Standard Chartered EaseMyTrip Credit Card v/s AU Small Finance Bank ixigo Credit Card

In today’s blog, we’ll explore two unique credit cards and their strategic collaborations between top banks and lifestyle platforms—Standard Chartered EaseMyTrip Credit Card v/s AU Small Finance Bank ixigo Credit Card

The Standard Chartered EaseMyTrip Credit Card is a travel-focused, co-branded offering launched by Standard Chartered Bank in collaboration with EaseMyTrip, a popular travel booking platform.

The Standard Chartered EaseMyTrip Credit Card is built for people who love to travel but also like to keep things budget-friendly. It’s the kind of card that quietly makes every trip a little smoother, right from booking your flights or hotels to enjoying extra perks along the way. Partnering with EaseMyTrip, one of India’s popular travel booking platforms, the card focuses on giving you real value through instant discounts, reward points, and exclusive travel offers that you’ll actually use.

The AU Small Finance Bank ixigo Credit Card is a premium, travel-focused card launched in collaboration between AU Small Finance Bank and ixigo, one of India’s leading online travel platforms.

From booking flights and trains to reserving hotels, the card ensures you get extra value at every step. You earn rewards and cashback on your travel spends, along with exclusive ixigo discounts that regular customers don’t get. It’s like having a travel companion that quietly saves you money in the background while you focus on your itinerary.

So, while Standard Chartered EaseMyTrip Credit Card is ideal for basic travel savings on EaseMyTrip, the AU ixigo card is better for frequent and diverse travelers looking for more lounge access, international benefits, and wider travel perks.

So, here we are differentiating these two different cards on the basis of their welcome and reward benefits, pros and cons, the eligibility to register for the card, and finally, their conclusion.

What Are The Welcome Benefits Of Standard Chartered EaseMyTrip Credit Card And AU Small Finance Bank Ixigo Credit Card?

These Are The Welcome Benefits Of Standard Chartered EaseMyTrip Credit Card:-

• No direct welcome gift like cashback or vouchers.

• However, you get instant access to travel discounts:

  • 10% off on flights (EaseMyTrip)

  • 20% off on hotels (EaseMyTrip)

These Are The Welcome Benefits Of AU Small Finance Bank Ixigo Credit Card:-

Offers a clear welcome package:

• INR 1,000 ixigo money (credited on the first transaction)

• 1,000 reward points (worth INR 250 approx.)

• If you want immediate discounts on travel bookings without any transaction conditions, the Standard Chartered EaseMyTrip card delivers it to users.

• If you prefer a welcome reward in cash-equivalent value, the AU ixigo card is better with its INR 1,250 total value (INR 1,000 ixigo + 1,000 points).

What Is The Cashback Rate Of Standard Chartered EaseMyTrip Credit Card And AU Small Finance Bank Ixigo Credit Card?

Here Is The Cashback Rate Of Standard Chartered EaseMyTrip Credit Card:-

• Users will get a 20% flat discount on domestic & international hotel bookings(Capped at INR 5000 and Rs 10000 respectively). 

• 10% flat off on domestic & international flight bookings (capped at INR 1000 and INR 5000 respectively). 

• 10 reward points on every INR 100 spent on booking standalone hotel and airline websites/apps/outlets. Value of 1 reward point = INR 0.25. Travel cashback rate = 2.5%. 

• 2 reward points on all other spends. General cashback rate: 0.5%.

Here Is The Cashback Rate Of AU Small Finance Bank Ixigo Credit Card:-

• 1 RP = 0.25.

• Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo effective cashback rate: 2.5%. 

• Users will earn 10 reward points for every ₹200 spent on online purchases. The effective cashback rate: 1.25%. 

• Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%. 

• Choose SC EaseMyTrip if you book only via EaseMyTrip and want simple 10X rewards on travel.

• Choose AU ixigo if you want more reward categories (train, online, offline) and better value across different platforms, not just travel.

What Are The Pros Of Having a Standard Chartered EaseMyTrip Credit Card And AU Small Finance Bank Ixigo Credit Card?

These Are The Pros Of Standard Chartered EaseMyTrip Credit Card:-

• High Travel Discounts– Flat 10% off on flight bookings and 20% off on hotel bookings via EaseMyTrip– INR 125 discount on bus bookings (min INR 500)

• Accelerated Reward Points– Earn 10X reward points on airline, hotel, and EaseMyTrip bookings– Good for frequent travelers who book directly

• Low Annual Fee– Just INR 350 per year, which is waived if you spend INR 50,000 annually

• Domestic Lounge Access– Get 2 free domestic airport lounge visits per year

• Suitable for Entry-Level Users – Low joining fee, easy eligibility, and no need for very high income.

