Axis Bank Privilege Easy Credit Card vs Standard Chartered EaseMyTrip Credit Card: Which is Better in 2026?

Which is better for rewards?

The Axis Bank Privilege Easy Credit Card offers a straightforward rewards program with 10 EDGE Reward Points per Rs. 200 spent and a welcome benefit of 12,500 points, plus a milestone of 10,000 points on spending Rs. 2.5 lakhs. Its reward redemption rate is Rs. 0.20 per point. In contrast, the Standard Chartered Easemytrip Credit Card provides 2X reward points on retail and accelerated 10X points on standalone hotels and airlines, with a redemption rate of 2 points equaling Rs. 0.50. Axis Bank's card may appeal more to general spenders seeking a higher welcome bonus and milestone rewards, while Standard Chartered's card suits frequent travelers focused on hotel and airline spends.

Which is better for travel?

For travel benefits, Axis Bank's card offers 2 complimentary domestic airport lounge accesses per quarter, totaling 8 per year, which is more generous compared to Standard Chartered Easemytrip's 2 complimentary domestic lounge accesses per year. Neither card provides international lounge access. Standard Chartered's card, however, rewards travel-related spends more aggressively with 10X points on hotels and airlines, which can be valuable for frequent travelers. Axis Bank's card is better for lounge access frequency, while Standard Chartered is more rewarding for travel spending categories.

Which has lower effective cost?

The Standard Chartered Easemytrip Credit Card has a significantly lower joining and renewal fee of Rs. 350, with a waiver on renewal fee upon spending Rs. 50,000. Axis Bank's card charges Rs. 1,500 for joining and renewal, with a waiver only after spending Rs. 5 lakh, which is a much higher threshold. Both cards have the same 3.5% forex markup fee. Additionally, Axis Bank's card has lower cash withdrawal fees at 2.5% compared to Standard Chartered's 3%, but Standard Chartered charges a higher cash processing fee of Rs. 299 versus Rs. 175 for Axis Bank. Overall, Standard Chartered's card is more beginner-friendly and cost-effective for lower spenders.

Reward Redemption Value

Axis Bank's card offers a redemption rate of Rs. 0.20 per EDGE Reward Point, while Standard Chartered's card provides Rs. 0.25 per reward point (2 points = Rs. 0.50). This means Standard Chartered's points have a slightly better redemption value, especially for travel-related rewards.

Fee Waiver Complexity

Axis Bank requires a high spend of Rs. 5 lakh annually to waive the Rs. 1,500 renewal fee, which may be challenging for many users. Standard Chartered offers a much lower waiver threshold of Rs. 50,000 for its Rs. 350 renewal fee, making it more accessible for moderate spenders.

Who should pick Axis Bank Privilege Easy Credit Card?

Consider Axis Bank Privilege Easy Credit Card if you are a higher spender who can meet the Rs. 5 lakh annual spend to waive the fees and want more frequent domestic lounge access. It is also suitable if you value a welcome reward and milestone points for your general spending, and prefer a consistent reward point accrual rate.

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 of Rs. 50,000 annual spend. It is ideal for travelers who spend significantly on hotels and airlines and want accelerated rewards on these categories, along with basic domestic lounge access and a more beginner-friendly fee structure.