Standard Chartered DigiSmart Card
Apply for the best credit card of Standard Chartered Bank
Welcome Benefits
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Standard Chartered DigiSmart Card: Fees & Charges
| Type of fee or charge | Amount (Rs.) |
|---|---|
| Joining Fee: | ₹ 50+ GST Per Month |
| Annual/Renewal Fee: | ₹ 50+ GST Per Month |
| Finance Charges: | 3.75% per month (45.0% annually) |
| Spend Based Waiver: | This is waived on monthly spends of INR 5000 in the next calendar month of fee levied. |
| Over Limit Penalty: | 2.5% of overlimit amount, subject to a minimum of 500/- |
| Rent Payment charges | 1% Processing fee transaction amount |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
| Total Amount Due/Statement Balance | Late Payment Charges |
|---|---|
| Less than or equal to 100 | NIL |
| Above 100/- and up to 500 | 100 |
| Above 500/- and up to 5000 | 500 |
| Above 5,000/- and up to 10,000 | 700 |
| Above 10,000/- | 1200 |
Eligibility criteria
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net monthly income of 50,000/- or more and Self-Employed Individuals/Professionals: A minimum annual income of 6 lakhs.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof
Document Requirements
1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof
Other Information
Frequently Asked Questions
What is the annual fee of Standard Chartered DigiSmart Card?
The Annual fees of Standard Chartered DigiSmart Card is 50+ GST Per Month.
What is the interest rate on the Standard Chartered DigiSmart Card?
The Standard Chartered DigiSmart Card has an interest rate of 3.75% per month (45.0% annually)
Are there foreign transaction fees on the Standard Chartered DigiSmart Card?
Yes, The Standard Chartered DigiSmart Card charges a 3.5% fee for all transactions in foreign currency .
What is the credit limit of Standard Chartered DigiSmart Card?
The credit limit for the Standard Chartered DigiSmart Card is based on multiple factors, such as your income, repaying capacity, and credit history. Standard Chartered Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Standard Chartered Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.
Card other Details
Standard Chartered DigiSmart Card Credit Limit: Up to ₹10 Lakh