By: OurMoneyGuide || Last updated on: May 25, 2024

Standard Chartered EaseMyTrip Credit Card is a co-branded card issued by Standard Chartered Bank, in partnership with EaseMyTrip. Hence you get special benefits on EaseMyTrip travel bookings – hotels, flights & bus tickets. You also get complimentary airport lounge access and other benefits, and the card has a low annual fee. Hence it is a good entry-level travel card option for frequent travellers.

Brief Summary

Our Rating

4.0 / 5

20% discount on hotels, 10% on flights, 25% on bus tickets – on EaseMyTrip website & app.

With a low annual fee of ₹ 350 , and a low annual card spend target of ₹50000 to waive renewal fee, along with complimentary airport lounge access both in India and abroad – this card is a good entry level travel card.

Pros & Cons of Standard Chartered Bank EaseMyTrip Credit Card

Pros

  • Attractive discounts on hotels & flights, both domestic and international (10% – 20%). This can be availed on a monthly basis.
  • Complimentary airport lounge access both in India and abroad
  • The annual fee is not high and the annual spend target (₹50,000) to make the card virtually free is also not high

Cons

  • You are restricted to EaseMyTrip travel platform to earn special travel benefits
  • Not suitable for those travellers who prefer to travel by train, and also heavy bus travellers

Features & Benefits of the Standard Chartered Bank EaseMyTrip Credit Card

20% discount (upto ₹5000 per monthon domestic hotel bookings on EaseMyTrip

You get 20% discount on domestic hotel bookings on EaseMyTrip, on booking amount upto ₹25,000 per month (since the maximum discount is ₹5000). On monthly bookings above ₹25,000 , you will only get the maximum discount of ₹5000, hence your discount% will fall below 20%.

You can avail this discount once per month, by using the promo code “EMTSCB”.

You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends – additional 0.50% benefit.

Let’s take 2 examples to explain the above –
1. You spend ₹20,000 on domestic hotel bookings on EaseMyTrip – you get the 20% discount on EaseMyTrip (₹4,000), plus 0.50% benefit (₹100) from reward points – for a total benefit of ₹4,100 on this booking of ₹20,000 i.e. 20.50% total benefit
2. You spend ₹40,000 on domestic hotel bookings on EaseMyTrip – you get the maximum discount of ₹5000 on EaseMyTrip, plus 0.50% benefit (₹200) from reward points – for a total benefit of ₹5,200 on this booking of ₹40,000 i.e. 13% total benefit

20% discount (upto ₹10,000 per month) on international hotel bookings on EaseMyTrip

You get 20% discount on international hotel bookings on EaseMyTrip, on booking amount upto ₹50,000 per month (since the maximum discount is ₹10,000 per month). On monthly bookings above ₹50,000, you will only get the maximum discount of ₹10,000, so the discount percentage will fall below 20%.

You can avail this discount once per month, by using the promo code “EMTSCB”.

You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends – additional 0.50% benefit.

Let’s take 2 examples to explain the above –
1. You spend ₹40,000 on domestic hotel bookings on EaseMyTrip – you get the 20% discount on EaseMyTrip (₹8,000), plus 0.50% benefit (₹200) from reward points – for a total benefit of ₹8,200 on this booking of ₹40,000 i.e. 20.50% total benefit
2. You spend ₹60,000 on domestic hotel bookings on EaseMyTrip – you get the maximum discount of ₹10,000 on EaseMyTrip, plus 0.50% benefit (₹300) from reward points – for a total benefit of ₹10,300 on this booking of ₹60,000 i.e. 17.16% total benefit

10% discount (upto ₹5000 per month) on international flight bookings on EaseMyTrip

You get 10% discount international flight bookings on EaseMyTrip, on booking amount upto ₹50,000 per month (since the maximum discount is ₹5,000). On monthly bookings above ₹50,000, you will only get the maximum discount of ₹5,000, so the discount percentage will fall below 10%.

You can avail this discount once per month, by using the promo code “EMTSCB”.

You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends – additional 0.50% benefit.

10% discount (upto ₹1000 per month) on domestic flight bookings on EaseMyTrip

You get 10% discount on domestic flight bookings on EaseMyTrip, on booking amount upto ₹10,000 (since the maximum discount is ₹1,000). On monthly bookings above ₹10,000, you will only get the maximum discount of ₹1,000, so the discount percentage will fall below 10%.

You can avail this discount once per month, by using the promo code “EMTSCB”.

You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends – additional 0.50% benefit.

₹125 discount (upto 25%) on domestic bus bookings on EaseMyTrip

You get ₹125 discount on buying bus tickets, on a minimum ticket booking of ₹500.

