The Standard Chartered DigiSmart Credit Card, launched as an all-in-one solution, targets digitally savvy individuals in India who frequently shop online. As of 2026, IT offers substantial discounts across categories like groceries, food delivery, and travel, with a monthly fee of ₹49, waived upon spending ₹5,000 in a calendar month.
This entry-level card provides specific benefits, including 15% cashback on Ola rides (up to ₹600/month) and up to 25% off domestic hotel bookings (max ₹4,000), making IT a strong contender for everyday digital transactions.
| Parameter | Details |
|---|---|
| Card Name | Standard Chartered DigiSmart Credit Card |
| Card Type | Rewards Credit Card; All-in-one for online shopping |
| Target Audience | Millennials and young individuals, digitally smarter audience, frequent online shoppers |
| Key Benefits | Discounts and cashbacks on shopping, travel, dining, movies, groceries, food orders, cab bookings |
| Monthly Fee | ₹49 (plus GST) |
| Monthly Fee Waiver | Waived if ₹5,000 or more is spent in a calendar month |
| Joining Fee | ₹0 |
| Minimum Monthly Income | ₹50,000 (₹6 lakh annually) |
| Primary Cardholder Age | 18 to 65 years |
| Add-on Cardholder Minimum Age | 18 years |
| Residency Requirement | Must reside in cities where Standard Chartered Bank sources credit cards |
| Contactless Payment Limit | Up to ₹2,000 (or above for specific transactions) |
| Loan Facility | Up to ₹5 lakh available on the card |
| Loan Tenure Options | 12 months to 60 months |
| Ola Rides Cashback | 15% (maximum ₹600 per month) |
| Domestic Hotel Discount | Up to 25% (maximum ₹4,000 per transaction) |
| Domestic Hotel Offer Usage | 1 transaction per category per calendar quarter (use promo code DIGISMART) |
| Grofers Discount | 10% (no minimum spend, use promo code DIGISMART) |
| Myntra Discount | Up to 20% |
| Zomato Discount | 10% |
| Movie Tickets Offer | Buy one get one free on INOX movie tickets |
| Application Mode | Online (via website, Video KYC) or Offline (at SC branch) |
| Online Application Process | Click ‘Apply Now’, fill details, complete Video KYC for contactless approval |
| Existing Customer Application | ₹1 payment from existing SC card, followed by eligibility checks |
| Documents Required (Self-employed) | Latest certified financials, proof of business continuity |
The card’s structured discounts on popular platforms like Ola, Grofers, and Zomato provide consistent value, making IT a practical choice for daily digital spending in 2026.
Standard Chartered DigiSmart Credit Card in India: Types, Categories & Key Components Explained
The Standard Chartered DigiSmart Credit Card is an entry-level card in India, designed for online shoppers and digital transactions. IT offers benefits across shopping, travel, dining, and entertainment, with a monthly fee of ₹49 that can be waived on spending ₹5,000 in a calendar month.
| Type/Category | Details | Key Feature |
|---|---|---|
| All-in-one Credit Card | Designed for online shoppers, offering multiple benefits across various categories. | Benefits on shopping, travel, dining, movies, and grocery purchases. |
| Online Shopping Credit Card | Best suited for individuals who frequently shop online. | Attractive offers and discounts on online purchases with partners like Grofers (Blinkit), Zomato, Ola, Myntra, and Yatra. |
| Cashback Credit Card | Provides special cashbacks on partnered platforms. | 15% cashback on Ola rides (max ₹600/month) and 10% off on Grofers/Blinkit. |
| Entertainment Benefits | Offers for movie tickets. | Buy One Get One Free on INOX movie tickets (Saturdays & Sundays, 2 transactions/month, max discount ₹200/transaction). |
| Travel Benefits | Discounts on travel bookings. | Up to 25% off domestic hotel bookings (max discount ₹4,000, 1 transaction/category/quarter) using promo code DIGISMART. |
| Dining Benefits | Discounts on food orders. | 10% off on Zomato orders (max ₹150/transaction, 5 monthly uses). |
| Cab Booking Benefits | Cashback on cab rides. | 15% cashback on Ola rides (max ₹600/month). |
| Grocery Shopping Benefits | Discounts on grocery purchases. | 10% off on Grofers (now Blinkit) with no minimum spend limit, using promo code DIGISMART. |
| Fashion Shopping Benefits | Discounts on clothing and accessories. | Up to 20% off on Myntra purchases. |
| Loan Facility | Eligible users can avail a loan on their credit card. | Loan up to ₹5 Lakh with tenure options from 12 to 60 months. |
| Payment Convenience | Modern payment features. | Contactless payment for transactions up to ₹2,000. |
| Monthly Fee | A recurring charge for card usage. | ₹49 plus GST, waived if ₹5,000 is spent in a calendar month. |
| Eligibility Criteria | Requirements for card application. | Minimum monthly income of ₹50,000 (₹6 lakh annually); applicant must reside in Standard Chartered Bank’s credit card sourcing cities. |
| Application Process | Methods to apply for the card. | Online via website (including Video KYC for instant approval) or offline by visiting a Standard Chartered branch. |
| Documents Required | Necessary paperwork for application. | Latest passport-sized photograph; for self-employed, latest certified financials and proof of business continuity. |
The card’s structure focuses on providing value for frequent online transactions, aligning with the spending habits of a digitally active audience in India.
