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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

Our View :

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.

Standard Chartered Bank EaseMyTrip Credit Card

on Standard Chartered Bank website

Standard Chartered Bank EaseMyTrip Credit Card

Special Benefits

20% discount on hotels, 10% on flights, 25% on bus tickets

Other Benefits

Complimentary access to airport lounges in India and abroad

Minimum Income

Not specified

Annual Fee

₹ 350

Annual Fee Offers

Renewal fee offer : Annual fee is not charged from the 2nd year onwards , at ₹50,000 annual card spend

Standard Chartered Bank EaseMyTrip Credit Card : Summary Table

20.50% discount on domestic & international hotel bookings – on EaseMyTrip website/app20% discount on domestic hotel bookings on EaseMyTrip – upto ₹5,000 per month
– You get 20% discount on domestic hotel bookings on EaseMyTrip , on a maximum booking amount of ₹25,000 (since the maximum discount is restricted to ₹5000).
– You can avail this discount once per month.
– On monthly bookings above ₹25,000 , your discount% will fall below 20%.

20% discount on international hotel bookings on EaseMyTrip – upto ₹10,000 per month
– You get 20% discount on international hotel bookings on EaseMyTrip , on a maximum booking amount of ₹50,000 (since the maximum discount is restricted to ₹10,000).
– You can avail this discount once per month.
– On monthly bookings above ₹50,000 , your discount% will fall below 20%.

Additional 0.50% benefit on all EaseMyTrip spends :
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)
10.50% discount on domestic & international flight bookings – on EaseMyTrip website/app10% discount on domestic flight bookings on EaseMyTrip – upto ₹1,000 per month
– You get a 10% discount on domestic flight bookings on EaseMyTrip , on a maximum booking amount of ₹10,000 (since the maximum discount is ₹1,000).
– You can avail this discount once per month.
– On monthly bookings above ₹10,000 , your discount% will fall below 10%.

10% discount on international flight bookings on EaseMyTrip – upto ₹5,000 per month
– You get 10% discount on buying international flight tickets on EaseMyTrip , on a maximum booking amount of ₹50,000 (since the maximum discount is ₹5,000).
– You can avail this discount once per month.
– On monthly bookings above ₹50,000 , your discount% will fall below 10%.

Additional 0.50% benefit on all EaseMyTrip spends :
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)
Upto 25.50% discount on bus ticket bookings – on EaseMyTrip website/app.25% discount on bus ticket bookings on EaseMyTrip – upto ₹125 per month
– You get ₹125 off on bus ticket bookings , on a minimum ticket booking of ₹500.
– You can avail this discount once per month.
– On monthly bookings above ₹500 , your discount% will fall below 25%.

Additional 0.50% benefit on all EaseMyTrip spends :
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)
2.50% benefit on hotel and airline websites/apps/outlets spendsYou earn 10 rewards points worth ₹2.50, on every ₹100 you spend at standalone hotel and airline websites/apps/outlets.
0.50% basic benefit on all other spendsYou earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.

– No reward points are given on returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions.
₹350 annual feeAnnual Fee Offers –
Renewal fee offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.
Complimentary airport lounge access in India – once per calendar quarterYou enjoy 1 free domestic airport lounge visit , per calendar quarter.
Complimentary airport lounge access outside India – upto 2 times per year– You get free Priority Pass membership worth USD 99
– You also enjoy 2 free visits to international lounges , per year

Pros and 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
  • Not suitable for those travellers who prefer to travel by train, and also heavy bus travellers

Comparison With Other Credit Cards

Features Yatra SBI Credit Card
Cashback Rates 0.25% – 1.5%

Other benefits Fuel Surcharge Waiver
Annual Fee ₹499 + Taxes

Annual Fee Offers Annual Fee Reversal on meeting ₹1,00,000 spends
Minimum Income Not Specified

Full Review of the Standard Chartered EaseMyTrip Credit Card

Standard Chartered Bank EaseMyTrip Credit Card

Features & Benefits of the Standard Chartered EaseMyTrip Credit Card

20.50% discount on domestic hotel bookings on EaseMyTrip – upto ₹5,000 per month

Earning rewards :
– You get 20% discount on domestic hotel bookings on EaseMyTrip, on a maximum booking amount of ₹25,000 (since the maximum discount is ₹5000).
– You can avail this discount once per month, by using the promo code “EMTSCB”.
– On monthly bookings above ₹25,000 , you will only get the maximum discount of ₹5000, hence your discount% will fall below 20%.
– You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on all EaseMyTrip spends i.e. 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

Upto 20.50% discount on international hotel bookings on EaseMyTrip

Earning rewards :
– You get 20% discount on domestic hotel bookings on EaseMyTrip, on a maximum booking amount of ₹50,000 (since the maximum discount is ₹10,000).
– You can avail this discount once per month, by using the promo code “EMTSCB”.
– On monthly bookings above ₹50,000, you will only get the maximum discount of ₹10,000, so the discount is less than 20%.
– You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on ALL EaseMyTrip spends i.e. 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

