Standard Chartered Emirates World Credit Card

The Standard Chartered Bank Emirates World Credit Card, a collaboration between Standard Chartered Bank and Emirates.com, delivers a range of unique advantages to its cardholders. These perks encompass complimentary lounge access, shopping benefits, golf privileges, and more. Despite its Rs. 3000 annual fee, the card proves its value through the exclusive offers it extends. In addition to earning air miles at a rate of one mile per Rs. 150 spent, the card boasts additional advantages like EMI facilities and cashback on duty-free shopping. A noteworthy welcome bonus includes 4,000 skywards miles, adding further allure to this credit card.

Key Highlights of Standard Chartered Emirates World Credit Card

Unlock unparalleled benefits with the Standard Chartered Emirates World Credit Card.

  1. Welcome Gift: Receive a bonus of 4,000 miles upon joining.
  2. Emirates.com Spending: Earn 6 Skywards miles for every Rs. 150 spent on Emirates.com.
  3. Other Transactions: Earn 3 Skywards miles for every Rs. 150 spent on transactions outside Emirates.com.
  4. Lounge Access: Enjoy complimentary domestic lounge access.
  5. International Lounge: Access international lounges based on monthly spending.
  6. Cashback on Duty-Free: Receive 5% cashback on duty-free shopping.
  7. Golf Benefits: Get 1 complimentary golf lesson monthly and a 50% discount on all golf games.
  8. Accident Coverage: Benefit from Rs. 1 Crore coverage in case of an overseas air accident.

Features and Benefits of Standard Chartered Emirates World Credit Card

The Standard Chartered Emirates World Credit Card offers several features and benefits:

  1. No Physical Interaction Required: Experience seamless transactions without the need for any physical interaction.
  2. Instant Approval and Online KYC: Gain immediate approval for your applications and complete your Know Your Customer (KYC) process through an online video.
  3. The Good Life Programme: Unlock a plethora of discounts and offers across dining, shopping, travel, and more with the Standard Chartered Good Life programme linked to your credit card.
  4. Kuch Bhi on EMI: Convert significant expenses exceeding INR 2000 into easy Equated Monthly Installments (EMI) using Kuch Bhi on EMI, available through online banking or SC Mobile. Enjoy attractive pricing and flexible tenure options.
  5. 360° Rewards Program: Redeem your accumulated reward points through the Standard Chartered 360° rewards program against a diverse online catalogue.
  6. Digital Payment Solutions: Embrace a variety of instant payment solutions, including BharatQR, Bharat Bill Payment Solution (BBPS), and Samsung Pay.
  7. Online Banking and SC Mobile: Conveniently check your card balance and make instant payments through online banking and the SC Mobile app.
  8. Contactless Credit Card: Experience faster checkouts, enhanced security, and the freedom from carrying cash when you transact with a contactless credit card.
  9. Dial-a-Loan: Access loans on your credit card, with flexibility ranging from INR 12,000 to INR 500,000 and tenures spanning from 12 to 60 months.
  10. Credit Card Balance Transfer: Transfer outstanding balances up to INR 500,000 from other bank credit cards at attractive interest rates.
  11. Balance on EMI: Convert your entire outstanding balance, up to INR 500,000, into EMIs with zero processing fees.

Standard Chartered Emirates World Credit Card Fees and Charges

Explore the fee structure for the Standard Chartered Emirates World Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Rs. 3,000
  2. Annual Fee (from the second year onward): Rs. 3,000
  3. Finance Charges: 3.75% per month (45% per annum)
  4. Late Payment Fee:
  • Rs. 0 for statement outstanding balance less than or equal to Rs. 100
  • Rs. 100 for statement outstanding balance between Rs. 101 and Rs. 500
  • Rs. 500 for statement outstanding balance between Rs. 501 and Rs. 5,000
  • Rs. 700 for statement outstanding balance between Rs. 5,001 and Rs. 10,000
  • Rs. 800 for statement outstanding balance between Rs. 10,001 and Rs. 25,000
  • Rs. 1,200 for statement outstanding balance greater than Rs. 25,000

Eligibility Criteria for Standard Chartered Emirates World Credit Card

Here are essential criteria for applying for an Standard Chartered Emirates World Credit Card:

1. Age Requirement:

  • Prospective applicants must be at least 21 years old.
  • The upper age limit for applicants is 65 years at the time of application.

2. Monthly Income:

  • Applicants are required to have a consistent and stable monthly income.

3. Residency Criteria:

  • Applicants should be residing in the specific location designated by the bank for credit card issuance.

