skywards Miles per ₹150 spent |
| All Other Spends | 2 Skywards Miles per ₹150 spent |
| Reward Value | 1 Skywards Mile = ₹0.25 |
| Rewards Expire in | 3 years |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| Quarterly Spend of ₹1 Lakh | 2,000 Skywards Miles |
| Annual Spend of ₹5 Lakh | 1 free Emirates flight voucher |
Redemption
Skywards Miles can be redeemed for:
- Flight Bookings: Use miles to book flights with Emirates Airlines.
- Hotel Stays and Car Rentals: Redeem miles for hotel bookings and car rentals through participating travel partners.
- Gift Vouchers: Available for various brands and services.
Airport Lounge Access
| Access Type | Details |
|---|---|
| Domestic Lounges | 8 complimentary visits per year |
| International Lounges | 4 complimentary visits per year via Priority Pass |
| Add-on Cardholder Benefits | Same benefits as primary cardholder |
Forex Markup Fee
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
Who Should Get the Card
As the name suggests, the Standard Chartered Emirates World Credit Card should be the card of choice for frequent Emirates travelers who wish to maximize their travel benefits. Standard Chartered Bank, keeping its target customers in mind, offers attractive rewards for Emirates bookings, complimentary lounge access, and exclusive privileges tailored for a premium travel experience. Whether you are a frequent flyer, a golf enthusiast, or someone who values comprehensive insurance coverage while traveling, this card has something for you. Unlock a world of luxury and convenience with the Standard Chartered Emirates World Credit Card.
Eligibility for Standard Chartered Emirates World Credit Card
To apply for the Standard Chartered Emirates World Credit Card, applicants must meet the following criteria:
- Age: 21 to 65 years for both salaried and self-employed individuals
- Income: Minimum ₹90,000 per month for salaried applicants; ₹12 lakh per annum for self-employed applicants
- Documents Required: Aadhar Card, PAN Card, proof of income (latest salary slips, bank statements, or ITR), and residence proof.
Card Review
The Standard Chartered Emirates World Credit Card is perfect for frequent Emirates flyers who want to maximize their travel benefits. With high reward rates, complimentary lounge access, and valuable milestone rewards, it offers significant value for regular Emirates travelers.
- Overall Rating: 4.4
- Benefits: 4.6
- Fees: 4.1
- Customer Service: 4.3
Pros and Cons
| Pros | Cons |
|---|---|
| High reward rates on Emirates bookings | High annual fee |
| Complimentary lounge access | Limited reward options outside of Emirates |
| Attractive milestone benefits | High foreign transaction fee |
Similar Cards to Standard Chartered Emirates World
| Feature | Standard Chartered Emirates World Credit Card | HDFC InterMiles Signature Credit Card | SBI Air India Signature Credit Card | Citi PremierMiles Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹3,000 + GST | ₹2,500 + GST | ₹4,999 + GST | ₹3,000 + GST |
| Lounge Access | 8 domestic, 4 international | 8 domestic, 4 international | 8 domestic, 4 international | 10 domestic, 2 international |
| Reward Rate | Up to 6 miles per ₹150 spent | Up to 8 miles per ₹150 spent | Up to 30 miles per ₹100 spent | Up to 10 miles per ₹100 spent |
| Reward Value | 1 mile = ₹0.25 | 1 mile = ₹0.25 | 1 mile = ₹0.35 | 1 mile = ₹0.45 |
| Special Benefits | Emirates flight rewards, milestone rewards | Partner flight rewards, milestone rewards | Air India flight rewards, lounge access | Travel rewards, hotel stays |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Travel Credit Cards in India
- How to Maximize Credit Card Rewards
- Standard Chartered Credit Cards
For more detailed information about Standard Chartered credit cards and other financial products, you can visit the official Standard Chartered Bank website.
FAQ
Q: What is the annual fee for the Standard Chartered Emirates World Credit Card?
A: The annual fee is ₹3,000 + GST, with the same amount charged for renewal each year.
Q: How can I earn reward points with the Standard Chartered Emirates World Credit Card?
A: You can earn up to 6 Skywards Miles per ₹150 spent on Emirates bookings made through the Emirates website.
Q: How can I redeem the Skywards Miles earned with the Standard Chartered Emirates World Credit Card?
A: You can redeem Skywards Miles for flight bookings, seat upgrades, and additional services with Emirates Airlines. Miles can also be redeemed for hotel stays, car rentals, and shopping via Emirates’ partner network.
Q: Does the Standard Chartered Emirates World Credit Card offer any special benefits for frequent flyers?
A: Yes, the card provides complimentary lounge access, discounts on Emirates flight bookings, and priority check-in at airports.
Q: What milestone benefits are available with the Standard Chartered Emirates World Credit Card?
A: You can earn 2,000 Skywards Miles for every quarterly spend of ₹1 Lakh and a free Emirates flight voucher upon spending ₹5 Lakh annually.
Q: Is the Standard Chartered Emirates World Credit Card worth it for frequent Emirates travelers?
A: Absolutely. With high rewards on Emirates bookings, complimentary lounge access, and significant milestone rewards, this card offers great value for frequent travelers with Emirates Airlines.
