All cards / Standard Chartered
Standard Chartered DigiSmart Credit Card
A digital-first, discount-based card billed at ₹49/month (not a traditional annual fee) rather than points — its value is concentrated in Blinkit, Zomato, Ola, and INOX rather than broad-based rewards.
Annual fee
₹588
Joining fee
₹0
Reward type
cashback
Base reward rate
0%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy-one-get-one on INOX movie tickets, twice a month; 10% off at Zomato (up to ₹150/order, 5 orders/month)
- Rewards rate: 0% base rate
- Domestic lounge access: No complimentary domestic lounge access
- International lounge access: No complimentary international lounge access
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹150/monthly)
- ✈️ Travel
15% reward rate (capped ₹600/monthly)
- 🛍️ Shopping
10% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,000
- Rewards redemption fee: Cashback credited automatically to the statement; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 45% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 10% off at Blinkit (up to ₹1,000/month) and 10% off at Zomato (up to ₹150/order, 5 orders/month)
- 15% cashback on Ola cab rides, capped at ₹600/month
- Buy-one-get-one on INOX movie tickets on weekends, twice a month
Pros
- + Tiny ₹49/month fee, easily waived on ₹5,000 monthly spend
- + Instant virtual card, no wait for the physical card
- + Strong niche discounts on Blinkit/Zomato/Ola
Cons
- − Unusual monthly-fee billing instead of a standard annual fee
- − No blanket reward rate outside the named merchant partners
- − Average 3.5% forex markup