Standard Chartered Bank
Standard Chartered DigiSmart Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Get 10% Instant Discount at Blinkit
Key in the promo code DIGISMART , offer is valid for five transactions per month with No Minimum Spend, Capped at ₹1,000 per Month
Get 10% Instant Discount on Zomato Orders
use promo code DIGISMART on Zomato orders with no minimum spend, Valid for 5 transactions per month with a maximum discount of INR 150 per transaction
Best For
Online Food Ordering
Grocery Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Get a 10% instant discount at Blinkit with no minimum spend, for 5 transactions a calendar month up to a monthly discount maximum of ₹1,000, using the code DIGISMART
- Get a 10% instant discount on Zomato with no minimum spend, for 5 transactions a calendar month up to ₹150 per transaction, using the E-Coupon DIGISMART
- Get Buy 1 Get 1 free on movie tickets at INOX for shows on Saturdays and Sundays, for 2 transactions a calendar month up to ₹200 per transaction
- Get 20% off domestic flights up to ₹750, 10% off international flights up to ₹10,000 on a minimum transaction of ₹20,000, and 25% off domestic hotel bookings up to ₹4,000 at Yatra, one transaction per quarter per category, using the promo code DIGISMART
- Get 15% cashback on Ola cab rides up to ₹600 a calendar month, excluding bike, auto and share rides and Ola Wallet loads
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Disputed Transactions
Finance Charges
Cash Advance
Cash Withdrawal
For Spends Waiver
Fuel
Rent
Disputed Transactions
Finance Charges
Cash Advance
Cash Withdrawal
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 3.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable | 3% |
Reward Redemption Fees This is a Cashback card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A fee of ₹299 is levied for making payment of credit card bills by depositing cash at a bank branch | ₹299 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| Above ₹10,000 | ₹1200 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get 10% Instant Discount at Blinkit
Key in the promo code DIGISMART , offer is valid for five transactions per month with No Minimum Spend, Capped at ₹1,000 per Month
Get 10% Instant Discount on Zomato Orders
use promo code DIGISMART on Zomato orders with no minimum spend, Valid for 5 transactions per month with a maximum discount of INR 150 per transaction
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.