Standard Chartered Emirates World Credit Card Review

Standard Chartered Emirates World Credit Card is specially designed for those peoples who travel frequently. This card is full of features and benefits such as welcome reward, Skyward miles, Cash-Back on duty-free expenditures, Complimentary lounge access, overseas insurance golf privileges, supplementary cards, contactless card features, secure online transactions, anything on EMI, Dial-a-loan, Balance transfer, balance on EMI, concierge services, etc.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹1,00,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹1,00,000 monthly. 
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹3,000 + GST


  • Welcome benefit:

With the issuance of the card, you will get 4000 bonus miles as a welcome gift. 

You can get a return ticket to Dubai with just 27,500 Skywards Miles.

  • Cash-Back:

If you shop at the duty-free store with this card you will get a 5% Cash-Back. You can earn a maximum of ₹1,000 Cash-Back in a month.  

  • Reward benefit:

For each ₹150 international transactions, this card offers 6 skyward miles and you will get 3 skyward miles for the same on domestic transactions.  

  • Lounge access:

You will get access to more than 25 domestic lounges through the MasterCard Lounge program.

You will get 2 domestic lounge accesses monthly also with the priority pass program you will get 2 international lounge access monthly. 

If you spend a minimum of ₹10000 in a month you will get 2 free lounge accesses. 

  • Golf access:

This card offers 1 complimentary golf game in a year and 1 lesson per month. Also, you will get a 50% discount on every golf game.

  • Insurance Coverage:

This card comes with air accidental coverage of ₹1 Cr.  You will also get insurance coverage on the loss of baggage and flight delay.

  • Add on Card:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can also enjoy the benefits of having a credit card. 

  • Contactless facility:

This card comes with the new contactless payment facility this feature allows you to pay with just a wave at any secure reader machine. It gives you protection against skimming since you don’t need to hand over your card at the counter.  

  • 3D Security:

This card is 3D secure that means you will get an OTP every time whenever you use your card for online transactions. 

  • Anything on EMI:

With this card, you can convert any purchase over ₹5000 into EMI, Via net banking. 

  • Balance Transfer:

You can transfer the balance of your other cards to your Standard Chartered Emirates World Credit Card to get a lower interest rate against your dues. 

  • Concierge Services:

With this card you will get a 24X7 Active concierge service, you can get any assistance from them whenever you need it. 

  • Dial-a-loan:

You can get a loan against your Standard Chartered Ultimate Credit Card with a nominal interest rate of 0.99% monthly for six months. And after six months it will be your credit card’s interest rate. Maximum loan amount ₹7,50,000

  • Balance into EMI:

You can convert your total credit card due into EMI and pay in easy monthly installments.


  • Cash Withdrawal Charge: 3% against the amount, min ₹300.
  • Finance Charge: 3.10% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

6601 4444 (Ahmedabad, Chennai, Bangalore, Hyderabad, Kolkata, Delhi, Mumbai, Pune)

39404444 (Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin, Ernakulam, Coimbatore, Indore, Lucknow, Surat, Rajkot, Nagpur, etc.)

1800 345 1000

1800 345 5000


100xGain Ratings:


Final Opinion:

If you travel frequently with Emirates airlines, then this card can be very beneficial for you. You will get 6 skyward miles for each ₹150 transactions, a Cash-Back on duty-free shopping, domestic and international lounge access, insurance coverage, golf access, and lots of other features that can make your life much easier. 

But if you do not travel with Emirates or if you want a more premium credit card then you can go for IndusInd Bank InterMiles Voyage Credit Card, or if you want to spend less then you can go for Axis My Wings Credit Card.  

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