Standard Chartered DigiSmart Credit Card in India: Key Statistics & Data Points for 2026
The Standard Chartered DigiSmart Credit Card carries a monthly fee of ₹49, which is waived upon spending ₹5,000 in a calendar month. As of 2026, the card offers 15% cashback on Ola rides (up to ₹600 monthly) and up to 25% discount on domestic hotel bookings (max ₹4,000 per quarter).
| Metric | Value | Source |
|---|---|---|
| Monthly Fee | ₹49 + GST | Standard Chartered Bank |
| Monthly Fee Waiver Condition | Spend ₹5,000 in a calendar month | Standard Chartered Bank |
| Minimum Monthly Income Required | ₹50,000 | Standard Chartered Bank |
| Primary Cardholder Age | 18 to 65 years | Standard Chartered Bank |
| Add-on Cardholder Minimum Age | 18 years | Standard Chartered Bank |
| Cashback on Ola Rides | 15% (up to ₹600 per month) | Standard Chartered Bank |
| Discount on Domestic Hotel Bookings | Up to 25% (max ₹4,000 per quarter) | Standard Chartered Bank |
| Domestic Hotel Booking Offer Limit | 1 transaction per category per quarter | Standard Chartered Bank |
| Discount on Grofers | 10% (no minimum spend, use code DIGISMART) | Standard Chartered Bank |
| Discount on Myntra | Up to 20% | Standard Chartered Bank |
| Discount on Zomato | 10% | Standard Chartered Bank |
| Loan on Credit Card Availability | Up to ₹5 Lakh | Standard Chartered Bank |
| Loan Tenure Options | 12 to 60 months | Standard Chartered Bank |
| Contactless Payment Limit | Up to ₹2,000 | Standard Chartered Bank |
| Amazon Pay Gift Card Offer | ₹1,200 (on ₹1,200+ transaction within 30 days of setup) | Standard Chartered Bank |
The card is positioned as an entry-level rewards credit card by the RBI, catering to individuals with stable monthly income in Standard Chartered Bank’s sourcing cities.
How Standard Chartered DigiSmart Credit Card in India Works: Process, Steps & Key Details
Applying for the Standard Chartered DigiSmart Credit Card in India involves both online and offline channels, with a minimum monthly income requirement of ₹50,000. The card offers contactless payment up to ₹2,000, aligning with modern digital transaction needs.
The application process is streamlined for quick approval, especially for existing bank customers or those opting for Video KYC (VKYC).
- Eligibility Criteria: Applicants must be between 18 and 65 years old, with add-on cardholders also needing to be at least 18. A stable monthly income of ₹50,000 is required, and residency must be in cities where Standard Chartered Bank sources credit cards.
- Online Application: Prospective cardholders can apply online by clicking “Apply Now” on the bank’s website and filling in the necessary details. This method often includes a Video KYC option for contactless approval.
- Offline Application: For those preferring a physical process, visiting the nearest Standard Chartered Bank branch and completing an application form is an option.
- Documents Required: Key documents include one latest passport-sized photograph. Self-employed individuals need to provide their latest certified financials and proof of business continuity.
- Existing Customer Advantage: Current Standard Chartered Bank credit cardholders can expedite the process by making a ₹1 payment from their existing card, with the DigiSmart Card processed after eligibility checks.
- Instant Approval via VKYC: The Video KYC facility allows for a faster, instant approval process, making the application more convenient and efficient.
- Card Activation: New cardholders must activate their Standard Chartered DigiSmart Credit Card within 30 days of its issuance to begin using its benefits.
