Is Standard Chartered DigiSmart good for travel?

Standard Chartered DigiSmart is a cashback card from SC. It is not primarily a travel card, but may offer some travel benefits.

SC • cashback

Standard Chartered DigiSmart

Q: What is the annual fee of Standard Chartered DigiSmart?

The annual fee for Standard Chartered DigiSmart is Rs.49 + GST.

Q: How to apply for Standard Chartered DigiSmart?

You can apply for Standard Chartered DigiSmart online through SC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 49

Annual Fee

Rs. 49

Joining Fee

Visa/Mastercard

Network

cashback

CreditIQ Verdict

The Standard Chartered DigiSmart is a cashback credit card from SC with an annual fee of Rs.49. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Key Benefits

20% off Netflix/Prime (up to ₹200/month)

Fees & Charges

Annual FeeRs. 49 + GST

Joining FeeRs. 49 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on cashback regularly

+ Spend Rs.196+ per month

+ Have a good credit score (750+)

+ Earn Rs.0.2L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of Standard Chartered DigiSmart?

The annual fee is Rs.49 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on Standard Chartered DigiSmart?

Standard Chartered DigiSmart offers 1. Check the benefits section above for category-specific accelerators.

How to apply for Standard Chartered DigiSmart?

You can apply online through SC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

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Quick facts

Annual feeRs.49

NetworkVisa/Mastercard

BankSC

Other SC cards

Standard Chartered Ultimate

Rs.5,000 annual fee

Standard Chartered Smart Credit Card

Rs.0 annual fee