Standard Chartered DigiSmart Credit Card

Name: Standard Chartered DigiSmart Credit Card
Brand: Standard Chartered
Price: 49 INR
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

Standard Chartered's DigiSmart Credit Card takes an unconventional approach to fees. Instead of charging a lump sum annually, it bills ₹49 per month. This monthly charge gets waived automatically if you spend ₹5,000 or more in the following calendar month. For anyone spending ₹5,000 monthly on groceries and food delivery alone, the card effectively costs nothing to hold.The card's primary value comes from exclusive merchant partnerships. Blinkit gives 10% off with no minimum spend, capped at ₹1,000 per month across 5 transactions. Zomato orders also get 10% off with a ₹150 cap per transaction and 5 monthly uses. Ola cab rides earn 15% cashback, maxing out at ₹600 per month. All Blinkit, Zomato, and Yatra discounts require the promo code DIGISMART at checkout.Weekend entertainment and travel round out the benefits. INOX runs a buy one get one deal on movie tickets every Saturday and Sunday, limited to 2 bookings per month with a ₹200 cap per transaction. Yatra gives 20% off domestic flights (up to ₹750), 10% off international flights (up to ₹10,000), and 25% off domestic hotels (up to ₹4,000), each valid once per quarter.Eligibility starts at ₹50,000 monthly income with an age range of 21 to 65 years. The card runs on Visa with contactless tap-and-pay support, and a virtual card number gets issued instantly after approval for immediate online use. Supplementary cards carry the same ₹49 monthly fee with identical waiver conditions.

Pros

↑₹49 monthly fee gets waived on ₹5,000 monthly spend, making the card effectively free for regular online shoppers
↑Combined merchant discounts on Blinkit, Zomato, Ola, INOX, and Yatra can save over ₹30,000 annually at maximum usage
↑Virtual card issued instantly after approval lets you start using discounts immediately without waiting for physical delivery

Cons

↓No traditional reward points on general spending, so purchases outside partner merchants earn minimal value
↓Discount caps are relatively low: ₹1,000/month on Blinkit, ₹150/transaction on Zomato, ₹600/month on Ola
↓No airport lounge access, travel insurance, or concierge services, limiting appeal for frequent travelers

Key Highlights

Welcome Offer
10% off at Blinkit and Zomato, no minimum spend
10% off Blinkit: 5 txns/month, ₹1,000 cap/month
10% off Zomato: 5 txns/month, ₹150 cap/txn
Use promo code DIGISMART at checkout
No minimum order value required

Reward Rate
BOGO INOX ticket and 15% Ola cashback
Buy 1 get 1 movie ticket at INOX on Sat/Sun
2 INOX transactions per month, ₹200 cap each
15% Ola cashback, max ₹600 per month
Ola excludes bike, auto, and pool rides

Minimum Salary
₹50,000 monthly income required
Age: 21 to 65 years for primary cardholder
Add-on cardholder: 18 years or above
Must reside in SC credit card sourcing cities

Joining Fee
₹49/month (no annual fee)
No traditional annual or joining fee
Monthly charge of ₹49 on primary card
Supplementary card also ₹49 per month
GST applicable on all fees

Annual Fee
₹49/month (waived on ₹5,000 spend)
Spend ₹5,000 in the next calendar month
Fee reversal within 90 days of levy
Same waiver condition for supplementary card
Card is effectively free for regular users

Why Choose?
20% off domestic flights on Yatra
20% off domestic flights, up to ₹750
10% off international flights, up to ₹10,000
25% off domestic hotels, up to ₹4,000
1 booking per quarter per category

Key Benefits

Cashback

★3.0

▼

15% cashback on Ola cab rides, maximum ₹600 per month
Excludes Ola bike, auto, and pool rides
Other card benefits are discounts, not direct cashback
No general spend cashback on purchases
Cashback limited to Ola platform only

