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Standard Chartered India DigiSmart Credit Card

Standard Chartered India

Annual / renewal fee

  • ₹49 per month (levied as a monthly fee; Year 1 and Year 2 onwards monthly fee ₹49).
  • DigiSmart card is complimentary for qualified premium segment customers.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Earn rate

  • No reward points are awarded on spends.
  • Benefits are merchant discounts/cashback: Ola - 15% cashback on cab rides (paid via DigiSmart card).
  • Zomato - 10% instant discount up to ₹150 per transaction, 5 transactions per calendar month, no minimum spend.
  • Blinkit - 10% instant discount up to ₹1,000 per calendar month, 5 transactions/month.
  • Yatra - 20% instant discount on domestic flights (max ₹750), 10% on international flights (min txn ₹20,000, max ₹10,000), 25% on domestic hotels (max ₹4,000), 1 transaction per quarter each, code DIGISMART.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sc.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sc.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

DigiSmart Credit Card by Standard Chartered India. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

  • ₹49 monthly fee (the card is billed a monthly fee, not a separate joining fee).
  • Charged every month starting with the first statement.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Annual / renewal fee

  • ₹49 per month (levied as a monthly fee; Year 1 and Year 2 onwards monthly fee ₹49).
  • DigiSmart card is complimentary for qualified premium segment customers.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Fee waiver

  • Monthly fee of ₹49 is waived (reversed within 90 days of fee levy) if spends exceed ₹5,000 in the next calendar month of fee levy.
  • Applies to primary and supplementary card.
  • Annual fee waiver subject to ₹5,000 spends in next calendar month of fee levy.

VerifiedDigiSmart Credit Card product page18 Aug 2026, 10:14 PM ISTStandard Chartered India

Rewards

  • No reward points are awarded on spends.
  • Benefits are merchant discounts/cashback: Ola - 15% cashback on cab rides (paid via DigiSmart card).
  • Zomato - 10% instant discount up to ₹150 per transaction, 5 transactions per calendar month, no minimum spend.
  • Blinkit - 10% instant discount up to ₹1,000 per calendar month, 5 transactions/month.
  • Yatra - 20% instant discount on domestic flights (max ₹750), 10% on international flights (min txn ₹20,000, max ₹10,000), 25% on domestic hotels (max ₹4,000), 1 transaction per quarter each, code DIGISMART.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM IST

Redemption value

  • Cashback will be processed within 60 days from the end of the month in which the transaction was done.
  • All cashbacks are capped at customer level (primary and supplementary jointly).
  • To avail discounts, cardholder must enter E-Coupon 'DIGISMART' on the merchant App/Website.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Reward cap

  • Ola: max cashback ₹600 per calendar month.
  • Zomato: instant discount not exceeding ₹150 per transaction, 5 transactions per calendar month.
  • Blinkit: 10% discount subject to max ₹1,000 per calendar month, 5 transactions per calendar month.
  • Inox: max discount ₹200 per transaction, 2 transactions per calendar month.
  • Yatra domestic flight max ₹750, international flight max ₹10,000, domestic hotel max ₹4,000 (each 1 transaction per quarter).
  • All cashbacks capped at customer level (primary and supplementary jointly).
  • Discounts capped at card level.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Reward exclusion

cab ridesexcluding bikesauto and share ride types; not available on loading or recharging the Ola Wallet; NRE account holders not eligible for the cashback. The bank shall not award reward points on spends made on the card

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

  • Get up to 25% off on travel bookings at Yatra: 20% discount on domestic flights (max discount ₹750), 10% discount on international flights (max discount ₹10,000), 25% discount on domestic hotels (max discount ₹4,000).
  • Use promo code DIGISMART.
  • Offer valid for 1 transaction per quarter, per category.

VerifiedDigiSmart Credit Card — official card page18 Aug 2026, 10:14 PM ISTStandard Chartered India

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Dining benefit

  • Get 10% discount on Zomato food orders with no minimum spends.
  • Valid for 5 transactions per month with a maximum discount of ₹150 per transaction.
  • Use promo code DIGISMART.

VerifiedDigiSmart Credit Card — official card page18 Aug 2026, 10:14 PM ISTStandard Chartered India

Insurance

  • Complimentary insurance is provided by Standard Chartered Bank only on the Standard Chartered Priority Visa Infinite credit card and Ultimate credit card (and Beyond credit card) - not stated for DigiSmart.
  • Cash-back/merchant credit amount is reflected as a credit in the card statement and adjusted against card outstanding.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Milestone benefit

  • Inox: Buy 1 and Get 1 on movie tickets purchased on the INOX platform for shows on Saturdays and Sundays (weekend).
  • Available only twice in a calendar month.
  • 2 transactions per card every calendar month subject to maximum discount of ₹200 per transaction.
  • No minimum spend required.

