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Standard Chartered
Standard Chartered Emirates World
Mastercard
Standard Chartered Emirates World
A miles-earning co-brand for frequent Emirates flyers - a strong bonus miles rate on Emirates spend and generous combined lounge access, but the base earn rate on everything else is unremarkable, so this only makes sense if you actually fly Emirates.
Rates and fees last verified 15 July 2026.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
miles
Base reward rate
2%
Card network
Mastercard
Card tier
Premium
Benefits by category
- ✈️ Travel
4% reward rate · 25 domestic lounge visits/year via Mastercard, plus 2 domestic and 2 international Priority Pass visits per month
- 🛡️ Insurance
Overseas travel insurance cover up to ₹1 crore, including baggage loss and flight delay
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 4,000 Skywards Miles on card activation
- 25 domestic lounge visits/year via Mastercard, plus 2 domestic and 2 international Priority Pass visits per month
- 5% cashback on duty-free shopping, capped at ₹1,000/month
- Overseas travel insurance cover up to ₹1 crore, including baggage loss and flight delay
- Complimentary golf access 3 times/year at 14 premium courses, plus 50% off green fees
Pros
- + High bonus miles rate on Emirates spend and bookings
- + Generous combined domestic + Priority Pass lounge access
- + Solid overseas travel insurance
Cons
- − Base reward rate on non-Emirates, non-duty-free spend is average
- − Standard Chartered has been shrinking its co-brand lineup, so program longevity is uncertain