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Standard Chartered DigiSmart Credit Card
Standard Chartered • Visa

Standard Chartered DigiSmart Credit Card

Subscription-style lifestyle card built around recurring digital merchant and delivery offers.

Annual Fee₹588₹49+GST monthly fee construct; waiver/benefit conditions are issuer-defined
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹6,936Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

₹49+GST monthly fee construct; waiver/benefit conditions are issuer-defined

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹49 annual spend.Reward cap applied at ₹12,000/yr (not reached).

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
5.0%
Lifestyle
3.0%
Online
2.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • DigiSmart is not a pure reward-rate card; it is a subscription-style offer engine.
  • Monthly partner caps define upside, so disciplined usage of Zomato/Uber/Blinkit is required.
  • Best results come when it is used as a tactical companion card, not as primary spend card.

Best Utilization

  • Use only at participating offer merchants (Zomato, Uber, Blinkit, Myntra tracks) within monthly cap limits.
  • Pair with a flat cashback card for non-offer online and offline spends.
  • Review monthly expected savings vs annual fee to decide keep/close each year.

Watchouts

  • Do not extrapolate partner offer rates to all dining/shopping spends.
  • Offer terms are dynamic and may need app-code/merchant-eligibility checks.
  • Cap overrun can sharply reduce realized return after first few transactions each month.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹0
  • Annual fee₹588
  • Waiver threshold₹49
  • Cap typemonthly
  • Cap resetmonthly
  • Last verified2026-02-11

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-11

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days2
  • Source conflicts0
  • Applied reports18
  • Approval reports11

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Standard Chartered DigiSmart Credit Card using your current month spend.

₹0 spent₹49 target

Policy signal used: ₹49+GST monthly fee construct; waiver/benefit conditions are issuer-defined

Spend threshold

₹49+GST monthly fee construct; waiver/benefit conditions are issuer-defined

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Offer-led model: 20% cashback on Zomato (up to ₹400 monthly cap) under current program
  • 10% cashback on Blinkit orders (up to ₹100 monthly cap) under current program
  • ₹15 cashback on every ₹250 spent on Uber rides (up to ₹600 monthly cap)
  • Myntra benefit track available under issuer T&Cs with coupon/code flow

Things to Consider

  • Value is offer-utilization driven; underused months can underperform annual fee
  • Individual partner offers are monthly capped and campaign dependent
  • Benefit partners and limits can change with issuer updates

About Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is a cashback card from Standard Chartered, best for users who can consistently monetize monthly merchant offers. It is tagged under shopping, dining, online, lifestyle, cashback categories in our database.

ShoppingDiningOnlineLifestyleCashback

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Frequently asked questions

Is Standard Chartered DigiSmart Credit Card lifetime free?

It has an annual fee of ₹588. ₹49+GST monthly fee construct; waiver/benefit conditions are issuer-defined

What rewards does Standard Chartered DigiSmart Credit Card offer?

Subscription-style lifestyle card built around recurring digital merchant and delivery offers.

Does Standard Chartered DigiSmart Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Standard Chartered DigiSmart Credit Card?

Users who can consistently monetize monthly merchant offers

Where can I apply for Standard Chartered DigiSmart Credit Card?

Check the issuer website for application availability.