Standard Chartered EaseMyTrip
DowngradeA ₹350 EaseMyTrip discount coupon with two lounge visits stapled on — the '10X' skips EaseMyTrip itself.
What it's worth to you — net annual value
Welcome: None published — the EaseMyTrip booking discounts stand in for a sign-up bonus
How these numbers are computed →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
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.
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
What earns, what doesn't
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 →
Lounge access
Opens 72 of 644 tracked lounge doors across 40 airports — see the full map →
Can you get it?
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 ranking by what you can get →
The fine print
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
Full tracker →Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to.
- 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 posting3.5% markup softened by a separately-posted 1.5% cashback — until 1 June 2024, when SC killed the cashback and left the full 3.5% → Flat 2% markup (2.36% with GST) charged at transaction posting
A rare devaluation that reversed itself into an upgrade. Standard Chartered scrapped the Ultimate's 1.5% forex cashback in June 2024, briefly leaving cardholders paying the full 3.5% — then re-priced the card at a flat 2% markup charged upfront from 25 August. Net-net you land where the old cashback dance left you, minus the waiting and the reconciliation maths. At 2.36% all-in, the Ultimate undercuts the 3.5% default most premium cards still charge.
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%5 RP/₹150 (3.33%) on utilities, supermarkets, insurance, rent, schools and government; fuel earned points → 3 RP/₹150 (2%) on those six categories; fuel earns nothing (1% surcharge waiver, capped ₹1,000/month); 1% processing fee on rent
The first crack in India's best flat-rate card. From 2 April 2023, six everyday categories — utilities, supermarkets, insurance, rent, schools, government — dropped from the Ultimate's signature 3.33% to 2%, fuel stopped earning altogether, and rent payments picked up a 1% fee for the privilege. The headline rate on general spend survived untouched, but the lesson landed: Standard Chartered will trim this card when it suits them.
Go deeper
Sources
Every fact on this page is checked against these documents — the issuer's own paperwork first. Spot something stale? The PDF wins, and we re-verify.
- official Official FAQ (₹350 fee waived ₹50k, 2 RP/₹100 base + 10X on standalone bookings, 2 domestic visits/yr, PP dropped 15-Oct-2024, ₹99 redemption fee, ₹0.25/pt) checked 13 Jul 2026
- official Tariffs & charges (3.5% forex markup) checked 12 Jul 2026
- community CardInsider — EMTSCB discount caps, 10X excludes aggregators/EaseMyTrip itself checked 12 Jul 2026
Spot an error? Report it →