Standard Chartered EaseMyTrip
DowngradeA ₹350 EaseMyTrip discount coupon with two lounge visits stapled on — the '10X' skips EaseMyTrip itself.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None published — the EaseMyTrip booking discounts stand in for a sign-up bonus
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹5,000 a month
At ₹5,000 a month — ₹60,000 a year — on the everyday mix this card returns ₹300 gross (earn ₹300) against a fee of ₹0 — the ₹350 is waived, the spend having cleared ₹50,000 a year = ₹300 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
The joke writes itself: a co-branded EaseMyTrip card whose 10X reward rate explicitly excludes EaseMyTrip. Book on a standalone airline or hotel site — not an aggregator — and you earn 10 points per ₹100 (2.5%); book anywhere else, including the EaseMyTrip app the card is named after, and it is the base 2 points, worth 0.5%. At ₹350 a year (waived at ₹50,000) with two domestic lounge visits and steep-looking EaseMyTrip booking discounts, it is cheap enough to be harmless, and the discounts are the real reason to carry it. But the points are Standard Chartered R360 currency at ₹0.25 with a ₹99 redemption fee and a two-year fuse, the forex markup is a full 3.5%, and there is no international lounge. Hold it as an EaseMyTrip coupon if you book there often; do not mistake it for a rewards card.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹350/yr at stake · 5 spend bands
The charge ₹350/yr
The waiver ₹50,000 of spend in the year before renewal — about ₹4,167 a month — and the renewal fee is not charged.
Break-even ₹5,000 a month — ₹60,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,400 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹2,800 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹5,600 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹16,900 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹28,200 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 15 Oct 2024 EaseMyTrip card loses Priority Pass, domestic visits halved
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹350 fee, waived at ₹50,000 spend
- Up to 20% off EaseMyTrip hotels and 10% off flights (capped) — the actual value
- 2 complimentary domestic lounge visits a year
- 10X (2.5%) on direct standalone airline/hotel bookings
Watch out
- The 10X skips aggregators — including EaseMyTrip itself, which earns just 0.5%
- R360 points are ₹0.25 with a ₹99 redemption fee and a 2-year expiry; no transfer partners
- 3.5% forex markup and no international lounge
- 0.5% on everyday spend — a coupon, not an earner
- SC is transferring its India card book to Federal Bank after 31 Jul 2026 — continued use counts as consent, declining still moves the account (SC benefits then cease), and SC has published no card-level list and no word on post-migration terms
What these points actually fly
No live transfer route takes Standard Chartered Rewards (EaseMyTrip) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 2 pay zero
Base 2 RP/₹100 (0.5%) on retail. The 10X (10 RP/₹100, 2.5%) applies ONLY to direct bookings on standalone airline/hotel sites — aggregators, INCLUDING EaseMyTrip itself, earn only the base 2. SC publishes no full MCC exclusion table for this card; category treatments below are modelled on SC standard practice and flagged.
- Fuel · excluded Zero RP; 1% fuel surcharge but no waiver on this card (CardInsider) — community, flag
- Wallet loads · excluded Wallet loads excluded — SC standard, community, flag
per Standard Chartered T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹50,000 a year is the bar that waives the ₹350 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Standard Chartered states what the Standard Chartered EaseMyTrip earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
55 of 793 tracked doors
Opens 55 of 793 tracked lounge doors across 39 airports — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹350 + GST joining and annual, renewal reversed at ₹50k prior-year spend. 2 RP/₹100 base (0.5%); 10 RP/₹100 (2.5%) ONLY on direct airline/hotel bookings on standalone sites — aggregators, including EaseMyTrip itself, earn the base 2. Points redeem via R360 at ₹0.25, expire 2 years, no transfer partners. 2 domestic lounge visits/calendar year (w.e.f. 15-Oct-2024); no international lounge. EaseMyTrip discounts: up to 20% off hotels (₹5k dom/₹10k intl cap), 10% off flights (₹1k dom/₹5k intl cap). APR/late-fee from SC standard schedule; SC publishes no income cutoff.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Official FAQ (₹350 + GST year 1 and renewal, "reversed for clients with spends greater than or equal to Rs 50,000 in the previous year"; 2 RP/₹100 base + 10X on standalone)
- official Tariffs & charges (3.5% forex markup, ₹350 fee year 1 and onwards, ₹99 redemption handling fee)
- official Federal Bank migration FAQ — the card relationship (credit limit, reward points, outstanding) transfers after 31 Jul 2026; consent via I Agree / SMS ACCEPT / continued use
- community CardInsider — EMTSCB discount caps, 10X excludes aggregators/EaseMyTrip itself
- official Standard Chartered domestic lounge programme — three Visa tables: 83 rooms on Beyond, 59 on other SC credit cards, 83 on the debit cards. EaseMyTrip takes the 59-row restricted table