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Standard Chartered Bank Pakistan

Standard Chartered Bank (SCB) Pakistan Ltd. is the oldest and largest international bank in Pakistan, providing financial services for over 150 years. The Emirates Standard Chartered cards bring earning opportunities and global travel benefits closer to home.

Take Advantage Today

Apply for an Emirates Standard Chartered Credit Card or Debit Card to earn Skywards Miles on everyday spends, and enjoy airport and travel benefits around the world.

Emirates Standard Chartered Infinite Credit Card

Emirates Standard Chartered Infinite Credit Card
  • A one-time welcome bonus of 20,000 Skywards Miles1.
  • An annual bonus of up to 30,000 Skywards Miles2.
  • 1 Skywards Mile for every PKR 100 spent on domestic purchases (PKR currency)3.
  • 2 Miles for every PKR 100 spent in foreign currency (non-PKR currency)3.
  • 2 Miles for every PKR 100 spent with Emirates (4 Miles if you spend the equivalent amount in any other currency)3.
  • Complimentary Emirates Skywards Silver membership for a year4.
  • Unlimited airport transfers to and from the airport in Pakistan when you fly Emirates in any class. This service is provided by Hertz5.
  • Complimentary access with a guest to four airport lounges in Pakistan (Islamabad, Karachi, Lahore and Multan) and more than 750 lounges around the world. This service is provided by Loungekey6.
  • Priority check-in for you and your family members when you fly Emirates from airports in Pakistan7 (Business Class desks at some airports).
  • 25% off the purchase of Skywards Miles (up to a maximum of 25,000 Miles) when you use your Emirates Standard Chartered Infinite Credit Card8.
  • Complimentary travel insurance9.

An annual fee applies to this card: PKR 30,000 for primary cards and PKR 15,000 for supplementary cards.

Emirates Standard Chartered Platinum Credit Card

Emirates Standard Chartered Platinum Credit Card
  • A one-time welcome bonus of 5,000 Skywards Miles10.
  • An annual bonus of 8,000 Skywards Miles11.
  • 1 Skywards Mile for every PKR 125 spent on domestic purchases (PKR currency)12.
  • 2 Miles for every PKR 125 spent on international purchases (non-PKR currency)12.
  • 2 Miles for every PKR 125 spent with Emirates (4 Miles if you spend the equivalent amount in any other currency)12.
  • Unlimited airport transfers to and from the airport in Pakistan when you fly Emirates in Business Class to Dubai or travel in any class to any other Emirates destination. This service is provided by Hertz13.
  • Complimentary access to four airport lounges in Pakistan (Karachi, Lahore, Islamabad and Multan) and six complimentary visits a year to up to 20 lounges around the world. This service is provided by Loungekey14.
  • Priority check-in for you and your family members when you fly Emirates from airports in Pakistan (Business Class desks at some airports)15.
  • 25% off the purchase of Skywards Miles (up to a maximum of 25,000 Miles) when you use your Emirates Standard Chartered Platinum Credit Card16.
  • Complimentary travel insurance17.

An annual fee applies to this card: PKR 8,000 for primary cards and PKR 4,000 for supplementary cards.

Emirates Standard Chartered Platinum Debit Card

Emirates Standard Chartered Platinum Debit Card
  • 1 Skywards Mile for every PKR 200 spent on domestic purchases (PKR currency)
  • 2 Miles for every PKR 200 spent on international purchases (non-PKR currency)
  • 2 Miles for every PKR 200 spent with Emirates (4 Miles if you spend the equivalent amount in any other currency)
  • Airport transfers in Pakistan when you fly Emirates in Business Class to any Emirates destination. This service is provided by Hertz4
  • Complimentary access to CIP airport lounges in Pakistan (Karachi, Lahore, Islamabad and Multan)
  • Travel insurance coverage

An annual fee of PKR 8,000 applies to this card.

To apply call the Standard Chartered Bank Priority Helpline on 111-722-723 or visit the nearest branch.

Important Information

Unless otherwise stated, all benefits apply to primary and supplementary cardholders.

