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Get your new card and be welcomed with 4,000 bonus Miles.Get a return ticket to Dubai with just 27,500 Skywards Miles. T&Cs Apply.

Emirates World Credit Card

Get your new card and be welcomed with 4,000 bonus Miles.Get a return ticket to Dubai with just 27,500 Skywards Miles. T&Cs Apply.

Every purchase now earns you Skywards Miles

Enjoy upto 6 skyward miles on your spends with Emirates World Credit Card. Terms and Conditions Apply


Supplementary Credit Cards

Extend the benefits of your credit card to your family members by getting them lifetime free Supplementary credit cards.

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Contactless credit card

Enjoy faster checkouts, secure payments and complete freedom from cash when you transact with a contactless credit card.

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Secure online transactions

Now enjoy enhanced security for online transactions on your credit card through 3D secure OTP verification.

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Digital payment solutions

Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay.

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Kuch Bhi on EMI

Convert your big spendings above INR 5,000 to easy EMI with Kuch Bhi on EMI through online banking or SC mobile. Enjoy attractive pricing and flexible tenure options.

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Online banking and SC mobile

Check credit card balance and make instant payments via online banking and SC Mobile, get 1,000 points on your first transaction and 500 extra points on online banking registration.

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Get loans on your credit card of upto INR 5,00,000. Flexible tenure from 12 to 60 months. Terms and conditions apply.

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Balance transfer

Transfer card balance upto INR 5,00,000 from other bank credit card at attractive interest rates.

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Balance on EMI

Convert your entire outstanding (upto INR 5,00,000) into EMIs. Zero processing fee.

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Fees and rates

Annual fees INR 3,000 in first year, INR 3000 2nd year onwards
Annualized Percentage Rate (w.e.f. 1 May 2021): The monthly interest rate is annualized to arrive at the annualized percentage rate (APR).

Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00% for all Standard Chartered Credit Cards including Visa Infinite and Emirates World credit cards.

However, for all instant credit card variants, the monthly interest rate is 1.99% pm (APR of 23.88%).

Cash transactions will also attract an interest rate of 3.75% pm (APR of 45.00%).

Cash Advance ATM withdrawals:
3% of Cash withdrawal amount subject to a minimum of INR 300.
Late payment charges (w.e.f. 1 May 2021) ₹ 0 for statement outstanding balance less than or equal to ₹ 100. ₹ 100 for statement outstanding balance between ₹ 101 and ₹ 500. ₹ 500 for statement outstanding balance between ₹ 501 and ₹ 5,000. ₹ 700 for statement outstanding balance between ₹ 5,001 and ₹ 10,000. ₹ 800 for statement outstanding balance between ₹ 10,000 and ₹ 25,000. ₹ 1200 for statement outstanding balance greater than ₹ 25,000.

Example: In case there is an outstanding of ₹ 4,000 on your credit card and ₹ 15,000 in your Balance Transfer account and payment is not made by the Payment Due Date. There will be a Late Payment Charge of ₹ 500 in your credit card account and ₹ 800 on your Balance Transfer account. The example above is for illustrative purposes only. All cards and all instalment products such as Instabuy, Balance Transfer, Dial-a-Loan etc. will each attract Late Payment Charges if payment is not made by the Payment Due Date.

Click here for more details on all other applicable fees and charges.

Eligibility and Documents


  • Applicant’s age should be between 21 and 65 years.
  • Applicant should have a stable monthly income.
  • Applicant should belong to credit cards sourcing cities / locations of the bank.
  • All applications are subject to credit and other policy checks of the bank.

Documents required

  • Identity proof:
    • Aadhaar
    • Any one of the following photo cards:
      • Passport
      • PAN card
      • Voter ID card
      • Govt ID
  • Address Proof (Any One of the following documents with current residence address):
    • Aadhar Card
    • Passport
    • Driving License
    • Election/Voter’s ID Card
    • Job card issued by NREGA duly signed by an officer of the State Government
    • The letter issued by the National Population Register containing details of name, address
  • One recent passport-sized photograph
  • Financial documents:
    • Salaried: Latest one month salary slip
    • Self employed businessmen:
      • Latest IT returns with computation of income / certified financials, last business continuity proof
    • Self employed professionals:
      • Latest IT returns
      • Business continuity proof
      • You can also apply on the basis of other bank credit card statement


Terms and conditions