Standard Chartered
Standard Chartered DigiSmart Credit Card
Best for bill-payments
₹1,500/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,500/yr
Reward rate
Not published
Min. income
₹4,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹4 lakh/yr · CIBIL 700+
Reward cap
Cap on online category
Welcome benefit
Online shopping vouchers
Who is this for
- Cashback seeker
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹1,500 non-waiver joining fee
- ₹1,000 late-payment fee
- 3% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1858
Website
www.sc.com/inFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | On ₹1,50,000+ annual spend |
| Renewal fee | ₹1,500 | Waived on annual spends >= Rs 2,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 3% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between Rs 400 and Rs 4,000 (max Rs 200/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3x on online/digital spends; 1x on others | Cap on online category | 1 RP = ₹0.25 |
| UTILITY_BILLS | 5.00 | ₹500/month | — |
| ONLINE | 5.00 | ₹500/month | — |
Benefits
-
Domestic lounge access
2 per year
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Online shopping vouchers
-
Fuel surcharge waiver
1% waiver
Eligibility
- Age
- 21–65 years
- Min. income
- ₹4,00,000
- Min. credit score
- 700+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, income proof
Standard Chartered DigiSmart Credit Card is a VISA credit card from Standard Chartered. It is best suited for bill-payments.
Fees and rewards
- Annual fee: ₹1500
- Joining fee: ₹1500
- Rewards: 5% cashback on subscriptions & utilities
Eligibility
PAN, Aadhaar, income proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for Standard Chartered DigiSmart Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Standard Chartered DigiSmart Credit Card worth it?
What is the annual fee for the Standard Chartered DigiSmart Credit Card?
How does the Standard Chartered DigiSmart Credit Card reward rate work?
Show 3 more questions
What are the eligibility requirements for the Standard Chartered DigiSmart Credit Card?
Does the Standard Chartered DigiSmart Credit Card offer airport lounge access?
What is the forex markup on the Standard Chartered DigiSmart Credit Card?
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