Standard Chartered EaseMyTrip vs Standard Chartered Ultimate (2026)
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.
Head to head
| Metric | Standard Chartered EaseMyTrip | Standard Chartered Ultimate |
|---|---|---|
| Our rank | #55 | #15 |
| Annual fee | ₹350 + GST | ₹5,000 + GST |
| Fee waiver | ₹50,000 spend | None |
| Forex markup | 3.5% + GST | 2% + GST (Ultimate-specific; 3.5% on other SC cards) |
| APR | 3.75%/mo (45%/yr) — SC standard tier | 3.75%/mo (45%/yr APR), same rate on cash advances |
| Effective reward rate | 0.5% | 3.3% |
| Currency | Standard Chartered Rewards (EaseMyTrip) | StanC 360° Reward Points |
| House value | ₹0.25/pt | ₹1.00/pt |
| Welcome benefit | None published — the EaseMyTrip booking discounts stand in for a sign-up bonus | 6,000 reward points (₹6,000) on fee payment |
| Lounge doors opened | 72 of 644 | 583 of 644 |
| Income — salaried | not published | ~₹2L+/month (community) |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. 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.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
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 583 of 644 tracked doors to Standard Chartered EaseMyTrip's 72.
Our standing verdicts: Standard Chartered EaseMyTrip — Downgrade; Standard Chartered Ultimate — Keep. On our board, Standard Chartered Ultimate sits at #15 to Standard Chartered EaseMyTrip's #55 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →