SBI Etihad Guest 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 3 of 8 dimensions with a CardTrail Score of 8.2/10 vs 8.0/10.
| Feature | SBI Etihad Guest | Standard Chartered Emirates World |
|---|---|---|
| CardTrail Score | 8.0/10 | 8.2/10 |
| Annual Fee | ₹4,999 | ₹3,000 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard World |
When to Choose SBI Etihad Guest
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 6% vs 4%
- Your primary spend is: travel, miles
When to Choose Standard Chartered Emirates World
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: travel, miles, forex
Annual Fee Value Analysis
To break even on SBI Etihad Guest's ₹4,999 fee at 1% rewards, spend ₹41,658/month.
To break even on Standard Chartered Emirates World's ₹3,000 fee at 1% rewards, spend ₹25,000/month.