Standard Chartered India DigiSmart Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns cashback
Annual fee
₹49 a year.
INR 49 per monthWhat it gives back
1% cashback · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual fee
₹49 a year.INR 49 per month
Fee waiver rule
Fee waived if you spend ₹5000.
Add-on card fee
₹49.INR 49 per month which is waived on monthly spends of INR 5000 in the next calendar month of fee levied
Rewards
Reward rate
1% cashback · everyday spendsFlat 2% cashback on online spends and 1% cashback on other spends.
Online earning
Flat 2% cashback on online spends.
Travel earning
15% cashback on Ola cab bookings, with a maximum cashback of ₹600 per month
Card benefits
Hotel or travel programme
25% discount on domestic hotel bookings upto ₹4,000
Hotel or travel programme
20% discount at Yatra on domestic flights upto ₹750 and a 10% discount on international flights upto ₹10,000
Dining programme
10% discount on Zomato orders with no minimum spend
Movie or entertainment ticket benefit
Buy One Get One (BOGO) movie ticket free at INOX on Saturdays and Sundays.
Also included
Surcharge on railway tickets
₹25 or 2.5% of transaction (whichever is higher) on Railway transactions; the rate of surcharge may vary depending on acquiring bank.
Add-on card eligibility
Minimum age for add-on cardholder is 18 years
Balance transfer terms
Transfer card balance upto ₹5,00,000 from other bank credit card at attractive interest rate
Purchase to EMI conversion
Convert your big spends above ₹5,000 to easy EMI with Kuch Bhi on EMI through online banking or SC Mobile.
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
1%1% charge from Visa/ MasterCard on transactions at merchant establishments that are registered overseas, even if the merchant is in India; included as a part of the transaction amount in your statement
Cash advance fee
3% of cash withdrawal amount subject to a minimum of ₹300
Interest on unpaid balance
Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00%.
Interest-free period
18-48 days to 25-55 days depending on your Payment Due Date
Late payment fee
₹0 to ₹1,200 by statement balance (₹1,200 above ₹10,000)
Payment return or dishonour fee
₹500 will get debited towards cheque bounce charges.
Statement or duplicate statement fee
₹99/- per month for paper statement in case the customer opts for both, a paper statement and an electronic statement.
Cash payment / cash deposit fee
₹299 /- will be charged for making payment of credit card bills by depositing cash at any Standard Chartered Bank branch.
Reward redemption fee
₹99 will be charged towards handling and courier charges for redemption of reward points.
Rent transaction fee
Processing fee of 1% (plus taxes) on all rental transactions
GST note
Goods and Services Tax (GST) at prevailing rates is applicable on all taxable supplies
Minimum amount due
Higher of (a) 5% of statement outstanding or (b) sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or (c) ₹250.
Eligibility
Income requirement
Minimum monthly income of ₹50,000 is required
Minimum age
Between 21 and 65 years.
Documents required
Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Interest free credit period will be lost if a cardholder makes partial payment or does not clear the total amount due within the payment due date; interest may be levied from the date of transaction
How we know - 7 documents from Standard Chartered India, checked 19 Oct 2026
₹49 a year
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