Standard Chartered DigiSmart Credit Card
The DigiSmart has one of the smartest fee models in Indian credit cards. There is no annual fee at all — instead a ₹49 monthly fee that Standard Chartered reverses in any month you spend ₹5,000, so the card costs nothing in every month you actually use it. The value comes entirely from partner discounts, not from points — Standard Chartered awards no reward points on DigiSmart spends. Today that means 10% off Blinkit (capped ₹1,000/month), 10% off Zomato (max ₹150 a transaction, five a month), buy-one-get-one INOX movie tickets at weekends, 15% cashback on Ola (₹600/month cap) and instant discounts on Yatra flights and hotels. Apply with the promo code DIGISMART where the partner asks for one.
Key features
What this card is built to do — the highlights that actually matter.
15% on 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.
10% on Groceries
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
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | cashback | 15% | ₹600 |
| Groceries | cashback | 10% | ₹1,000 |
| Dining | cashback | 10% | ₹750 |
| Other | cashback | 0% | — |
Fees & charges
| 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.
movie ticket ~ ₹2,400 /yr
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.
Strongest value if you spend heavily on Travel ( 15% back).
✓ 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
Age
21 –65 years
Min. income
₹50,000 /mo
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.
Statement credit Direct cash adjustment — no conversion
The concern 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.
The bottom line
DigiSmart offers practical utility as a focused lifestyle discount card. For users who frequently spend on Blinkit, Zomato, Ola, and INOX, the recurring merchant savings readily surpass the ₹49 monthly fee—which is eliminated upon reaching ₹5,000 in monthly spends. Because non-partner transactions yield zero rewards, the card is not designed as a standalone everyday driver, but rather as an effective secondary tool to capture instant discounts alongside a primary rewards card.
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 verified 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.
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 · 3 changes · last change Mar 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 1 change — 1 cut
▼ Benefit Effective 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 1 change — 1 cut
▼ Fee Effective 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 1 change — 1 neutral
◆ Launch Effective 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: Standard Chartered DigiSmart Credit Card value timeline — CardAdvisor
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Source: Standard Chartered DigiSmart Credit Card value timeline , CardAdvisor (CC BY 4.0).
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Quick summary
Type Mid credit card
Reward rate 0%–15%
Best for Blinkit and Zomato regulars who will use the discounts most months
Joining fee Free
Annual fee ₹588
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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