Dining

★3.0

▼

10% off on Zomato food delivery orders only
No discount at in-restaurant dining or dine-in payments
Maximum ₹150 discount per Zomato transaction
5 qualifying transactions per month on Zomato
No dining privileges or restaurant membership programs

Food Delivery

★4.0

▼

10% off on Zomato food orders with no minimum spend
5 transactions per month with ₹150 cap per transaction
Maximum monthly savings of ₹750 (₹9,000 annually)
Apply promo code DIGISMART at checkout
Covers all food categories on Zomato

Grocery

★4.0

▼

10% off at Blinkit with no minimum spend required
5 transactions allowed per month
Maximum monthly discount of ₹1,000 (₹12,000 annual savings)
Promo code DIGISMART must be applied at checkout
Covers all grocery items on the Blinkit platform

Lifestyle

★3.5

▼

BOGO movie ticket at INOX cinemas on Saturdays and Sundays
2 INOX transactions per month with ₹200 maximum discount each
15% Ola cab cashback for daily commute (up to ₹600/month)
Virtual card for instant online shopping after approval
Digital payment support: BharatQR, BBPS, Samsung Pay

Reward Points

★2.5

▼

Standard 360 degree rewards program by Standard Chartered
Reward points redeemable through online catalog
No accelerated earning rate on any spending category
₹99 handling charge applies per reward redemption
Card's primary value is through merchant discounts, not reward points

Shopping

★3.5

▼

Card positioned for online shopping with multiple merchant discounts
No accelerated reward points on general online or offline purchases
Benefits concentrated on specific partner platforms only
EMI conversion available on purchases above ₹5,000
360 degree rewards program allows point redemption on online catalog

Travel

★3.0

▼

20% off domestic flights on Yatra (up to ₹750 per booking)
10% off international flights on Yatra (up to ₹10,000 per booking)
25% off domestic hotel bookings on Yatra (up to ₹4,000 per booking)
Each category limited to 1 transaction per quarter
No airport lounge access or travel insurance included

Detailed Information

Joining Fee	No joining fee (₹49 monthly charge applies)
Annual Fee	No annual fee (₹49 monthly charge instead)
Annual Fee Waiver	Monthly fee waived on ₹5,000 spend in the following calendar month
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or sum of installments + interest + fees + 1% of principal, or ₹250, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹0 for up to ₹100, ₹100 for ₹101-500, ₹500 for ₹501-5,000, ₹700 for ₹5,001-10,000, ₹1,200 for above ₹10,000
Overlimit Charges	₹500 per instance or 2.5% of overlimit amount (minimum ₹500)
Cash Advance Fee	3% of withdrawal amount (minimum ₹300)
Balance Transfer Fee	Transfer up to ₹5,00,000 from other bank cards at promotional interest rate
Fee For Supplementary Card	₹49 per month (waived on ₹5,000 monthly spend)
Card Replacement Fee	₹250 per replacement
Fee For Duplicate Statement	₹125 per statement (if more than one month old)
Fee For Cheque Bounce	₹500 per instance

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹6 lakh per annum (₹50,000 per month)
Minimum Annual Income Self Employed	₹6 lakh per annum
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Passport Voter ID Card Government ID with photo
Address Proof	Aadhaar Card Passport Driving License Voter ID Card NREGA Job Card
Income Proof Salaried	Latest 1 month salary slip 1 recent passport-sized photograph
Income Proof Self Employed	Latest IT Returns with computation of income Certified financials or business continuity proof 1 recent passport-sized photograph

Frequently Asked Questions

The DigiSmart card has no annual fee. Instead, it charges ₹49 per month, which gets waived if you spend ₹5,000 or more in the following calendar month. The fee appears on every monthly statement starting from the first billing cycle.

If your monthly statement includes a ₹49 fee, you need to spend ₹5,000 or more in the next calendar month to get it reversed. The reversal appears within 90 days. For example, if January's statement carries the fee, spending ₹5,000 or more in February triggers a reversal in your April statement.

