DigiSmart Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Standard Chartered Bank
Network: Visa | Tier: Entry
Ecommerce discounts
Why Choose the DigiSmart Credit Card?
The DigiSmart Credit Card is a Entry-tier Visa credit card issued by Standard Chartered Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Online users. With a reward rate of Cashback and an annual fee of 588/year, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the 49/month joining fee.
DigiSmart Credit Card Fees & Charges
| Annual Fee | 588/year |
|---|---|
| Joining Fee | 49/month |
| Interest Rate | 3.75% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
DigiSmart Credit Card Rewards & Benefits
| Reward Rate | Cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Online users |
Key Highlights of the DigiSmart Credit Card
- Ecommerce discounts
- Cashback
DigiSmart Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the DigiSmart Credit Card
- Discount heavy
Drawbacks of the DigiSmart Credit Card
- Monthly fee
DigiSmart Credit Card — Frequently Asked Questions
What is the annual fee of the DigiSmart Credit Card?
The DigiSmart Credit Card has an annual fee of 588/year and a joining fee of 49/month. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the DigiSmart Credit Card offer airport lounge access?
No, the DigiSmart Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the DigiSmart Credit Card?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the DigiSmart Credit Card?
The DigiSmart Credit Card earns Cashback. It is best suited for Online users.
Credit Cards Similar to the DigiSmart Credit Card
If you are considering the DigiSmart Credit Card, these co-branded credit cards are worth comparing before you apply:
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
Expert Rating: 4.4/5