Standard Chartered DigiSmart Credit Card
Standard Chartered Bank · Visa
Why this card?
- 15% cashback on travel at Ola, up to ₹600 a month
- ₹588 annual fee
Card details
- Issuer
- Standard Chartered Bank
- Network
- Visa
- Annual Fee
- ₹588
- Joining Fee
- None
- Reward Type
- cashback
- Best Reward Rate
- 15% on travel at ola (capped at ₹600/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹50,000
- Rates verified
- 2026-10-06
Our verdict
Standard Chartered DigiSmart is a narrowly focused card built on merchant offers rather than a spend-based reward rate: 10% off at Blinkit (up to ₹1,000 a month) and Zomato (up to ₹150 per transaction, 5 transactions a month) with promo code DIGISMART, and 15% cashback on Ola cab bookings (up to ₹600 a month). The fee is ₹49 a month, waived on monthly spends of ₹5,000 in the next calendar month, which comes to ₹588 a year if never waived. The minimum monthly income is ₹50,000, and the offers are promotional and can change.
Pros
- 10% off at Blinkit and Zomato with promo code DIGISMART
- 15% cashback on Ola cab bookings
- Fee waived at ₹5,000 monthly spend — very achievable for the target audience
- Weekend buy-one-get-one INOX movie tickets
Cons
- No base reward on spends outside the partner offers
- No lounge access or travel benefits
- Offers carry monthly caps and can change, so the value is not a fixed rate of spend
- Monthly billing (₹49/month) rather than annual — requires active tracking to ensure waiver