Standard Chartered DigiSmart Credit Card Review 2026

Standard Chartered DigiSmart Credit Card

Joining Fee

₹0

One-time

Annual Fee

₹588

Per year

Top Reward Rate

High Value

Uncapped rewards

Min. Monthly Income

₹50,000

Score 700+

Applying takes you to Standard Chartered Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.

The full terms

Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.

1. Reward Rates, Multipliers & Point Conversion0 reward tiers

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

How points convert to cash:

We do not have redemption details recorded for this card. Check the issuer's page before relying on it.

2. Complete Fee Schedule & Annual WaiversAnnual: ₹588

Fees and charges
Charge	Amount	Condition
Joining fee	₹0	—
Annual / renewal fee	₹588	—
Cash withdrawal	3%	3% of the amount withdrawn, subject to a minimum of Rs. 300
Late payment	Tiered by balance: nil up to Rs. 100, Rs. 100 on Rs. 101–500, Rs. 500 on Rs. 501–5,000, Rs. 700 on Rs. 5,001–10,000 and Rs. 1,200 above Rs. 10,000, plus Rs. 100 if the minimum due is unpaid for two consecutive months	—
Foreign currency markup	3.5%	—

Interest, if you carry a balance

Annual rate: 45% p.a.
Monthly rate: 3.75%

Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.

Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.

Year one

Rewards only

no welcome value is recorded

Rewards on everything you spend, at the rates above
₹0 joining fee

Every year after

₹588 a year

charged with no published way to avoid it

The same rates, with the same caps, reset each cycle
₹588 renewal fee, with no published waiver
No welcome benefit. It lands once and never repeats.

3. Airport Lounge, Dining, Fuel & Travel PerksPerks & milestones

Airport loungeNot recorded

We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.

Fuel surcharge waiverIncluded

Not published for this card

UPI paymentsNot recorded

We do not have upi payments recorded for this card. Check the issuer's page before relying on it.

Insurance & protectionNot recorded

We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.

We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.

4. Important Excluded Spends & Limitations (MITC)7 recorded limitations

Read this oneBlinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the spend earns nothing.
Read this oneNo reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all.
The Rs. 49 monthly fee is only waived in a month that follows Rs. 5,000 of spend. A month of low use costs Rs. 49.
3.5% foreign currency markup — the Indian default, about Rs. 4,130 on every Rs. 1,00,000 spent abroad once GST is added.
Standard Chartered publishes no credit score requirement for this card, so eligibility cannot be checked against a score before applying.
No airport lounge access is published for this card.
No fuel surcharge waiver is published for this card.

We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.

5. Eligibility Criteria & Required DocumentsFrom ₹50,000/month

Salaried income: ₹50,000 a month
Self-employed income: ₹50,000 a month, per ITR
Age: 21 – 65
Credit score: 700+ typically
Employment: Salaried, Self-Employed

Check my eligibility

Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.

1Check you qualifyRun the eligibility check against the criteria above — it costs nothing and leaves no enquiry.
2Apply on the issuer’s siteCredSpy hands you to Standard Chartered Bank. The application, approval and card are theirs.
3Complete KYCIdentity, address and income proof, submitted to the issuer directly.
4VerificationThe issuer verifies your documents and runs its own credit checks.
5Card deliveryTimelines are set by the issuer and are not published here.

Apply now

6. Verified Cardholder Reviews & Community RatingRating & feedback

No reviews yet

CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.

7. Similar Cards & Head-to-Head Comparisons6 alternatives compared

Standard Chartered BankStandard Chartered Rewards Credit Card₹1,180 Standard Chartered BankStandard Chartered Super Value Titanium Credit Card₹885 RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770 American ExpressAmerican Express SmartEarn Credit Card₹584 Bank of BarodaBOBCARD SELECT Credit Card₹885 RBL BankRBL Bank Platinum Maxima Credit Card₹2,360

This card compared with similar cards
Card	Annual fee	Headline rate	Lounge
Standard Chartered DigiSmart Credit Card · this card	₹588	Not published	Not recorded
Standard Chartered Rewards Credit Card	₹1,180	See card	Included
Standard Chartered Super Value Titanium Credit Card	₹885	Up to 5% cashback	No
IndianOil RBL Bank XTRA Credit Card	₹1,770	Up to 7.5% rewards	No
American Express SmartEarn Credit Card	₹584	See card	No

Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.