- Monthly Fee Waiver: The card carries a monthly fee of ₹49 plus GST, which is waived if the cardholder spends ₹5,000 or more in a calendar month.
This structured application and activation process ensures accessibility and convenience for eligible individuals seeking the card’s benefits.
Standard Chartered DigiSmart Credit Card in India: Benefits, Advantages & Why Students Choose IT
The Standard Chartered DigiSmart Credit Card offers substantial benefits for online shopping, travel, and dining, making IT a popular choice for digitally active users in India. This entry-level credit card provides specific discounts and cashback across major platforms like Ola, Myntra, and Zomato, catering to daily digital spending habits.
- Ola Rides Cashback: Cardholders receive 15% cashback on Ola rides, capped at ₹600 per month, ideal for frequent commuters.
- Domestic Hotel Discounts: Enjoy up to 25% discount on domestic hotel bookings, with a maximum saving of ₹4,000 per transaction per quarter using promo code DIGISMART.
- Online Shopping Offers: The card provides 10% discount on Grofers with no minimum spend, and up to 20% discount on Myntra purchases.
- Food Delivery Benefits: Users get a 10% discount on Zomato orders, making daily food expenses more economical.
- Movie Ticket Offers: Standard Chartered offers a ‘buy one get one free’ deal on INOX movie tickets, entertainment value.
- Monthly Fee Waiver: The monthly fee of ₹49 plus GST is waived if you spend ₹5,000 or more in a calendar month.
- Personal Loan Facility: Eligible cardholders can avail a personal loan of up to ₹5 lakh with flexible tenures from 12 to 60 months.
The card’s targeted benefits and low monthly fee structure make IT attractive for individuals seeking value from their everyday online transactions.
Standard Chartered DigiSmart Credit Card in India: Vs Alternatives: Which Option is Best?
The Standard Chartered DigiSmart Credit Card offers specific benefits for online shopping, travel, and dining, making IT an entry-level option for digital-first users. As of 2026, its monthly fee of ₹49 is waived on spending ₹5,000, a structure different from cards with annual fees.
Comparing IT with alternatives helps identify the best fit for individual spending habits and financial goals.
| Feature | Standard Chartered DigiSmart Credit Card | HDFC Bank Millennia Credit Card (Alternative 1) | Standard Chartered Smart Credit Card (Alternative 2) |
|---|---|---|---|
| Card Type | All-in-one, best for online shopping, travel, dining | Targets millennials, strong on online spends | General purpose, 2% cashback on online shopping |
| Monthly/Annual Fee | ₹49 monthly (waived on ₹5,000 spend) | Low fees (specifics vary by variant) | Card fee (specifics vary by variant) |
| Ola Cashback | 15% cashback, up to ₹600 per month | Helps with Ola (specifics vary) | Helps with Ola (specifics vary) |
| Myntra Discount | 20% off (discontinued since March 2026) | Useful for Myntra shopping (previously 20% discount) | Useful for Myntra shopping (previously 20% discount) |
| Movie Offers | Buy One Get One (BOGO) on INOX movie tickets | BOGO on Inox Movies (specifics vary) | BOGO on Inox Movies (specifics vary) |
| Domestic Hotel Discount | Up to 25% off, max ₹4,000 (promo code DIGISMART) | Varies by partner offers | Varies by partner offers |
| Grofers Discount | 10% off (promo code DIGISMART) | Varies by partner offers | Varies by partner offers |
| Minimum Monthly Income | ₹50,000 | Varies by card variant (typically ₹25,000-₹35,000) | ₹55,000 (for Super Value Titanium variant) |
The DigiSmart Card excels in specific online categories like Ola and INOX, while alternatives like the HDFC Millennia Card often provide broader reward rates on general online spending.
Common Misconceptions About Standard Chartered DigiSmart Credit Card in India
The Standard Chartered DigiSmart Credit Card is often perceived as a basic card, but IT offers substantial benefits for online spending, including up to 25% off domestic hotel bookings. Many users also misunderstand its fee structure, which is a monthly fee of ₹49, waived on spending ₹5,000 in a calendar month.
- Misconception 1: IT’s only for online shopping. While optimized for online transactions, the DigiSmart Card also provides benefits on dining, movies, and cab bookings, such as 15% cashback on Ola rides up to ₹600 monthly.
- Misconception 2: IT has a high annual fee. The card charges a monthly fee of ₹49 plus GST, not an annual fee. This monthly fee is waived if you spend ₹5,000 or more in that calendar month.
