Overview
If you are a frequent traveler who loves to explore new destinations and enjoy discounts and rewards on your travel bookings, then the Standard Chartered EaseMyTrip Credit Card is the perfect choice for you. This co-branded credit card between Standard Chartered Bank and EaseMyTrip, one of the leading online travel portals in India, offers you exclusive travel benefits that make your trips more rewarding and hassle-free. In this blog, we will review the features, benefits, eligibility, cons, fees and charges of this credit card and help you decide if it suits your travel needs.
Benefits
The Standard Chartered EaseMyTrip Credit Card offers you a range of benefits that include:
Discounts: Get flat 20% and 10% instant discounts on hotel and flight bookings respectively at EaseMyTrip website or app using the promo code EMTSCB. The maximum discount for hotel bookings is Rs. 5,000 for domestic and Rs. 10,000 for international hotels. The maximum discount for flight bookings is Rs. 1,000 for domestic and Rs. 5,000 for international flights. You can also get Rs. 125 off on bus ticket bookings of Rs. 500 or more.
Rewards: Get 10x reward points on every Rs. 100 spent on booking tickets at standalone hotel and airline websites, apps or outlets. Get 2x reward points on every Rs. 100 spent on all other categories of retail spends. You can redeem your reward points against a wide range of products and services from the online catalogue of Standard Chartered 360° Rewards.
Lounge Access: Enjoy free lounge access at domestic and international airports with your credit card. You can get one domestic lounge access per calendar quarter and two international lounge access per year.
Annual Fee Waiver: Get your annual fee of Rs. 350 waived off on spending Rs. 50,000 or more on your credit card in the previous year.
Eligibility
To apply for the Standard Chartered EaseMyTrip Credit Card, you need to meet the following eligibility criteria:
You should be an Indian resident.
You should be at least 21 years old and not more than 65 years old.
You should have a stable income and a good credit history.
You should have a valid PAN card and Aadhaar card.
You can apply for the credit card online by visiting the Standard Chartered website or the EaseMyTrip website and filling up the application form with your personal and professional details. You will also need to submit some documents such as identity proof, address proof, income proof and passport size photographs.
Cons
The Standard Chartered EaseMyTrip Credit Card is a great travel card, but it also has some drawbacks that you should be aware of before applying for it. Some of the cons are:
- The discounts and rewards are applicable only on bookings made through EaseMyTrip website or app or standalone hotel and airline websites, apps or outlets. You will not get any benefits if you book through other travel aggregators or platforms.
- The discounts are subject to availability and may vary depending on the season, destination and hotel or flight availability.
- The lounge access is limited to only one domestic lounge per quarter and two international lounges per year. You will have to pay the applicable charges if you exceed the limit or visit any other lounge.
The reward points expire within two years from the date of earning them. You will have to redeem them before they expire or else you will lose them.
Fees and Charges
The Standard Chartered EaseMyTrip Credit Card comes with a nominal annual fee of Rs. 350 plus GST for the first year. From the second year onwards, the annual fee is Rs. 350 plus GST, which can be waived off if you spend Rs. 50,000 or more on your credit card in the previous year.
Apart from the annual fee, there are some other fees and charges that you should know about:
Interest Rate: The interest rate on this credit card is 3.49% per month or 41.88% per annum.
Cash Advance Fee: The cash advance fee is 3% of the amount withdrawn or Rs. 300, whichever is higher.
Late Payment Fee: The late payment fee ranges from Rs. 100 to Rs. 800 depending on the outstanding balance.
Overlimit Fee: The overlimit fee is 2.5% of the overlimit amount or Rs. 500, whichever is higher.
Foreign Currency Transaction Fee: The foreign currency transaction fee is 3.5% of the transaction amount.
Cheque Bounce Fee: The cheque bounce fee is Rs. 500 per cheque.
Card Replacement Fee: The card replacement fee is Rs. 100.
Conclusion
The Standard Chartered EaseMyTrip Credit Card is a good option for travelers who want to enjoy discounts and rewards on their travel bookings and also get free lounge access at airports. The credit card has a low annual fee, which can be waived off on meeting the spending criteria. The credit card also offers cashback on Uber rides, which can help you save on your commute. However, the credit card has some limitations, such as the restricted applicability of the discounts and rewards, the limited lounge access and the expiry of the reward points. Therefore, you should weigh the pros and cons of this credit card and compare it with other travel cards before applying for it.
FAQs
Here are 10 detailed FAQs on Standard Chartered EaseMyTrip Credit Card:
1. What is Standard Chartered EaseMyTrip Credit Card?
Standard Chartered EaseMyTrip Credit Card is a co-branded credit card between Standard Chartered Bank and EaseMyTrip, a leading online travel portal in India. The card offers exclusive travel benefits such as discounts, rewards and free lounge access on travel bookings.
