Standard Chartered Bank
Standard Chartered DigiSmart Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
1% – 2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
1% – 2%
Earn rate
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026