Upto 10.50% discount on international flight bookings on EaseMyTrip

Earning rewards :
– You get 10% discount on booking an international flight on EaseMyTrip, on a maximum booking amount of ₹50,000 (since the maximum discount is ₹5,000).
– You can avail this discount once per month, by using the promo code “EMTSCB”.
– On monthly bookings above ₹50,000, you will only get the maximum discount of ₹5,000, so the discount falls below 10%.
– You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on ALL EaseMyTrip spends i.e. additional 0.50% benefit.

Upto 10.50% discount on domestic flight bookings on EaseMyTrip

Earning rewards :
– You get 10% discount on booking airline tickets for international travel on EaseMyTrip, on a maximum booking amount of ₹10,000 (since the maximum discount is ₹1,000).
– You can avail this discount once per month, by using the promo code “EMTSCB”.
– On monthly bookings above ₹10,000, you will only get the maximum discount of ₹1,000, so the discount falls below 10%.
– You also get additional unlimited 2 reward points worth ₹0.50, on every ₹100 you spend on ALL EaseMyTrip spends i.e. additional 0.50% benefit.

Upto 25.50% discount on domestic bus bookings on EaseMyTrip

Earning rewards :
– You get ₹125 off 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 i.e. 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

Earning reward points :
– You earn 10 reward points worth ₹2.50, on every ₹100 spent at the standalone hotel and airline websites/apps/outlets (since 1 Reward Point = ₹0.25).
– This is not applicable at travel aggregators like MakeMyTrip, Cleartrip etc.
– For example, if you book Indigo tickets on the Indigo website, you will earn reward points, but if you book Indigo Airline tickets on ClearTrip website, you shall not earn any reward points.

Redeeming reward points :
– You can redeem reward points on the Standard Chartered bank’s rewards portal called R360, for products, vouchers, or services.
– 1 reward point = ₹0.25.
– Partial payment with your Standard Chartered Credit Card is possible, if you don’t have enough reward points.

Other important points :
– There is a redemption fee of ₹99, for each redemption.
– The reward points expire after 2 years, from the date of earning.

0.50% basic benefit on all other spends

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

Redeeming reward points & other important points : As described in the above section.

Complimentary lounge access at airports in India – 1 free visit per calendar quarter

Complimentary lounge access at airports outside India – 2 free visits per year

– You get free Priority Pass membership worth USD 99.
– Priority Pass is one of the leading airport lounge programs globally, and has a vast number of lounges all over the world.
– You also enjoy 2 complimentary international lounge visits per year, through the Priority Pass program.

Standard Chartered EaseMyTrip Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual 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 spend target , 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 & Tracking Application Status

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.

Other Benefits for Cardholders

Kuch Bhi on EMI“Kuch Bhi on EMI” program converts purchases into EMIs for Standard Chartered credit cardholders.
You get attractive interest rates
Conversion options : Standard Chartered mobile app, online banking, or customer service helpline.
Flexible repayment tenure : 3 to 48 months.
Competitive processing fees & instant approval for conversion requests.
Dial-A-LoanLoan 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
24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions :
In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions :
When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to your card details AND mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions :
For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misuse of your card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

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.

Apply Now

on Standard Chartered Bank website

Frequently Asked Questions

Can I use the Standard Chartered EaseMyTrip Credit Card for purchases other than flight and hotel bookings?

Yes, you can use the card for all your spending needs and earn rewards. However, the card offers special discounts on EaseMyTrip travel bookings, and accelerated reward points on spends at standalone hotel and airline websites/apps/outlets.

Are there any annual fees associated with the Standard Chartered EaseMyTrip Credit Card?

The Standard Chartered EaseMyTrip Credit Card comes with a joining fee and an annual fee of 350. However, the card offers benefits and rewards that can offset these fees, especially for frequent travellers. Annual fee from second year onwards is also waived off if you spend ₹50,000 or more (Non-EMI spends) in the previous year.

Can I use my Standard Chartered EaseMyTrip Credit Card for non-travel-related purchases?

Yes, the Standard Chartered EaseMyTrip Credit Card can be used for all retail transactions, not just travel-related expenses. You earn rewards on all eligible purchases, including dining, shopping, and more.

How long does it take for the reward points to reflect in my account?

Reward points earned on transactions done using Standard Chartered EaseMyTrip credit card prior to the statement generation date will reflect on the same month’s statement and also on R360 portal. For rewards earned on transactions after the statement generation date, will reflect in the next credit card statement. It’s always a good idea to regularly check your rewards balance through the card’s online portal or mobile app for real-time updates.

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