Beta data. Numbers are community-sourced and may be out of date. Every value links to the issuer page — always verify before applying.

Credit Cards · India

Standard Chartered DigiSmart Credit Card

Updated 5 Jul 2026Source-linked

The Standard Chartered DigiSmart Credit Card is a entry credit card from Standard Chartered Bank, with a joining fee of ₹588 + GST.

Standard Chartered Bank logo
Standard Chartered DigiSmart Credit Card
Visa logo
  • Joining Fee₹49
  • Annual Fee₹588
  • Best Suited ForDining
  • Reward Type360 Reward Points (points)
Rewards Rate
  • Base rate 0.15%
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
Standard Chartered Bank logoSCBVisa logoplatinumentry
Calculate rewards+ CompareApply Now ↗

Rewards and Benefits

Rewards Rate
Base 0.15% on other spends.
Reward Redemption
360 Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
FREE on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Blinkit discount — 10% off at Blinkit with no minimum spend (max ₹1,000).
  • Ola cashback — 15% cashback on Ola cab bookings (max ₹600/month).
  • Yatra travel discounts — 20% off Yatra domestic flights (up to ₹750), 10% off international flights (up to ₹10,000), 25% off domestic hotels (up to ₹4,000).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.1% = ₹22/mo
  • Groceries₹8,000 · 0.1% = ₹12/mo
  • Dining & food delivery₹8,000 · 0.1% = ₹12/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.1% = ₹15/mo
  • Utilities & bills₹5,000 · 0.1% = ₹7/mo
Est.net rewards for this spend, realistic
₹222/yr

₹810 rewards − ₹588 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Standard Chartered Bank.
  • Joining / annual fee of ₹588 + GST.
  • Available on the Visa network.

Pros & Cons

Pros

No derived pros.

Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000.

Other benefits

  • Blinkit discount. 10% off at Blinkit with no minimum spend (max ₹1,000).
  • Ola cashback. 15% cashback on Ola cab bookings (max ₹600/month).
  • Yatra travel discounts. 20% off Yatra domestic flights (up to ₹750), 10% off international flights (up to ₹10,000), 25% off domestic hotels (up to ₹4,000).

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹3,60,000 p.a.
Income (self-employed)
₹3,60,000 p.a.
Tagsentrysubscriptiononlinediningmovies