Documents Required for Standard Chartered Emirates World Credit Card

To apply for the Standard Chartered Emirates World Credit Card, you will typically need to provide the following documents:

1. Proof of Identity:

  • PAN Card
  • Aadhaar card
  • Driver’s License
  • Passport
  • Voter’s ID
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Letters issued by the UIDAI

2. Proof of Address:

  • Aadhaar card
  • Driver’s License
  • Passport
  • Utility Bill (not more than 3 months old)
  • Ration Card
  • Property Registration Document
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Bank Account Statement

3. Proof of Income:

  • Latest one or two salary slips (not more than 3 months old)
  • Latest Form 16
  • Last 3 months’ bank statement

How to apply for Standard Chartered Emirates World Credit Card

Follow these steps to apply for the Standard Chartered Emirates World Credit Card online:

1. Visit the Standard Chartered Bank Website:

  • Go to the official website of Standard Chartered Bank.

2. Navigate to Credit Cards Section:

  • Locate the section related to credit cards on the website.

3. Choose the Emirates World Credit Card:

  • Identify and select the Standard Chartered Emirates World Credit Card from the available options.

4. Review Eligibility Criteria:

  • Ensure that you meet the eligibility criteria, including age, income, and any other requirements specified for this particular credit card.

5. Click on “Apply Now” or Similar:

  • Once you’ve chosen the Emirates World Credit Card, there should be an option like “Apply Now” or something similar. Click on it.

6. Fill Out the Application Form:

  • Complete the online application form with accurate information. This may include personal details, contact information, employment details, and financial information.

7. Attach Necessary Documents:

  • Be prepared to submit any required supporting documents, such as proof of income, identity, and address.

8. Submit the Application:

  • After completing the form and attaching the necessary documents, submit the application.

9. Wait for Approval:

  • The bank will review your application. You may be contacted for further information if needed.

10. Receive Card and PIN:

  • If your application is approved, you will receive the credit card along with a Personal Identification Number (PIN).

FAQs:

1. What is the Standard Chartered Emirates World Credit Card?

The Standard Chartered Emirates World Credit Card is a premium credit card offered by Standard Chartered Bank in partnership with Emirates. It is designed to provide cardholders with a range of exclusive benefits, including travel privileges, lifestyle rewards, and more.

2. How can I apply for the Standard Chartered Emirates World Credit Card?

You can apply for the Standard Chartered Emirates World Credit Card by visiting the official Standard Chartered Bank website or by contacting the bank’s customer service. The application process typically involves submitting the required documents and meeting the eligibility criteria set by the bank.

3. What are the key features of the Standard Chartered Emirates World Credit Card?

The card offers a variety of features, including complimentary airport lounge access, travel insurance, Emirates Skywards Miles rewards, exclusive discounts on dining and shopping, and 24/7 concierge services. Check the official website for the most up-to-date information on features and benefits.

4. How does the Emirates Skywards Miles rewards program work?

Cardholders earn Emirates Skywards Miles for every eligible transaction made with the credit card. These miles can be redeemed for various rewards, including flight tickets, upgrades, hotel stays, and more. The redemption process may vary, and details can be found on the Emirates Skywards website.

5. Is there an annual fee for the Standard Chartered Emirates World Credit Card?

The annual fee for the Standard Chartered Emirates World Credit Card may vary. It’s advisable to check the current fee structure on the bank’s official website or contact their customer service for the most accurate and up-to-date information.

6. How can I check my Emirates Skywards Miles balance?

Cardholders can typically check their Emirates Skywards Miles balance through the Emirates Skywards program website or by contacting the Standard Chartered Bank customer service. Details regarding the process for checking miles balance are usually provided in the credit card documentation.

7. What is the eligibility criteria for the Standard Chartered Emirates World Credit Card?

Eligibility criteria may include a minimum age requirement, minimum income criteria, and other factors. It’s recommended to check the specific eligibility requirements on the bank’s official website or contact their customer service for the most accurate information.

8. Can I use the Standard Chartered Emirates World Credit Card internationally?

Yes, the Standard Chartered Emirates World Credit Card is generally accepted internationally wherever credit cards are recognized. However, it’s advisable to inform the bank of your travel plans to avoid any potential issues with international transactions.

9. How do I contact customer service for the Standard Chartered Emirates World Credit Card?

You can contact Standard Chartered Bank’s customer service through the contact details provided on their official website. This may include phone numbers, email addresses, or online chat options for assistance with any queries or concerns related to your credit card.

10. What should I do if my Standard Chartered Emirates World Credit Card is lost or stolen?

If your card is lost or stolen, it’s crucial to contact the bank’s customer service immediately to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement. In case of unauthorized transactions, you may also be protected by the card’s security features and policies.