Standard Chartered India EaseMyTrip Credit Card

Lounge access

• Domestic lounge access: 2 complimentary domestic lounge visits per calendar year (1 per calendar quarter; w.e.f. 15 October 2024 eligible for 2 complimentary visits in a calendar year), applicable via Visa Domestic Lounge Program on the EaseMyTrip card only.
• Requires INR 2 swipe validation.
• International lounge: 2 complimentary international lounge visits per calendar year via Priority Pass (Priority Pass issuance/usage for international lounges discontinued w.e.f. 15 October 2024; access chargeable).
• Priority Pass domestic lounge visits chargeable up to USD 29 per visit.
• All visits beyond complimentary and all guest visits chargeable up to USD 29 per visit.
• Both primary and supplementary cardholders get access individually.

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Forex markup

• All overseas transactions are levied with a 3.5% transaction fee (includes charges paid out to Visa/Master for converting overseas transactions into INR).
• Transactions at merchant establishments registered overseas, even if the merchant is located in India, attract a charge of 1% from Visa/MasterCard included in the transaction amount.

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Charge

• Annualized Percentage Rate (w.e.f. 1 May 2021): 3.75% p.m. (APR 45%).
• Instant credit card variants 1.99% p.m. (APR 23.88%).
• Cash transactions 3.75% p.m. (APR 45%).
• Late Payment Charges (w.e.f. 1 May 2024): ₹0 for outstanding <=₹100.
• ₹100 for ₹101-500.
• ₹500 for ₹501-5,000.
• ₹700 for ₹5,001-10,000.
• ₹1200 for >₹10,000.
• Additional ₹100 late fee if Minimum Amount Due not received for 2 or more consecutive months.
• Cheque Bounce Charges ₹500.
• Over Limit Charges ₹500 per instance or 2.5% of overlimit amount (min ₹500).
• Card Replacement Fee NIL.
• Rewards Handling Charges ₹99.
• Cash Advance Fee: ATM withdrawals 3% of amount (min ₹300).
• Overseas Transactions 3.5% (2% on Ultimate Card).
• Overseas-registered merchant 1%.
• Surcharges: Railway ₹25 or 2.5% (whichever higher).
• Petrol ₹10 or 1% (whichever higher).
• Rental payments (w.e.f. 2 April 2023): 1% processing fee + applicable taxes.
• GST at applicable rates.
• Cheque/Cash Pick up Fee ₹100 for overdue accounts.
• Cash Repayment Fee ₹299 for cash bill payment at branch.
• Paper Statement Fee ₹99 per month if opting for both paper and electronic.
• Branch Service Handling Charges ₹199.
• Self Service IVR / Phone Banking FREE.

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Interest-free period

• The Payment Due Date can be between 18 and 25 days after the Statement Date.
• Interest-free credit period can range from 18-48 days to 25-55 days depending on your Payment Due Date.
• The interest-free period does not apply to cash advances and revolving balances.

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Fuel surcharge waiver

• Surcharges: INR 25 or 2.5% of transaction (whichever is higher) on Railway transactions.
• INR 10 or 1% of transaction (whichever is higher) on Petrol transactions.
• The rate of surcharge may vary depending on acquiring bank.

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Redemption value

• Reward points expire after 2 years from the date earned.
• Redeemable through the bank's rewards portal R360 (https://retail.sc.com/in/rewards360/rewards_home/in), only against products, vouchers or services featured in the 360 Rewards catalogue subject to availability.
• Rewards Handling Charges of ₹99 towards handling and courier charges for redemption of reward points.

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Reward cap

• There is no cap on the reward points earned per month on the card.
• Reward points expire after 2 years from the date on which they are earned.

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Reward exclusion

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Hotel benefit

• On EaseMyTrip bookings using coupon code EMTSCB: Flat 20% instant discount on domestic hotel bookings (max ₹5,000/txn).
• Flat 20% instant discount on international hotel bookings (max ₹10,000/txn).
• Applicable on hotels part of the discount program on EaseMyTrip platforms.
• Available only once per month per card per category.

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Travel benefit

• Instant discounts on EaseMyTrip bookings using coupon EMTSCB (once per month per card per category): Flat 10% on domestic flights (max ₹1,000/txn).
• Flat 10% on international flights (max ₹5,000/txn).
• Flat ₹125 off on domestic bus tickets (min booking ₹500).
• Flat 20% on domestic hotels (max ₹5,000/txn).
• Flat 20% on international hotels (max ₹10,000/txn).

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Insurance

• Cardholder liability for unauthorised electronic banking transactions determined per the Bank's Policy on Limited Liability of Customers in Unauthorized Electronic Banking Transactions.
• Provisional/shadow credit of disputed amount provided if investigation is incomplete/inconclusive within 10 working days of notification (subject to reporting within 7 working days).

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