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Standard Chartered Bank DigiSmart Credit Card – For Travel & Online Shopping

Home Standard Chartered Bank Credit Card Standard Chartered Bank DigiSmart Credit Card

Standard Chartered Bank has launched its all-in-one credit card i.e., DigiSmart Card. This credit card is best suited for people who frequently shop online. It also offers benefits on travel, dining, movies, and grocery purchases. Read on to know more about this card in detail.

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Updated: 31-01-2023 11:33:53 AM

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.

Key Highlights of Standard Chartered Bank DigiSmart Credit Card
Standard Chartered Bank DigiSmart Credit Card
Best Suited for Travel and Online Shopping
Monthly Fee Rs. 49 (waived off on spending Rs. 5,000 in a calendar month)
Minimum Income Requirement Rs. 50,000 per month
Best Feature 20% off on online shopping and flight bookings
Paisabazaar’s Rating ★★★ (3.5/5)

Also read: Best Standard Chartered Bank Credit Cards  | Check Eligibility & Apply for the Best Credit Cards

On this page
Standard Chartered Bank DigiSmart Credit Card: Features & Benefits
Standard Chartered Bank DigiSmart Credit Card: Fees & Charges
Standard Chartered Bank DigiSmart Credit Card: Eligibility & Documentation
Should you get this credit card?
Other Similar Credit Cards
FAQs

Standard Chartered Bank DigiSmart Credit Card: Features & Benefits

The credit card offers benefits for people who frequently travel or shop online. Some of the key features and benefits of this credit card are as follows:

Buy 1 Get 1 at INOX Cinemas

Buy One Get One offer on INOX movie tickets on Saturday and Sunday. This offer can be availed 2 times in a month, with a maximum discount of Rs. 200 per transaction*.

10% off on Grofers (now Blinkit)

10% off* (maximum discount of Rs. 1,000 per month) on online grocery purchases through Grofers. No minimum order value is required and 5 transactions can be made in a month (promo code: DIGISMART).

20% off on Myntra

20% discount* when shopping at Myntra, up to a maximum discount of Rs. 700. This offer is valid only once per month.

10% off on Zomato

10% discount* with no minimum spending value on your orders via Zomato. This offer is valid for 5 transactions per month with a maximum discount of Rs. 150 per transaction (promo code: DIGISMART).

Up to 25% off on Yatra**

Avail discounts on travel and hotel bookings made through Yatra.com as per the below details (promo code: DIGISMART):

  • 20% discount (up to Rs. 750) on domestic flight bookings
  • 10% discount (up to Rs. 10,000) on international flight bookings
  • 25% discount (up to Rs. 4,000) on domestic hotel bookings

**Valid for 1 transaction per quarter.

15% Cashback on Ola Cabs

15% cashback* on booking Ola Cab rides, up to a maximum cashback of Rs. 600 per month can be availed.

Click here for the terms & conditions of Digismart Credit Card offers.

Other Benefits

Along with the multiple offers, this credit card also comes with several other benefits, which are mentioned below:

Renewal Benefits: The monthly fee of Rs. 49 will be waived off on spending Rs. 5,000 in a calendar month.

Contactless Payment: Standard Chartered Bank credit card allows contactless payment of up to Rs. 5,000 at a time at NFC-enabled POS terminals. Users do not have to dip or swipe the card for such payment, waving or tapping the card on the POS will serve the purpose.

Kuch Bhi on EMI: The bank also offers EMI facility on transactions above Rs. 2,000. This facility can be availed through internet banking or mobile banking

Loan on Credit Card: Eligible users can also avail the facility of a loan against DigiSmart Credit Card. Cardholders can avail a maximum loan of up to Rs. 10 lakh.

Balance Transfer: SCB cardholders can also transfer outstanding balances of up to Rs. 5 lakh of other credit cards to save the high-interest charges. The payment can also be made in easy EMIs using the Balance on EMI facility.

*Terms and conditions apply

Suggested read: Standard Chartered DigiSmart Credit Card Review

Standard Chartered Bank DigiSmart Credit Card: Fees & Charges

The table below mentions the fees and charges applicable to the DigiSmart Credit Card:

Type of Fee/ Charge Amount/ Rate
Monthly Fee Rs. 49 (waived off on spending Rs. 5,000 in the previous calendar month)
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges For Statement Balance:

  • Up to Rs. 100 – Nil
  • Rs. 101 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 5,000 – Rs. 500
  • Rs. 5,001 to Rs. 15,000 – Rs. 700
  • Rs. 15,001 to Rs. 25,000 – Rs. 800
  • Above Rs. 25,000 – Rs. 1,200

Click here to check other associated fees and charges.

Standard Chartered Bank DigiSmart Credit Card: Eligibility & Documentation

The applicant must meet the below-mentioned eligibility criteria to apply for this credit card:

Criteria Details
Age 21 to 65 years
Occupation Available to both Salaried and Self-employed
Minimum Income for Salaried Applicants Rs. 50,000 per month
Minimum Income for Self-employed Applicants Rs. 50,000 per month
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

Suggested read: Best Credit Cards in India

Should you get this credit card?

Standard Chartered Digismart Credit Card is best for daily commuters, especially those who prefer travelling via Ola, as it gives 15% cashback (up to Rs. 600 per month) on all rides. Besides, it is an entry-level credit card with a low monthly fee of Rs. 49. It also offers a good discount on multiple categories, including entertainment, travel, shopping, and more. You can enjoy great perks and discounts on your Myntra, Grofers, INOX, Zomato, and Yatra purchases.

However, you will not get airport lounge access with this credit card. The reward points earned on this credit card are also restricted to select brands. This card might be a good option for individuals who are looking for a basic credit card, with discounts on select brands.

Other Similar Credit Cards

The table below represents a few similar credit cards:

Credit Card Annual/ Renewal Fee Best Feature
Standard Chartered Bank DigiSmart Credit Card Rs. 49 (monthly fee) 20% off on online shopping and flight bookings
Axis Bank ACE Credit Card Rs. 499 5% cashback on bill payments, DTH, and mobile recharges via Google Pay
ICICI Amazon Pay Credit Card NIL 5% cashback for Amazon Prime users on Amazon spends
SBI SimplyCLICK Credit Card Rs. 499 10X reward points on online spends
Axis Bank NEO Credit Card Rs. 250 10% off on online shopping, recharges and movie tickets
Apply for Top Credit Cards in India

FAQs

On what purchases do I get discount using the DigiSmart Credit Card?

You can avail discount and cashback offers on travel, shopping, dining, movies, and cab bookings.

What is the annual fee for DigiSmart Credit Card?

DigiSmart Credit Card does not charge an annual fee. Instead, it charges a monthly fee of Rs. 49.

Will my monthly fee get waived off?

Yes, the monthly fee will be waived off on spending Rs. 5,000 or more in a calendar month.

Do I get any rewards on this credit card?

No, the DigiSmart Credit Card does not give any reward points on the purchases made. However, you can avail discount or cashback on select brands.

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