Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Standard Chartered Bank Emirates World Credit Card

    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.

    Features And Benefits Of Emirates World Credit Card

    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.

    Fees And Charges Associated With SCB Emirates World Credit Card

    Type of Fee Amount

    Joining fee


    Annual fee


    Supplementary card fee


    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


    Eligibility To Apply For Emirates World Credit Card

    • Applicant should have a minimum age of 25 years and maximum of 65 years
    • Should have stable monthly income
    • Should belong to the cities or locations where the credit card is offered

    Documents Required To Apply For Emirates World Credit Card

    • A copy of identity proof such as Aadhaar card, passport, PAN card, Voter’s ID or any other government ID
    • A copy of address proof such as a driving licence, phone or electricity bill, rental agreement, credit card statement or bank account statement of other banks
    • For salaried – one month pay slip
    • For self-employed businessmen – Latest Income Tax Returns with computation of income and business continuity proof
    • For self-employed professionals – Latest IT returns, business continuity proof or other bank credit card statement
    • One passport-sized photograph

    How To Apply For Standard Chartered Emirates World Credit Card?

    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

    • Go to Emirates World Credit Card page on SCB website (
    • Click on the ‘Apply Now’ button present on the page
    • You will be redirected to an online application page where you need to fill a form on the right-hand side of the page
    • On the page, you need to select your city of residence, enter your date of birth, select your source of income, enter your gross monthly salary, e-mail ID and mobile number and click on ‘Proceed’

    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.

    SCB Emirates World Credit Card FAQs

    1. How long does it take to approve the Emirates credit card application?

      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.

    2. What is the credit limit on SCB Emirates World Credit Card?

      There is no fixed credit limit for Emirates credit card. The limit varies from one card to another depending on the applicant’s income, credit history and other factors.

    3. How to report a fraudulent or unauthorised transaction on Standard Chartered credit card?

      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 Credit Card Customer Care Number.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    This Page is BLOCKED as it is using Iframes.