Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Standard Chartered Bank Emirates World Credit Card provides air miles on every Rs.150 spent on the card. The accrued miles can be used to book tickets and services on Emirates and other international airlines.
The Emirates Credit Card also offers complimentary airport lounge visits, golf privileges, free insurance cover, bonus miles and a lot more.
Reward points: Spending on Emirates World Credit Card will bring Skyward miles instead of reward points. Every Rs.150 spent on the card will earn 3 Skyward miles. Spends related to Emirates will bring 2 times more miles. The Skyward miles can be redeemed on international airlines such as Emirates, Qantas, Jet Airways, Jetstar, JetBlue, easyJet, Alaska Airlines, etc.
Cashback offer: Shop at duty-free stores using Emirates credit card and get 5% cashback capped at Rs.1,000 per month.
Complimentary airport lounge visits: The MasterCard lounge access programme will provide free lounge access to more than 25 domestic airports. Also, cardholders will receive two complimentary visits to domestic and international priority pass lounges every month.
Air accident coverage: Free air accident insurance coverage worth Rs.1 crore that covers loss of baggage and flight delay is offered on the Emirates World Credit Card.
Golf privileges: Golf players can enjoy complimentary access to three golf games in a year, 50% discount on all golf games and one free golf lesson every month.
Dial-a-loan: Users can avail loan amount of up to Rs.5 lakh on their Emirates credit card. The loan can be paid back in easy monthly installment in tenures ranging from 12 to 60 months. It can be pre-closed at no extra charges.
Balance transfer: Transfer outstanding amounts on other bank credit cards up to Rs.5 lakh to your Emirates World Credit Card and enjoy attractive interest rates offered by SCB.
Convert outstanding into easy instalments: Through SCB’s ‘Balance on EMI’ facility, cardholders can convert the entire outstanding amount on the card up to Rs.5 lakh into EMIs at zero processing fee.
Contactless payment technology: With an in-built contactless technology, the credit card offers touchless payments at the point of sale (POS) terminals enabling faster and secure transactions.
Pay in EMI: With Kuch Bhi on EMI facility, SCB allows the cardholders to convert big purchases above Rs.5,000 into easy monthly instalments (EMIs). The option can be availed through Standard Chartered online banking account or SCB’s mobile application.
|
Type of Fee |
Amount |
|
Joining fee |
NIL |
|
Annual fee |
Rs.3,000 |
|
Supplementary card fee |
NIL |
|
Finance charges or interest rate on outstanding |
3.10% per month or 37.20% per annum |
|
Finance charges on cash transactions |
3.49% per month |
|
Late payment fee |
Outstanding less than 500 – Rs.100 Rs.501 to Rs.2,000 – Rs.350 Rs.2,001 to Rs.4,000 – Rs.500 Rs.4,001 to Rs.20,000 – Rs.700 Above Rs.20,000 – Rs.800 |
|
Over limit fee |
2.5% of over limit amount subject to a minimum of Rs.500 |
|
Cash withdrawal fee |
3% of the withdrawn amount or Rs.300 |
|
Overseas transaction fee |
3.5% |
You can apply for Standard Chartered Bank’s Emirates World Credit Card directly on the bank’s website or you can submit a filled-in application at any of the SCB branch offices. Follow the instructions mentioned below to apply for the credit card online.
Steps to apply for Emirates World Credit Card online
The bank will check your eligibility for the Emirates credit card and display an instant in-principle decision about the approval. You will then be asked to submit an online application to complete the documentation process following which you will receive a call from the bank’s representative.
Though SCB generates an in-principle decision about the approval within minutes of submitting the online application form, the final approval of the card depends on the results of the verification checks conducted by the bank and its other policies. Once approved, the credit card will be processed within 7-15 days of submitting documents.
There is no fixed credit limitfor Emirates credit card. The limit varies from one card to another depending on the applicant’s income, credit history and other factors.
If you suspect that an unknown transaction has taken place on your SC credit card, you should immediately report it to the Standard Chartered Bank by calling its customer helpline. Listed below are the helpline numbers to report fraudulent transactions for various cities in India.
|
City |
Standard Chartered Credit Card Helpline Number |
|
Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune |
3940 4444 or 6601 4444 |
|
Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin, Ernakulam, Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna, Rajkot, Surat and Vadodara |
3940 444 or 6601 444 |
|
Gurgaon and Noida |
011 – 3940 4444 or 011 – 6601 4444 |
|
Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthapuram, Vishakhapatnam, Mathura, Proddatur, Dehradun and Saharanpur |
1800 345 1000 |
|
Siliguri |
1800 345 5000 |
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