Standard Chartered DigiSmart Credit Card

Standard Chartered India · Open to apply

An online-spend card with merchant discounts and no reward points: 10% off Zomato and Blinkit, 15% cashback on Ola cabs, Yatra and INOX offers. A ₹49 monthly fee, waived on ₹5,000 of spend in the next month.

Annual fee
₹588 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹60,000 spend per card year
Base rate
No reward points on spends: 0% in Cashback and discounts (about 0% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Ola cab rides, 15% cashback (₹600 a month): 15% in Cashback and discounts (about 15% at cash value)
  • Zomato, 10% off (₹150 a transaction, 5 transactions a month): 10% in Cashback and discounts (about 10% at cash value)
  • Blinkit, 10% off (₹1,000 a month, 5 transactions a month): 10% in Cashback and discounts (about 10% at cash value)

Earns nothing on

  • No reward points on spends

Terms the calculator does not value

  • The monthly fee of ₹49 is waived when spend in the next calendar month is ₹5,000 or more (MITC fee table: "5,000 in next calendar month of fee levy"; page FAQ: reversed within 90 days). Entered as ₹588 a year waived at ₹60,000 of yearly spend, which assumes ₹5,000 every month; a holder who spends the same total unevenly pays for the months under ₹5,000.
  • Zomato and Blinkit discounts apply to 5 transactions a calendar month; the model has the rupee caps only.
  • The merchant discounts need a promo code and are subject to the merchants' own terms; they are valued as cashback at the stated rates and caps.

Sources

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