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EaseMyTrip Credit Card

Standard Chartered Bank |
Entry Level Rewards Travel

Annual Fee

₹350

Rewards/₹100 ⓘ

₹0.50 - ₹2.50

Normalized to balance base rate with bonus categories

Interest Rate

45.00%

Credit Score

700+

At a Glance

Key Benefits

10x rewards on direct airline/hotel bookings, up to 20% off on EaseMyTrip hotels, 10% off flights, no reward caps

Lounge Access

2 complimentary domestic lounge visits per year (international access discontinued from Oct 2024)

Eligibility

Age: 18-65 years, Monthly Income: Rs.30,000+, Credit Score: 700+, Stable employment

Quick Details

Annual Fee
₹350 #71
Joining Fee
₹350 #76
Interest Rate
45.00% p.a. #244
Forex Markup
3.50% #75
Rewards/₹100
₹0.50 - ₹2.50 #114
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹750
Cash Advance Fee ₹300 3.00% (min ₹300)
Card Replacement Fee ₹100
Fee Waiver on Spend ₹50,000/yr

Reward Structure

Base

All Spends

₹0.50 /₹100
Cat

Standalone Airline/Hotel Websites, Apps & Outlets

₹2.50 /₹100

Reward Calculator

₹
Allocate by Category100%
Standalone Airline/Hotel Websites, Apps & Outlets
10.0 pts
60%₹30,000
Other Spends
2.0 pts
40%₹20,000
Your Rewards
Points Earned3,400
Cash Value₹850
Breakdown
Standalone Airline/Hotel Websites, Apps & Outlets3,000
Other Spends400
Total Value₹850
Quick amounts:

Airport Lounge Access

Domestic Free
2

visits per year

Available for both primary and add-on cardholders. Effective from October 15, 2024.

Lifestyle Perks

Custom

1 /month

EaseMyTrip Domestic Hotels: 20% off up to Rs.5,000 per transaction (code: EMTSCB)

Custom

1 /month

EaseMyTrip International Hotels: 20% off up to Rs.10,000 per transaction (code: EMTSCB)

Custom

1 /month

EaseMyTrip Domestic Flights: 10% off up to Rs.1,000 per transaction (code: EMTSCB)

Custom

1 /month

EaseMyTrip International Flights: 10% off up to Rs.5,000 per transaction (code: EMTSCB)

Custom

1 /month

EaseMyTrip Bus Tickets: Rs.125 off on minimum ticket value of Rs.500 (code: EMTSCB)

Custom

1

Zero liability protection on lost/stolen card fraudulent transactions

Quick Analysis

The Standard Chartered EaseMyTrip Credit Card is a budget-friendly travel card designed for frequent EaseMyTrip users. With 10x rewards on direct airline/hotel bookings and generous instant discounts on EaseMyTrip platform (up to 20% on hotels, 10% on flights), it offers excellent value for budget travelers. However, the base reward rate of 0.5% is low, lounge access is minimal (only 2 domestic visits/year), and there's no travel insurance. Best suited for those who frequently book through EaseMyTrip and want to maximize savings on travel bookings.

Pros

  • 10x rewards (2.5%) on direct airline and hotel bookings
  • Up to 20% instant discount on EaseMyTrip hotel bookings
  • Up to 10% instant discount on EaseMyTrip flight bookings
  • 2 domestic lounge visits per year
  • No cap on reward points earning
  • Zero liability protection on lost/stolen card
  • Kuch Bhi EMI conversion for purchases above Rs.2,000
  • Loan on card facility up to Rs.5 lakhs
  • Balance transfer facility available
  • Contactless payments enabled

Cons

  • Lounge access limited to only 2 domestic visits per year
  • International lounge access discontinued from Oct 2024
  • Low base reward rate of 0.5% on regular spends
  • EaseMyTrip discounts limited to once per month per category
  • High reward redemption fee of Rs.99
  • High 3.5% forex markup on international transactions
  • High 45% annual interest rate (3.75% per month)
  • Reward points expire in 2 years
  • Annual fee of Rs.350 (waivable with Rs.50K spend)
  • No travel insurance coverage included

Best For

EaseMyTrip frequent users, budget travelers, entry-level travel enthusiasts

Not Ideal For

Premium travelers seeking extensive lounge access, those wanting travel insurance, high spenders on non-travel categories

Frequently Asked Questions

What is the joining fee and annual fee for Standard Chartered EaseMyTrip Credit Card?
The joining fee is Rs.350 + GST, and the annual fee is Rs.350 + GST from the first year onwards. The renewal fee will be reversed if you spend Rs.50,000 or more in the preceding year.
What reward points do I earn on this card?
You earn 10 reward points for every Rs.100 spent on standalone airline and hotel websites, apps, or outlets (2.5% value). For all other retail purchases, you earn 2 reward points per Rs.100 spent (0.5% value). Each reward point is valued at Rs.0.25. There is no monthly cap on reward points earning.
What discounts do I get on EaseMyTrip bookings?
Using coupon code "EMTSCB", you get: (1) 20% off domestic hotels up to Rs.5,000 per transaction, (2) 20% off international hotels up to Rs.10,000 per transaction, (3) 10% off domestic flights up to Rs.1,000 per transaction, (4) 10% off international flights up to Rs.5,000 per transaction, and (5) Rs.125 off bus tickets on minimum Rs.500 booking. Each discount can be availed once per month per category.
How many lounge visits do I get with this card?
You get 2 complimentary domestic airport lounge visits per calendar year. This benefit is available for both primary and add-on cardholders individually. Note that international lounge access (including Priority Pass) has been discontinued effective October 15, 2024.
Do reward points expire?
Yes, reward points expire within 2 years from the date they are earned. Make sure to redeem your points before expiry to maximize value.
What is the reward redemption fee?
There is a reward redemption fee of Rs.99 charged when you redeem your accumulated reward points.
What is the interest rate on this card?
The annual interest rate is 45% per annum (3.75% per month) on unpaid balances and cash withdrawals. It is advisable to pay your full statement balance before the due date to avoid interest charges.
What is the forex markup on international transactions?
A 3.5% fee is applied to all transactions made in foreign currency. This makes it less ideal for frequent international travelers compared to cards with lower forex markup.
What insurance coverage is included with this card?
This card does not include any travel insurance, air accident insurance, or purchase protection. It is a budget-friendly card focused on discounts and rewards rather than premium insurance benefits.
What are the eligibility criteria for this card?
You must be between 18-65 years of age, have a stable monthly income (typically Rs.30,000+ for salaried individuals), maintain a good credit score (700+), and reside in Standard Chartered's credit card sourcing cities. All applications are subject to the bank's credit and policy checks.
Can I convert purchases to EMI?
Yes, you can use the Kuch Bhi EMI option to convert any spending above Rs.2,000 into EMIs. The card also offers a Loan on Card facility up to Rs.5,00,000 with flexible tenure from 12 to 60 months.
Does this card offer add-on cards?
Yes, you can get add-on cards for family members. Add-on cardholders can enjoy the same card benefits including the 2 complimentary domestic lounge visits per year.

User Reviews

Our Rating

3.3
APPLY NOW

on Standard Chartered Bank's website

Rating Breakdown

Rewards
3.8/5 Top 24%
Benefits
2.5/5 Top 53%
Fees
3.9/5 Top 24%
Value for Money
2.9/5 Top 78%
User Reviews
3.0/5 Top 50%

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