Standard Chartered Emirates World
KeepStandard Chartered's Skywards co-brand — eight years older than ICICI's three, and long since off sale.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — SC's Emirates World page states no joining bonus, only the earn rates and the lounge, insurance and golf benefits
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹14,000 a month
At ₹14,000 a month — ₹1,68,000 a year — on the everyday mix this card returns ₹3,000 gross (earn ₹3,000) against its ₹3,000 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #815
Why #815 Carried, not sold. Standard Chartered's only Emirates Skywards co-brand, and it was already on sale in January 2014 — eight years before ICICI launched the three Emirates cards that now carry the currency — 3 Skywards Miles per ₹150 everywhere, 6 on Emirates itself. SC has taken it out of the reader-facing tariff table and stopped sourcing it, so a reader meeting the name is either holding one or reading about a card they can no longer get.
Skywards houses at ₹0.90 a mile on this desk, so the base rung — 3 miles per ₹150, or 2 miles per ₹100 — is 1.8%, and the Emirates rung at 6 per ₹150 is 3.6%. Unlike every other Standard Chartered card, the points here are not 360° Reward Points: they land directly in an Emirates Skywards account, which is why the effective rate is seven times Platinum Rewards' and why no ₹99 redemption handling charge applies.
The take
Most Indian cards that reach Emirates Skywards do it through a transfer: earn a bank currency, move it across at whatever ratio the bank is running this quarter, wait. This one skipped the middle step, and it skipped it eight years before ICICI's Emirates trio did the same in 2022 — those three and this are the only cards on the board that credit Skywards direct. Three Skywards Miles per ₹150 landed in your Skywards account on ordinary spend and six per ₹150 on Emirates tickets, with no conversion, no ratio and no ₹99 handling charge — which at the desk's ₹0.90 house value on a Skywards mile is 1.8% on everything and 3.6% on the airline itself. For ₹3,000 a year that was a genuinely good deal, and it came with the two things a Gulf-route flyer actually uses: 25-plus domestic lounges on the Mastercard programme, and two Priority Pass visits a month once you had put ₹10,000 through the card the month before. Add ₹1 crore of overseas air accident cover, baggage and delay insurance, three complimentary golf games a year and 5% back on duty-free up to ₹1,000 a month, and the shape of the card is obvious: it was built for someone who flies EK out of an Indian metro several times a year. Two things the fee line does not tell you. First, ₹3,000 is one of two prices: every Standard Chartered tariff schedule this card has ever appeared in lists it as Option 1 and Option 2, and the senior option costs ₹13,999 a year — the same two figures in January 2014 under the old Emirates Platinum name, in April 2019 under the current one, and in the rows still sitting commented out of today's table. Second, the card used to earn more: the 2014 product page advertised 4 Skywards Miles per ₹150, not 3, and a 27,500-mile sign-up bonus big enough to fly to Dubai on its own. By July 2017 the sign-up bonus was 4,000 miles; by March 2019 the base rung had been cut to 3 and the 6-per-₹150 rung, which had covered all international spend, had been narrowed to Emirates transactions only. Standard Chartered has since pulled the row out of its own tariff table — the markup is still in the page, commented out — and the product page survives only in the employee-banking catalogue. If you hold one, the miles are yours and the benefits still print; if you are looking for it, it is not on sale, and the closest live substitute is a bank currency with a Skywards transfer route attached.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹3,000/yr at stake · 5 spend bands
The charge ₹3,000/yr
Break-even ₹14,000 a month — ₹1,68,000 a year — is where this card's value crosses its fee.
At your spend
₹2,400 a year, net of the fee, at ₹3,00,000 of annual spend
₹7,800 a year, net of the fee, at ₹6,00,000 of annual spend
₹18,600 a year, net of the fee, at ₹12,00,000 of annual spend
₹61,800 a year, net of the fee, at ₹36,00,000 of annual spend
₹1,05,000 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 15 Jul 2026 Your World Rewards pays 5,000 Bonvoy points for one paid stay a program these points reach
- 25 Jun 2026 Aeroplan re-cut the partner column of its Flight Reward Chart — India to Asia business up 25% a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 6 Skywards Miles per ₹150 on Emirates transactions and 3 per ₹150 on everything else, credited straight to Skywards with no transfer step
- 25+ domestic lounges on the Mastercard Lounge programme, plus 2 Priority Pass visits a month after ₹10,000 of spend in the prior month
- ₹1 crore of overseas air accident cover, with baggage-loss and flight-delay insurance included
- Three complimentary golf games a year, one free lesson a month and 50% off all other games
- 5% cashback on duty-free shopping, capped at ₹1,000 a month
Watch out
- Withdrawn: SC has removed the row from the reader-facing tariff table and the retail product page 404s — this card cannot be applied for
- ₹3,000 is the cheaper of two prices — SC's tariff schedules have always carried an Option 2 at ₹13,999 a year, and the bank never published what the extra ₹10,999 buys
- The earn has been cut twice: 4 Skywards Miles per ₹150 in 2014 became 3, and the 6-per-₹150 rung that once covered every international transaction now applies only to Emirates itself
- Forex is the shelf-standard 3.5%, which on an airline co-brand aimed at international spend is the wrong way round
- The two monthly Priority Pass visits are conditional on ₹10,000 of spend in the preceding month, and a Priority Pass visit at an Indian lounge is chargeable
- Revolves at 3.75% a month — an APR of 45% — on the fee page SC still serves for this card
- Skywards miles expire on Emirates' own schedule, not the bank's, and this card gives you no way to park them anywhere else
What these points actually fly
Emirates Skywards move to Marriott Bonvoy — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
689 of 793 tracked doors
Gate: The two monthly Priority Pass visits require more than ₹10,000 of spend in the previous calendar month; the Mastercard domestic programme carries no spend gate
Opens 689 of 793 tracked lounge doors across 275 airports , via Mastercard India, Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
Standard Chartered publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite PlusNo standing public status-match route from most Indian-held airline and hotel tiers into a SkyTeam Elite Plus card → A paid Lotusmiles status match accepting ~47 airline programmes (Air India Maharaja Club included) and 18 hotel chains, granting 12 months up to Platinum
Lotusmiles will match tier status from roughly 47 airline programmes — Lufthansa, Swiss, Etihad, Emirates, BA, Qatar, Singapore, Qantas and Air India's Maharaja Club — plus 18 hotel chains (Marriott, Accor, Hilton, Hyatt, IHG, matched through Gold only), for a flat 12-month grant with no stated flying requirement. The SkyTeam translation is the point: Titanium and Gold confer SkyTeam Elite, and Platinum confers SkyTeam Elite Plus — priority everything plus a guest into SkyTeam lounges across the network. Priced USD 129–359 by tier matched. For an Indian reader sitting on an underused hotel or airline status, it is one of the cheaper routes to a year of Elite Plus; match near a renewal and treat it as a one-year sprint.
