Standard Chartered India DigiSmart Credit Card

Charge

• Monthly fee: ₹49.
• APR 45% (3.75% per month) for all SC credit cards.
• Cash transactions 3.75% pm (45% APR).
• Late payment charges (w.e.f. 1 May 2024): ₹0 up to ₹100 outstanding.
• ₹100 for ₹101-500.
• ₹500 for ₹501-5,000.
• ₹700 for ₹5,001-10,000.
• ₹1,200 above ₹10,000.
• Plus ₹100 late fee if minimum amount due not received for 2+ consecutive months.
• Cheque bounce charges: ₹500.
• Over limit charges: ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
• Card replacement fee: NIL.
• Rewards handling charges: ₹99.
• Cash advance fee: 3% of withdrawal amount, minimum ₹300.
• Overseas transactions: 3.5% transaction fee (transactions at merchants registered overseas even if located in India attract 1% from Visa/MasterCard).
• Rental payments (w.e.f. 2 April 2023): 1% processing fee on transaction amount + applicable taxes (MCC 6513).
• Fuel surcharge: ₹10 or 1% of transaction whichever is higher (MCC 5172, 5541, 5542, 5983).
• Cheque/cash pick up fee: ₹100 for overdue card accounts.
• Cash repayment fee: ₹299 for cash payment of card bills at any SC branch.
• Paper statement fee: ₹99 per month if opting for both paper and electronic statement.
• Branch service handling charges: ₹199.
• Phone banking self service IVR calls: FREE.
• GST applicable over and above charges.

Verified · Standard Chartered India – Credit Cards General Terms & Conditions · 2026-08-02 · source

Interest-free period

• Interest-free credit period can range from 18-48 days to 25-55 days depending on your payment due date (payment due date is between 18 and 25 days after the statement date).
• The interest-free period does not apply for cash advances and revolving balances.

Verified · Standard Chartered India – Credit Cards General Terms & Conditions · 2026-08-02 · source

Fuel surcharge waiver

• Fuel surcharge: INR 10 or 1% of transaction (whichever is higher) on fuel transactions (MCC 5172, 5541, 5542, 5983).
• Rate may vary depending on acquiring bank of the merchant.

Verified · Standard Chartered India – Credit Cards General Terms & Conditions · 2026-08-02 · source

Milestone benefit

• Inox: Buy 1 and Get 1 on movie tickets purchased on the INOX platform for shows on Saturdays and Sundays (weekend).
• Available only twice in a calendar month.
• 2 transactions per card every calendar month subject to maximum discount of ₹200 per transaction.
• No minimum spend required.

Verified · DigiSmart Credit Card – Product Terms & Conditions · 2026-08-02 · source

Redemption value

• Cashback will be processed within 60 days from the end of the month in which the transaction was done.
• All cashbacks are capped at customer level (primary and supplementary jointly).
• To avail discounts, cardholder must enter E-Coupon 'DIGISMART' on the merchant App/Website.

Verified · DigiSmart Credit Card – Product Terms & Conditions · 2026-08-02 · source

Reward cap

• Ola: max cashback ₹600 per calendar month.
• Zomato: instant discount not exceeding ₹150 per transaction, 5 transactions per calendar month.
• Blinkit: 10% discount subject to max ₹1,000 per calendar month, 5 transactions per calendar month.
• Inox: max discount ₹200 per transaction, 2 transactions per calendar month.
• Yatra domestic flight max ₹750, international flight max ₹10,000, domestic hotel max ₹4,000 (each 1 transaction per quarter).
• All cashbacks capped at customer level (primary and supplementary jointly).
• Discounts capped at card level.

Verified · DigiSmart Credit Card – Product Terms & Conditions · 2026-08-02 · source

Reward exclusion

Verified · DigiSmart Credit Card – Product Terms & Conditions · 2026-08-02 · source

Insurance

• Complimentary insurance is provided by Standard Chartered Bank only on the Standard Chartered Priority Visa Infinite credit card and Ultimate credit card (and Beyond credit card) - not stated for DigiSmart.
• Cash-back/merchant credit amount is reflected as a credit in the card statement and adjusted against card outstanding.

Verified · Standard Chartered India – Credit Cards General Terms & Conditions · 2026-08-02 · source

Eligibility

• Supplementary/add-on cards may be issued (number varies across card variants at the Bank's sole discretion).
• Benefits on the card are personal to the cardholder and non-transferable.
• Existing SCB credit card owners can also apply for the DigiSmart card.

Verified · DigiSmart Credit Card – Product Terms & Conditions · 2026-08-02 · source