CREDIT CARD DETAIL Standard Chartered Emirates Titanium Card Card Highlights Card Class Platinum/Titanium Card Type Airline Issuer Standard Chartered Bank Offered Type MasterCard Rewards Airline Main Features Skywards Membership and Miles Airport Lounge access Insurance benefits Golfing offers Flemingo Duty Free  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 1 month Interest Rate 3.1% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Nil Annual Fee Rs 1000 Add On Card Fee Nil Cash Advance Transaction Fee ATM Withdrawal: 3% of the cash withdrawal amount subject to a minimum of Rs 300. For withdrawals using the teller facility at Banks Branches. an additional fee of Rs 500 will be levied. Late Payment Rs 350 for statement outstanding less than Rs.10,000 500 for statement outstanding between Rs.10,000 and 20,000 600 for statement outstanding greater than Rs.20,000 Late fee of Rs.100 will get debited over and above the late charges if the Minimum Amount Due is not received for two or more consecutive months. Free Credit Period Min.: 20 days Max.: 52 days Minimum Amount Due 5% Limited Lost Card Liability Report the loss of your card to the Bank & you can avail of the Zero Lost Card Liability. Over Limit Charges Min.: Rs 500 Cheque Bounce Fee Min.: Rs 300 Return of Cheque Fee Min.: Rs 300 Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 100 or 1% of cheque value (if amount exceeds Rs 10,000) Dial a Draft Fee Out station Teledraft charges is Rs 100. Teledraft cancellation charges is Rs 50. Replacement Card Charges Rs 100 Charge Slip Request Rs 100 Railway Booking Surcharge (Online) 2.5% Air/Railway Booking Comment Rs 25 or 2.5% of transaction (whichever is higher) on Railway transactions. Fuel Surcharge 2.5% Foreign Currency Transaction Charges All Non- Indian rupees transactions are converted into Indian Rupees at a rate advised by the franchise (Visa / Master). The bank charges an extra 2.5% on the transaction and an additional 1% markup is charged towards reimbursement to the franchise. Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Every Rs.100 spent on the card earns the Titanium member 2 Skywards Miles. These Miles can be redeemed through Emirates for free tickets, upgrades and much more.  Airline   Airline: Airport Lounge Access Yes Delay in Flight (after 12 hours) $ 300, for every 12 hours $ 30, Trip curtailment / interruption $ 1,000, Deductible $25 Delay in Receipt of Checked Baggage (after 6 hours) $ 600 Loss of Checked Baggage Cover Upto Overseas $ 3,000, Domestic $ 250, Per article and per bag limits 10% / 50% Loss of Travel Documents $ 750 Deductible $ 30 Loss of passport $ 250 Deductible $ 30 Loss of international driving license $ 75 Deductible $ 25 Hijacking Cover Upto ($600 per day) $ 6,000 Deductible 1day Comment (on Airport Lounge Access) Mumbai International Clipper Lounge - Terminal 2A near gate -3 Clipper Lounge - Terminal 2A near gate-7 Clipper Lounge - Terminal 2C Domestic Clipper Lounge -T erminal 1B Clipper Lounge - Terminal 1B ground floor Clipper Bar and Restaurant - Terminal 1A Kolkatta International Clipper Lounge Domestic Top Deck Restaurant and bar lounge Cochin International Clipper Restaurant and Lounge Domestic Clipper restaurant and lounge Chennai Clipper Lounge - New International Airport Delhi Clipper Lounge - International Airport.  Fitness   Fitness: Golf Club Access Yes Description (Golf Club Access) The Titanium card offers free access to premium golf courses across the globe in Australia, China, India, Indonesia, Malaysia, Thailand and United Arab Emirates. Invite a paying guest and enjoy free golf. Guests enjoy a privileged rate for green fees. Enjoy complimentary access and discounts of up to 50% on green fees all year round at 15 of India’s best golf courses. You can even take a companion along each time  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes Insurance: Air Accident Accidental Death (Air only) $ 250,000 Hospitalization Benefits No  Terms & Conditions   Terms & Conditions CardMember Rules and Regulations Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. 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