Standard Chartered DigiSmart Credit Card: Fees, Rewards & Benefits
Travel card
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The SC DigiSmart is a near-free subscription-style card built around discounts on Myntra, Blinkit, Zomato, Ola and INOX. With no base rewards, no lounge access and a 3.5% forex markup, its value depends entirely on heavy use of those specific platforms.
Travel card
The Bottom Line
The Standard Chartered DigiSmart is built for online lifestyle shopper and emi user. With a ₹588 annual fee that is waived on ₹5,000 yearly spend, it offers 0% rewards on myntra (shopping) and interest-free credit period. It makes the most sense if your spending matches online lifestyle shopper and emi user.
It earns a base reward rate of 1% and stacks best when your spending lines up with Online Lifestyle Shopper, EMI User. The renewal fee gets easier to justify once you can hit ₹5,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who regularly spend on Myntra, Blinkit, Zomato, Ola and INOX and want bundled discounts for a near-free INR 588 fee (waived at INR 5,000 spend).
Those who want easy EMI conversion on spends above INR 5,000 and access to a card-linked loan up to INR 5 lakh.
Probably not for
SkipAnyone wanting points on everyday spends: there is zero base earning outside partner platforms.
The 3.5% forex markup and lack of lounge access make it unsuitable for travel.
Is It Worth It For You?
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Reward Rates
Standard Chartered DigiSmart offers 1% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Discontinued (no new issuances since Dec 2022); charged Rs 49/month fee, waived on Rs 5,000 monthly spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹588 annual fee. Apply on the Standard Chartered website.
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