1. PNB EMT RuPay Platinum Credit Card
Key Features:
- Joining Fee: ₹2,000 + GST (Annual fee waived on spending ₹1 lakh).
- Welcome Benefits: 300 Reward Points + ₹3,000 worth of flight, hotel, and holiday vouchers.
- Travel Discounts:
- 10% off on Domestic Flights (up to ₹1,000).
- 10% off on International Flights (up to ₹500).
- 20% off on Domestic Hotels (up to ₹5,000).
- 20% off on International Hotels (up to ₹10,000).
- Airport Lounge Access:
- 8 free domestic visits/year.
- 2 complimentary international lounge visits/year.
- Fuel Surcharge Waiver: 1% on transactions between ₹500 and ₹4,000 (max ₹250 per billing cycle).
- Bus Bookings: ₹125 off on bus tickets (min spend ₹500).
- Insurance Coverage: ₹2 lakh for accidental death and disability.
2. Standard Chartered EaseMyTrip Credit Card
Key Features:
- Joining Fee: ₹350 + GST (Annual fee waived on spending ₹50,000).
- Rewards Program:
- 2 Reward Points per ₹100 on retail purchases.
- 10x points on bookings via EaseMyTrip.
- 1 Reward Point = ₹0.25 (redeemable for gift vouchers/products).
- Travel Discounts: Offers for hotel and ticket bookings.
- Airport Lounge Access: 2 complimentary domestic lounge visits/year.
- Fuel Surcharge Waiver: 1% on fuel transactions across India.
Card Comparison:
| Features | PNB EMT RuPay Platinum | Standard Chartered EaseMyTrip |
|---|---|---|
| Joining Fee | ₹2,000 + GST | ₹350 + GST |
| Welcome Benefits | ₹3,000 voucher + 300 RP | N/A |
| Airport Lounge Access | 8 domestic & 2 international/year | 2 domestic/year |
| Fee Waiver | Spend ₹1 lakh/year | Spend ₹50,000/year |
Which One Should You Pick?
- Frequent Travelers: The PNB EMT RuPay Platinum Credit Card offers superior travel perks, more lounge access, and higher discounts on hotels.
- Budget-Conscious Users: The Standard Chartered EaseMyTrip Credit Card is affordable and ideal for moderate travelers looking for rewards and basic benefits.