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.
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Key Highlights of Standard Chartered Bank DigiSmart Credit Card | |
| Card Type | Mid-level |
| 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
| On this page |
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 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 (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% discount when shopping at Myntra, up to a maximum discount of Rs. 700. This offer is valid only once per month.
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).
Avail discounts on travel and hotel bookings made through Yatra.com as per the below details (promo code: DIGISMART):
*Valid for 1 transaction per quarter.
15% cashback on booking Ola Cab rides, up to maximum cashback of Rs. 600 per month can be availed.
Click here for terms & conditions of Digismart Credit Card offers.
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 bankin
Loan on Credit Card: Eligible users can also avail the facility of 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.
Suggested read: Standard Chartered DigiSmart Credit Card Review
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:
|
Click here to check other associated fees and charges.
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
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.
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 |
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.
