DigiSmart Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Standard Chartered Bank
Network: Visa | Tier: Entry
The DigiSmart Credit Card is an Entry Visa credit card issued by Standard Chartered Bank, best suited for online users. It carries a joining fee of 49/month and an annual fee of 588/year, with an interest rate of 3.75% per month. Key benefits include Ecommerce discounts and Cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹3,00,000/year to qualify. It falls under the Co-branded, Shopping, Fuel, and Rewards category on CreditCardHunt.
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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 — a highlight among Standard Chartered Bank's entry lineup.
Drawbacks of the DigiSmart Credit Card
- Monthly fee may not suit every applicant.
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:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
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- Read our credit card guides & FAQ.
Expert Rating: 4.4/5