You can avail this discount once per month, by using the promo code “EMTSCB”.

You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends – additional 0.50% benefit.

Let’s take 2 examples to explain the above –
1. Let’s take 2 examples to You spend exactly ₹500 on purchasing bus tickets on EaseMyTrip – you get the ₹125 discount on EaseMyTrip , plus 0.50% benefit (₹2.50) from reward points – for a total benefit of ₹127.50 on this booking of ₹500 i.e. 25.50% total benefit
2. You spend ₹1,000 on buying bus ticket on EaseMyTrip – you get the ₹125 discount on EaseMyTrip , plus 0.50% benefit (₹5) from reward points – for a total benefit of ₹130 on this booking of ₹1,000 i.e. 13% total benefit

2.50% benefit on hotels & airline spends – through standalone websites || apps || outlets

You earn 10 reward points worth ₹2.50, on every ₹100 spent at the standalone hotel and airline websites/apps/outlets.

This benefit is not valid at travel aggregators like MakeMyTrip, Cleartrip etc. For example, if you book airline tickets on the Indigo website, you will earn reward points, but if you book these tickets on ClearTrip website, you shall not earn any reward points.

1 reward point = ₹1. You can check your rewards points balance and redeem points on the bank’s rewards portal called R360, on a range of exciting offers including products, vouchers, and more. You can access the Rewards platform through the R360 Reward Portal, mobile app or internet banking.

Reward points are valid for 2 years, from the date of earning.

0.50% basic benefit on all other card spends

You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases.

Exceptions : Reward points are not given on the following card spends – returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions.

Complimentary lounge access at airports in India – 1 per quarter

You get free visits to domestic airport lounges, once per quarter.

Complimentary lounge access at airports outside India – 2 per year

You get free visits to international airport lounges, twice per year. This program is brought to you in partnership with Priority Pass, one of the leading airport lounge programs globally, and has a vast number of lounges all over the world.

Standard Chartered customer care 

Please click here for all the options to contact the bank.

Dial-A-Loan

– Loan amount up to ₹5,00,000 (but within your credit limit)
– No documentation or post-dated cheques required
– Interest rate starting at 0.99% per month based on eligibility
– Flexible tenures from 12 to 60 months
– Bank transfer (NEFT) disbursement to Standard Chartered Bank or other bank’s savings account , within 3 working days

Standard Chartered Bank EaseMyTrip Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹350
Renewal fee from 2nd year onwards₹350Renewal fee offer : Annual fee is not charged from the second year onwards , if you spend ₹50,000 or more (non-EMI spends) in the previous year.
(EMI spends are not counted as eligible spends for meeting this ₹50,000 card spend requirement , for fee waiver)

Hence the card is virtually lifetime free if you spend ₹50,000 or more each year.

Late payment fee

Late payment fees depends on the total payment due

Amount dueLate fee
Less than ₹100Nil
₹101 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹700
₹10,001 to ₹25,000₹800
Over ₹25,000₹1200

Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here –Standard Chartered Bank EaseMyTrip Credit Card Fees and Charges

Eligibility Criteria

Minimum age18 years
Maximum age65 years
Occupation Salaried, self-employed
Minimum income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of the Standard Chartered bank

Application Process

Step-by-step guide

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Standard Chartered Bank website. You can also visit official website of the bank and fill out the application form.

– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and tracking application statusIn most cases, the credit card decision would be communicated within 7-15 working days.

In certain cases, it could take longer, especially if the bank wants more information and documents from you.
Click here to track the status of your Standard Chartered Bank EaseMyTrip Credit Card application.

Necessary documents and verification

Required documents
Identity Proof (any one of the following photo cards) :
– Passport
– Voter Id Card
– Govt ID
– PAN card

Address proof (any one of the following documents with current residence address) :
– Aadhaar card, passport
– Driving license
– Election/voter’s ID card,
– Job card issued by NREGA duly signed by an officer of the state government,
– Letter issued by the National Population Register containing details of name, address.

1 recent passport-sized photograph

Financial documents for salaried:
– Latest one-month salary slip

Financial documents for self-employed:
– Self-employed businessmen : Latest IT Returns with computation of income /certified financials, last business continuity proof.
– Self-employed professionals : Latest IT Returns, business continuity proof.

Conclusion

The Standard Chartered Bank EaseMyTrip Credit Card is a very good entry level travel card. It gives good discounts on both air travel as well as hotel bookings, and provides adequate complimentary international lounge access for an entry level traveller. The annual fee is not high and the annual spend target to make the card virtually free is also not high. All in all, a very good entry level travel card.