Indusind Visa Platinum Credit Card vs Standard Chartered Easemytrip Credit Card: Which is Better in 2026?

Which is better for rewards?

When it comes to rewards, the Standard Chartered Easemytrip Credit Card stands out with 10X reward points on standalone hotel and airline spends and 2X points on retail purchases, making it more attractive for frequent travelers and shoppers. The Indusind Visa Platinum Credit Card offers a flat 0.7 reward points on various bill payments including real estate, utilities, insurance, and government payments, which is more suited for everyday essential expenses. Neither card offers cashback, but the Easemytrip card’s accelerated travel rewards generally provide higher value for travel enthusiasts.

Which is better for travel?

For travel benefits, the Standard Chartered Easemytrip Credit Card is better positioned as it includes two complimentary domestic lounge accesses per year, enhancing airport experience for cardholders. The Indusind Visa Platinum Credit Card does not offer any lounge access or specific travel perks beyond the welcome gift voucher. Both cards have the same forex markup of 3.5%, so foreign currency transaction costs are similar. Overall, Easemytrip is more travel-focused with its rewards and lounge access.

Which has lower effective cost?

The Indusind Visa Platinum Credit Card has no joining fee mentioned and no clear renewal fee or fee waiver details, which may imply lower or no fees but requires confirmation from the issuer. In contrast, the Standard Chartered Easemytrip Credit Card charges a joining and renewal fee of Rs.350 each, with a waiver available on spending Rs.50,000 annually. For beginners or those looking to avoid upfront fees, Indusind’s card appears more cost-effective, but the fee waiver on Easemytrip is straightforward if the spending criteria are met.

Reward Focus and Usage

Indusind Visa Platinum Credit Card targets essential and recurring payments with steady reward points, making it practical for everyday bill payments. In contrast, Standard Chartered Easemytrip Credit Card emphasizes travel and retail rewards, appealing to users who spend more on flights, hotels, and shopping.

Fee Structure and Waivers

Indusind’s card does not specify renewal fees or waivers, suggesting a simpler fee structure, while Standard Chartered’s Easemytrip card has a clear fee and waiver policy tied to annual spending, which could influence cost-effectiveness depending on user spending patterns.

Who should pick Indusind Visa Platinum Credit Card?

Consider Indusind Visa Platinum Credit Card if you prefer a no joining fee card that rewards you on essential payments like rent, utilities, and insurance. It is suitable for users who want simple rewards on everyday expenses without worrying about fee waivers or complex conditions. The complimentary night gift voucher at The Postcard is an added welcome benefit for those who appreciate lifestyle perks.

Who should pick Standard Chartered Easemytrip Credit Card?

Consider Standard Chartered Easemytrip Credit Card if you are a frequent traveler or shopper looking to maximize rewards on hotel, airline, and retail spends. The card’s complimentary domestic lounge access and accelerated reward points make it a good choice for travel enthusiasts. However, be prepared for a joining and renewal fee, which can be waived with adequate annual spending.