The Standard Chartered EaseMyTrip Credit Card is an entry-level Visa credit card that combines instant travel discounts with a rewards program. The card's primary value proposition lies in its exclusive partnership with EaseMyTrip, India's second-largest online travel company, offering cardholders substantial discounts on their travel bookings.

Key Highlights

• Flat 20% discount on domestic and international hotel bookings via EaseMyTrip
• Flat 10% discount on domestic and international flight bookings via EaseMyTrip
• 10X reward points (10 points per ₹100) on standalone hotel and airline websites/apps
• 2X reward points (2 points per ₹100) on all other retail spending
• 2 complimentary domestic lounge visits per calendar year
• Annual fee waiver on ₹50,000 annual spending

The standout feature of this card is the exclusive discount on bookings made through the EaseMyTrip platform using promo code EMTSCB:

• Hotel Bookings: Flat 20% instant discount with maximum savings of ₹5,000 on domestic bookings and ₹10,000 on international hotel reservations
• Flight Tickets: Flat 10% instant discount capped at ₹1,000 for domestic flights and ₹5,000 for international flight bookings
• Bus Bookings: Flat ₹125 discount on bus ticket bookings of ₹500 or more

Reward Points Program

The card offers a dual-tier rewards structure:

• 10X Accelerated Rewards: Earn 10 reward points for every ₹100 spent at standalone hotel and airline websites, apps, and outlets
• 2X Base Rewards: Earn 2 reward points for every ₹100 on all other retail purchases
• Point Value: Every 2 reward points = ₹0.50 (1 point = ₹0.25)
• Validity: Reward points are valid for 24 months from the date of accumulation

Airport Lounge Access

Cardholders receive 2 complimentary domestic airport lounge visits per calendar year. Please note that international lounge access (both within and outside India) has been discontinued with effect from October 15, 2024.

Fee Waiver Benefit

The annual fee of ₹350 + GST can be waived if you spend ₹50,000 or more on the card in the previous anniversary year, making it virtually free for regular users.

The Standard Chartered EaseMyTrip Credit Card does not offer specific welcome bonus rewards or points upon issuance. However, cardholders can immediately start enjoying the travel discounts and reward points on their very first transaction.

Milestone Rewards

Annual Fee Waiver Milestone: Spend ₹50,000 or more on your card within a membership year to get the annual renewal fee of ₹350 + GST waived for the next year. This milestone benefit makes the card virtually free for regular users who can comfortably achieve this spend threshold.

Ongoing Benefits

• Instant discounts on every EaseMyTrip booking using promo code EMTSCB
• Accumulate reward points on every transaction (2X base, 10X on travel)
• Access to 2 domestic airport lounges annually

Standard Chartered EaseMyTrip Credit Card offers 2 complimentary domestic airport lounge visits per calendar year. This benefit allows cardholders to relax in comfort before their domestic flights across participating airport lounges in India.

Important Change: International Lounge Discontinued

With effect from October 15, 2024, complimentary access to international airport lounges (both within India and overseas) has been discontinued. This represents a significant devaluation from the earlier benefit structure which offered international lounge visits.

How to Access Lounges

Present your Standard Chartered EaseMyTrip Credit Card at participating domestic airport lounges. The lounge access is subject to availability and lounge terms and conditions.

The Standard Chartered EaseMyTrip Credit Card operates on the Standard Chartered 360° Rewards program with a two-tier earning structure:

10X Accelerated Rewards

Earn 10 reward points for every ₹100 spent at:

• Standalone hotel websites, apps, and outlets
• Standalone airline websites, apps, and outlets

2X Base Rewards

Earn 2 reward points for every ₹100 spent on all other retail purchases and transactions.

Excluded Categories

No reward points are earned on:

• Cash withdrawals and cash advances
• Card fees and charges
• EMI transactions
• Fuel surcharge waivers (not available on this card)

Reward Point Value

Every 2 reward points earned = ₹0.50 in redemption value, which means 1 reward point = ₹0.25.

Redeeming Reward Points

Reward points can be redeemed through the Standard Chartered 360° Rewards portal for:

• Merchandise: Choose from a wide catalogue of products including electronics, home appliances, lifestyle products, etc.
• Gift Vouchers: Redeem for vouchers from popular brands and retailers
• Services: Use points for various services available on the portal

Reward Points Validity

Important: Reward points are valid for 24 months (2 years) from the date of accumulation. Points that are not redeemed within this period will expire and cannot be recovered.

