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Last updated: 01-06-2026
SC DigiSmart Credit Card
Standard Chartered Bank

SC DigiSmart Credit Card

"Standard Chartered's digital-first card โ€” lifetime free with 2% cashback on online spends up to โ‚น500 per month and zero joining fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Entry-level Standard Chartered customers who want a no-fee digital card with online cashback; those who want to build credit history with SC at zero cost
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as statement credit
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on Standard Chartered India website
๐Ÿ’ฐ Reward Rate
2% cashback on online spends โ€” capped at โ‚น500 per month; 1% cashback on offline spends โ€” capped at โ‚น500 per month; excludes fuel, utilities, EMI, cash, government, rent, wallet
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
๐Ÿ’ต Cashback Rate
2% online (capped โ‚น500/month); 1% offline (capped โ‚น500/month)
โญ Rate this Card
Click to rate
โœ… Pros
  • Completely lifetime free
  • 2% online cashback (auto-credited)
  • Instant virtual card on approval
  • Digital-first onboarding
  • Fuel surcharge waiver
  • Good SC credit-building starter card
โŒ Cons
  • Online cashback capped at โ‚น500/month โ€” limits heavy spenders
  • No lounge access
  • High forex markup 3.5%
  • High interest rate 3.75%/month
  • Select city availability
  • SC Smart card offers uncapped 2% โ€” better for high online spenders

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as statement credit
Welcome Benefits
Check current welcome offer on Standard Chartered India website
Reward Rate
2% cashback on online spends โ€” capped at โ‚น500 per month; 1% cashback on offline spends โ€” capped at โ‚น500 per month; excludes fuel, utilities, EMI, cash, government, rent, wallet
Reward Redemption
Cashback auto-credited as statement credit โ€” no redemption needed
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
No specific milestones; continuous cashback
Other Benefits
2% online + 1% offline cashback; entirely digital onboarding; instant virtual card; fuel surcharge waiver; contactless payments; SC Mobile app management; EMI conversion

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2% online cashback; lifetime free; digital onboarding; instant virtual card

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum)
ATM Cash Withdrawal / Cash Advance
3% of withdrawn amount, minimum โ‚น300
Late Payment Charges
As per Standard Chartered prevailing slab
Over Limit Charges
As per Standard Chartered policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Online cashback capped at โ‚น500/month = max โ‚น6,000/year; offline capped at โ‚น500/month; high forex markup 3.5%; select city availability; high interest rate 3.75%/month

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; minimum annual income โ‚น3.6 lakh (โ‚น30,000/month); Indian resident in eligible cities
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and SC assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น5,000
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per SC prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SC Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Instant virtual card on approval
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-267-8282 (toll-free)
Chat / Email Support
Chat via SC website and SC Mobile app
Mobile App
SC Mobile app
Online Banking
Standard Chartered India website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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