Standard Chartered DigiSmart Credit Card by Standard Chartered — Credit Card Image
Standard Chartered Review Verified: 2026-08-25

Standard Chartered DigiSmart Credit Card

4.5 / 5.0 Rating
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#cashback #cashback

Fees

₹49 / month

Joining & annual

Reward Rate

20% off at Myntra (up to ₹700/month); 10% off at Zomato (up to ₹150/transaction, 5x/month); 20-25% off on Yatra flights/hotels (1x/quarter per category)

Welcome Bonus

Welcome gift benefit on card activation & joining fee payment

Lounge

None

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

The Standard Chartered DigiSmart Credit Card from Standard Chartered offers Instant Merchant Discounts on Myntra, Zomato & Yatra with an annual fee of ₹49 / month.

Pros & Cons

Key Advantages

  • 20% off at Myntra, up to ₹700, once a month
  • 10% off at Zomato, up to ₹150/transaction, 5 times a month
  • Up to 25% off on Yatra flight and hotel bookings
  • Fee waiver threshold (Monthly fee waived on ₹5,000 monthly retail spend)

Limitations

  • Discounts require the DIGISMART promo code and are limited to 1 transaction/quarter per category on Yatra
  • Myntra discount is limited to once a month
  • Monthly fee structure means costs add up if the card sits unused

Key Perks & Spending Milestones

20% off at Myntra (up to ₹700/month) and 10% off at Zomato (up to ₹150/transaction, 5x/month) via the DIGISMART promo code

Up to 25% off on Yatra flight and hotel bookings, 1x/quarter per category

Monthly fee waived on ₹5,000 monthly retail spend

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Spend milestone

Monthly fee waived on ₹5,000 monthly retail spend

Fees & Charges

Joining fee

₹49 / month

Annual fee

₹49 / month

Monthly fee waived on ₹5,000 monthly retail spend

Interest rate

3.5% per month (42% per annum)

Late payment fee

Up to ₹500
Nil
₹501 to ₹1,000
₹500
₹1,001 to ₹5,000
₹600
₹5,001 to ₹10,000
₹750
₹10,001 to ₹25,000
₹900
₹25,001 to ₹50,000
₹1,100
Above ₹50,000
₹1,300

Insurance & Protection Benefits

air accident cover

Up to ₹50 Lakh

lost card liability

Up to ₹1 Lakh

purchase protection

Nil

emergency medical cover

Nil

Eligibility Criteria

salaried minimum income

₹25,000 per month

self employed ITR

₹6 Lakh per annum

age

21 to 65 years

Credit score & income

Good (730+)

Frequently Asked Questions

What discounts does Standard Chartered DigiSmart offer?
20% off at Myntra (up to ₹700/month), 10% off at Zomato (up to ₹150/transaction, 5 times a month), and up to 25% off Yatra flight and hotel bookings (once per quarter per category) — all via the DIGISMART promo code.
How is the fee structured on DigiSmart?
A monthly fee that's waived on ₹5,000 in monthly retail spend, rather than a traditional annual fee.
Does DigiSmart offer lounge access?
This isn't clearly documented in available sources — confirm directly with Standard Chartered before relying on a specific lounge benefit for this card.

Compare Standard Chartered DigiSmart Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
Standard Chartered DigiSmart Credit Card This Card ₹49 / month 20% off at Myntra (up to ₹700/month); 10% off at Zomato (up to... — 4.5/5
Cashback SBI Credit Card ₹999 + Taxes 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... No Lounge Access 4.7/5
KIWI UPI RuPay Credit Card Free Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... Domestic (Neon Spend Milestones) 4.7/5
Axis Bank ACE Credit Card ₹499 + Taxes 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... 4 Domestic/yr 4.6/5

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