Standard Chartered India EaseMyTrip Credit Card

Annual feeJoining fee

₹350 + GST₹350 + GST for 1st year

Fee waiver rule

Get annual fee of ₹350 waived off on spends of ₹50,000 or more on Standard Chartered EaseMyTrip Credit Card in the previous year.

Reward rate

2x reward points for every ₹100 spent on all other category of retail spends.

Travel earning

10x rewards on every ₹100 spent for booking tickets at standalone hotel and airline websites/apps/outlets.

Reward exclusions

Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions.

Reward caps

There is no capping on the reward points earned per month.

What one reward unit is worthCatalogue redemption

1 Reward Point = ₹0.25.

Statement-credit redemption

Reward points earned on Standard Chartered EaseMyTrip credit card cannot be redeemed against the credit card outstanding.

Point expiry

Reward points on EaseMyTrip credit card expires within 2 years from the date on which they are earned

Domestic lounge access

Enjoy 2 complimentary domestic lounge access per calendar year.

International lounge access

With effect from 15 October 2024, complimentary access to international lounge (both within and outside India) has been discontinued

Priority Pass

With effect from 15 October 2024, clients will not be eligible for Priority Pass along with their Standard Chartered EaseMyTrip credit card

Hotel or travel programme

Flat 20% & 10% instant discount on hotel and flight bookings respectively at EaseMyTrip website/app.

Surcharge on railway tickets

₹25 or 2.5% of transaction (whichever is higher) on Railway transactions; the rate of surcharge may vary depending on acquiring bank.

Add-on card eligibility

Minimum age for add-on cardholder is 18 years

Balance transfer terms

Transfer card balance from other bank credit cards up to ₹5,00,000 at attractive interest rate

Purchase to EMI conversion

Convert your big spends above ₹2,000 to easy EMI through online banking or SC Mobile.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

1%1% charge from Visa/ MasterCard on transactions at merchant establishments that are registered overseas, even if the merchant is in India; included as a part of the transaction amount in your statement

Cash advance fee

3% of cash withdrawal amount subject to a minimum of ₹300

Interest on unpaid balance

Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00%.

Interest-free period

18-48 days to 25-55 days depending on your Payment Due Date

Late payment fee

₹0 to ₹1,200 by statement balance (₹1,200 above ₹10,000)

Payment return or dishonour fee

₹500 will get debited towards cheque bounce charges.

Statement or duplicate statement fee

₹99/- per month for paper statement in case the customer opts for both, a paper statement and an electronic statement.

Cash payment / cash deposit fee

₹299 /- will be charged for making payment of credit card bills by depositing cash at any Standard Chartered Bank branch.

EMI conversion fee

Zero processing fees to convert your entire outstanding (up to ₹5,00,000) in EMIs

Reward redemption fee

Redemption fee of ₹99

Rent transaction fee

1% processing fee on transaction amount + applicable taxes

GST note

Goods and Services Tax (GST) at prevailing rates is applicable on all taxable supplies

Minimum amount due

Higher of (a) 5% of statement outstanding or (b) sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or (c) ₹250.

Eligibility

Applicant's age should be between 18 and 65 years for Salaried person and for Self Employed age should be 18 and 67 years.

Income requirement

Applicants should have a stable monthly income.

Documents required

Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.