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Standard Chartered DigiSmart Credit Card
Standard Chartered's digital-first card with 5% cashback on Flipkart and Myntra, 3% on utility bills — designed for online shoppers who want straightforward savings.
Secure application on Standard Chartered's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for Standard Chartered DigiSmart Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
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Key Features
- Strong online shopping cashback — 5% on Flipkart/Myntra
- Utility bill savings add up over the year
- Simple cashback structure — no points complexity
- Zero joining fee
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.2L / year
Documents
Rewards Program
Standard Chartered DigiSmart Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹35,280 in the best category to earn rewards equal to the ₹588 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Strong online shopping cashback — 5% on Flipkart/Myntra
- •Utility bill savings add up over the year
- •Simple cashback structure — no points complexity
- •Zero joining fee
Shopping
- •Cashback on Spends
- •Discount Vouchers
Pros
- Strong online shopping cashback — 5% on Flipkart/Myntra
- Utility bill savings add up over the year
- Simple cashback structure — no points complexity
- Zero joining fee
Cons
- Annual fee of ₹499 (waivable on ₹1L spend)
- Online cashback capped at ₹1,000/month
- No airport lounge access
- SC branch network focused mainly on metro cities
Required Documents
Keep these documents ready before applying for Standard Chartered DigiSmart Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | Nil |
Annual Fee From second year onwards | ₹588 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the Standard Chartered DigiSmart Credit Card today and start earning rewards on every spend.
● Secure application on Standard Chartered's official site