Standard Chartered DigiSmart Credit Card
SC · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
50% on OTT & Entertainment
50% discount on Netflix (capped ₹300/month)
10% on Dining
10% discount on Swiggy and Zomato orders
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
50.0%
ott subscriptions cashback
1.0%
Base rate (all other spends)
₹300
Monthly cap (accelerated)
- 50% cashback on ott subscriptions
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹300/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
10.0%
Dining cashback rate
PARTNER PLATFORMS
- 10% cashback on dining and food delivery
- Accelerated earn on: Swiggy, Zomato
SC DigiSmart is built for people whose monthly spend is dominated by Netflix, Swiggy, BigBasket, and Amazon. 50% discount on Netflix (capped ₹300/month), 10% on Swiggy and BigBasket, 5% on Amazon — all cashback-to-statement. The ₹49/month fee is only charged in months you actually use the card, making it genuinely free if kept as a backup.
Who is this for?
Urban professionals aged 22–35 who pay for Netflix and order food online 4+ times a week. If your monthly Netflix + Swiggy + BigBasket bill exceeds ₹3,000, DigiSmart pays for itself and then some. Excellent as a secondary card dedicated to online services.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| OTT & Entertainment | cashback | 50% | ₹300 |
| Dining | cashback | 10% | ₹500 |
| Groceries | cashback | 10% | ₹500 |
| Online Shopping | cashback | 5% | ₹150 |
| Other | cashback | 1% | — |
OTT & Entertainment: 50% discount on Netflix (capped ₹300/month) · Netflix
Dining: 10% discount on Swiggy and Zomato orders · Swiggy,Zomato
Groceries: 10% discount on BigBasket and Grofers · BigBasket,Grofers
Online Shopping: 5% discount on Amazon purchases (capped ₹150/month) · Amazon
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: Netflix + Swiggy + BigBasket heavy users spending ₹4,000+/month on these, Young urban professionals who want partner cashback without a hefty annual fee, Secondary card dedicated purely to online entertainment and food delivery
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on OTT & Entertainment (50% back).
Pros
- 50% Netflix cashback capped ₹300/month — ₹3,600/year on Netflix alone
- 10% Swiggy + 10% BigBasket — covers most urban food and grocery spend
- ₹49/month fee charged only in months used — effectively free if parked
- 5% Amazon cashback (capped ₹150/month) — useful for regular Amazon shoppers
Cons
- All benefits are partner-specific — no value at non-listed merchants
- Monthly fee model requires discipline to track usage
- No lounge, no travel perks — purely an online-spend card
Eligibility & documents
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
All benefits are partner-specific — useless outside the listed merchants. You need to hold a separate rewards card for all other spending.
Bottomline
CardAdvisor Rating: 4.0 / 5DigiSmart's partner-specific discounts make it one of the best niche cards for OTT and food-delivery heavy users. The monthly fee model means you are never overpaying for a card you barely use.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Standard Chartered DigiSmart Credit Card are taken from SC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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