Emirates Standard Chartered Card Overview

Table of Contents

• Introduction to Emirates Standard Chartered Card
• Analysis of Benefits and Limitations
• Detailed Features and Offers
• Eligibility and Required Documentation
• Extensive Additional Card Details

Benefits:

• Enjoy up to 51 days of interest-free credit.
• Access to a multitude of global travel offers and discounts.
• Receive a 20,000 Skywards Miles bonus upon card activation.
• Ability to pay balances of other credit cards with SC Bank's card.

Limitations:

• The card comes with a significant annual fee.
• Potential for substantial late payment fees.
• Risk of accruing considerable debt with unchecked usage.

Card Features:

• Complimentary entry to over 1,000 global airport lounges, including CIP lounges in Pakistan.
• Up to 35% off at Avis car rentals and driving services.
• Discounts at over 900 luxury VISA hotels and apartment collections worldwide.
• Airport pick-up and drop-off services, along with priority check-in, available in Pakistan.
• Travel inconvenience and medical emergency insurance coverage.
• Zero percent installment plans on a range of products.
• Exclusive global shopping and dining discounts up to 50%.
• Earn up to 30,000 Skywards Miles annually with card use.
• Skywards Miles can be redeemed for Emirates airline tickets, shopping, and dining.
• Emirates Skywards Silver membership benefits, including bonus miles, extra baggage, Dubai lounge access, and seat selection.
• Option for five supplementary cards for family members.

Eligibility Criteria:

For Salaried Employees:

• No specified salary requirement.
• Age range: 21 - 60 years.
• Documentation: National ID, income proofs, bank statement, and employer's letter.

For Self-Employed Individuals and Business Owners:

• No specified income requirement.
• Age range: 21 - 65 years.
• Documentation: National ID, Tax Identification Number, business proof, and bank statement.

Additional Information:

• Maximum Credit Limit: Not specified.
• Interest-Free Duration: 51 days.
• Balance Transfer Interest Rate: 42%.
• Annual Cash Advance Fee: Rs. 1,000 or 3%, whichever is higher.
• Cash Advance Interest Rate: 42%.
• Rewards Program: Skywards Miles accumulation.
• Earning Rate: 4 Skywards Miles per PKR 100 spent.
• Late Payment Charge: Rs. 1,200.
• International Transaction Fee: 3.5%.
• Target Audience: Salaried employees and business owners.
• Income Criteria: Not disclosed by the bank.
• Ideal for: Affluent, frequent flyers seeking added value.
• Minimum Age Requirement: 21 years.
• Supplementary Cards: Up to 5.
• Payment Network: VISA.
• Lounge Access: Available at 1,000 airport lounges.

Frequently Asked Questions

1. What makes the Emirates Standard Chartered Card especially beneficial for frequent travelers?

This card caters specifically to those who travel often, providing unparalleled access to over 1,000 airport lounges worldwide, substantial savings on car rentals and luxury accommodations, and valuable travel insurance. Additionally, the significant bonus of Skywards Miles upon activation and the ability to earn more through spending make it a top choice for maximizing travel benefits.

2. What are the financial responsibilities associated with the Emirates Standard Chartered Card?

Cardholders should be cognizant of the high annual fee and the potential for late payment charges, which necessitate careful financial management. The benefits, including the rewards program and exclusive travel services, are designed to offset these costs for those who make frequent use of their card.

3. How can one qualify for the Emirates Standard Chartered Card, and what documents are needed?

The application process is inclusive, welcoming both salaried and self-employed individuals without strict income prerequisites. Applicants are required to provide personal identification, proof of income or business, and financial statements, facilitating access to a premium card offering for a diverse range of customers.