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PNB EMT RuPay Platinum Credit Card VS Standard Chartered EaseMyTrip Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 2 May 2026

Both Standard Chartered EaseMyTrip Credit Card and PNB EMT RuPay Platinum Credit Card suit travel-focused spenders, but they earn and cost differently. Standard Chartered EaseMyTrip Credit Card costs ₹350 + GST and earns 10x points on travel bookings, 2x on other retail spends. PNB EMT RuPay Platinum Credit Card costs ₹2,000 + GST and earns 4 reward points for every ₹100 spent (alternate: 1 point per ₹100; value ₹0.25 per point). Valid on retail spends excluding cash withdrawal, fuel. Standard Chartered EaseMyTrip Credit Card also brings 2 complimentary domestic lounge accesses per calendar year, while PNB EMT RuPay Platinum Credit Card counters with 8 complimentary annual visits (2 per quarter) across 30+ airport lounges in 17 Indian cities. If shopping spending matters more, go with Standard Chartered EaseMyTrip Credit Card; if international spends is the priority, PNB EMT RuPay Platinum Credit Card fits better.

PNB EMT RuPay Platinum Credit Card
PNB EMT RuPay Platinum Credit Card
Standard Chartered EaseMyTrip Credit Card
Standard Chartered EaseMyTrip Credit Card

Fees & Charges

Joining Fee₹2,000 + GST
Joining Fee₹350 + GST
Renewal FeeFree (1st year)
Renewal Fee₹350 + GST
Spend Based WaiverAnnual fee waived if annual spends exceed ₹1 lakh in the preceding year.
Spend Based WaiverAnnual renewal fee waived on spends of ₹50,000 or more in the preceding year.
Foreign Transaction Fees3.50%
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)2.95%
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome Bonus₹3,000 welcome voucher (flights ₹500, hotels ₹1,000, holidays ₹1,500) plus 300 reward points on first transaction.
Welcome Bonus
Rewards RateEarn 4 reward points for every ₹100 spent (alternate: 1 point per ₹100; value ₹0.25 per point). Valid on retail spends excluding cash withdrawal, fuel, and jewellery.
Rewards RateEarn 10x points on travel bookings, 2x on other retail spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access8 complimentary annual visits (2 per quarter) across 30+ airport lounges in 17 Indian cities.
Domestic Lounge Access2 complimentary domestic lounge accesses per calendar year.
International Lounge Access2 complimentary airport lounge accesses per year across 500+ cities worldwide.
International Lounge Access
Travel BenefitsDomestic flights: flat 10% off up to ₹1,000; international flights: flat 10% off up to ₹5,000; domestic hotels: flat 20% off up to ₹5,000; international hotels: flat 20% off up to ₹10,000; bus bookings: flat ₹125 off on min ₹500. Max 4 discount transactions per card per month.
Travel BenefitsSignificant discounts on hotel/flight bookings & accelerated rewards on travel spends.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (min waiver ₹12.50; max waiver ₹250 per billing cycle).
Fuel Surcharge Waiver1% fuel surcharge applicable on all authorized fuel purchases (no waiver).

Security & Other

Insurance BenefitsAccidental death and personal total disability coverage up to ₹2 lakhs.
Insurance BenefitsZero Liability Protection against a lost or stolen card.
Cash Advance Charges2%
Cash Advance Charges3% of withdrawn cash or ₹300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

PNB EMT RuPay Platinum Credit Card

Standard Chartered EaseMyTrip Credit Card

Who is it for?

The Pnb Emt RuPay Platinum Credit Card is a mid-range, travel-focused card designed for frequent travellers who value lounge access, travel discounts, and basic insurance protection. With a ₹3,000 welcome voucher, 300 bonus points on the first transaction, and waived annual fees on ₹1 lakh+ spends, it balances cost and convenience. Ideal for users seeking domestic and international lounge privileges plus savings on flights, hotels, and holidays.

Who is it for?

The Standard Chartered EaseMyTrip Credit Card is a co-branded travel credit card designed for individuals who frequently book travel, particularly through the EaseMyTrip platform. It offers significant discounts on hotel and flight bookings, accelerated rewards on travel-related spends, and complimentary domestic lounge access. This card is ideal for frequent domestic travelers seeking substantial savings on travel expenses and a low annual fee that can be easily waived.

Pros

Key benefits and features.

Insurance coverage up to ₹2 lakhs for accidental death and personal total disability adds valuable protection for cardholders.

Cashback and discounts on travel bookings including flights, hotels, and buses deliver tangible savings on trips.

Complimentary domestic and international lounge access enhances comfort during frequent travel across regions.

Fuel surcharge waiver on eligible transactions reduces everyday spend costs within defined limits.

Pros

Key benefits and features.

High instant discounts on domestic and international hotel and flight bookings via EaseMyTrip.

Excellent accelerated reward rate of 10x on standalone hotel and airline spends.

Complimentary domestic airport lounge access (2 per year).

The annual fee is easily waivable with a reasonable spend of ₹50,000 in the previous year.

Decent base reward rate of 2x on all other retail purchases.

Cons

Key drawbacks and limitations.

No discounts on movies and dining narrows the card’s appeal for everyday lifestyle and entertainment spends.

Limited international benefits and lounge coverage may fall short for high-frequency global travellers.

Discount cap of 4 transactions per card per month restricts heavy users from maximising savings on travel bookings.

Cons

Key drawbacks and limitations.

International lounge access has been discontinued from October 15, 2024.

The card does not offer any waiver on fuel surcharge transactions.

A rewards redemption fee of ₹99 is applicable.

A foreign currency markup of 3.5% applies to international transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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