These Are The Pros Of AU Small Finance Bank Ixigo Credit Card:-

• Direct Travel Discounts via ixigo

  • 10% off on flights and hotel bookings (capped at INR 1,000 each per month)

  • 10% off on bus bookings (capped at INR 300 per month)

• Accelerated Rewards

  • 20 points per INR 200 on train bookings via ixigo

  • 10 points per INR 200 on online purchases

  • 5 points per INR 200 on offline spends 

• Generous Lounge Access

  • 16 complimentary visits annually to domestic airport and railway lounges

  • 1 complimentary international lounge access (Priority Pass issued upon request) 

• Zero Forex Markup

  • No foreign currency transaction fees, making it ideal for international travelers

What Are The Cons Of Having Standard Chartered EaseMyTrip Credit Card And AU Small Finance Bank Ixigo Credit Card?

These Are The Cons Of Standard Chartered EaseMyTrip Credit Card:-

• No Welcome Benefits

  • Unlike many co-branded travel cards, this card offers no welcome bonus (e.g., vouchers or points) on joining 

• Limited Discounts Usage

  • You can avail of each category’s discount only once per month (flights, hotels, buses), which may restrict frequent travelers

• Fuel Surcharge Applies

  • A 1% surcharge is levied on fuel transactions—no waiver is offered

• High Interest & Forex Fees

  • 3.75% monthly interest (~45% annual) on outstanding balances, and 3.5% forex markup on overseas transactions 

• Loss of Lounge Benefits

  • International lounge access has been discontinued, and domestic access reduced to 2 visits per year from Oct 2024 

These Are The Cons Of AU Small Finance Bank Ixigo Credit Card:-

• Limited Redemption Flexibility - The INR 1,000 “ixigo money” must be used on flight or hotel bookings within 60 days, and if converted to vouchers, its cash value drops significantly.

• Monthly Reward Cap - Earning is capped at 10,000 points per month, limiting rewards for heavy spenders.

• RuPay Acceptance Abroad - The RuPay variant may face acceptance issues in countries where Visa/Mastercard are more widely supported.

• Annual Fee Structure - Unconditional fee of INR 999 (joining) and INR 999 (renewal), waived only after INR 1,000 first-month spend and INR 100,000 annual spend.

Fees And Charges

Scapia Credit Card

• Joining Fees: INR 350

• Annual fees: INR 350

• Cash advance fees: Cash advance fee:2.5% of the amount withdrawn, minimum Rs. 500.

• Late payment charge: Late payment fee:1% of the outstanding balance, minimum Rs. 100.

• Interest rate: 3.75% p.m. (45% p.a.)

AU Small Finance Bank Ixigo Credit Card

• Joining Fees: INR 350

• Annual fees: INR 350

• Cash advance fees: Cash advance fee:2.5% of the amount withdrawn, minimum Rs. 500.

• Late payment charge: Late payment fee:1% of the outstanding balance, minimum Rs. 100.

• Interest rate: 3.75% p.m. (45% p.a.)

Eligibility For Standard Chartered EaseMyTrip Credit Card And AU Small Finance Bank Ixigo Credit Card?

Criteria for Standard Chartered EaseMyTrip Credit Card:

• Age: 18–65 years for the primary cardholder; add-on cardholders must be at least 18 years old

• Income: Must have a stable monthly income—no specific minimum disclosed, but a good credit score and regular income are required 

Criteria for AU Small Finance Bank Ixigo Credit Card:

• Age: 21–60 years for the primary applicant; 18+ for add-on members 

• Income:

  • Salaried: Minimum INR 25,000/month or INR 5 lakh/year

  • Self-employed: Stable income required

Which Card Is Ideal For Travel - Standard Chartered EaseMyTrip Credit Card v/s AU Small Finance Bank ixigo Credit Card

• The Standard Chartered EaseMyTrip Card is ideal for casual or budget-conscious travelers who book flights and hotels mostly on EaseMyTrip. It offers decent discounts and rewards with a low annual fee of INR 350 (easily waived). However, it lacks a welcome bonus, has limited lounge access, and offers no international travel perks.

• AU ixigo Credit Card is better suited for frequent and multi-mode travelers who book flights, trains, and buses. It offers strong travel discounts, higher reward rates, zero forex markup, more lounge visits, and a valuable welcome bonus. Although the annual fee is higher (INR 999), it is waived on reasonable spending, making it more feature-rich and rewarding in the long run.

• The Standard Chartered EaseMyTrip Credit Card is perfect for those who want a simple, low-cost travel card with exclusive savings on EaseMyTrip bookings, ideal for domestic use. On the other hand, the AU Bank ixigo Credit Card is better suited for frequent travelers, offering airport lounge access, international travel benefits, and rewards across multiple travel platforms, making it a more comprehensive and premium option.

  

If you want to know the unbiased AI score of Standard Chartered EaseMyTrip Credit Card and read its detailed review, click here

If you want to know the unbiased AI score of AU Small Finance Bank ixigo Credit Card and read its detailed review, click here

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