Infinite Credit card

  1. Bonus Miles at sign-up
    • You will earn 20,000 Skywards Miles on your Emirates Standard Chartered Infinite Credit Card once you activate your card.
    • Please allow four to six weeks for the bonus Miles to be credited to your Emirates Skywards account.
    • This offer is for new cardholders only.
    • You will be eligible to earn the bonus Miles only once upon sign-up and approval of the card.
    • If you cancel and subsequently re-apply for the card or convert from an existing Standard Chartered card, you will not be eligible for the bonus Skywards Miles.
  2. Annual bonus Miles
    • The primary cardholder will be eligible to earn up to 30,000 bonus Skywards Miles upon purchasing tickets to any destination on the Emirates network. 15,000 bonus Miles will be awarded for each ticket, as long as it is valued at PKR 25,000 or more. A maximum of 30,000 bonus Miles will be awarded if 2 tickets are purchased, each valued at PKR 25,000 or more.
    • You will receive a promotion code and details on the booking process within 6 to 8 weeks of activating your card. The promotion code is valid for 12 months from your card approval.
    • The bonus Miles will only be credited if the Emirates ticket is booked for the primary cardholder and paid using the Emirates Standard Chartered Infinite Credit Card.
    • This offer is applicable for bookings in any class of travel.
    • Each year upon payment of the annual fee, the primary cardholder will requalify for the bonus Miles offer.
    • This offer is not applicable on Cash+Miles flight bookings.
    • Bonus Skywards Miles do not apply towards reissued tickets.
    • The bonus Miles will be credited to the cardholder's Emirates Skywards account within 7 days of purchasing the ticket. If the ticket is subsequently cancelled the bonus Miles will be reversed.
  3. Skywards Miles earning terms and conditions:
    Miles Earn Rate - Domestic spends
    • You will earn 1 Skywards Mile for every PKR 100 you spend locally on the Emirates Standard Chartered Platinum Credit Card.
    • Local/Domestic spend means any eligible transaction in PKR currency. Transactions outside Pakistan in PKR currency will be classified as Local spend.
    Miles Earn Rate - International spends
    • You will earn 2 Skywards Miles for every PKR 100 you spend internationally on the Emirates Standard Chartered Platinum Credit Card.
    • International spend means any eligible transaction in foreign currency (non-PKR) within or outside of Pakistan.
    Miles Earn Rate – Emirates spends
    • You will earn 2 Skywards Miles for every PKR 100 you spend with Emirates and 4 Skywards Miles for every PKR 125 spent on Emirates in foreign currency (non-PKR) using your card.
    • Emirates spend is categorised as transactions done either on emirates.com or at the Emirates Sales office.
    • Transactions that are not eligible to earn Skywards Miles include, but are not limited to balance transfers, Dial a Cheque, conversion to instalment plans, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorized, illegal and/or fraudulent.
    • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 15 days.
    • The number of Skywards Miles earned from credit card spend will be displayed on the primary cardholder's monthly credit card statement.
    • Where a refund is made on your card, your Skywards Miles total will be adjusted accordingly by the Bank from your subsequent Miles earnings.
    • If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number when applying for the card. Please note the Emirates Skywards membership number you give us must be for an Emirates Skywards account in your name.
    • If you are not an existing Emirates Skywards member, your personal information will be shared by the Bank with Emirates to enrol you in the Emirates Skywards programme and credit the Skywards Miles to your account.
    • If you have any supplementary cardholders on your card account, any Skywards Miles they earn by spending on their cards will also be credited to your Emirates Skywards account.
    • Emirates Skywards programme rules apply.
  4. Emirates Skywards Silver membership
    • The Emirates Standard Chartered Infinite Credit Card entitles you to Emirates Skywards Silver membership for one year.
    • Please allow up to 21 days from card approval to be enrolled or upgraded to Emirates Skywards Silver membership.
