Standard Chartered DigiSmart Credit Card Review
A zero-annual-fee digital card built for everyday app spending, with quarterly discounts across food delivery, cabs, fashion and movies.
Quick facts
The only fee is a small one-time joining charge, and even that is waived if you spend ₹500 within 30 days of getting the card — there is no annual fee in subsequent years.
Fees and reward rates
Joining fee waived on ₹500 spend within 30 days of card issuance, with quarterly app discounts available from the first billing cycle.
| Charge | Amount |
|---|---|
| Joining fee | ₹250 + GST |
| Joining fee on ₹500 spend in 30 days | Waived |
| Annual/renewal fee | Zero |
| Forex mark-up | 3.5% of transaction value |
| Interest rate | 3.75% per month (45% APR) |
| Spend category | Reward rate |
|---|---|
| All eligible retail spends | Standard base reward rate applies; value here comes mainly from partner discounts rather than point accumulation |
What else you get
10–20% off at Blinkit, Zomato, Ola and Myntra, limited to 1 transaction per quarter per category
Domestic and international travel discounts through partner platforms
Buy-one-get-one-free movie tickets at INOX cinemas
Instant approval with video KYC and no income documentation for most applicants
Eligibility
| Criteria | Requirement |
|---|---|
| Age | 21 to 65 years |
| Income (salaried) | Around ₹50,000 per month |
| Income (self-employed) | Stable declared business income |
| Credit history | Reasonable credit history; positioned as an accessible digital-first card |
| Residency | Resident Indian in a Standard Chartered credit card sourcing city |
Standard Chartered issues cards only in its credit-card sourcing cities and runs frequent promotional fee waivers — confirm current city availability and exact fee terms on the official Standard Chartered India website before applying.
Verdict
What works
- Zero annual fee makes this one of the cheapest cards to hold long-term
- Discounts span food delivery, cabs, fashion and movies — categories younger spenders use heavily
- Fast, largely paperless approval through video KYC
- Low ₹250 joining fee is easily waived on minimal spend
What to watch for
- App discounts are capped at one transaction per quarter per category
- No airport lounge access or travel-specific perks
- Reward point accumulation is secondary to the discount-voucher structure
- Minimum income requirement of around ₹50,000 a month limits accessibility
FAQs
Does the DigiSmart card have an annual fee?
Which apps give discounts on the DigiSmart card?
What income do I need for the DigiSmart card?
DigiSmart or Platinum Rewards — which is better for a first card?
Compare more Standard Chartered cards
See the full Standard Chartered India lineup on SearchLocally.in.