VerifiedDigiSmart Credit Card – Product Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Eligibility

Eligibility

  • Supplementary/add-on cards may be issued (number varies across card variants at the Bank's sole discretion).
  • Benefits on the card are personal to the cardholder and non-transferable.
  • Existing SCB credit card owners can also apply for the DigiSmart card.

VerifiedDigiSmart Credit Card – Product Terms & Conditions2 Aug 2026, 8:55 PM ISTStandard Chartered India

Charges & interest

Forex markup

  • 3.5% transaction fee on all overseas transactions (includes charges paid to Visa/Master for converting overseas transactions into INR).
  • Transactions at merchant establishments registered overseas, even if the merchant is located in India, attract a charge of 1% from Visa/MasterCard.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Charge

  • Monthly fee: ₹49.
  • APR 45% (3.75% per month) for all SC credit cards.
  • Cash transactions 3.75% pm (45% APR).
  • Late payment charges (w.e.f. 1 May 2024): ₹0 up to ₹100 outstanding.
  • ₹100 for ₹101-500.
  • ₹500 for ₹501-5,000.
  • ₹700 for ₹5,001-10,000.
  • ₹1,200 above ₹10,000.
  • Plus ₹100 late fee if minimum amount due not received for 2+ consecutive months.
  • Cheque bounce charges: ₹500.
  • Over limit charges: ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
  • Card replacement fee: NIL.
  • Rewards handling charges: ₹99.
  • Cash advance fee: 3% of withdrawal amount, minimum ₹300.
  • Overseas transactions: 3.5% transaction fee (transactions at merchants registered overseas even if located in India attract 1% from Visa/MasterCard).
  • Rental payments (w.e.f. 2 April 2023): 1% processing fee on transaction amount + applicable taxes (MCC 6513).
  • Fuel surcharge: ₹10 or 1% of transaction whichever is higher (MCC 5172, 5541, 5542, 5983).
  • Cheque/cash pick up fee: ₹100 for overdue card accounts.
  • Cash repayment fee: ₹299 for cash payment of card bills at any SC branch.
  • Paper statement fee: ₹99 per month if opting for both paper and electronic statement.
  • Branch service handling charges: ₹199.
  • Phone banking self service IVR calls: FREE.
  • GST applicable over and above charges.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Fuel surcharge waiver

  • Fuel surcharge: INR 10 or 1% of transaction (whichever is higher) on fuel transactions (MCC 5172, 5541, 5542, 5983).
  • Rate may vary depending on acquiring bank of the merchant.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Interest-free period

  • Interest-free credit period can range from 18-48 days to 25-55 days depending on your payment due date (payment due date is between 18 and 25 days after the statement date).
  • The interest-free period does not apply for cash advances and revolving balances.

VerifiedStandard Chartered India – Credit Cards General Terms & Conditions18 Aug 2026, 10:14 PM ISTStandard Chartered India

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the DigiSmart Credit Card?

Officially traced: Rs. 49 per month (levied as a monthly fee; Year 1 and Year 2 onwards monthly fee Rs. 49).

Standard Chartered India – Credit Cards General Terms & Conditions

What is the joining fee on the DigiSmart Credit Card?

Officially traced: Rs. 49 monthly fee (the card is billed a monthly fee, not a separate joining fee).

DigiSmart Credit Card – Product Terms & Conditions

Is the DigiSmart Credit Card annual fee ever waived?

Monthly fee of Rs. 49 is waived (reversed within 90 days of fee levy) if spends exceed Rs. 5,000 in the next calendar month of fee levy; applies to primary and supplementary card.

DigiSmart Credit Card product page

How does the DigiSmart Credit Card earn rewards?

No reward points are awarded on spends.

DigiSmart Credit Card – Product Terms & Conditions

What are the transfer ratios for DigiSmart Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageStandard Chartered India – Credit Cards General Terms & ConditionsDigiSmart Credit Card — official card pageDigiSmart Credit Card – Product Terms & ConditionsDigiSmart Credit Card — official card page

Official terms

https://www.sc.bank.in/credit-cards/digismart-card/.

VerifiedDigiSmart Credit Card product page18 Aug 2026, 10:14 PM ISTStandard Chartered India

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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