Example Calculation

If you spend ₹10,000 on airline tickets through an airline website:

• Points Earned: (10,000 ÷ 100) × 10 = 1,000 reward points
• Redemption Value: 1,000 × ₹0.25 = ₹250
• Effective Reward Rate: 2.5% on travel spending

Note: All fees and charges are subject to change by Standard Chartered Bank. Please check the latest fee schedule on the bank's website.

• Age: Applicants should be between 18 and 65 years old
• Add-on Cardholders: Minimum age of 18 years for supplementary cardholders
• Income: Applicants should have a stable monthly income (specific amount not disclosed by the bank)
• Credit Score: A good CIBIL score of 700 or above is recommended for better approval chances
• Residency: Applicants must belong to credit card sourcing cities/locations where Standard Chartered Bank services are available
• Nationality: Indian citizens with valid address proof

All applications are subject to credit assessment and policy checks by Standard Chartered Bank.

• PAN Card (Mandatory for all credit card applications)
• Aadhaar Card
• Passport
• Voter ID Card
• Driving License
• Government-issued Photo ID

Address Proof (Any One)

• Aadhaar Card
• Passport
• Driving License
• Voter ID Card
• Utility Bills (not older than 3 months - electricity, gas, telephone)
• Bank Account Statement (last 3 months)
• Ration Card
• Property Registration Documents

Income Proof

For Salaried Individuals:

• Latest 1-2 salary slips (not more than 3 months old)
• Form 16 (latest financial year)
• Last 3 months bank account statement

For Self-Employed Professionals:

• Latest Income Tax Returns (ITR) with computation of income
• Business continuity proof

For Self-Employed Businessmen:

• Latest IT Returns with computation of income or Certified Financial Statements
• Business continuity proof (registration certificate, GST certificate, etc.)

Additional Documents

• 1 recent passport-sized photograph

1. Visit the Standard Chartered Bank website at sc.com/in/credit-cards/easemytrip-credit-card/
2. Click on the "Apply Now" button on the product page
3. Fill in the digital application form with your personal and financial details
4. Upload the required documents (see Documents Required section below)
5. Submit your application for credit assessment
6. Track your application status through the bank's application tracking system

Offline Application

1. Visit the nearest Standard Chartered Bank branch in your city (check availability of Standard Chartered services in your location)
2. Request the credit card application form from the customer service representative
3. Fill out the physical application form with accurate details
4. Submit the form along with required documents
5. The bank will process your application and communicate the decision

Application Processing Time: Standard Chartered Bank typically processes credit card applications within 7-10 working days, subject to document verification and credit checks.

The Standard Chartered EaseMyTrip Credit Card is a well-designed entry-level travel credit card that delivers strong value for frequent domestic travelers who regularly use the EaseMyTrip platform. With its nominal annual fee of ₹350 (easily waived on modest spending), attractive 20% hotel and 10% flight discounts, and rewarding points structure, it represents an excellent starting point for those new to travel credit cards.

The card's strength lies in its simplicity and focused benefit structure. Unlike complex premium cards with multiple categories and restrictions, the SC EaseMyTrip card offers straightforward instant discounts that are easy to understand and utilize. The 10X reward points on standalone travel bookings further enhance its appeal, providing 2.5% returns on travel spending even outside the EaseMyTrip ecosystem.

Best suited for: Budget-conscious travelers who make 2-3 domestic trips annually and prefer booking through EaseMyTrip. Students, young professionals, and first-time credit card users will find this card particularly attractive due to its low fee structure and immediate travel savings.

Not ideal for: Premium travelers seeking comprehensive airport lounge access (especially international), those looking for fuel surcharge waivers, or cardholders who rarely use EaseMyTrip for bookings. The recent discontinuation of international lounge access also diminishes its appeal for frequent international travelers.

Overall, for its annual fee of just ₹350, the Standard Chartered EaseMyTrip Credit Card punches well above its weight in the entry-level travel card segment, making it a smart choice for travelers who prioritize instant savings over luxury perks.