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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.
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Last updated: 17 July 2026

Both SBI Prime Credit Card and Standard Chartered EaseMyTrip Credit Card suit shopping-focused spenders, but they earn and cost differently. SBI Prime Credit Card costs ₹2,999 + GST and earns 10 RPs/₹100 on Dining, Groceries, Departmental Stores, Movies; 2 RPs/₹100 on other retail spends. Standard Chartered EaseMyTrip Credit Card costs ₹350 + GST and earns 10x points on travel bookings, 2x on other retail spends. SBI Prime Credit Card also brings 8 complimentary visits per calendar year to Domestic Lounges (max 2 visits/quarter), while Standard Chartered EaseMyTrip Credit Card counters with 2 complimentary domestic lounge accesses per calendar year. If dining spending matters more, go with SBI Prime Credit Card; if travel is the priority, Standard Chartered EaseMyTrip Credit Card fits better.

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
Joining Fee₹350 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹350 + GST
Spend Based WaiverRenewal fee waived off if minimum of ₹3 lakhs spent in the previous year.
Spend Based WaiverAnnual renewal fee waived on spends of ₹50,000 or more in the preceding year.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees3.5% of the transaction amount
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome BonusWelcome e-Gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop.
Welcome Bonus
Rewards Rate10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases. 2 RP on other spends.
Rewards RateEarn 10x points on travel bookings, 2x on other retail spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic airport lounge visits per annum (maximum 2 visits per quarter).
Domestic Lounge Access2 complimentary domestic lounge accesses per calendar year.
International Lounge Access4 complimentary international airport lounge access every year with Priority Pass Membership (max 2 per quarter).
International Lounge Access
Travel BenefitsComplimentary Club ITC Silver Membership, discounts at ITC Hotels, travel vouchers, global acceptance.
Travel BenefitsSignificant discounts on hotel/flight bookings & accelerated rewards on travel spends.
Movie BenefitsEarn 10 Reward Points for every ₹100 spent on movies.
Movie Benefits
Dining BenefitsEarn 10 Reward Points for every ₹100 spent on dining; Amex variant offers up to 25% discount.
Dining Benefits
Golf Benefits
Complimentary Golf Rounds and Lessons are available with Mastercard and RuPay SELECT variants.
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, capped at ₹250/month.
Fuel Surcharge Waiver1% fuel surcharge applicable on all authorized fuel purchases (no waiver).

Security & Other

Insurance BenefitsFraud Liability Cover Worth ₹1 Lakh and complimentary air accident liability cover of ₹50 lakhs.
Insurance BenefitsZero Liability Protection against a lost or stolen card.
Cash Advance Charges2.5% of the amount withdrawn or ₹500, whichever is higher.
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.

SBI Prime Credit Card

Standard Chartered EaseMyTrip Credit Card

Who is it for?

The SBI Prime Credit Card is a premium lifestyle card offering value-added benefits for individuals who frequently spend on shopping and travel. It provides attractive welcome vouchers, accelerated reward points on dining, movies, groceries, and departmental stores. Cardholders also enjoy complimentary domestic and international airport lounge access, milestone benefits, and various network-specific privileges, making it a comprehensive choice for a rewarding lifestyle with a manageable annual fee.

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.

Enjoy 8 complimentary domestic and 4 international airport lounge visits annually.

Offers an attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands.

The annual renewal fee can be waived upon achieving a minimum spend of ₹3 lakhs.

Offers exciting privileges across various lifestyle categories, including dining, entertainment, and golf.

Available in four variants (Mastercard, RuPay, Amex, VISA) with exclusive network benefits.

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.

The annual fee of ₹2,999 + GST might be high for users not maximizing benefits.

The base reward rate of 2 points per ₹100 on non-accelerated spends is relatively low.

A high interest rate of 3.75% per month (45% per annum) applies to outstanding balances.

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.
Apply for SBI Prime Credit Card(opens in new tab)Apply for Standard Chartered EaseMyTrip Credit Card(opens in new tab)