8. Frequently Asked Questions9 questions answered

What is the annual fee on the Standard Chartered DigiSmart Credit Card?

₹588 plus GST, with no published spend-based waiver.

Does it give airport lounge access?

We do not have lounge details recorded for this card. Check the issuer’s page.

Can I use it on UPI?

We do not have UPI details recorded for this card.

What spending earns nothing?

We do not have an exclusions list recorded for this card. Check the issuer’s terms.

What income do I need?

Standard Chartered Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.

How do I redeem what I earn?

We do not have redemption details recorded.

How can I apply for a credit card?

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Can I increase my credit limit?

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

What happens if I miss my credit card payment?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

9. Official Terms Sources & Last Verified DateMITC & Key Fact Statement

Last verified: October 2026
Data version: v1
Structured fields: 12 sourced

We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.

Where each figure came from

fees.annualFee — Issuer product page (high confidence)
fees.feeWaiver — Issuer product page (high confidence)
rewards — Issuer product page (high confidence)
rewards.caps — Issuer product page (high confidence)
eligibility — Issuer product page (high confidence)
creditTerms — Issuer fee schedule (high confidence)
interest_rate — Issuer fee schedule (high confidence)
forexMarkupPercent — Issuer fee schedule (high confidence)
cash_advance_fee — Issuer fee schedule (high confidence)
late_payment_charges — Issuer fee schedule (high confidence)
fuel_surcharge_waiver — Issuer product page (high confidence)
credit_score_bracket — Verified by CredSpy (medium confidence)

Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.

Standard Chartered DigiSmart Credit Card

Joining Fee

₹0

One-time

Annual Fee

₹588

Per year

Top Reward Rate

High Value

Uncapped rewards

Min. Monthly Income

₹50,000

Score 700+

Applying takes you to Standard Chartered Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.

The full terms

Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.

1. Reward Rates, Multipliers & Point Conversion0 reward tiers

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

How points convert to cash:

We do not have redemption details recorded for this card. Check the issuer's page before relying on it.

2. Complete Fee Schedule & Annual WaiversAnnual: ₹588

Fees and charges
Charge	Amount	Condition
Joining fee	₹0	—
Annual / renewal fee	₹588	—
Cash withdrawal	3%	3% of the amount withdrawn, subject to a minimum of Rs. 300
Late payment	Tiered by balance: nil up to Rs. 100, Rs. 100 on Rs. 101–500, Rs. 500 on Rs. 501–5,000, Rs. 700 on Rs. 5,001–10,000 and Rs. 1,200 above Rs. 10,000, plus Rs. 100 if the minimum due is unpaid for two consecutive months	—
Foreign currency markup	3.5%	—

Interest, if you carry a balance

Annual rate: 45% p.a.
Monthly rate: 3.75%

Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.

Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.

Year one

Rewards only

no welcome value is recorded

Rewards on everything you spend, at the rates above
₹0 joining fee

Every year after

₹588 a year

charged with no published way to avoid it

The same rates, with the same caps, reset each cycle
₹588 renewal fee, with no published waiver
No welcome benefit. It lands once and never repeats.

3. Airport Lounge, Dining, Fuel & Travel PerksPerks & milestones

Airport loungeNot recorded

We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.

Fuel surcharge waiverIncluded

Not published for this card

UPI paymentsNot recorded

We do not have upi payments recorded for this card. Check the issuer's page before relying on it.

Insurance & protectionNot recorded

We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.

We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.

4. Important Excluded Spends & Limitations (MITC)7 recorded limitations

Read this oneBlinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the spend earns nothing.
Read this oneNo reward points are earned on ordinary spending. Outside the named merchants this card has no earn rate at all.
The Rs. 49 monthly fee is only waived in a month that follows Rs. 5,000 of spend. A month of low use costs Rs. 49.
3.5% foreign currency markup — the Indian default, about Rs. 4,130 on every Rs. 1,00,000 spent abroad once GST is added.
Standard Chartered publishes no credit score requirement for this card, so eligibility cannot be checked against a score before applying.
No airport lounge access is published for this card.
No fuel surcharge waiver is published for this card.

