HDFC InterMiles Signature vs Standard Chartered Emirates World
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC InterMiles Signature Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.4/10 vs 8.2/10.
| Feature | HDFC InterMiles Signature | Standard Chartered Emirates World |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.2/10 |
| Annual Fee | ₹2,500 | ₹3,000 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 4% |
| Forex Markup | 2% | 3.5% |
| Domestic Lounges | 16 | 8 |
| International Lounges | 5 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Mastercard World |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 4%
- Airport lounge access matters — 16 domestic visits
When to Choose Standard Chartered Emirates World
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: travel, miles, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC InterMiles Signature costs ₹2,360 in forex fees vs Standard Chartered Emirates World at ₹4,130. You save ₹1,770/year with HDFC InterMiles Signature.
Annual Fee Value Analysis
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.
To break even on Standard Chartered Emirates World's ₹3,000 fee at 1% rewards, spend ₹25,000/month.