CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Standard Chartered

Standard Chartered Emirates World Credit Card

48
Ranked #35 of 170 in credit
creditMastercardPremium-Travel

Standard Chartered's Emirates-co-branded premium travel card offering automatic Emirates Skywards Miles accrual, domestic and conditional international lounge access, and a Rs1 crore air accident cover — a niche but strong option specifically for Emirates loyalists.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value44/100 · weight 71%
≈ 2.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks32/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹3,000 + 18% GST
= ₹3,540 total
Annual fee
₹3,000 + 18% GST
= ₹3,540 / year total
Waiver: Not detailed; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
2

Reward structure

CategoryTypeRateCapNotes
travelmiles1.50%(3 mi @ ₹0.50)——
all_spendsmiles2.00%(2 mi @ ₹1.00)—Estimated base rate; verify exact miles-per-spend ratio at application — not precisely documented in available sources
fuelmiles0.50%(1 mi @ ₹0.50)——
online_spendsmiles0.50%(1 mi @ ₹0.50)——
diningmiles0.50%(1 mi @ ₹0.50)——
groceriesmiles0.50%(1 mi @ ₹0.50)——

Welcome offer

Not detailed in current sources; verify at application

Milestone benefits

Pros

  • Direct Emirates Skywards Miles earning (auto-converted, no manual transfer needed) — valuable for frequent Emirates flyers
  • up to 20% discount on hotel/flight bookings via EaseMyTrip
  • solid air accident insurance cover

Cons

  • Narrow value proposition tied specifically to Emirates Skywards loyalty program — poor fit for non-Emirates flyers
  • international lounge access has spend conditions

What's inside

More benefits

  • EaseMyTrip booking discount

    Up to 20% discount on hotel and flight bookings via EaseMyTrip

    unlimited. EaseMyTrip platform bookings

Insurance cover

text
₹NaN

Eligibility

text
High income indicative (premium co-brand card); verify exact criteria at application

Small print

Fuel surcharge:Not a highlighted benefit