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SBI Prime 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.

Features

SBI Prime Credit Card
SBI Prime Credit Card
Standard Chartered EaseMyTrip Credit Card
Standard Chartered EaseMyTrip Credit Card

Fees & Charges

Joining Fee
₹2,999 + GST
₹350 + GST
Renewal Fee
₹2,999 + GST
₹350 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹3 Lakhs in the previous year.
Annual renewal fee waived on spends of ₹50,000 or more in the preceding year.
Foreign Transaction Fees
3.5% of the transaction amount for international purchases.
3.5% of the transaction amount
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding amount.
3.75% per month

Rewards & Benefits

Welcome Bonus
e-gift Voucher worth ₹3,000 from brands like Yatra, Shoppers Stop, Pantaloons, Bata, Aditya Birla Fashion.
Rewards Rate
10 RPs/₹100 on Dining, Groceries, Departmental Stores, Movies; 2 RPs/₹100 on other retail spends.
Earn 10x points on travel bookings, 2x on other retail spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST.
₹99

Travel & Lifestyle

Domestic Lounge Access
8 complimentary visits per calendar year to Domestic Lounges (max 2 visits/quarter).
2 complimentary domestic lounge accesses per calendar year.
International Lounge Access
4 complimentary visits per calendar year to International Priority Pass Lounges (max 2 visits/quarter).
Travel Benefits
4 complimentary international & 8 domestic lounge visits. Discounts on hotels & car rentals (variant specific).
Significant discounts on hotel/flight bookings & accelerated rewards on travel spends.
Movie Benefits
Earn 10 Reward Points per ₹100 spent on movies (capped at 7,500 RPs/month).
Dining Benefits
Earn 10 Reward Points per ₹100 spent on dining. Up to 25% discount at partner restaurants (Amex variant).
Golf Benefits
4 rounds of complimentary green fees, up to 50% off games, 1 complimentary lesson/month (Mastercard).
Fuel Surcharge Waiver
1% waiver on transactions ₹500-₹4,000, capped at ₹250 per month.
1% fuel surcharge applicable on all authorized fuel purchases (no waiver).

Security & Other

Insurance Benefits
₹50 lakh Air Accident Liability (till Jul 2025), ₹1 lakh Fraud Liability, Zero Liability Protection.
Zero Liability Protection against a lost or stolen card.
Cash Advance Charges
2.5% of amount withdrawn or ₹500, whichever is higher.
3% of withdrawn cash or ₹300, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI Prime Credit Card

Standard Chartered EaseMyTrip Credit Card

Who is it for?

The SBI Card PRIME is a premium lifestyle credit card designed by SBI Card, offering extensive value across dining, groceries, movies, and travel. It provides accelerated rewards, generous complimentary lounge access, and valuable welcome & milestone benefits, making it an excellent choice for a well-rounded premium experience.

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.

Offers substantial reward points on key spending categories, providing good value back.

Provides generous complimentary lounge access, with 8 domestic and 4 international visits annually.

The welcome benefit of gift vouchers worth ₹3,000 is a valuable perk upon card issuance.

The annual renewal fee can be waived by achieving a reasonable annual spend of ₹3 lakhs.

Network-specific privileges add diverse benefits across golf, dining, and travel for cardholders.

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.

Basic reward rate of 2 RPs/₹100 (0.5% effective) is low compared to accelerated categories.

The value of 1 Reward Point at ₹0.25 is not the highest in the market.

Complimentary Air Accident Liability Cover of ₹50 lakhs will be discontinued from July 2025.

Accelerated reward points are capped at 7,500 RPs/month, limiting earning potential for high spenders.

₹3 lakhs annual spend for renewal fee waiver might be considered high for some users.

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.

Ready to Choose?

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