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

Which is better for rewards?

Both cards offer rewards but with different emphases. The Axis Bank Privilege Easy Credit Card provides a straightforward reward system with 10 EDGE Reward Points per Rs.200 spent and a welcome benefit of 12,500 points, plus a milestone bonus of 10,000 points on spending Rs.2.5 lakhs annually. In contrast, the Standard Chartered Easemytrip Credit Card focuses on travel-related rewards, offering 10X points on standalone hotel and airline spends and 2X points on retail, but it lacks a welcome benefit or milestone rewards. Redemption values differ, with Axis Bank offering Rs.0.20 per point and Standard Chartered offering Rs.0.25 per point (2 points = Rs.0.50). Overall, reward value depends on spending patterns, with Axis Bank better for milestone-driven earners and Standard Chartered for travel-focused users.

Which is better for travel?

When it comes to travel benefits, the Standard Chartered Easemytrip Credit Card has a slight edge due to its accelerated 10X reward points on hotel and airline spends, which benefits frequent travelers. Both cards offer 2 complimentary domestic lounge accesses, but Axis Bank provides 2 per quarter (total 8 per year), whereas Standard Chartered offers only 2 per year, making Axis Bank better for lounge access frequency. However, neither card offers international lounge access. Both cards have the same forex markup fee of 3.5%, which is on the higher side for foreign currency transactions.

Which has lower effective cost?

The Standard Chartered Easemytrip Credit Card is more cost-effective with a joining and renewal fee of Rs.350, which can be waived by 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. This makes the Standard Chartered card more accessible for users with moderate spending. Additionally, Axis Bank charges fees for reward redemption, which can add to the overall cost. Both cards do not provide fuel surcharge waivers except Axis Bank’s 1% fuel surcharge waiver, which may benefit regular fuel buyers.

Reward Redemption Value

Axis Bank Privilege Easy Credit Card redeems EDGE Reward Points at Rs.0.20 per point, while Standard Chartered Easemytrip Credit Card offers a redemption rate of Rs.0.25 per point (2 points = Rs.0.50). This makes Standard Chartered slightly better in terms of reward value per point.

Fee Waiver Thresholds

Axis Bank requires a high spend of Rs.5 lakhs annually to waive the Rs.1500 annual fee, which may not be feasible for all users. Standard Chartered offers a much lower waiver threshold of Rs.50,000, making it more accessible for moderate spenders.

Lounge Access Frequency

Axis Bank Privilege Easy Credit Card provides 2 complimentary domestic lounge visits per quarter, totaling 8 per year, whereas Standard Chartered Easemytrip Credit Card offers only 2 complimentary domestic lounge visits per year. Frequent travelers who value lounge access may prefer Axis Bank's offering.

Who should pick Axis Bank Privilege Easy Credit Card?

Consider Axis Bank Privilege Easy Credit Card if you prefer a card with a higher reward point accumulation on general spends, welcome and milestone benefits, and more frequent complimentary domestic lounge access. This card suits users with higher annual spends who can benefit from the fee waiver threshold and milestone rewards.

Who should pick Standard Chartered Easemytrip Credit Card?

Consider Standard Chartered Easemytrip Credit Card if you are a frequent traveler looking for accelerated rewards on hotel and airline bookings, prefer a lower joining and renewal fee, and want a simpler fee waiver condition. This card is suitable for moderate spenders who want travel-focused benefits and occasional lounge access.