Most brands team up with banks to launch co-branded credit cards—but EaseMyTrip has taken a different route by offering both a credit and a debit card with Standard Chartered Bank and Bank of Baroda, respectively.
While both cards offer similar co-branded travel benefits, such as discounts on hotel, flight & other travel bookings, they function differently. Bank of Baroda EaseMyTrip Debit Card allows cardholders to use the funds available in their bank account and save on their travel spends. Whereas, Standard Chartered EaseMyTrip Credit Card provides cardholders with additional purchasing power and allows them to build credit, while saving on their travel spends.
Here is a detailed comparison of these cards to help you find out which one suits your travel needs.
Co-branded Travel Benefits
| Particular | Standard Chartered EaseMyTrip Credit Card | Bank of Baroda EaseMyTrip Debit Card |
| Domestic Hotel Bookings | 20% discount (Up to Rs. 5,000) | 15% discount (Up to Rs. 5,000) |
| International Hotel Bookings | 20% discount (Up to Rs. 10,000) | 15% discount (Up to Rs. 10,000) |
| Domestic Flight Bookings | 10% discount (Up to Rs. 1,000) | 10% off (Up to Rs. 1,000) |
| International Flight Bookings | 10% discount (Up to Rs. 5,000) | 10% off (Up to Rs. 5,000) |
| Bus Bookings | Rs. 125 off on minimum ticket value of Rs. 500 | 10% instant discount (Up to Rs. 250) |
| Activity Bookings | – | 10% instant discount (Up to Rs. 1,000) |
| Airport Transfer/Outstation Cab | – | 10% instant discount (Up to Rs. 1,000) |
| Reward Points | 2 reward points per Rs. 100 spent on EaseMyTrip | – |
While both cards offer similar co-branded travel benefits, BOB EaseMyTrip Debit Card extends these benefits to bus, activity, airport transfer, and outstation cab bookings as well. On the other hand, Standard Chartered EaseMyTrip Credit Card offers comparatively limited benefits on these categories. However, it compensates for this by offering base reward points (2 points per Rs. 100) in addition to discounts on travel spends at EaseMyTrip, allowing cardholders to accumulate higher reward points.
One important point to note is that both cards come with their own usage restrictions. With BOB Debit Card, cardholders can avail the discount on a maximum of 2 transactions in a quarter. Whereas, Standard Chartered Credit Card allows cardholders to avail the discount once per month per category. For instance, if a user has already availed the discount on domestic flight bookings in a month, he/she will not be able to avail the discount again in the same category in the same month.
Overall, when it comes to co-branded travel benefits, both cards offer similar value. However, Standard Chartered EaseMyTrip Card stands out by offering reward points along with discounts on EaseMyTrip bookings.
Other Travel Benefits
| Particular | Standard Chartered EaseMyTrip Credit Card | Bank of Baroda EaseMyTrip Debit Card |
| Reward Points | 10 reward points per Rs. 100 spent at standalone airline/hotel websites, apps or outlets, except any travel aggregators | – |
| Discount on Other Brands | – | 25% instant discount (Up to Rs. 5,000) on Spree Hotels
15% instant discount (Up to Rs. 300) on Yolo bus bookings |
Apart from the co-branded discounts, both cards extend their travel benefits to other brands as well. While BOB Debit Card offers discounts on Spree Hotels and Yolo Bus bookings, Standard Chartered Credit Card stands out by offering accelerated rewards on travel spends made directly at standalone airline or hotel websites, apps, or outlets excluding travel aggregators, which makes it a better option for travellers who do not have a specific brand preference.
Overall, if you’re only considering co-branded benefits, both cards offer similar travel benefits. However, for consumers looking to maximize benefits & rewards across all travel spends, Standard Chartered Credit Card would be a better pick.
Complimentary Lounge Access
| Particular | Standard Chartered EaseMyTrip Credit Card | Bank of Baroda EaseMyTrip Debit Card |
| Domestic Lounge Access | 2 complimentary domestic lounge visits in a year | 8 complimentary domestic lounge visits in a year |
| International Lounge Access | – | 2 complimentary international lounge visits every year |
When it comes to lounge access benefits, BOB Debit Card clearly stands out by offering a higher number of domestic lounge visits, along with international lounge access. Earlier, Standard Chartered Credit Card used to offer complimentary international lounge access, but the discontinuation of this benefit might be a drawback for frequent travellers.
Other Benefits
Standard Chartered EaseMyTrip Credit Card
- 2 reward points per Rs. 100 spent on other categories
- Annual fee waiver on spending Rs. 50,000 in a year
Bank of Baroda EaseMyTrip Debit Card
Complimentary Memberships:
- Amazon Prime or Zee5 or SonyLiv Annual Membership (anyone per annum)
- Complimentary Gaana Plus 12-month Membership
Benefits on Top Brands:
- BigBasket or Blinkit or Flipkart voucher worth Rs. 250 every quarter
- Flat Rs. 250 off on booking 2 movie/non-movie tickets via BookMyShow, once per quarter
- 20% instant discount, up to Rs. 100 per month on recharge/bill payments via Amazon on a minimum transaction value of Rs. 129 (Applicable only on Fridays)
- 20% instant discount, up to Rs. 100 per month on Swiggy on a minimum order value of Rs. 129 (Applicable only on Fridays)
- 24×7 concierge services to manage flight bookings, table reservations, gift deliveries and more
Which One Should You Choose?
Both EaseMyTrip debit and credit cards offer similar co-branded travel benefits but differ significantly when it comes to other travel benefits. BOB EaseMyTrip Debit Card comes with a comparatively higher annual fee of Rs. 599, but it compensates well by offering all-round benefits across multiple categories, including travel, shopping, dining, bill payments, and more, despite being a co-branded travel card. On the other hand, Standard Chartered EaseMyTrip Credit Card justifies its overall value-back at an affordable annual fee of Rs. 350.
Overall, choosing between these two cards depends on your spending habits and whether you want to build your credit profile.
Choose Standard Chartered EaseMyTrip Credit Card if:
- You want to build credit while availing benefits on your travel spends
- You want to avail monthly travel discount on EaseMyTrip bookings
- You want to earn accelerated rewards on bookings made via standalone airline or hotel websites
Choose Bank of Baroda EaseMyTrip Debit Card if:
- You already have a savings, salary, or current account with Bank of Baroda
- You are looking for a card with broader travel and lifestyle benefits
- You are an occasional traveller, as the card offers discounts on a maximum of 2 transactions per quarter
