Standard Chartered DigiSmart Credit Card
Fees
₹49 / month
Joining & AnnualReward 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 Access
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FindMyCard 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
Editorial Verdict
The Standard Chartered DigiSmart Credit Card is ideally suited for instant merchant discounts on myntra, zomato & yatra. If you want 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), this card delivers real value. The ₹49 / month is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on cashback purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Monthly fee waived on ₹5,000 monthly retail spend
Fees & Charging Rates
Annual Fee Waivers
₹49 / month
💡 Monthly fee waived on ₹5,000 monthly retail spend
Regular Interest Charges
3.5% per month (42% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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; 1% cashback on offline spends | 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 |