Card Image
Standard Chartered DigiSmart
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00 - ₹2.00
Normalized to balance base rate with bonus categories
Interest Rate
41.40%
Credit Score
680+
At a Glance
Key Benefits
Cashback rewards, Lifetime free
Lounge Access
No lounge access
Eligibility
Any income level, CIBIL: 680+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
41.40% p.a.
#82
Forex Markup
3.50%
#75
Rewards/₹100
₹1.00 - ₹2.00
#143
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
680+
#38
Min Monthly Income ₹NaN
Network MASTERCARD
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Reward Structure
Base
All Spends
₹1.00 /₹100
Base
Online
₹2.00 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Milestone
Bonus rewards on reaching Rs. 50,000 spend
Spend ₹50,000 within 365 days
₹500
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
A solid lifetime free card for those looking for a no-fee entry option.
Pros
- Lifetime free, no annual fee, easy approval, online shopping cashback
Cons
- Basic reward rate, no lounge access
Best For
Lifetime free card, digital shopping, entry-level
Not Ideal For
Basic rewards, limited benefits
Frequently Asked Questions
What is the annual fee for Standard Chartered DigiSmart?
The annual fee is Rs. 0.
What are the eligibility requirements for Standard Chartered DigiSmart?
A good credit score of 680+ is recommended. Income requirements vary based on your relationship with the bank.
Does Standard Chartered DigiSmart offer lounge access?
This card does not include complimentary lounge access as a primary benefit.
What rewards does Standard Chartered DigiSmart offer?
The card offers reward value ranging from 0.50% to 1.00% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 3.50% on international transactions.
Which payment network does Standard Chartered DigiSmart use?
The card is issued on the Mastercard network.
User Reviews
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