- Misconception 3: Discounts are short-term promotions. Standard Chartered states that DigiSmart deals are ongoing, not limited-period offers, allowing users to consistently avail benefits on platforms like Myntra and Zomato.
- Misconception 4: IT offers only reward points. Unlike many cards, the DigiSmart Card focuses on direct cashbacks and discounts on partnered platforms, including 10% off on Grofers and Zomato.
- Misconception 5: Loan facilities are not available. Eligible cardholders can avail a loan of up to ₹5 lakh on their DigiSmart Credit Card, with flexible tenure options ranging from 12 to 60 months.
Understanding these specific features helps clarify the true value and utility of the Standard Chartered DigiSmart Credit Card for Indian consumers.
What to Do Next: Actionable Steps
Applying for the Standard Chartered DigiSmart Credit Card in 2026 involves both online and offline channels. The card requires a minimum monthly income of ₹50,000 and is available in cities where Standard Chartered Bank sources credit cards.
To proceed with your application, consider these steps:
- Verify Eligibility: Ensure you meet the minimum monthly income of ₹50,000 (₹6 lakh annually) and reside in a Standard Chartered Bank credit card sourcing city.
- Online Application: Visit the official Standard Chartered Bank website, click “Apply Now,” and complete the online application form.
- Video KYC (VKYC): Utilize the Video KYC option for a contactless and potentially instant approval process, verifying your identity remotely.
- Existing Customer Process: If you are an existing Standard Chartered Bank credit card holder, you may initiate the DigiSmart Card application by making a ₹1 payment from your current card, subject to eligibility checks.
- Offline Application: For an offline approach, visit your nearest Standard Chartered Bank branch to fill out the physical application form.
- Document Preparation: Gather necessary documents, including a recent passport-sized photograph and, for self-employed individuals, the latest certified financials and proof of business continuity.
After approval, activate your card within 30 days of issuance to begin enjoying its benefits.
Key Takeaways
- The Standard Chartered DigiSmart Credit Card requires a minimum monthly income of ₹50,000 for applicants in 2026.
- Application can be completed online with Video KYC for instant approval or offline at a bank branch.
- Existing Standard Chartered customers may have a streamlined application process for the DigiSmart Card.
Check your eligibility and apply for the Standard Chartered DigiSmart Credit Card on the official Standard Chartered Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the Standard Chartered DigiSmart Credit Card?
The Standard Chartered DigiSmart Credit Card offers benefits on online shopping, travel, dining, movies, and grocery purchases. Key offers include discounts on popular platforms like Myntra, Zomato, Grofers, and Ola. IT is designed for users who frequently shop online and seek value-back on daily spends.
What is the monthly fee for the Standard Chartered DigiSmart Credit Card?
The Standard Chartered DigiSmart Credit Card has a monthly fee of ₹49. This fee is waived if you spend ₹5,000 or more in a calendar month. This makes IT a cost-effective option for regular users.
Can I get a loan on my Standard Chartered DigiSmart Credit Card?
Yes, eligible users can avail a loan on their DigiSmart Credit Card, up to a maximum of ₹5 lakh. Loan tenures range from 12 months to 60 months, providing flexible repayment options. Contact Standard Chartered Bank for current interest rates and specific terms.
What discounts does the DigiSmart Credit Card offer on movie tickets?
The DigiSmart Credit Card offers a ‘Buy 1 Get 1’ discount on movie tickets through specific partner platforms. You need to select the Standard Chartered Bank offer on the order summary page and use your DigiSmart card for payment. This benefit is typically available once per month.
What are the travel benefits with the Standard Chartered DigiSmart Credit Card?
The DigiSmart Credit Card provides up to 25% off on domestic hotel bookings, with a maximum discount of ₹4,000 per transaction. This offer is valid for one transaction per calendar quarter using a specific promo code. IT also offers 15% cashback on Ola rides, capped at ₹600 per month.
What are the eligibility criteria for the Standard Chartered DigiSmart Credit Card?
To apply for the Standard Chartered DigiSmart Credit Card, applicants typically need to be Indian residents between 21 and 65 years old. A stable income source and a good CIBIL score, usually above 700-750, are generally required. Specific income thresholds vary by bank policy and employment type.
How do I apply for the Standard Chartered DigiSmart Credit Card?
You can apply for the Standard Chartered DigiSmart Credit Card online through the Standard Chartered Bank website or via partner financial portals. The application process involves filling out an online form, submitting required documents like identity proof, address proof, and income proof, and completing a KYC verification. The bank will then assess your eligibility.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.