Axis Bank Privilege Easy Credit Card vs Standard Chartered Easemytrip Credit Card: Which is Better in 2026?
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The Axis Bank Privilege Easy Credit Card and the Standard Chartered Easemytrip Credit Card cater to different user preferences, with the former focusing on reward points and lounge access, while the latter emphasizes travel-related rewards and a lower fee structure. Both cards charge a forex markup of 3.5%, but differ significantly in their fee waivers, reward structures, and lounge access benefits. Choosing between them depends on your spending habits and travel priorities.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Privilege Easy Credit Card | Standard Chartered Easemytrip Credit Card |
|---|---|---|
| Bank | Axis Bank | Standard Chartered Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee - Rs.350 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.1500 | Renewal Fee of Rs.350 |
| Annual fee waiver | Spend Rs.5 Lakh For Waiver of Annual Fee | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 2X Reward points on Retail |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | Enjoy 2 Complimentary Domestic Lounge Access Per Year |
| Welcome benefit | Welcome Benefit - 12500 EDGE REWARD Points | — |
| Milestone benefit | 10000 Edge Reward Points on Spend of Rs.2.5 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Privilege Easy Credit Card offers a straightforward reward system with 10 EDGE Reward Points per Rs.200 spent and a welcome bonus of 12,500 points, plus a milestone reward of 10,000 points on spending Rs.2.5 lakhs annually. These points have a redemption value of Rs.0.20 each, which can be attractive for regular spenders. On the other hand, the Standard Chartered Easemytrip Credit Card provides accelerated rewards with 2X points on retail and 10X points on standalone hotel and airline spends, with a redemption rate of 2 points equaling Rs.0.50. While the latter offers higher rewards on travel-related spends, the Axis Bank card is better for general rewards accumulation and milestone bonuses.
Which is better for travel?
Both cards provide complimentary domestic lounge access, but the Axis Bank Privilege Easy Credit Card offers 2 lounge visits per quarter, totaling up to 8 visits per year, whereas the Standard Chartered Easemytrip Credit Card offers only 2 visits per year. Neither card provides international lounge access. The Easemytrip card’s reward acceleration on hotel and airline spends makes it more travel-focused in terms of rewards, but Axis Bank’s more frequent lounge access can be more beneficial for frequent domestic travelers.
Which has lower effective cost?
The Standard Chartered Easemytrip Credit Card has a significantly lower joining and renewal fee of Rs.350 each, with a renewal fee waiver on spending Rs.50,000. In contrast, the Axis Bank Privilege Easy Credit Card charges Rs.1500 for joining and renewal, with a waiver only after spending Rs.5 lakhs. Both cards have a forex markup of 3.5%. For those concerned about annual fees and easier waiver thresholds, the Easemytrip card is more cost-effective, while the Axis Bank card demands higher spends to waive fees but offers more reward points and lounge access.
Reward Redemption Value
The Axis Bank card offers a redemption rate of 1 EDGE Reward Point = Rs.0.20, while the Standard Chartered card redeems 2 Reward Points for Rs.0.50, effectively Rs.0.25 per point. This means the Easemytrip card provides slightly better value per point, especially for travel-related redemptions.
Fee Waiver Thresholds
Axis Bank requires a high spend of Rs.5 lakhs annually to waive the Rs.1500 renewal fee, which may be challenging for average users. Standard Chartered’s Easemytrip card has a much lower waiver threshold of Rs.50,000, making it more accessible for users with moderate spending.
Who should pick Axis Bank Privilege Easy Credit Card?
Consider Axis Bank Privilege Easy Credit Card if you prioritize earning a higher volume of reward points on general spends, value a welcome bonus and milestone rewards, and want more frequent domestic airport lounge access. This card suits users who can meet higher annual spends to waive fees and prefer a MasterCard network.
Who should pick Standard Chartered Easemytrip Credit Card?
Consider Standard Chartered Easemytrip Credit Card if you prefer a lower joining and renewal fee with an easier waiver threshold, seek accelerated rewards on travel-related spends such as hotels and airlines, and are comfortable with limited lounge access. This card is suitable for moderate spenders who want travel-focused rewards on a Visa network.
Frequently Asked Questions
Axis Bank Privilege Easy Credit Card charges Rs.1500 as joining and renewal fees with a waiver on spending Rs.5 lakhs annually. Standard Chartered Easemytrip Credit Card charges Rs.350 for joining and renewal with a waiver on spending Rs.50,000.
Yes, both cards offer complimentary domestic airport lounge access. Axis Bank card provides 2 visits per quarter, while Standard Chartered card offers 2 visits per year. Neither offers international lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Standard Chartered Easemytrip Credit Card offers 10X reward points on standalone hotel and airline spends, making it more rewarding for travel expenses. Axis Bank card offers general reward points with milestone bonuses but no specific travel acceleration.
Only the Axis Bank Privilege Easy Credit Card offers a welcome benefit of 12,500 EDGE Reward Points. The Standard Chartered Easemytrip Credit Card does not have a welcome bonus.
Axis Bank card redeems 1 EDGE Reward Point at Rs.0.20, while Standard Chartered card redeems 2 Reward Points at Rs.0.50, effectively Rs.0.25 per point.