SC DigiSmart Review 2026
Last reviewed:
Quick verdict
Standard Chartered's free digital card for online shoppers who want zero annual fee hassle. The 5% cashback on Flipkart, Myntra, Swiggy, and Zomato covers the most popular e-commerce platforms. A solid choice if you want SC's international banking reputation without paying any annual fee.
Pros
- Lifetime free — no joining or annual fee
- Accessible eligibility — minimum income around ₹20,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Fees & charges at a glance
| Joining Fee | Nil |
|---|---|
| Annual Fee | Lifetime Free |
| Rewards | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Welcome Benefit | None |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹20,000/month |
| Network | Mastercard |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The SC DigiSmart is best suited for online shopping. It is a cashback card on the Mastercard network, and Standard Chartered generally looks for a minimum income of ₹20,000/month. If your spending matches its reward categories (5% cashback on flipkart, myntra, swiggy, zomato), the card can pay for its annual fee of Lifetime Free. If not, a lifetime-free card may give you better net value.
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SC DigiSmart: frequently asked questions
What is the annual fee of the SC DigiSmart?
The SC DigiSmart has a joining fee of Nil and an annual fee of Lifetime Free. Since it is lifetime free, you never pay a renewal fee.
What rewards does the SC DigiSmart give?
5% cashback on Flipkart, Myntra, Swiggy, Zomato. No annual fee ever. 5% cashback on top online brands.
Does the SC DigiSmart offer airport lounge access?
No. The SC DigiSmart does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the SC DigiSmart?
Standard Chartered typically requires a minimum income of ₹20,000/month for the SC DigiSmart, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the SC DigiSmart?
The SC DigiSmart charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the SC DigiSmart?
The foreign currency markup on the SC DigiSmart is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the SC DigiSmart to UPI?
No. The SC DigiSmart runs on the Mastercard network. Only RuPay credit cards can be linked to UPI in India at present.
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