Standard Chartered Yatra Platinum Card Review: Best Travel Card on the Market?

Standard Chartered Yatra Platinum Card Review: Best Travel Card on the Market?

Offers Highest Cashback on Travel Spending

Good for

  • Families
  • Frequent travellers
  • Yatra customers

Bad for

  • Students
  • Individuals that do not travel
  • Consumers that do not book trips on Yatra

Editor's Rating

4.5/5.0

Consumers interested in a credit card that will earn them the highest cashback rate for travel and hotel spending should look to the Standard Chartered Yatra Platinum Credit Card. The card offers cardholders a 10% cashback on all travel bookings made on the platform—including domestic and international flights, and hotel bookings. Additionally, the Yatra Platinum Card also offers a great perk that allows all flight cancellation fees to be waived for flights booked on Yatra. Alongside the great cashback rate offered, cardholders will also receive a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all Yatra travel bookings. This card is great for individuals who are looking for a card to use exclusively on travel bookings through Yatra.

ProsCons
  • 10% cashback on all travel and hotel bookings through Yatra
  • 0.95% on all travel spending
  • Fee waiver on flight cancellations booked on Yatra
  • 0.48% on all other spending categories
  • Not good for anything other than travel
Promotions:
  • Sign-Up Bonus: Yatra vouchers worth ₹ 4,000

What Makes The Standard Chartered Yatra Platinum Card Stand Out?

The Standard Chartered Yatra Platinum Card is the best travel card on the market for consumers who prefer to book their travels on the Yatra platform. The card offers the highest cashback of any card for the travel bookings category at 10%, when booked through Yatra. This includes domestic and international flights, and hotel bookings through Yatra. The cashback rate is capped at Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings. Additionally this cashback can be redeemed on Yatra 12 year (max 4 times per month). Along with the high cashback rate, the card offers cardholders a rewards rate of 0.95% (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all travel bookings.

A major perk associated with the SC Yatra Platinum card that should be highlighted is the flight cancellation fee waiver. This allows cardholders to cancel flights booked through Yatra’s platform without incurring additional costs. Many frequent travellers can use this perk to their advantage. However, a downside to this card is the relatively low 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) rewards rate that is offered on all other spending categories. Still, Yatra Platinum Card’s 10% cashback rate makes this the best miles card for anyone seeking a card exclusively for travel bookings.

How Does the Standard Chartered Yatra Platinum Credit Card’s Rewards Program Work?

The Standard Chartered Rewards program for the Yatra Platinum Card works as a hybrid option where cardholders are given cashback for certain categories and a general points rewards rate for all other spending categories. Cardholders receive a 10% cashback on Yatra travel bookings (barring all caps, limits and transaction restrictions). Additional to the cashback rate, the card offers 4 points per Rs. 100 spent on all Yatra travel bookings and has a redemption rate of 1 point = 0.53 InterMiles = ~ Rs. 0.24. The card also offers 2 points per Rs. 100 spent on all other spending categories with the same redemption rate. Through the 360º Rewards system used at Standard Chartered, cardholders can redeem points that expire after 3 years of receiving them with a 4,000 point cap per month.

  • 10% Cashback on all travel bookings (The cashback rate is capped at Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month)
  • 4 points per Rs. 100 spent on Yatra travel bookings
  • 2 points per Rs. 100 spent on all other spending categories
  • Points redemption rate: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Maximum 360º rewards points of 4,000 points per month
  • Cashback goes directly to statement
  • Accumulated points expire after 3 years if not used

Standard Chartered Yatra Platinum Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: Rs. 499
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-65
Rewards Rate Details
  • 1 reward points on every Rs. 150 spent
  • Points redemption rate: 1 point = 0.53 InterMiles = ~ Rs. 0.24
Benefits & Perks
  • Fee waiver on flight cancellations booked on Yatra
Promotions:
  • Sign-Up Bonus: Yatra vouchers worth ₹ 4,000

Standard Chartered Yatra Platinum Credit Card Rewards Exclusions

The following credit card expenditures are ineligible for rewards:

Cash Advances or cash withdrawals at ATMsAnnual fees charged for the cards
Interest or finance charges levied on card outstandingLate payment and collection charges
Fees and charges levied and reversed from card accountsCharges incurred but not yet submitted by the merchant or posted to your credit card account
Amounts which have been rolled over from preceding month's outstandingTax refunds from overseas purchases
Pay portion for a Points Plus Pay Rewards Points redemption (where you use Rewards Points along with paying a specific amount to redeem the reward)Balance transfer to your Card Account, purchase or top up of prepaid cards.

How Does Standard Chartered Yatra Platinum Credit Card Compare Against Other Cards?

