DigiSmart Credit Card
Rs 588Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Online Shopping, Food Delivery, Movies, Travel
Top rewards
Partner Discount Offers: Offer-led savings via promo code DIGISMART
First Preferred Credit Card
Rs 999Annual fee
Rs 2,50,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of ₹75,000 in the previous calendar quarter.
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 complimentary international lounge visits per calendar year
1.75%Forex markup
Best for
Travel, Dining, Lounge, Movies, Golf
Top rewards
Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent
| Feature | DigiSmart Credit Card | First Preferred Credit Card |
|---|---|---|
| Issuer | Standard Chartered | YES Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 49 | Rs 999 |
| Annual fee | Rs 588 | Rs 999 |
| Fee waiver spend | - | Rs 2,50,000 |
| Reward type | Offer-Led Savings | YES Rewardz Points |
| Best for | Online Shopping, Food Delivery, Movies, Travel | Travel, Dining, Lounge, Movies, Golf |
| Top reward categories | Partner Discount Offers: Offer-led savings via promo code DIGISMART | Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 4 |
| Forex markup | 3.5% | 1.75% |
| Milestone benefits | Monthly fee of ₹49 is waived on spending ₹5,000 or more in the previous calendar month | Not Listed |
| Redemption | Not Listed | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including monthly fee and finance charges) | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |