Standard Chartered Digismart Credit Card
Standard Chartered Bank
Expert Rating
₹588
₹49
2%
No lounge access
Contents
The Standard Chartered DigiSmart Credit Card is an entry-to-mid-level digital-first card aimed at frequent online shoppers and app users. It offers category discounts and cashback on popular digital merchants (Myntra, Zomato, Ola etc.), a low nominal monthly fee and a virtual card option for immediate online use. The card suits cost-conscious consumers who want targeted digital offers rather than premium travel perks.
Features of Standard Chartered Digismart Credit Card which makes it unique
Digital-First Rewards
Offers and discounts focused on popular e-commerce and app merchants
High value for regular digital shoppers
Better partner discounts than many basic entry-level cards
Rewards Structure of Standard Chartered Digismart Credit Card
Online Shopping
baseSelected partners (Myntra etc.)
Partner discounts and caps depend on merchant offers and monthly limits; check bank offers for current caps.
Cab Rides
baseOla rides
Cashback on app-based cab bookings as per current partner offer T&Cs.
Food Delivery
baseSelected partners (Zomato etc.)
Offers rotate and are subject to merchant and bank terms.
Base Reward
baseAll other spends
If no higher category applies, base reward applies. Always check specific merchant exclusions in card T&Cs.
Milestones of Standard Chartered Digismart Credit Card
Promotional Spend Bonus
Varies by offer : Occasional cashback or gift vouchers during campaign periods
Fees & Charges of Standard Chartered Digismart Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 49% |
| Annual Fee | ₹588 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No separate waiver; nominal monthly fee applies which effectively covers annual charges. Check the card T&Cs for any spend-based waivers or promotional waivers.
Fee Explanation Digismart typically charges a nominal monthly fee (₹49) billed monthly (≈₹588/year). Foreign exchange markup is commonly 2% on overseas spends (bank T&C). Specific fees and any promotional waivers vary by offer; always check the bank’s latest fee schedule and product T&Cs before applying. Some aggregator pages confirm the monthly fee and forex markup. {index=0}
Lounge Access Benefits with Standard Chartered Digismart Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Digismart is focused on digital offers; airport lounge access is not a standard benefit for this card.
Insurance Coverage with Standard Chartered Digismart Credit Card
Purchase Protection
₹20,000Limited purchase protection on eligible transactions; check bank T&C for exact coverage and claim process.
Additional Features of Standard Chartered Digismart Credit Card
Virtual DigiSmart Card
Instant virtual card on approval for immediate online use
Available to primary cardholder; activation via SC mobile or web portal.
Contactless Payments
Tap-to-pay enabled
Welcome Bonus with Standard Chartered Digismart Credit Card
Welcome Bonus: cashback
Bonus Conditions: Offer applies to qualified customers as per Standard Chartered’s Welcome Offer T&Cs; cashback subject to minimum online spend and offer period. See bank terms for exclusions and validity. (Official T&Cs referenced).
Application Process for Standard Chartered Digismart Credit Card
Processing Time
3-10 business days (subject to verification and pre-approval status)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Standard Chartered product page or Finanjo portal
Upload KYC and income documents
Bank completes verification and underwriting
Virtual card issued on approval; physical card dispatched within 7–10 days
Required Documents for Standard Chartered Digismart Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Standard Chartered Digismart Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India where Visa is accepted
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes — virtual card for online use
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Standard Chartered Digismart Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC (Aadhaar / passport / utility bill) required; must be an Indian resident. Pre-approved offers may have different criteria per bank communications. :contentReference[oaicite:1]{index=1}
How Approval Is Decided
- Minimum age 18 and Indian residency
- Satisfactory KYC (PAN, Aadhaar etc.)
- Minimum income and acceptable credit profile (typical score 650+)
Pros of Standard Chartered Digismart Credit Card
- Attractive partner discounts for online shopping and cab rides
- Low nominal monthly fee suited for cost-conscious users
- Instant virtual card for online purchases
Cons of Standard Chartered Digismart Credit Card
- Benefits primarily digital; not suited for travel/luxury airport lounge seekers
- Partner offers have monthly caps and rotating T&Cs
- Limited or no milestone-based premium rewards
Frequently Asked Questions about Standard Chartered Digismart Credit Card
Is there a joining fee or annual fee for the Digismart card?
Digismart typically levies a nominal monthly fee (₹49) which is billed monthly (≈₹588/year). Promotional waivers may apply; check Standard Chartered’s fee schedule. :contentReference[oaicite:3]{index=3}
What is the current welcome offer on the Digismart card?
Standard Chartered has previously offered a flat ₹1,000 cashback welcome offer on qualifying online spends; eligibility and offer period are defined in the bank’s welcome offer T&Cs. Confirm current offers on the official bank page. :contentReference[oaicite:4]{index=4}
Which merchants give the best discounts on Digismart?
Key partners historically include Myntra (≈20% off), Ola (≈15% cashback up to a monthly cap) and Zomato (≈10% discounts); offers and caps change, so always check the active partner offers in the SC offers portal. :contentReference[oaicite:5]{index=5}
Does the Digismart card offer airport lounge access?
No. Digismart is a digital-focused card and does not typically include complimentary airport lounge access as a standard benefit. Premium SC cards cover lounges, not Digismart. :contentReference[oaicite:6]{index=6}
Can I get a virtual card instantly after approval?
Yes. Standard Chartered provides a Virtual DigiSmart Card that can be used immediately for online purchases once issued. :contentReference[oaicite:7]{index=7}
What is the forex markup for the Digismart card?
Public sources and SC product pages indicate a forex markup commonly around 2% for Standard Chartered cards; check the bank’s latest forex fees page for exact current rates. :contentReference[oaicite:8]{index=8}
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