    • An email confirmation of your membership status will be sent with instructions on how to view & download your Emirates Skywards Silver digital card.
    • To retain the Emirates Skywards Silver membership for the 2nd year onwards, the cardholder needs to meet the required criteria set by Emirates Skywards. In case the criteria is not met the cardholder will be downgraded to Blue membership.
    • If you are an existing Emirates Skywards Silver member, your Silver membership will be extended for one year from the card approval date.
    • If you are an Emirates Skywards Gold or Platinum member your tier status will not be affected.
  5. Airport transfers
    • Primary cardholders purchasing a ticket on an Emirates marketed and operated flight using their Emirates Standard Chartered Infinite Credit Card will be eligible for complimentary airport transfers for both pick-up and drop-off in Pakistan.
    • This service is provided by Hertz.
    • This service is available if the ticket is booked to any Emirates destination and in any class of travel.
    • The service will be provided when the Emirates ticket is purchased from the Emirates website or Emirates Sales office.
    • To avail of the transfer the cardholder needs to book the service at least 72 hours prior to the flight, by calling the Standard Chartered Pakistan’s Priority Helpline at +92 111 722 723.
    • The service is only applicable if the ticket is purchased under the cardholder's name.
    • In case of group travel, the service will be provided if the cardholder is one of the travellers.
    • Only one car will be provided on a complimentary basis with a maximum of 3 passengers and 2 luggage items.
    • In case the ticket is cancelled or flight schedule is changed, the cardholder needs to inform the service provider.
  6. Lounge access
    International airport lounge access
    • The Emirates Standard Chartered Infinite Credit Card entitles you to unlimited complimentary access to over 750 lounges worldwide via LoungeKey.
    • This benefit can be availed by the cardholder and a guest by simply presenting the Emirates Standard Chartered Infinite Credit Card at the lounge reception.
    • For more information visit LoungeKey.
    Airport lounge access in Pakistan (Islamabad, Karachi, Lahore and Multan)
    • Cardholders can get complimentary access to CIP International airport lounges in Pakistan by presenting the Emirates Standard Chartered Infinite Credit Card upon arrival at the lounge.
  7. Emirates priority check-in
    • The Emirates Standard Chartered Infinite Credit Card offers you access to the Business Class check-in desks when travelling Emirates in Economy Class from Pakistan. This benefit is only applicable at airports in Pakistan where Emirates flies from.
    • You can avail of this benefit when you have purchased a ticket with your Emirates Standard Chartered Infinite Credit Card by simply presenting your card at the check-in counter.
    • You may utilise this benefit unlimited times when travelling Economy Class from Pakistan.
    • This benefit is applicable to the primary cardholder and accompanying family.
  8. 25% discount on purchase of Skywards Miles
    • The Emirates Standard Chartered Infinite Credit Card offers you a 25% discount when you purchase Skywards Miles.
    • Skywards Miles can be purchased online by visiting emirates.com/pk. You need to log-in to your Emirates Skywards account and follow the Purchase Miles process.
    • The 25% discount will automatically be added when you check-out to pay for the Miles, providing you pay with your Emirates Standard Chartered Infinite Credit Card.
    • Emirates Skywards Purchase of Miles rules apply:
      • Tier Miles cannot be purchased.
      • The minimum number of Skywards Miles that can be purchased is 2,000.
      • Skywards Miles can only be purchased in blocks of 1,000.
      • A maximum of 25,000 Skywards Miles can be purchased by or for any Emirates Skywards member in a calendar year.
      • Purchased Skywards Miles are non-refundable.
      • You must have at least one earning activity in your Emirates Skywards account (earned by flying on Emirates or through a partner transaction) to be eligible to purchase or receive Skywards Miles.
      • Skywards Miles must be purchased at least 48 hours before booking.
  9. Travel inconvenience insurance

