M16S / Standard Chartered / Standard Chartered DigiSmart Credit Card
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Standard Chartered DigiSmart Credit Card
The Standard Chartered DigiSmart Credit Card costs Rs 588 a year. It earns None. The card earns no reward points on spends.. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 588+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on sc.bank.inOpens the bank’s own page.
Fees
| Annual fee | Rs 588 |
|---|---|
| Fee notes | Rs 49 per month (Rs 588 a year) billed from the first statement; supplementary card also Rs 49 a month. Each month's fee is reversed if spend in the next calendar month exceeds Rs 5,000 (reversal posts within 90 days). No joining fee is listed. |
Rewards
| Reward currency | Instant discounts and cashback (no reward points) |
|---|---|
| Base earn | None. The card earns no reward points on spends. |
| Accelerated earn | Blinkit 10% off; Zomato 10% off; Yatra 20% off domestic flights, 10% off international flights, 25% off domestic hotels; Ola 15% cashback; INOX buy-one-get-one on weekend shows. Code DIGISMART for Blinkit, Zomato and Yatra. |
| Caps | Blinkit: 5 transactions and Rs 1,000 discount a month. Zomato: 5 a month, Rs 150 per transaction. Yatra: one per quarter per category; cap Rs 750 domestic flights, Rs 10,000 international flights (minimum Rs 20,000), Rs 4,000 domestic hotels. Ola: Rs 600 a month across primary and supplementary cards. INOX: 2 a month, Rs 200 per transaction. |
| Spends that earn nothing | Ola cashback excludes bike, auto and share rides and Ola Wallet loads, and is not available to NRE account holders |
| Reward notes | No base return: the T&C says no reward points are awarded on spends. Value comes only from the merchant offers. Cashback posts within 60 days of the end of the transaction month. The bank can change or remove merchants at any time. Myntra, named on the bank's listing page, does not appear on the card page or in the T&C. |
Travel and perks
| Domestic loungeunverified | None |
|---|---|
| International loungeunverified | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months |
| Cash advance fee | 3% min Rs 300 |
| Fine-print notes | Status corrected from closed-to-new to open: Standard Chartered's card page carries a live online application link (apply.standardchartered.co.in, selectedCardId=14), offers video KYC and says existing cardholders can also apply; nothing on the page or in the T&C says the card is withdrawn. Card page and product T&C read. fee_waiver_spend is null because the waiver is monthly (Rs 5,000 in the following month), not annual. Rent payments (MCC 6513) carry a 1% processing fee. Age and income criteria are not published. Forex 3.5% is from the tariff page. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded. |
Questions
- What is the annual fee of the Standard Chartered DigiSmart Credit Card?
- Rs 588 a year, before GST.
- Does the Standard Chartered DigiSmart Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Standard Chartered DigiSmart Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Standard Chartered DigiSmart Credit Card?
- Ola cashback excludes bike, auto and share rides and Ola Wallet loads, and is not available to NRE account holders