EaseMyTrip Co-branded Credit Card and Debit Card Comparison: Which Is Better for Travel

EaseMyTrip has launched two co-branded cards with two different banks:

A credit card with Standard Chartered Bank
A debit card with Bank of Baroda

Both cards offer strong travel discounts on the EaseMyTrip platform, but they work very differently.

The debit card lets you spend money directly from your savings account and still save on travel.
The credit card gives you extra purchasing power, monthly discounts, and reward points that help you build your credit score.

Here is a simple comparison to help you choose the best card for your travel needs.

Co-branded Travel Benefits

Travel Discounts Comparison

Particular	Standard Chartered EaseMyTrip Credit Card	Bank of Baroda EaseMyTrip Debit Card
Domestic Hotel Bookings	Twenty percent discount	Fifteen percent discount
International Hotel Bookings	Twenty percent discount	Fifteen percent discount
Domestic Flight Bookings	Ten percent discount	Ten percent discount
International Flight Bookings	Ten percent discount	Ten percent discount
Bus Bookings	Instant discount on minimum spend	Ten percent instant discount
Activity Bookings	Not available	Ten percent instant discount
Airport Cabs & Outstation Cabs	Not available	Ten percent instant discount
Reward Points	Two points per spend on EaseMyTrip	Not available

Simple Understanding

The debit card offers discounts on more categories like buses, activities and cabs.
The credit card offers fewer categories but gives reward points on every EaseMyTrip spend.

The debit card has quarterly usage caps, while the credit card allows monthly usage.

Read More: Best Co-Brand Cedit Card

Other Travel Benefits

Particular	Standard Chartered EaseMyTrip Credit Card	Bank of Baroda EaseMyTrip Debit Card
Reward Points on Other Travel	Ten points on direct airline or hotel websites	Not available
Discount on Other Brands	Not available	Instant discount on Spree Hotels and Yolo Bus

Easy Summary

The debit card is good for users who want wide travel benefits and lifestyle deals.
The credit card is better for travellers who book directly through hotel or airline websites and want reward points.

Read More: Best Travel Credit Card

Lounge Access Benefits

Particular	Standard Chartered EaseMyTrip Credit Card	Bank of Baroda EaseMyTrip Debit Card
Domestic Lounge Access	Two visits per year	Eight visits per year
International Lounge Access	Not available	Two visits per year

Debit card clearly offers better lounge benefits, especially international access.

Read More: Best Lounge Access Credit Card

Other Lifestyle, Shopping & Membership Benefits

Standard Chartered EaseMyTrip Credit Card

Two reward points on other spends
Fee waiver on yearly spends
Monthly travel discount on EaseMyTrip

Bank of Baroda EaseMyTrip Debit Card

Free annual membership of popular apps (Prime / Zee5 / SonyLiv)
Free Gaana Plus subscription
Shopping vouchers each quarter
Discount on movie tickets
Discounts on Amazon recharge, Blinkit, Swiggy every Friday
Concierge support for travel and reservations

This makes the debit card very feature-rich beyond travel.

Which Card Should You Choose

Your ideal card depends on how you spend and what you want from a travel card.

Choose Standard Chartered EaseMyTrip Credit Card if:

You want to build or improve your credit score
You want reward points plus travel discounts
You book directly from airline or hotel websites often
You prefer monthly discount usage instead of quarterly limits

Choose Bank of Baroda EaseMyTrip Debit Card if:

You already have a Bank of Baroda savings or salary account
You want a card with benefits across travel, food, shopping and entertainment
You want strong lounge access including international lounges
You travel occasionally and do not want a credit card

Conclusion

Both EaseMyTrip cards offer good travel value, but they serve different users:

The Standard Chartered EaseMyTrip Credit Card offers better rewards and helps you build credit while saving on travel.
The Bank of Baroda EaseMyTrip Debit Card is more powerful for lifestyle users, with wide discounts, lounge access and free memberships.

If you want credit-building and monthly rewards, choose the Credit Card.
If you want maximum lifestyle and travel value without using credit, choose the Debit Card.

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