    Platinum Credit card

  10. Bonus Miles at sign-up
    • You will earn 5,000 Skywards Miles on your Emirates Standard Chartered Platinum Credit Card once you activate your card.
    • Please allow four to six weeks for the bonus Miles to be credited to your Emirates Skywards account.
    • This offer is for new cardholders only.
    • You will be eligible to earn the bonus Miles only once upon sign-up and approval of the card.
    • If you cancel and subsequently re-apply for the card or convert from an existing Standard Chartered card, you will not be eligible for the bonus Skywards Miles.
  11. Annual bonus Miles
    • The primary cardholder will be eligible to earn 8,000 bonus Skywards Miles upon purchasing a ticket to any destination on the Emirates network.
    • You will receive a promotion code and details on the booking process within 6 to 8 weeks of activating your card. The promotion code is valid for 12 months from your card approval.
    • To receive the bonus Miles you need to purchase at least one Emirates ticket valued at PKR 25,000 or more using your Emirates Standard Chartered Platinum Credit Card.
    • The bonus Miles will only be credited if the Emirates ticket is booked for the primary cardholder.
    • This offer is applicable for bookings in any class of travel.
    • Each year upon payment of the annual fee, the primary cardholder will requalify for the bonus Miles offer.
    • This offer is not applicable on Cash+Miles flight bookings.
    • Bonus Skywards Miles do not apply towards reissued tickets.
    • The bonus Miles will be credited to the cardholder's Emirates Skywards account within 7 days of purchasing the ticket. If the ticket is subsequently cancelled the bonus Miles will be reversed.
  12. Skywards Miles earning terms and conditions:
    Miles Earn Rate - Domestic spends
    • You will earn 1 Skywards Mile for every PKR 125 you spend locally on the Emirates Standard Chartered Platinum Credit Card.
    • Local/Domestic spend means any eligible transaction in PKR currency. Transactions outside Pakistan in PKR currency will be classified as Local spend.
    Miles Earn Rate - International spends
    • You will earn 2 Skywards Miles for every PKR 125 you spend internationally on the Emirates Standard Chartered Platinum Credit Card.
    • International spend means any eligible transaction in foreign currency (non-PKR) within or outside of Pakistan.
    Miles Earn Rate – Emirates spends
    • You will earn 2 Skywards Miles for every PKR 125 you spend with Emirates and 4 Skywards Miles for every PKR 125 spent on Emirates in foreign currency (non-PKR) using your card.
    • Emirates spend is categorised as transactions done either on emirates.com or at the Emirates Sales office.
    • Transactions that are not eligible to earn Skywards Miles include, but are not limited to balance transfers, Dial a Cheque, conversion to instalment plans, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorized, illegal and/or fraudulent.
    • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 15 days.
    • The number of Skywards Miles earned from credit card spend will be displayed on the primary cardholder's monthly credit card statement.
    • Where a refund is made on your card, your Skywards Miles total will be adjusted accordingly by the Bank from your subsequent Miles earnings.
    • If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number when applying for the card. Please note the Emirates Skywards membership number you give us must be for an Emirates Skywards account in your name.
    • If you are not an existing Emirates Skywards member, your personal information will be shared by the Bank with Emirates to enrol you in the Emirates Skywards programme and credit the Skywards Miles to your account.
    • If you have any supplementary cardholders on your card account, any Skywards Miles they earn by spending on their cards will also be credited to your Emirates Skywards account.
    • Emirates Skywards programme rules apply 3.
  13. Airport transfers
    • Primary cardholders purchasing a ticket on an Emirates marketed and operated flight using their Emirates Standard Chartered Platinum Credit Card will be eligible for complimentary airport transfers for both pick-up and drop-off in Pakistan.
    • This service is available if the ticket is booked to any Emirates destination and in any class of travel with the exception of Emirates Economy Class tickets to Dubai.
    • This service is provided by Hertz.
    • The service will be provided when the Emirates ticket is purchased from the Emirates website or Emirates Sales office.
    • The service is only applicable if the ticket is purchased under the cardholder's name.
    • In case of group travel, the service will be provided if the cardholder is one of the travellers.
    • Only one car will be provided on a complimentary basis with a maximum of 3 passengers and 2 luggage items.
    • To avail of the transfer the cardholder needs to book the service at least 72 hours prior to the flight, by calling the Standard Chartered Pakistan’s Priority Helpline at +92 111 722 723.
    • In case the ticket is cancelled or flight schedule is changed, the cardholder needs to inform the service provider.
  14. Lounge access
    International airport lounge access Airport lounge access in Pakistan (Islamabad, Karachi, Lahore and Multan)
    • Cardholders can get complimentary access to CIP International airport lounges in Pakistan by presenting the Emirates Standard Chartered Platinum Credit Card upon arrival at the lounge.
  15. Emirates priority check-in
    • The Emirates Standard Chartered Platinum Credit Card offers you access to the Business Class check-in desks when travelling Emirates in Economy Class from Pakistan. This benefit is only applicable at airports in Pakistan where Emirates flies from.
    • You can avail of this benefit when you have purchased a ticket with your Emirates Standard Chartered Platinum Credit Card by simply presenting your card at the check-in counter.
    • You may utilise this benefit unlimited times when travelling Economy Class from Pakistan.
    • This benefit is applicable to the primary cardholder and accompanying family.
  16. 25% discount on purchase of Skywards Miles
    • The Emirates Standard Chartered Platinum Credit Card offers you a 25% discount when you purchase Skywards Miles.
    • Skywards Miles can be purchased online by visiting emirates.com/pk. You need to log in to your Emirates Skywards account and follow the Purchase Miles process.
    • The 25% discount will automatically be added when you check-out to pay for the Miles, providing you pay with your Emirates Standard Chartered Platinum Credit Card.
    • Emirates Skywards Purchase of Miles rules apply:
      • Tier Miles cannot be purchased.
      • The minimum number of Skywards Miles that can be purchased is 2,000.
      • Skywards Miles can only be purchased in blocks of 1,000.
      • A maximum of 25,000 Skywards Miles can be purchased by or for any Emirates Skywards member in a calendar year.
      • Purchased Skywards Miles are non-refundable.
      • You must have at least one earning activity in your Emirates Skywards account (earned by flying on Emirates or through a partner transaction) to be eligible to purchase or receive Skywards Miles.
      • Skywards Miles must be purchased at least 48 hours before booking.
  17. Travel inconvenience insurance
    • For more information, please contact the partner helpdesk +92 111 722 723.

