Standard Chartered Emirates World Mastercard
The SC Emirates World Mastercard was the only Indian card that earned Emirates Skywards miles on everyday spend — 6 miles per ₹150 on Emirates transactions and 3 per ₹150 elsewhere, with a 4,000-mile welcome bonus and a fee waiver at ₹5 lakh. That chapter is closed: the SC–Emirates partnership ended on 31 March 2022 (announced 23 February 2022). The card stopped earning Skywards miles from 1 April 2022, the lounge, golf and Priority Pass benefits were withdrawn alongside the miles, and holders were migrated to non-Emirates SC cards, with the SC Ultimate offered as an upgrade. This entry is retained as an archival record — the card cannot be applied for.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,600 in vouchers, points or cashback on card activation
️ 1.6% on Travel
Earned 6 Emirates Skywards miles per ₹150 on Emirates spend (~2% at ~40p/mile); welcome 4,000 + renewal 1,500 miles. Earning stopped 1 April 2022 with the partnership's end.
️ 0.8% on Other
Earned 3 Emirates Skywards miles per ₹150 on other spends (~1% at ~40p/mile). No miles have accrued since 1 April 2022, when the SC–Emirates partnership ended.
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹3,000 + 18% GST (₹3,540 all-in)/yr fully waived when you spend ₹5,00,000/year
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 1.6% | — |
| Other | airline miles | 0.8% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,540 |
| Joining fee (incl. 18% GST) | ₹3,540 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,000/yr in total.
️ lounge access ~ ₹4,000 /yr
Complimentary lounge access at select airports + Emirates lounges — withdrawn 31 March 2022 alongside the miles when the SC–Emirates partnership ended.
Should you get it?
Best for: Nobody today — the card is discontinued and holders were migrated to non-Emirates SC cards, Historically, frequent Emirates flyers based in India (Delhi, Mumbai, Hyderabad, Bengaluru routes), Historically, users targeting Emirates premium-cabin redemptions via Skywards
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 1.6% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Was the only Indian card earning Emirates Skywards miles on everyday spends
- Earned 6 Skywards miles per ₹150 on Emirates flights and partner spends (~2%)
- 4,000 welcome miles worth ~₹1,600 on first spend
- Fee waived at ₹5L annual spend — achievable for regular Emirates flyers
- Miles earned on daily spending could fund premium cabin redemptions on Emirates
✕ Cons
- Discontinued — the SC–Emirates partnership ended 31 March 2022 and the card stopped earning Skywards miles from 1 April 2022
- Miles were programme-locked — only valuable for Emirates and flydubai flyers
- 3.5% forex markup made it expensive for international use outside Emirates bookings
- 3 Skywards miles per ₹150 on non-Emirates spend (~1%) — weak as a daily card even in its day
Eligibility & documents
Min. income
₹50,000 /mo
What your Standard Chartered Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The card no longer exists as a product — the SC–Emirates partnership ended 31 March 2022, Skywards earning stopped from 1 April 2022, and the lounge, golf and Priority Pass benefits were withdrawn with it.
The bottom line
During its active lifespan, this product provided a distinctive co-branded value proposition as the only domestic card channeling everyday retail spend directly into Emirates Skywards miles, alongside an introductory welcome bonus offsetting a substantial portion of the ₹3,000 fee. Following the termination of the co-brand agreement on 31 March 2022, rewards accrual ended on 1 April 2022, associated premium travel privileges were retracted, and accounts were migrated to general Standard Chartered products. It remains documented here solely for historical tracking.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered Emirates World Mastercard are taken from Standard Chartered 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2017 · 3 changes · last change Mar 2022
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2022 2 changes — 2 cuts
▼ Reward Observed 23 Feb 2022 · Effective 31 Mar 2022
Emirates partnership ended — Skywards earning stops
6 miles/₹150 on Emirates, 3/₹150 elsewhere → No Skywards miles earned
Standard Chartered wound down its Emirates Skywards co-brand in India: the card stopped earning any Skywards miles from 1 April 2022. Already-earned miles stayed redeemable up to three years from credit; holders were moved to a non-Emirates replacement (SC Ultimate offered as an upgrade).
Verification: CardAdvisor Research · Confidence: High
▼ Benefit Effective 31 Mar 2022
Lounge, golf & Priority Pass benefits withdrawn
The same partnership wind-down stripped the card of its travel perks — complimentary airport lounge access, the golf benefit and Priority Pass membership were all removed alongside the miles. Standard Chartered stopped sourcing the card to new applicants; it remains listed as discontinued in 2026 despite still appearing on some aggregator pages.
Verification: CardAdvisor Research · Confidence: High
2017 1 change — 1 neutral
◆ Launch Effective 2017
SC Emirates World co-brand live in India
Standard Chartered's Emirates co-branded World Mastercard was the only Indian card earning Emirates Skywards miles on everyday spend (6 miles/₹150 on Emirates, 3/₹150 elsewhere). Exact launch date is undocumented; the issuer product page is archived as live by July 2017, so it existed by at least mid-2017.
Verification: Standard Chartered ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: Standard Chartered Emirates World Mastercard value timeline — CardAdvisor
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Source: Standard Chartered Emirates World Mastercard value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Premium credit card
Reward rate 0.8%–1.6%
Best for Nobody today — the card is discontinued and holders were migrated to non-Emirates SC cards
Joining fee ₹3,000
Annual fee ₹3,000
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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