Standard Chartered DigiSmart Credit Card
The Standard Chartered DigiSmart Credit Card is an entry-level digital lifestyle card that provides fixed discounts and cashbacks on major online shopping and delivery apps with a ₹49/month fee (waived on spending ₹5,000+ per calendar month).
Cashback Fit Score
95/100
Joining Fee
Free
Annual Fee
₹588
Reward Rate (%)
0 – 20
Statement credit
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
4/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
Standard Chartered DigiSmart Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
0% – 20%
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
₹49/month (waived on spending ₹5,000 or more in a calendar month)
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹5,000/mo (₹60,000/yr), your ₹588 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Standard Chartered DigiSmart Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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.
Quick Links
Data last updated 4 Sept 2026
Calculate your exact earnings with Standard Chartered DigiSmart Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.