Standard Chartered EaseMyTrip vs Standard Chartered Ultimate (2026)
Standard Chartered Ultimate vs Standard Chartered EaseMyTrip: which wins?
₹1,14,880ranking value a year at ₹3L a month, to Standard Chartered Ultimate
Skip the duel — the board, ranked → · nothing to sign up for
Standard Chartered's cheapest and its best: a ₹350 EaseMyTrip coupon whose 10X skips EaseMyTrip, vs ₹5,000 of flat 3.33% at a fixed ₹1 a point.
Standard Chartered Ultimate out-earns Standard Chartered EaseMyTrip at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 11 compared
Head to head
| Standard Chartered EaseMyTrip | Metric | Standard Chartered Ultimate |
|---|---|---|
| #137 | Our rank | #17 — wins this row |
| ₹350/yr — wins this row | Fee — joining · annual (+ GST) | ₹5,000/yr |
| ₹50,000 spend | Fee waiver | None |
| 3.5% + GST | Forex markup | 2% + GST (Ultimate-specific; 3.5% on other SC cards) — wins this row |
| 3.75%/mo (45%/yr) — SC standard tier | APR | 3.75%/mo (45%/yr APR), same rate on cash advances |
| 0.5% | Headline earn rate | 3.3% — wins this row |
| Standard Chartered Rewards (EaseMyTrip) | Currency | StanC 360° Reward Points |
| ₹0.25/pt | House value | ₹1.00/pt |
| None published — the EaseMyTrip booking discounts stand in for a sign-up bonus | Welcome benefit | 6,000 reward points (₹6,000) on fee payment |
| 55 of 793 | Lounge doors opened | 689 of 793 — wins this row |
| not published | Income — salaried | ~₹2L+/month (community) |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Standard Chartered Ultimate out-earns Standard Chartered EaseMyTrip at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Standard Chartered Ultimate leads at all 20 steps, but not by the same amount: ₹3,010 at ₹0.25L a month, ₹1,55,200 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,55,200).
Standard Chartered EaseMyTrip runs a 2.5% booster on Direct airline/hotel (standalone sites), where Standard Chartered Ultimate earns one flat rate.
Standard Chartered EaseMyTrip draws above the line, Standard Chartered Ultimate below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Standard Chartered EaseMyTrip | Standard Chartered Ultimate | In front |
|---|---|---|---|
| ₹0.25L | ₹1,980 | ₹4,990 | Standard Chartered Ultimate by ₹3,010 |
| ₹0.5L | ₹3,960 | ₹14,980 | Standard Chartered Ultimate by ₹11,020 |
| ₹0.75L | ₹5,940 | ₹24,970 | Standard Chartered Ultimate by ₹19,030 |
| ₹1L | ₹7,920 | ₹34,960 | Standard Chartered Ultimate by ₹27,040 |
| ₹1.25L | ₹9,900 | ₹44,950 | Standard Chartered Ultimate by ₹35,050 |
| ₹1.5L | ₹11,880 | ₹54,940 | Standard Chartered Ultimate by ₹43,060 |
| ₹1.75L | ₹13,860 | ₹64,930 | Standard Chartered Ultimate by ₹51,070 |
| ₹2L | ₹15,840 | ₹74,920 | Standard Chartered Ultimate by ₹59,080 |
| ₹2.25L | ₹17,820 | ₹84,910 | Standard Chartered Ultimate by ₹67,090 |
| ₹2.5L | ₹19,800 | ₹94,900 | Standard Chartered Ultimate by ₹75,100 |
| ₹2.75L | ₹21,780 | ₹1,04,890 | Standard Chartered Ultimate by ₹83,110 |
| ₹3L | ₹23,760 | ₹1,14,880 | Standard Chartered Ultimate by ₹91,120 |
| ₹3.25L | ₹25,740 | ₹1,24,870 | Standard Chartered Ultimate by ₹99,130 |
| ₹3.5L | ₹27,720 | ₹1,34,860 | Standard Chartered Ultimate by ₹1,07,140 |
| ₹3.75L | ₹29,700 | ₹1,44,850 | Standard Chartered Ultimate by ₹1,15,150 |
| ₹4L | ₹31,680 | ₹1,54,840 | Standard Chartered Ultimate by ₹1,23,160 |
| ₹4.25L | ₹33,660 | ₹1,64,830 | Standard Chartered Ultimate by ₹1,31,170 |
| ₹4.5L | ₹35,640 | ₹1,74,820 | Standard Chartered Ultimate by ₹1,39,180 |
| ₹4.75L | ₹37,620 | ₹1,84,810 | Standard Chartered Ultimate by ₹1,47,190 |
| ₹5L | ₹39,600 | ₹1,94,800 | Standard Chartered Ultimate by ₹1,55,200 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Standard Chartered EaseMyTrip · 2 more →
- 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
Standard Chartered Ultimate · 2 more →
- No transfer partners — the ceiling is exactly ₹1/point
- Utilities, supermarkets, insurance, rent, govt cut to 2% since Apr 2023
- ₹99 + GST per redemption; points lapse about 3 years after you earn them, in quarterly batches
The call
For the ₹1L/month spender, Standard Chartered Ultimate nets ₹34,960 against ₹7,920 — a ₹27,040 gap. At ₹5L/month, Standard Chartered Ultimate nets ₹1,94,800 against ₹39,600 — a ₹1,55,200 gap. Lounge chasers: Standard Chartered Ultimate opens 689 of 793 tracked doors to Standard Chartered EaseMyTrip's 55.
Our standing verdicts: Standard Chartered EaseMyTrip — Downgrade; Standard Chartered Ultimate — Keep. Standard Chartered Ultimate takes 7 of the 8 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Standard Chartered EaseMyTrip or Standard Chartered Ultimate?
Standard Chartered Ultimate. Standard Chartered Ultimate takes 7 of the 8 rounds we can score. Standard Chartered Ultimate out-earns Standard Chartered EaseMyTrip at every spend level we model, from ₹25k to ₹5L a month.
Standard Chartered EaseMyTrip or Standard Chartered Ultimate — which earns more at ₹3L a month?
At ₹3L a month, Standard Chartered Ultimate nets ₹1,14,880 against ₹23,760 — a ₹91,120 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Standard Chartered EaseMyTrip or Standard Chartered Ultimate?
Standard Chartered EaseMyTrip — ₹350/yr against ₹5,000/yr. Standard Chartered EaseMyTrip waives its fee at ₹50,000 of spend; Standard Chartered Ultimate at no spend level — there is no waiver.
Which gets you into more airport lounges, Standard Chartered EaseMyTrip or Standard Chartered Ultimate?
Lounge chasers: Standard Chartered Ultimate opens 689 of 793 tracked doors to Standard Chartered EaseMyTrip's 55. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Standard Chartered EaseMyTrip on 2026-07-26, Standard Chartered Ultimate on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Standard Chartered and Standard Chartered's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 9 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
- official Product page (₹5,000 joining and ₹5,000 renewal fee, 6,000-pt welcome on fee payment, 5 RP/₹150 = ₹1/pt, 4/quarter domestic + 1 PP/month int'l on ₹20k prior-month spend)
- official Revision FAQ — the Apr-2023 cuts only: from 2 Apr 2023 utilities, supermarkets, insurance, property management/rent, schools and government earn 3 RP/₹150 (was 5)
- official Rewards-points expiry FAQ — points lapse roughly three years after they are earned and are written off in quarterly batches; exact dates only in the rewards portal
- community CardInsider — Visa Infinite variant discontinued