What is the annual fee for Standard Chartered DigiSmart Credit Card?

The annual fee for Standard Chartered DigiSmart Credit Card is nil (no annual fee). The fee is waived on annual spend above ₹5,000.

What is the joining fee for Standard Chartered DigiSmart Credit Card?

The one-time joining fee for Standard Chartered DigiSmart Credit Card is nil (no joining fee).

What are the rewards and benefits of Standard Chartered DigiSmart Credit Card?

Standard Chartered DigiSmart Credit Card earns cashback rewards. Reward rate ranges from 1% to 2%.

What lounge access benefits does Standard Chartered DigiSmart Credit Card provide?

Standard Chartered DigiSmart Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Standard Chartered DigiSmart Credit Card?

To be eligible for Standard Chartered DigiSmart Credit Card, you need a minimum monthly income of ₹25,000.

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Standard Chartered Bank

Standard Chartered DigiSmart Credit Card

Name: Standard Chartered DigiSmart Credit Card
Brand: Standard Chartered Bank
Availability: InStock

The Standard Chartered DigiSmart Credit Card is designed for digital lifestyle spenders with ₹49/month subscription-style billing.

Regular

CardCheck ScoreGood

Top Category Performance

Beginner & Zero Fee (94/100)

Best for: Digital lifestyle — discounts on Myntra, Zomato, Swiggy, BigBasket, Hotstar

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

1 – 2

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

GoodScore / 100

Reward Power

24/35

Fee Value & ROI

25/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Zero Fee & Starter

94/100

Cashback Spends

85/100

Online Shopping

84/100

Dining & Food

70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Standard Chartered DigiSmart Credit Card Benefits

10% off on Blinkit orders (up to ₹1,000/month)

10% off on Zomato orders with no minimum order value (up to ₹750/month)

15% cashback on Ola rides (up to ₹600/month)

Buy 1 Get 1 free on INOX movie tickets on weekends

Discount on Yatra domestic flight bookings

Discount on Yatra hotel bookings

Monthly fee of ₹49 + GST waived on ₹5,000 monthly spends

Standard Chartered DigiSmart Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1% – 2%

Earn rate

Standard Chartered DigiSmart Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining feeFree

Annual feeFree

Fee waiver on annual spend₹5,000

Interest-free period48 days

Interest rate (APR)42%

Cash advance fee3.75%

Forex markup3.5%

Fuel surcharge waiverNo

Standard Chartered DigiSmart Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

Ola bike, auto, and pool rides not included in cashback offer

Card Features

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

Standard Chartered DigiSmart Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Standard Chartered DigiSmart Credit Card Eligibility

Age21+ yrs – 65

Min. income₹25,000/month

CIBIL score700+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Excellent discount-based card for everyday online spending
Strong value for Zomato, Blinkit, Ola, and movie users
Very low effective fee due to monthly waiver condition
Good beginner-friendly lifestyle card
Partner offers provide real upfront savings instead of reward points
Useful for food delivery and local commuting spends
Weekend INOX offer is genuinely valuable for moviegoers

Cons

No airport lounge access
No strong reward points or cashback system outside partner brands
Benefits depend heavily on partner offers staying active
Monthly fee model may not appeal to all users
Forex markup is high for international spending
Limited value for users who don’t use partner apps frequently
Reward structure weaker than modern cashback cards

Who is this card for?

Digital-first millennials who consistently use Myntra, Swiggy, Zomato, and OTT platforms. The ₹49/month fee is easily offset by the platform discounts if you order food online or shop on Myntra monthly.