You get 10% off on Blinkit orders with no minimum spend. Use the promo code DIGISMART at checkout. The offer allows 5 transactions per month, with a maximum discount of ₹1,000 per month.

Zomato food orders get 10% off with no minimum spend when you apply the promo code DIGISMART. This is valid for 5 transactions per month, with a maximum discount of ₹150 per transaction.

The card gives a buy one get one movie ticket deal at INOX cinemas every Saturday and Sunday. No promo code is needed. The offer allows 2 transactions per month with a maximum discount of ₹200 per transaction. Pay using your DigiSmart card on the INOX website or app.

Yatra gives 20% off on domestic flights (up to ₹750), 10% off on international flights (up to ₹10,000), and 25% off on domestic hotel bookings (up to ₹4,000). Each category allows 1 transaction per quarter. Apply the promo code DIGISMART at checkout.

Ola cab rides earn 15% cashback with a maximum of ₹600 per month. No promo code is required. The offer applies to all cab rides except Ola bike, auto, and pool rides.

Use the promo code DIGISMART for discounts on Blinkit, Zomato, and Yatra. For INOX and Ola, no promo code is needed. Simply pay using your DigiSmart credit card to activate those benefits.

Yes, you can get a supplementary card for a family member. The supplementary card carries the same merchant discount benefits as the primary card.

The supplementary card also has a monthly fee of ₹49. This gets waived if the supplementary cardholder spends ₹5,000 or more in the following calendar month, with the same reversal timeline as the primary card.

You need a minimum monthly income of ₹50,000 (₹6 lakh annually). You must also reside in a city where Standard Chartered sources credit cards.

The primary cardholder must be between 21 and 65 years old. Add-on cardholders need to be at least 18 years of age.

The DigiSmart Credit Card runs on the Visa network, accepted at all Visa merchants worldwide.

Yes, the card supports contactless payments. You can tap and pay at terminals that accept Visa contactless for quick checkout without entering a PIN on small transactions.

Cash advances incur a fee of 3% of the withdrawal amount, with a minimum charge of ₹300. Interest is charged from the date of the cash advance at 3.75% per month (45% APR).

All overseas transactions carry a 3.5% markup on the transaction amount. This includes charges from Visa for converting foreign currency transactions to INR.

Yes, purchases above ₹5,000 can be converted to EMI through the Kuch Bhi on EMI facility via SC Mobile app or online banking. Flexible tenure options and attractive pricing are available.

Late payment charges vary by outstanding balance: ₹0 for up to ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, and ₹1,200 for above ₹10,000. An additional ₹100 applies if the minimum due is unpaid for 2 or more consecutive months.

The monthly interest rate is 3.75%, which translates to an annualized percentage rate (APR) of 45%. Interest applies on unpaid balances and cash advances from the transaction date.

Yes, a virtual DigiSmart card with a unique card number, CVV, and expiry date is issued instantly after approval. You can store it on your smartphone and start using it for online shopping immediately, without waiting for the physical card.

Yes, existing Standard Chartered credit cardholders can apply for and hold a DigiSmart card alongside their other SC cards.

Transactions with Merchant Category Code (MCC) 6513, classified as rental payments, incur a processing fee of 1% of the transaction amount plus applicable taxes. This fee is over and above any charges applied by the merchant.

You need identity proof (passport, voter ID, or government ID), PAN card (mandatory), address proof (Aadhaar, passport, driving license, or voter ID), and one passport-sized photograph. Salaried applicants need one month's salary slip. Self-employed applicants need IT returns and business continuity proof.

The minimum amount due is the higher of: 5% of the statement outstanding, or the sum of installments plus interest plus fees plus 1% of principal, or ₹250. Any unpaid minimum from the previous month adds to the current minimum due.

The over-limit fee is ₹500 per instance or 2.5% of the over-limit amount, whichever is higher, with a minimum charge of ₹500.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons