Standard Chartered DigiSmart Credit Card
Digital-first credit card with 5% cashback on online shopping and dining
Travel Benefits
Lounge access & travel insurance
Cashback Rewards
Up to 5% cashback on spends
Zero Liability
100% fraud protection
Joining Charges
₹ 499
Annual Fee: ₹ 499
Major Benefits
Complimentary Airport Lounge Access
Access to 1000+ airport lounges worldwide with unlimited visits
Accelerated Reward Points
Earn 4X reward points on dining, travel, and online shopping
Dining Privileges
1+1 offers at premium restaurants and exclusive dining experiences
Comprehensive Insurance Coverage
Travel insurance, purchase protection, and extended warranty benefits
About This Card
<h2>Standard Chartered DigiSmart Credit Card Overview</h2><p>The Standard Chartered DigiSmart Credit Card is perfect for digital natives. Earn 5% cashback on online shopping, dining, and entertainment. Manage your card entirely through the mobile app.</p><h3>Key Benefits</h3><ul><li>5% cashback on online shopping, dining, and entertainment</li><li>2% cashback on all other spends</li><li>Welcome bonus of ₹500 cashback</li><li>100% digital onboarding and management</li><li>Instant virtual card issuance</li></ul><h3>Fees & Charges</h3><ul><li>Joining Fee: ₹499</li><li>Annual Fee: ₹499 (Waived on annual spends of ₹1.5 lakhs)</li></ul>
Key Features & Benefits
Welcome bonus of 5,000 reward points
4 complimentary airport lounge access per year
Fuel surcharge waiver at all petrol pumps
1% cashback on all online transactions
Zero liability on lost card transactions
EMI conversion facility available
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
Age
21 - 60 years
Income
₹3 Lakhs per annum
Employment
Salaried or Self-Employed
Credit Score
750 or above