Standard Chartered EaseMyTrip Credit Card review
Standard Chartered Bank · Visa · points Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹350
- Joining fee
- ₹350
- Fee waiver
- ₹50,000 a year
- Base return
- 0.5% base
- Point value
- ₹0.25 per point
- Domestic lounge
- 2 complimentary domestic lounge visits per calendar year (from 15 Oct 2024); international lounge access discontinued
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹888 | 0.5% |
| Metro salaried ₹60k a month | ₹4,080 | 0.6% |
| Family household ₹80k a month | ₹5,184 | 0.5% |
| Frequent flyer ₹1.5L a month | ₹12,840 | 0.7% |
| Online shopper ₹50k a month | ₹3,000 | 0.5% |
| Rent-heavy ₹90k a month | ₹1,152 | 0.1% |
Fee maths: The ₹350 annual fee is waived at ₹50,000 a year of eligible spend, about ₹4,200 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹888 (first card, light spender) to ₹12,840 (frequent flyer), equal to 0.1% to 0.7% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: A low-fee travel card whose headline rate has a catch: 10 points per ₹100 apply only on standalone airline and hotel websites, apps and outlets, not on travel aggregators and not on EaseMyTrip itself, where the rate is 2. Everything else earns 2 points per ₹100, and at ₹0.25 a point that is 2.5% on the standalone airline and hotel spends and 0.5% elsewhere. The ₹350 fee is reversed at ₹50,000 of spend in the previous year, and the card includes two domestic lounge visits a calendar year. Rent carries a 1% fee, and the ₹99 redemption fee applies.
From the card's terms: limits
- Base return is only about 0.5% on other spends
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Flights & hotels | 10 | ₹2.5 | No cap found | 10 points per ₹100 only on standalone airline/hotel websites, apps and outlets (Visa MCC), not aggregators and NOT on EaseMyTrip itself (2 points there). No cap (official T&C 7e). |
| Everything else, Amazon, Flipkart, Other online shopping, Groceries, Entertainment & OTT, Dining & food delivery, Bills & utilities, Fuel, Rent, International (foreign currency) | 2 | ₹0.5 | No cap found | 2 points per ₹100 on all other retail spend. Official T&C 7c and FAQ list only these exceptions: standalone airline/hotel spends (10x), returned purchases, disputed/unauthorised transactions, finance charges, card fees, cash withdrawals, chargebacks. Fuel, utilities, rent and EMI transactions are NOT excluded officially (FAQ: EMI earns points). |
Point value: 1 reward point = ₹0.25 (official value chart); redeemable via 360 Rewards catalogue; points expire after 2 years.
Excluded or reduced
- Cash withdrawals, finance charges, card fees, returned, disputed/unauthorised and charged-back transactions earn nothing
- Bookings on EaseMyTrip earn only 2 points
- Rent payments (MCC 6513) attract a 1% + taxes processing fee (SC FAQ); redemption fee ₹99
Other benefits
- Flat 10% off domestic flights (max ₹1,000) and international flights (max ₹5,000) on EaseMyTrip with code EMTSCB, once a month per category
- Flat 20% off domestic hotels (max ₹5,000) and international hotels (max ₹10,000), once a month
- ₹125 off bus tickets of ₹500+
- Forex markup 3.5% on all overseas transactions (official MITC); rent payments 1% processing fee + taxes; ₹99 reward handling charge
Eligibility
Age 18-65, stable monthly income (amount not stated), card-sourcing cities only (official). not confirmed in an issuer document: check the application page
Where it ranks
Compare
Related guides
- How to read a credit card MITC
- How annual fee waivers work
- Fuel surcharge waivers explained
- Airport lounge access on credit cards
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the Standard Chartered EaseMyTrip Credit Card?
₹350 a year, waived at ₹50,000 annual spend. Fees exclude 18% GST.
How do Standard Chartered EaseMyTrip Credit Card rewards work?
0.5% base, 2.5% at partners, capped. 1 reward point = ₹0.25 (official value chart); redeemable via 360 Rewards catalogue; points expire after 2 years.
Does the Standard Chartered EaseMyTrip Credit Card give airport lounge access?
Domestic: 2 complimentary domestic lounge visits per calendar year (from 15 Oct 2024); international lounge access discontinued. International: None found.
Who is the Standard Chartered EaseMyTrip Credit Card best suited to?
A low-fee travel card whose headline rate has a catch: 10 points per ₹100 apply only on standalone airline and hotel websites, apps and outlets, not on travel aggregators and not on EaseMyTrip itself, where the rate is 2. Everything else earns 2 points per ₹100, and at ₹0.25 a point that is 2.5% on the standalone airline and hotel spends and 0.5% elsewhere. The ₹350 fee is reversed at ₹50,000 of spend in the previous year, and the card includes two domestic lounge visits a calendar year. Rent carries a 1% fee, and the ₹99 redemption fee applies. The ₹350 annual fee is waived at ₹50,000 a year of eligible spend, about ₹4,200 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹888 (first card, light spender) to ₹12,840 (frequent flyer), equal to 0.1% to 0.7% of spend across the profiles.
Sources
- Standard Chartered EaseMyTrip Credit Card official page official fetched 2026-10-30
- SC EaseMyTrip product terms and conditions (official PDF) official fetched 2026-10-30
- SC EaseMyTrip FAQs (official) official fetched 2026-10-30
- CardAdvisor SC EaseMyTrip aggregator fetched 2026-10-29
- SC EaseMyTrip Most Important Terms and Conditions (official PDF) official fetched 2026-10-30
- SC credit card tariffs and charges (official) official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with Standard Chartered Bank before you apply. Methodology.
