Standard Chartered Emerite

Standard Chartered Bank

Standard Chartered Emerite is the most prestigious and feature-rich credit card in Standard Chartered Bank India's portfolio, designed for ultra-high-net-worth individuals (UHNIs), top executives, and frequent international travellers who demand the very highest reward rate, unlimited lounge access, and zero forex costs. The card's 2% reward rate on ALL spends — the highest flat rate available from any Indian credit card — combined with zero forex markup and unlimited international lounge access makes it arguably the most comprehensive premium card available in India. The 2% reward rate on ALL spends — without any category restrictions, caps, or conditions — is unmatched in the Indian credit card market. On ₹10 lakhs of annual spending, the 2% return generates ₹20,000 in reward points — 4x the ₹5,000 annual fee in value. This simplicity is particularly valuable for high spenders who don't want to manage category restrictions or track monthly caps. The zero forex markup on international transactions is the best in class — most premium cards charge 1.5-3.5%. For someone spending ₹10 lakhs per year on international transactions (business travel, foreign websites, overseas purchases), the zero markup saves ₹1.5-3.5 lakhs compared to other premium cards. Unlimited complimentary domestic airport lounge access at 100+ airports and 12 international lounge visits per year (through LoungeKey) represent extraordinary travel value — particularly for the frequent flyer who takes multiple domestic trips per month. The complimentary golf sessions at prestigious courses in India and abroad — 6 per year — is a valued privilege for business executives. The card requires a minimum annual income of ₹18 lakhs for salaried individuals and is available to Indian residents aged 21-65 years. Source: Standard Chartered Bank official website, updated May 2026.