- 15 Jul 2026Your World Rewards pays 5,000 Bonvoy points for one paid stay
- 25 Jun 2026Aeroplan re-cut the partner column of its Flight Reward Chart — India to Asia business up 25%The 2026-02 edition of the Flight Reward Chart. Atlantic↔Pacific "all other partners" business ran 40,000 / 60,000 / 80,000 / 110,000 points across the four distance bands; Within Atlantic business ran 15,000 / 25,000 / 45,000 / 60,000 / 80,000; North America↔Atlantic economy ran 35,000 / 40,000 / 55,000 / 70,000 and First topped out at 140,000. → The 2026-04 edition. Atlantic↔Pacific business is 47,500 / 75,000 / 92,500 / 130,000; Within Atlantic business is 12,500 / 22,500 / 40,000 / 70,000 / 95,000; North America↔Atlantic economy is 32,500 / 42,500 / 60,000 / 75,000 and First tops out at 165,000. Within North America is untouched, and the Air Canada / Select Partner "starting at" floors did not move.
Aeroplan raised the price of other airlines' seats and left its own alone. The cut lands entirely in the "All other partners" column — the fixed cell that is the only honest price for anyone booking Star metal, since Air Canada, United, Emirates, flydubai and Etihad are priced dynamically off a floor that did not change. Within North America did not move at all. For an Indian collector the Atlantic↔Pacific table is the one that hurts. Bengaluru or Mumbai to Singapore in business goes from 40,000 to 47,500 points, up 19%. Delhi to Singapore, one band further out at roughly 2,570 flown miles, goes 60,000 to 75,000 — a 25% increase, and the single biggest move on any corridor Indian cards can fund. Delhi to Tokyo makes the same jump. The 5,001–7,000-mile band, which is where India to Sydney and India to Auckland land once you route through a Star hub, goes 80,000 to 92,500 in business and 50,000 to 60,000 in economy. India to Europe and the Gulf is a genuine mixed bag. Within Atlantic business got CHEAPER in the three short bands — Delhi–Dubai from 25,000 to 22,500, Delhi–Frankfurt from 45,000 to 40,000 — and dearer in the two long ones, with Delhi–London going 60,000 to 70,000. Economy moved the other way: Delhi–Dubai 12,500 to 15,000, Delhi–Frankfurt 25,000 to 30,000, Delhi–London 35,500 to 42,500. India to North America is the quietest table: Delhi–New York business is unchanged at 90,000 and economy goes 55,000 to 60,000, but First rises from 130,000 to 150,000 in that band and from 140,000 to 165,000 beyond it. This is the currency SBI Card Miles feeds at 1:1 and the best Star Alliance ratio any Indian bank currency gets, so the whole board of Aeroplan prices this desk publishes moved under it. Aeroplan still collects no carrier fuel surcharge, which is why it stays the sane Star option even after a 25% rise. ON THE DATES: the 2026-04 chart carries an InDesign CreationDate and ModDate of 25 June 2026, and a Wayback capture of the same URL on 8 June 2026 still serves the 2026-02 edition, so 25 June is the day the new prices existed. The `announced` date is the day the increase was first written up publicly — an upper bound on when Aeroplan said so, not a gazetted press date; Air Canada published no dated notice we can reach.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 19 Aug 2024Amex MR-to-Emirates Skywards transfer ratio gets clipped
- 10 Jan 2024Emirates hikes partner business-class award prices 25%
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Standard Chartered's Emirates World product page — the ₹3,000 fee, the 6-and-3 Skywards accrual, the lounge quota and the insurance and golf benefits
- official Standard Chartered's shelf-wide tariffs and charges — the Emirates World fee row, now commented out of the live table
- official Standard Chartered's January 2014 tariff schedule — the card priced at two fee options under its earlier Emirates Platinum name
- official Standard Chartered's 2014 Emirates Platinum product page — the pre-devaluation 4-miles-per-₹150 accrual and the 27,500-mile sign-up bonus
- official Standard Chartered's 2019 Emirates World page — today's 6-and-3 accrual, already in place, beside a 4,000-mile welcome that has since lapsed