Note: Standard Chartered Bank will not be accepting new applications for Digismart Credit Card from 15th Dec 2022. Existing cardholders will continue to avail the benefits on the card.
|Standard Chartered DigiSmart Credit Card Rating|
Annual Fee ★★★★
Travel Benefits ★★
Offers & Discounts ★★★★
|Overall Rating ★★★|
Standard Chartered DigiSmart credit card comes with benefits on various brands that you can avail of online shopping. This credit card helps the cardholders save money and earn big on shopping. Cardholders who are looking for discounts on big brands and don’t have a Standard Chartered credit card yet, can apply for the same. Here are some of the best offers Standard Chartered DigiSmart credit card is popular for:
Key Highlights of Standard Chartered DigiSmart Credit Card
Great Discounts with Standard Chartered DigiSmart Credit Card
DigiSmart Credit Card does not offer reward points to its users but has an extensive program for discounts on top brands across categories. Some of its noteworthy offers include-
Myntra: If you often find yourself fiddling through Myntra’s fashion categories, this is a good deal for you. With SCB DigiSmart Credit Card, you will get 20% off on shopping at Myntra with no minimum spends. Valid on 1 transaction per month with a maximum discount of INR 700.
Grofers (now Blinkit): If you shop for groceries online, you can get 10% off on your order at Grofers (now Blinkit). By using the promo code DIGISMART, you can get a discount of Rs.1,000 per month, valid on five transactions every month. No minimum spends are required to get this discount.
Zomato: For all the foodies, Standard Chartered Bank brings an exclusive discount on Zomato online orders. Get a 10% discount on using the promo code DIGISMART, with no minimum spends. Valid for 5 transactions per month with a maximum discount of INR 150 per transaction.
INOX: For all the movie buffs, Standard Chartered’s DigiSmart credit card comes with a BOGO offer. Valid on Saturday and Sunday only. Valid for 2 transactions per month with a maximum discount of INR 200 per transaction.
Yatra: Get the best travel deal with Yatra using a Standard Chartered DigiSmart credit card. Valid for 1 transaction per quarter, per category. Use promo code: DIGISMART.
- 20% discount at Yatra on domestic flights with a maximum discount of INR 750
- 10% discount* on international flights with a maximum discount of INR 10,000
- 25% discount* on domestic hotels with a maximum discount of INR 4,000
OLA: On using Ola cabs, you can get 15% cashback on Ola rides with a maximum cashback of Rs.600 per month with this credit card.
Suggested Read: Standard Chartered Bank Credit Card
What are the fee & charges of DigiSmart Credit Card?
Wondering how much fee would you have to give every year for this credit card? Well, the unique feature of this card is that it charges a monthly fee of just Rs.49, which is also waived off on spending Rs.5000 in the previous month. If you are willing to apply for a supplementary card with this, the charges remain the same.
This happens to be a great deal for those individuals who wish to own a credit card but do not want to spend a lot on joining and/or annual fee. Also, keeping its low annual fee in mind, the discounts and services offered by Standard Chartered DigiSmart credit card are quite decent.
Should you get this credit card?
Standard Chartered DigiSmart credit card is a beginner level credit card that comes with a monthly fee of just Rs.49. It is a viable option if you frequently use Myntra, Ola, Yatra, BookMyShow, and other merchants mentioned above. But, if you do not use these merchants then this card may not be of much use to you.
The card comes with various offers on travel, dining and majorly on online shopping. The monthly fee of this card also makes it exciting for the millennials. On the other hand, there are some other credit cards in the Indian market that can be preferred over SCB DigiSmart. HDFC Millennia, ICICI Amazon and Flipkart Axis are some other alternatives that are good for online shopping and reward points. Here are some other drawbacks of this card:
- There is no airport lounge access with this credit card which remains a big drawback.
- Apart from the discounts with the selected brands, the cardholders don’t earn reward points or cashback in any other form.
For individuals who are looking for a basic credit card, with discounts on different brands, this credit card might be a good option. Its basic monthly fee with amazing discounts makes it stand out from the credit cards by other banks. This is a great choice for millennials who wish to do everything online – be it shopping, travel or order food. Needless to mention, you should always compare the different credit cards by other banks in order to grab the best discounts and offers.
The charges of Rs.49 for DIGISMART credit card os for 1st month or all 12 month in a year?
Monthly fee of Rs. 49 will be levied every month. You can get this fee waived off by spending Rs. 5,000 or more per month.