Application status unresolved
Sources disagree on whether this card is still accepting new applications — verify directly with the bank before applying.
Standard Chartered DigiSmart Credit Card
Standard Chartered Bank
Note the actual cost is ₹49/month unless you clear ₹5,000 spend the following month — don't display this as a free card without that caveat.
Free
Joining fee
Free
Annual fee
Reverses within 90 days of fee levy if spending exceeds Rs 5,000 in the following calendar month (same threshold applies to supplementary cards).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Minimum Rs 50,000/month income for both salaried and self-employed (aggregator-sourced). Documents (official): identity proof, PAN card, address proof, photograph; salary slip (salaried) or IT returns/certified financials plus business continuity proof (self-employed). CIBIL not explicitly mentioned.
Sources disagree: Official sc.bank.in page appears live and actively promotes this card's benefits (Blinkit, Zomato, Yatra, Ola, INOX offers) with no discontinuation notice found in this fetch. Aggregator (Paisabazaar) explicitly states 'Standard Chartered Bank will not be accepting new applications for Digismart Credit Card from 15th Dec 2022.' Both presented since they directly conflict; the aggregator's claim is treated as the more likely accurate signal but could not be independently confirmed given the still-active-looking official page.
Lounge access
0 domestic / 0 international visits per year
Key features
- 15% off Ola (cap ₹600/month)
- 20% off Myntra
- 10% off Grofers/Zomato
- BOGO movie tickets at INOX
Reward details
- 10% off on Blinkit/Grofers — Rs 1,000/month, 5 transactions
- 10% off on Zomato — Rs 150/transaction, 5 transactions/month
- 20% discount on Myntra (aggregator only) — Rs 700/month, once monthly
- 20% off on Yatra domestic flights — max Rs 750
- 10% off on Yatra international flights — max Rs 10,000
- 15% cashback on Ola Cabs — Rs 600/month, excludes bike/auto/pool rides
- Buy 1 Get 1 movie tickets on INOX Cinema — twice monthly, capped Rs 200/transaction
Redemption
Described as a '360° rewards program' with an online catalogue, but specific redemption values not detailed
- No general reward points structure — this card offers only merchant-specific discount offers rather than a points program (both sources agree)
- Contactless payments up to Rs 5,000
- EMI facility on purchases above Rs 2,000 (official) or Rs 5,000 ('Kuch Bhi on EMI', aggregator) — figures conflict between sources
- Loan on credit card up to Rs 10 lakh
- Balance transfer up to Rs 5 lakh
- Virtual card option with instant activation
- Visa network
- Rental payment processing fee (official): 1% + taxes, effective April 2, 2023
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Best suited for frequent online shoppers, with benefits spanning travel, dining, and entertainment categories — Paisabazaar
Complaints
- No airport lounge access — Paisabazaar
- Reward benefits restricted to select brands only, rather than a general-purpose rewards program — Paisabazaar
Sources
- Official — page appeared active and current, no discontinuation notice seen
- Aggregator — explicitly states new applications ceased December 15, 2022; fees, eligibility, rewards, sentiment