Read our comparisons of the Standard Chartered Yatra Platinum Credit Card:

Standard Chartered Yatra Platinum Card vs. Standard Chartered Ultimate Card

Consider this if you want high cashback earnings for all spending categories

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Ultimate Card and Standard Chartered Yatra Platinum Card are both great cards that offer great cashback to cardholders. The SC Ultimate Card offers cardholders with an excellent 3.33% (5 points per Rs. 150 spent; 1 point = Rs. 1), the highest overall cashback rewards rate in the market for general spending. On the other hand, the SC Yatra Platinum Card offers cardholders a 10% cashback rate on all travel bookings made on the Yatra platform, which is the highest travel-specific cashback rate. On top of this, the cardholder will receive an additional 0.95% (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all travel bookings made on Yatra.

However, the Yatra Platinum card earns cardholders a rewards rate of 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all spending categories making it significantly weaker than the SC Ultimate on a holistic level. Additionally, the Yatra card offers cardholders waivers on all flight cancellations booked through Yatra. For consumers looking for a versatile cashback option, the SC Ultimate Card is a better fit; however, for those looking for a card to use exclusively for travel, we would recommend the SC Yatra Platinum Card.

Standard Chartered Yatra Platinum Card vs. JetPrivilege HDFC Bank Diners Club Card

Consider this if you are interested in a primary card to also use for travelling rewards

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer

The JetPrivilege HDFC Bank Diners Club Card is the best travel rewards card for general spending and consumers who prefer to book flights on either Etihad Airways or the Intermiles platform. The JetPrivilege Card offers cardholders with a rewards rate of 4.8% (16 points per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) for all bookings made on the InterMiles platform. This points rewards rate is higher than the 0.95% (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) that is offered on the Standard Chartered Yatra Platinum Card. However, the Yatra Platinum Card also offers a 10% cashback rate on Yatra bookings (including hotel bookings), making the overall earnings more attractive for travel bookings between both cards. The JetPrivilege HDFC Card also offers cardholders a rewards rate of 2.4% (8 points per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) across all spending categories, which is higher than the 0.48% rewards rate (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) offered by the SC Yatra Platinum Card across all spending categories.

Furthermore, the JetPrivilege Card also offers a specialized 6.0% rewards rate (20 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all Etihad Airways bookings with an additional 5% discount on economy ticket and 10% discount on business class ticket bookings. Additionally, high spenders can increase the annual rewards offered on spends of Rs. 150,000 within 90 days of issuance. The Yatra Platinum Card offers cardholders waivers to cancel any Yatra booked flight with no fees. The JetPrivilege Card is a great for those looking for an card that offers great travel rewards and a solid rate across all spending categories, but those interested in a card exclusively for travel rewards then the SC Yatra Platinum Card is the one for you.

Standard Chartered Yatra Platinum Card vs. Yatra SBI Card

Consider this if you are interested in Yatra vouchers rather than cashback

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Yatra SBI Card is a good option for those interested in acquiring a card to use on their travel expenses due to the significant discounts offered on Yatra. For instance, the card offers cardholders with 6 discounts of up to 20% off flight and hotel bookings on Yatra each year. The SC Yatra Platinum Card offers cardholders a 10% cashback on all travel spends done on Yatra—including domestic and international flights, and hotel bookings. Along with this, the card offers a 0.95% rewards rate on all travel bookings made on the Yatra platform. The Yatra SBI Card, on the other hand, offers cardholders a lower rewards rate of 0.25% (1 point per Rs. 100, 25% redemption rate for Yatra vouchers).

However, the Yatra SBI Card provides a better rewards rate on certain categories. For instance, the card earns a 1.5% rewards rate (6 points per Rs. 100 spent, 25% redemption rate for Yatra vouchers) on retail and grocery stores, and on dining, movies, entertainment and international transactions. This is much higher than the 0.48% rewards rate (2 points per Rs. 100, 1 reward point = 0.53 InterMiles) that the Yatra Platinum Card earns on all other spending categories. The Yatra SBI Card is good for individuals interested in Yatra discounts and are looking for a more versatile card for overall rewards. However, for consumers seeking out a card exclusively for travel spending it would be wise to get the Standard Chartered Yatra Platinum Card due to the great cashback rate.

Standard Chartered Yatra Platinum Card vs. Air India SBI Signature Card

Consider this if you are a frequent flyer and prefer to fly Air India

Age Requirement 21-60
Annual Income Requirement None listed by issuer

The Air India SBI Signature Card is an excellent travelling option for consumers that prefer to fly Air India due to the 13.5% rewards rate (30 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. 0.45) it offers on Air India bookings, the highest airline specific rewards rate in the market. This is higher than the 10% cashback offered by the Yatra Platinum Card and remains higher even when taking the 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) into account. However, the Air India rate is a less versatile option, whereas the Yatra Platinum Card rewards rates are applicable to the entire Yatra platform and the cashback rate is applicable to hotel spends as well.

The Air India SBI Signature Card; however, offers a higher general spending rate than the Yatra Platinum Card at 1.8% (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. 0.45) compared to 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles). In sum, the Air India SBI Signature Card is a great option for consumers who are interested in a travel rewards card with excellent Air India rewards and solid overall rates; however, if you are interested in travel exclusively and have no airline preference then the Standard Chartered Yatra Platinum Card is a better choice.