We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.

5. Eligibility Criteria & Required DocumentsFrom ₹50,000/month

Salaried income: ₹50,000 a month
Self-employed income: ₹50,000 a month, per ITR
Age: 21 – 65
Credit score: 700+ typically
Employment: Salaried, Self-Employed

Check my eligibility

Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.

1Check you qualifyRun the eligibility check against the criteria above — it costs nothing and leaves no enquiry.
2Apply on the issuer’s siteCredSpy hands you to Standard Chartered Bank. The application, approval and card are theirs.
3Complete KYCIdentity, address and income proof, submitted to the issuer directly.
4VerificationThe issuer verifies your documents and runs its own credit checks.
5Card deliveryTimelines are set by the issuer and are not published here.

Apply now

6. Verified Cardholder Reviews & Community RatingRating & feedback

No reviews yet

CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.

7. Similar Cards & Head-to-Head Comparisons6 alternatives compared

This card compared with similar cards
Card	Annual fee	Headline rate	Lounge
Standard Chartered DigiSmart Credit Card · this card	₹588	Not published	Not recorded
Standard Chartered Rewards Credit Card	₹1,180	See card	Included
Standard Chartered Super Value Titanium Credit Card	₹885	Up to 5% cashback	No
IndianOil RBL Bank XTRA Credit Card	₹1,770	Up to 7.5% rewards	No
American Express SmartEarn Credit Card	₹584	See card	No

Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.

8. Frequently Asked Questions9 questions answered

What is the annual fee on the Standard Chartered DigiSmart Credit Card?

₹588 plus GST, with no published spend-based waiver.

Does it give airport lounge access?

We do not have lounge details recorded for this card. Check the issuer’s page.

Can I use it on UPI?

We do not have UPI details recorded for this card.

What spending earns nothing?

We do not have an exclusions list recorded for this card. Check the issuer’s terms.

What income do I need?

Standard Chartered Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.

How do I redeem what I earn?

We do not have redemption details recorded.

How can I apply for a credit card?

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Can I increase my credit limit?

What happens if I miss my credit card payment?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

9. Official Terms Sources & Last Verified DateMITC & Key Fact Statement

Last verified: October 2026
Data version: v1
Structured fields: 12 sourced

We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.

Where each figure came from

fees.annualFee — Issuer product page (high confidence)
fees.feeWaiver — Issuer product page (high confidence)
rewards — Issuer product page (high confidence)
rewards.caps — Issuer product page (high confidence)
eligibility — Issuer product page (high confidence)
creditTerms — Issuer fee schedule (high confidence)
interest_rate — Issuer fee schedule (high confidence)
forexMarkupPercent — Issuer fee schedule (high confidence)
cash_advance_fee — Issuer fee schedule (high confidence)
late_payment_charges — Issuer fee schedule (high confidence)
fuel_surcharge_waiver — Issuer product page (high confidence)
credit_score_bracket — Verified by CredSpy (medium confidence)

Standard Chartered DigiSmart Credit Card

Instant Verdict: Is it worth it?

Calculate Your Net Earnings

Complete Card Breakdown & Fine Print

The full terms

How points convert to cash:

Interest, if you carry a balance

Airport loungeNot recorded

Fuel surcharge waiverIncluded

UPI paymentsNot recorded

Insurance & protectionNot recorded

Held this card? Tell people what it is actually like

Ready to apply?

Standard Chartered DigiSmart Credit Card

Instant Verdict: Is it worth it?

Calculate Your Net Earnings

Complete Card Breakdown & Fine Print

The full terms

How points convert to cash:

Interest, if you carry a balance

Airport loungeNot recorded

Fuel surcharge waiverIncluded

UPI paymentsNot recorded

Insurance & protectionNot recorded

Held this card? Tell people what it is actually like

Ready to apply?