SBI Card MILES PRIME vs Standard Chartered Emirates World
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Standard Chartered Emirates World Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.9/10.
| Feature | SBI Card MILES PRIME | Standard Chartered Emirates World |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.2/10 |
| Annual Fee | ₹2,999 | ₹3,000 |
| Base Reward Rate | 0.75% | 1% |
| Max Reward Rate | 3% | 4% |
| Forex Markup | 2.5% | 3.5% |
| Domestic Lounges | 4 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard World |
When to Choose SBI Card MILES PRIME
- You can meet the fee waiver condition: Spend ₹10L/year
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- Your primary spend is: travel, miles
When to Choose Standard Chartered Emirates World
- You can meet the fee waiver condition: Spend ₹5L/year
- You want higher rewards — up to 4% vs 3%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, miles, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: SBI Card MILES PRIME costs ₹2,950 in forex fees vs Standard Chartered Emirates World at ₹4,130. You save ₹1,180/year with SBI Card MILES PRIME.
Annual Fee Value Analysis
To break even on SBI Card MILES PRIME's ₹2,999 fee at 0.75% rewards, spend ₹33,322/month.
To break even on Standard Chartered Emirates World's ₹3,000 fee at 1% rewards, spend ₹25,000/month.