    Platinum Debit card

  18. Miles earn rate
    • Every PKR 200 you spend on the Emirates Standard Chartered Platinum Debit Card earns you Skywards Miles as follows:
      • 1 Skywards Mile for every PKR 200 spent locally. Local/Domestic spend means any eligible transaction in PKR currency. Transactions outside Pakistan in PKR currency will be classified as Local spend
      • 2 Skywards Miles for every PKR 200 spent in foreign currency (non-PKR)
      • 2 Skywards Miles for every PKR 200 spent on Emirates. Emirates spend is categorised as transactions done either on emirates.com or at the Emirates Sales office
      • 4 Skywards Miles for every PKR 200 spent on Emirates in foreign currency (non-PKR)
    • Transactions that are not eligible to earn Skywards Miles include, but are not limited to, balance transfers, Dial a Cheque, conversion to instalment plans, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorised, illegal and/or fraudulent.
    • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 15 days.
    • The number of Skywards Miles earned will be displayed on the cardholder's monthly Debit card statement.
    • Where a refund is made on your card, your Skywards Miles total will be adjusted accordingly by the Bank from your subsequent Miles earnings.
    • If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number when applying for the card. Please note the Emirates Skywards membership number you give us must be for an Emirates Skywards account in your name.
    • If you are not an existing Emirates Skywards member, your personal information will be shared by the Bank with Emirates to enrol you in the Emirates Skywards programme and credit the Skywards Miles to your account.
    • Emirates Skywards programme rules apply.
  19. Airport Lounge access in Pakistan (Karachi, Lahore, Islamabad and Multan)
    • Cardholders can get complimentary access to CIP airport lounges in Pakistan by presenting the Emirates Standard Chartered Platinum Debit Card upon arrival at the lounge.
  20. Airport transfer service in Pakistan
    • Cardholders purchasing a ticket in Business Class on an Emirates marketed and operated flight using their Emirates Standard Chartered Platinum Debit Card will be eligible for complimentary airport transfers for both pick-up and drop-off in Pakistan.
    • The service will be provided when the Emirates ticket is purchased from the Emirates website or Emirates Sales office.
    • The benefit is linked to the number of Emirates tickets purchased. The service is uncapped.
    • This service is provided by Hertz.
    • To enjoy this benefit the cardholder needs to book the service at least 72 hours prior to the flight.
    • The service is only applicable if the ticket is purchased under the cardholder's name.
    • In case of group travel, the service will be provided if the cardholder is one of the travellers.
    • Only one car will be provided on a complimentary basis with a maximum of 3 passengers and 2 luggage items.
    • In case the ticket is cancelled or flight schedule is changed, the cardholder needs to inform the service provider.