Standard Chartered DigiSmart
Keep₹49 a month, ten percent off Blinkit and Zomato, and not one reward point anybody has ever published.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — SC advertises no welcome bonus, points or fee waiver on DigiSmart
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Standard Chartered publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #400
Why #400 Carried, not ranked: Standard Chartered publishes no per-swipe earn rate for DigiSmart at all — the card pays in promo-code discounts at a fixed list of merchants, and a discount is not a rate. The fee is fully sourced and the discounts are individually capped, so the page states what it can and refuses to invent a reward rate the bank has never printed.
The take
DigiSmart is the odd card on Standard Chartered's shelf and the odd card in this whole data set: it charges by the month and it pays by the promo code. ₹49 a month, waived if you spend ₹5,000 in the following calendar month, on the primary AND on every supplementary — the only row in SC's tariffs table where the add-on carries the primary's charge. What you get back is a fixed merchant list, each entry with its own ceiling: 10% off Blinkit with no minimum spend, five transactions a month, ₹1,000 of discount a month; 10% off Zomato, five transactions a month, ₹150 a transaction; a buy-one-get-one INOX ticket on Saturdays and Sundays, twice a month, ₹200 a transaction; 20% off domestic flights at Yatra up to ₹750, 10% off international up to ₹10,000 and 25% off domestic hotels up to ₹4,000, each one transaction a quarter; and 15% cashback on Ola, capped at ₹600 a month. Every one of those needs the promo code DIGISMART except Ola and INOX. Add the ceilings up and a maximal user clears well over ₹20,000 a year on ₹588 of fees — but only by shopping exactly where SC says. What the bank has never published is a reward rate. There is no cashback percentage, no points-per-₹100, no earn table; the 360° tile on the page is the generic programme blurb every SC card carries. So this desk prices the fee, prints the caps, and declines to invent the earn — which is why the card is carried and not ranked. One more thing worth knowing before you apply: the live page still names Grofers, which has been Blinkit since 2021, so treat the merchant list as a snapshot.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 10% off Blinkit with no minimum spend — five transactions a month, up to ₹1,000 of discount a month, with promo code DIGISMART
- 10% off Zomato orders with no minimum spend — five transactions a month, up to ₹150 a transaction
- 20% off domestic flights (up to ₹750), 10% off international (up to ₹10,000) and 25% off domestic hotels (up to ₹4,000) at Yatra — one transaction per quarter per category
- 15% cashback on Ola cab bookings, up to ₹600 a month, with no promo code needed
- Buy-one-get-one INOX movie ticket on Saturdays and Sundays — two transactions a month, ₹200 a transaction
Watch out
- Standard Chartered publishes no reward rate for this card — no cashback percentage and no points-per-₹100 — so it cannot be valued, compared or put through the calculator
- The ₹49 fee is levied and waived MONTH BY MONTH: the waiver needs ₹5,000 of spend in the calendar month after the month the fee was charged, so a year of ₹60,000 spent unevenly still pays in its thin months
- The ₹49 monthly charge applies to supplementary cards too — SC's tariffs table prints it in all three columns
- Every discount is a separate promo-code offer at a named merchant with its own transaction count and rupee cap; there is no general spend benefit
- The live product page still names Grofers, a brand retired in 2021 — the merchant list is not maintained in step with the page
- Forex is 3.5% and there is no lounge access; the Yatra flight discount is the only travel benefit
- Revolves at 3.75% a month, an APR of 45%
What these points actually fly
Standard Chartered has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹60,000 a year is the bar that waives the ₹588 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Standard Chartered states what the Standard Chartered DigiSmart earns, but has not published which spend categories count toward the fee waiver — the ₹60,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Standard Chartered publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
THE ONLY MONTHLY-FEE CARD ON THIS BOARD. SC's own words: "The DigiSmart credit card has no annual fee. Instead, clients will be charged a modest sum of INR 49 per month. This is waived on monthly spends of INR 5000 in the next calendar month of fee levied." The tariffs table prints "DigiSmart | 49 (monthly) | 49 (monthly) | 49 (monthly)". The waiver is applied MONTH BY MONTH, so an uneven year still pays in its thin months. The card file annualises the charge to ₹588 because every fee surface on this site is a yearly number. NO PER-SWIPE EARN IS PUBLISHED — no cashback percentage, no points-per-₹100, no earn table — so the card file is carried without a valued earn rate. What it pays instead is five capped promo-code discounts: 10% off Blinkit (5 transactions a month, ₹1,000 a month), 10% off Zomato (5 a month, ₹150 a transaction), BOGO INOX tickets on Saturdays and Sundays (2 a month, ₹200 a transaction), 20%/10%/25% off Yatra domestic flights (≤₹750), international flights (≤₹10,000) and domestic hotels (≤₹4,000) at one transaction per quarter per category, and 15% cashback on Ola capped at ₹600 a month. Blinkit, Zomato and Yatra need the promo code DIGISMART; Ola and INOX do not. The live page still names Grofers, retired in 2021. NO LOUNGE ACCESS. Visa.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.