Standard Chartered EaseMyTrip Credit Card Review
Author And Publisher: Gyro 3.oStandard Chartered EaseMyTrip Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Standard Chartered EaseMyTrip Credit Card Review:
Up to 20% Travel Discounts, 10X Rewards, and Domestic Lounge Access
introduction
The Standard Chartered EaseMyTrip Credit Card suits frequent budget and mid-range travelers who book flights, hotels, and buses on EaseMyTrip. Its ₹350 annual fee waives at ₹50,000 spend, offering up to 20% hotel discounts, 10% on flights, and 10X rewards on standalone travel bookings. Pay in full monthly to avoid 45% p.a. interest that erases all benefits—discipline ensures its travel perks deliver real value.
key features and benefits
Reward Structure
- 10x rewards on every ₹100 spent for booking tickets at standalone hotel and airline websites/apps/outlets.
- 2x reward points for every ₹100 spent on all other category of retail spends.
easeMyTrip special Discounts
- Flat 20% instant discount on domestic & international hotel bookings(Max discount of Rs 5000 and Rs 10000 respectively).
- Flat 10% off on domestic & international flight bookings(Max discount of Rs 1000 and Rs 5000 respectively).
- ₹125 off on bus ticket bookings(On minimum ticket booking of Rs 500).
Airport Lounge Access
Enjoy 2 complimentary domestic lounge access per calendar year.
Additional Perks
Extend the credit card benefits to up to 2 family members. Spread the joy with them!
Use contactless credit card & enjoy complete freedom cash transaction with faster checkouts & secure payments.
Enjoy enhanced security for online transactions on your credit card through 3D secure OTP Verification.
Avail wide range of instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS) & Samsung Secure Pay.
With Kuch bhi on EMI option, convert your big spends above ₹ 2,000 to easy EMI through online banking or SC Mobile. Get attractive pricing & flexible tenure options.
Get loan up to ₹ 5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Transfer card balance from other bank credit cards up to ₹ 5,00,000 at attractive interest rate.
card essentials
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Welcome Benefits:- ----
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Joining Fee :- ₹350 + GST
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Annual Fee:- ₹350 + GST
Reward Structure:- Rewards on SPENDS
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Renewal Benefit:- Spend ₹50k annually to waive the renewal fee.
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Interest Rate:- 3.75% pm (45% p.a.)
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Forex Mark-up:- 3.5% + TAXS
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Cash Advance Charges:- 3% of withdrawal amount, minimum of ₹300
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Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹500
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Wallet Transactions Charges:- ----
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Rental Transactions Charges :- 1% + GST
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Utility Transactions Charges:- ----
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Education Fee Payment Charges:- ----
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Railway Ticket Purchase Fee:- 2.5% or ₹25
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Fuel Surcharge Waiver:- 1% or ₹10
Rewards and Benefits Analysis
The Standard Chartered EaseMyTrip Credit Card suits travelers who regularly book flights and hotels via EaseMyTrip and airline/hotel websites, using partner discounts plus 10X rewards to offset its low fee. With disciplined use across quarterly trips and full bill payments, users can realistically save several thousand rupees a year through combined discounts, rewards, lounge access, and fuel surcharge waivers, while avoiding interest and debt traps.
Practical Considerations
Fees & Charges Summary
- annual fee: ₹350 + GST.
- Joining fee: ₹350 + GST.
- forex: 3.5% + taxes.
- interest: 3.75% per month (45% p.a).
Applicant's age should be between 18 and 65 years; minimum age for add-on cardholder is 18 years.
Applicants should have a stable monthly income.
Applicants should belong to the bank's credit card sourcing cities/locations.
All applications are subject to the bank's credit and other policy checks.
Identity proof: Any one photo ID (Passport, Voter ID, Govt ID, etc.); PAN Card required.
Address proof: Any one with current address (Aadhaar, Passport, Driving License, Voter ID.
1 recent passport-sized photograph.
Salaried: Latest one-month salary slip.
Self-employed businessmen: Latest IT returns with income computation/certified financials.
Self-employed professionals: Latest IT returns; business continuity proof.
Redemption Options
Platform: Via SC's 360° Rewards website or mobile app; also direct statement credit request.
Redemption Options:
Direct statement credit (bill adjustment)
E-gift vouchers from 500+ partner brands
Travel packages and deals
Merchandise and lifestyle products
Conversion Ratio: 1 Reward Point = ₹0.25 (fixed across all redemption categories).
Accumulate 5,000+ Points: Batch redemptions to cut ₹99/5,000 fee to ₹0.02/point.
Prioritize Travel Packages: Higher value than statement credit.
Statement Credit Backup: Immediate value if no catalog options.
No Expiry Pressure: Accumulate strategically; points never expire.
Ideal User Profile
Frequent EaseMyTrip users with 4+ bookings and ₹50K+ annual travel spend.
Independent bookers using direct airline/hotel sites for 10X rewards.
Domestic travelers taking quarterly trips and using 2 lounge visits.
Budget-conscious travelers chasing savings over luxury perks.
Final Thoughts
Strengths
Substantial travel discounts with 20% hotels and 10% flights for immediate savings.
Accelerated standalone rewards with 10X on direct airline and hotel bookings around 2.5% return.
Very low annual fee of ₹350, easily waived at ₹50,000 annual spend.
Complimentary lounge access with 2 domestic visits per year.
Co-brand integration where EaseMyTrip discounts apply seamlessly via EMTSCB.
Fuel surcharge waiver of 1% giving practical benefit to regular drivers.
No points expiry enabling long-term, strategic accumulation.
Limitations
Monthly discount caps with each category usable only once per month.
Standalone booking dependency with 10X rewards only on direct airline and hotel sites, not aggregators.
Limited lounge access restricted to 2 domestic visits and no international lounges.
Uncompetitive forex markup of 3.5% reducing international value.
No premium perks such as golf, concierge, or high-end dining benefits.
CDMS EXPERT ADVICE
Travel cards like the Standard Chartered EaseMyTrip work only when trips are planned and dues are cleared in full each month, otherwise 45% p.a. interest wipes out savings. Use this card for focused travel spends and avoid rolling over balances. For help managing multiple cards, overdue bills, or restructuring travel‑driven credit stress, explore tailored repayment support with cashon.cards.
This review offers a clear and balanced overview of The Standard Chartered EaseMyTrip Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
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