2. How can I apply for Standard Chartered EaseMyTrip Credit Card?
You can apply for Standard Chartered EaseMyTrip Credit Card online by visiting the Standard Chartered website and filling out the application form. You will need to provide your personal, income and contact details, and upload the required documents. Alternatively, you can also visit the nearest Standard Chartered branch or call the customer care number to apply for the card.
3. What are the benefits of Standard Chartered EaseMyTrip Credit Card?
Some of the benefits of Standard Chartered EaseMyTrip Credit Card are:
Get flat 20% and 10% instant discounts on hotel and flight bookings respectively at EaseMyTrip website/app using the promo code EMTSCB.
Get 10x reward points on every ₹100 spent on booking tickets at standalone hotel and airline websites/apps/outlets.
Get 2x reward points on every ₹100 spent on all other retail spends.
Enjoy 1 domestic lounge access per calendar quarter and 2 international lounge access per year.
Get annual fee waiver on spends of ₹50,000 or more in the previous year.
4. What is the annual fee and renewal fee of Standard Chartered EaseMyTrip Credit Card?
The annual fee and renewal fee of Standard Chartered EaseMyTrip Credit Card is INR 350 + GST. However, you can get the renewal fee waived off if you spend INR 50,000 or more in the previous year.
5. How can I redeem the reward points earned on Standard Chartered EaseMyTrip Credit Card?
You can redeem the reward points earned on Standard Chartered EaseMyTrip Credit Card through the Standard Chartered 360° Rewards program. You can choose from a wide range of products, vouchers, cashback and air miles from the online catalogue. You can also use your reward points to pay for your purchases at partner merchants.
6. How can I avail the lounge access benefit of Standard Chartered EaseMyTrip Credit Card?
You can avail the lounge access benefit of Standard Chartered EaseMyTrip Credit Card by presenting your card at the participating lounges across India and abroad. You can find the list of lounges on the Standard Chartered website or app. You can enjoy 1 domestic lounge access per calendar quarter and 2 international lounge access per year.
7. How can I get the discounts on hotel and flight bookings at EaseMyTrip website/app using Standard Chartered EaseMyTrip Credit Card?
You can get the discounts on hotel and flight bookings at EaseMyTrip website/app using Standard Chartered EaseMyTrip Credit Card by following these steps:
Visit the EaseMyTrip website or app and select your preferred hotel or flight.
Enter your details and proceed to the payment page.
Select Standard Chartered EaseMyTrip Credit Card as your payment option and enter your card details.
Apply the promo code EMTSCB and get flat 20% and 10% instant discounts on hotel and flight bookings respectively.
8. What are the terms and conditions of the discounts on hotel and flight bookings at EaseMyTrip website/app using Standard Chartered EaseMyTrip Credit Card?
Some of the terms and conditions of the discounts on hotel and flight bookings at EaseMyTrip website/app using Standard Chartered EaseMyTrip Credit Card are:
The offer is valid till 31st March 2023.
The offer is applicable only on bookings made through EaseMyTrip website or app using Standard Chartered EaseMyTrip Credit Card.
The offer is valid only once per card per month.
The maximum discount amount is ₹5,000 for domestic hotels, ₹10,000 for international hotels, ₹1,000 for domestic flights and ₹5,000 for international flights.
The offer is not valid on bookings made through any other channel or mode of payment.
The offer is subject to availability and may be changed or withdrawn without prior notice.
9. What are the other features of Standard Chartered EaseMyTrip Credit Card?
Some of the other features of Standard Chartered EaseMyTrip Credit Card are:
Supplementary credit card: You can extend the credit card benefits to your family members by applying for a supplementary credit card.
Contactless credit card: You can use your contactless credit card for faster and secure payments at merchant terminals that accept contactless payments.
Secure online transactions: You can enjoy enhanced security for online transactions on your credit card through 3D secure OTP verification.
Digital payment solutions: You can avail various instant payment solutions such as BharatQR, Bharat Bill Payment Solution (BBPS) and Samsung Pay.
Kuch Bhi on EMI: You can convert your big spends above ₹2,000 to easy EMIs through online banking or SC Mobile. You can get attractive pricing and flexible tenure options.
Dial-a-loan: You can get a loan up to ₹5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Balance transfer: You can transfer your card balance from other bank credit cards up to ₹5,00,000 at attractive interest rates.
Balance EMI: You can convert your entire outstanding up to ₹5,00,000 in EMIs with zero processing fees.
10. How can I contact the customer care of Standard Chartered EaseMyTrip Credit Card?
You can contact the customer care of Standard Chartered EaseMyTrip Credit Card by calling the toll-free number 1800 345 1000 or 1800 345 5000. You can also email your queries or complaints to customer.care@sc.com. Alternatively, you can also visit the nearest Standard Chartered branch or write to the following address:
Standard Chartered Bank,
Customer Care Unit,
19, Rajaji Salai,
Chennai - 600 001