In-depth review
Standard Chartered DigiSmart Credit Card
The DigiSmart has one of the smartest fee models in Indian credit cards — no annual fee, just ₹49/month, reversed the moment you spend ₹5,000 — wrapped around sharp partner discounts on delivery, groceries, movies and rides. There are no reward points at all, so it lives or dies on whether you actually use Blinkit, Zomato, Ola and INOX.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
15% cashback at Ola, Yatra
15% cashback on Ola cabs (₹600/mo cap, joint with supplementary; excludes bike, auto, share). Yatra (code DIGISMART) — 20% off domestic flights (max ₹750), 10% off intl flights (min booking ₹20,000, max ₹10,000), 25% off domestic hotels (max ₹4,000); 1 txn per category per quarter.
10% cashback at Blinkit
10% instant discount on Blinkit with promo code DIGISMART. No minimum spend, 5 transactions per calendar month, maximum ₹1,000 discount per month.
Annual Fee Waiver
Fee of ₹588 + 18% GST (₹694 all-in)/yr fully waived when you spend ₹60,000/year
Movie Ticket Benefit
Buy-one-get-one free on INOX movie tickets, Saturdays and Sundays — up to 2 transactions a calendar month, maximum ₹200 discount per transaction
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
15.0%
travel cashback
₹600
Monthly cap (accelerated)
- 15% cashback on travel
- Accelerated cashback capped at ₹600/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Zomato
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy-one-get-one free on INOX movie tickets, Saturdays and Sundays — up to 2 transactions a calendar month, maximum ₹200 discount per transaction
Urban online spenders who order on Blinkit and Zomato, ride Ola and watch films at INOX, and want those discounts without carrying an annual fee. Best held alongside a proper rewards card that handles general spending.
Full reward structure
What you earn on every rupee, per spend category — as of 7 Aug 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at Ola, Yatra | cashback | 15% | ₹600 |
| Groceriesonly at Blinkit | cashback | 10% | ₹1,000 |
| Diningonly at Zomato | cashback | 10% | ₹750 |
| Other | cashback | 0% | — |
Travel: 15% cashback on Ola cabs (₹600/mo cap, joint with supplementary; excludes bike, auto, share). Yatra (code DIGISMART) — 20% off domestic flights (max ₹750), 10% off intl flights (min booking ₹20,000, max ₹10,000), 25% off domestic hotels (max ₹4,000); 1 txn per category per quarter. · Ola, Yatra
Groceries: 10% instant discount on Blinkit with promo code DIGISMART. No minimum spend, 5 transactions per calendar month, maximum ₹1,000 discount per month. · Blinkit
Dining: 10% instant discount on Zomato with promo code DIGISMART. No minimum spend, maximum ₹150 per transaction, 5 transactions per calendar month. · Zomato
Other: No base earn — Standard Chartered awards no reward points on DigiSmart spends (product T&C, cl. 4). All value comes from the partner discounts below. ₹49/month fee is reversed if you spend ₹5,000 in the following calendar month.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 7 Aug 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹694 |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,400/yr in total.
Buy-one-get-one free on INOX movie tickets, Saturdays and Sundays — up to 2 transactions a calendar month, maximum ₹200 discount per transaction
Should you get it?
- Best for: Blinkit and Zomato regulars who will use the discounts most months, Young urban professionals who want partner discounts without an annual fee, A secondary card dedicated to online food, groceries, cabs and cinema
- Mid tier — a solid all-rounder for steady monthly spend.
- Earns nothing on ordinary spend — its only earn is 15% at Ola, Yatra, and only there.
Pros & cons
✓ Pros
- No annual fee — ₹49/month, and that is reversed in any month you spend ₹5,000
- 10% off Blinkit (up to ₹1,000/month) — real money off weekly grocery runs
- 10% off Zomato, five orders a month, with no minimum spend
- 15% cashback on Ola (₹600/month cap) plus buy-one-get-one INOX tickets at weekends
- Instant discounts on Yatra — 20% off domestic flights, 25% off domestic hotels
✕ Cons
- No base rewards at all — spend outside the partner list and the card earns nothing
- All value is partner-specific, so it only works if you already use Blinkit, Zomato, Ola or INOX
- Standard Chartered can change or remove partners at its discretion (Myntra was dropped in 2025)
- No lounge access and a 3.5% forex markup — purely a domestic online-spend card
Eligibility & documents
This is the figure for salaried applicants. Where Standard Chartered sets a separate one for the self-employed, its own eligibility page gives it.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Benefits are instant discounts and cashback at partner brands, not redeemable points
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
All value is locked to a handful of merchants and there is no base earn rate whatsoever — spend outside Blinkit, Zomato, Ola, INOX and Yatra and the card returns zero. Standard Chartered can also change or drop partners at its discretion, as it did when Myntra left the programme.
Frequently asked questions
Can I apply for the DigiSmart in 2026?
How does it reward spends?
What is the fee?
Do I need a promo code?
How has the Standard Chartered DigiSmart Credit Card changed over time?
Has the Standard Chartered DigiSmart Credit Card been devalued recently?
When did the Standard Chartered DigiSmart Credit Card's fees last change?
The bottom line
A genuinely clever niche card. If your month already includes Blinkit, Zomato, Ola or INOX, the partner discounts comfortably outrun the ₹49 monthly fee — which disappears entirely the moment you spend ₹5,000. Just go in knowing it is a discount card, not a rewards engine: outside the partner list it earns nothing at all, so it belongs beside a strong everyday card rather than replacing one.
How this page was built
Counted from this card’s own record: 4 earn rules, 3 of them capped, 3 paid only at named merchants and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 7 Aug 2026.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered DigiSmart Credit Card are taken from Standard Chartered's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 7 Aug 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · last change Mar 2025
2025
- ▼ BenefitEffective 1 Mar 2025
Myntra 20% instant discount withdrawn
20% off Myntra, up to ₹700/month→Myntra offer removed
Standard Chartered discontinued the DigiSmart card's flagship Myntra benefit — a 20% instant discount capped at ₹700 a month — with effect from 1 March 2025. It was one of the card's headline partner offers, so its removal materially thins the discount roster for holders who shopped on Myntra.
Verification: CardAdvisor Research · Confidence: High
2023
- ▼ FeeEffective 2 Apr 2023
1% fee added on rent payments
No rent-payment fee→1% of the rent transaction
Standard Chartered began levying a 1% processing fee on all rental payments made with its credit cards, effective 2 April 2023. This was a bank-wide change that applied to the DigiSmart, which was already in issue at the time, though it bites only holders who route rent through the card.
Verification: CardAdvisor Research · Confidence: High
2019
- ◆ LaunchEffective Sept 2019
DigiSmart launched
Standard Chartered launched the DigiSmart as a subscription-style discount card aimed at online spenders, charging a ₹49 monthly fee that is reversed in any month the holder spends ₹5,000. Rather than reward points, it paid instant discounts and cashback at partner brands such as Myntra, Grofers, Zomato, Ola, Yatra and INOX.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sc-digismart#value-timeline">Standard Chartered DigiSmart Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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