By Shubham Sharma
Updated On September 22, 2021

Standard Chartered DigiSmart credit card is an instant credit card issued by Standard Chartered for the millennials, who like to spend on online shopping, dining, movies, etc. Rather than having an annual fee, the card charges you a very nominal monthly fee of Rs 49, which is Rs 588 computed annually. This fee can be waived off if you achieve a spend of Rs. 5,000 or more in the previous calendar month. This card provides you with a cashback on online shopping, dining, and travel-related spends. You can get 20% off on Myntra, 10% off Grofers, 10% off on Zomato, and 15% cashback on Ola cab booings.

Moreover, keeping your entertainment requirements in mind, the card comes with a Buy 1 get 1 free offer on Inox under which you can avail of up to 2 complimentary movie tickets every month. Talking about its travel benefits, you get 20% off on domestic flight bookings, 10% off on international bookings, and up to 25% off on hotel bookings. Read below to know more about this credit card

Best Suited For

Movies | Travel | Shopping |

Joining Fee

Rs 49 plus applicable taxes

Reward Type

Cashback |

Product Details

  • Get up to 20% off on shopping with Myntra
  • 10% discount on grocery shopping with  Grofers
  • 10% off on your food orders with Zomato
  • Get a Buy 1 Get 1 offer on Movie ticket bookings at INOX
  • 20% off on domestic and 10% discount on international flight bookings with Yatra.com
  • Up to 25% off on domestic hotel bookings with Yatra
  • 1% fuel surcharge waiver on fuel transaction
  • Spend based waiver of the monthly membership fee

Rewards and Benefits

Welcome Benefits

N/A

Movie & Dining

You get a Buy 1 Get 1 offer on Movie ticket bookings at INOX, and up to 10% off on food orders on Zomato.

Rewards Rate

Up to 20% off on shopping at partner brands and up to 25% off on travel-related spends on partner brands

Reward Redemption

NA

Travel

20% off on domestic flight bookings with Yatra.com, 10% discount on international flight bookings, and up to 25% off on domestic hotel bookings.

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

The cardholder will not be liable for any fraudulent transactions made on a card post reporting the loss to the bank.

Fees & Charges

Joining Fee

Rs 49 plus applicable taxes

Renewal Fee

Rs 49 per month

Spend based Waiver

The monthly membership fee is waived off on spending Rs. 5,000 or more in the previous month.

Rewards Redemption Fee

N/A

Rewards Redemption Fee

N/A

Foreign Currency Markup

3.5% of the conversion amount

Interest Rates

1.99 per month (23.88% per annum)

Fuel Surcharge

1% fuel surcharge is applicable

Cash Advance Charge

3% of the transaction amount subject to a minimum charge of Rs 300.

Add-on Card Fee

Nil

Standard Chartered DigiSmart Credit Card Shopping Benefits

  • You can get up to 20% off on Myntra, subject to a maximum discount of Rs 700 per transaction. There is no limit on the minimum purchase amount. The offer is applicable on 1 transaction per calendar month. 
  • You get a 10% discount on Grofers, subject to a maximum amount of Rs. 1000 per month. There is no limit on the minimum purchase amount. The offer is applicable on 5 transactions per calendar month. Use promo code DIGISMART to avail of the offer 

Movie & Dining Benefits 

  • You get a Buy 1 Get 1 offer on Movie ticket bookings at INOX, subject to a maximum discount of Rs 200 per transaction. The offer is applicable on Saturdays and Sundays only. The offer can be availed for a maximum of 2 transactions per month. 
  • You get up to 10% off on food orders with Zomato, subject to a maximum discount of Rs. 150 per transaction. There is no limit on the minimum purchase amount. The offer is applicable on 5 transactions per calendar month. Use promo code DIGISMART to avail of the offer 

Travel Benefits 

  • You get 20% off on domestic flight bookings with Yatra.com subject to a maximum discount of Rs. 750.
  • You get a 10% discount on international flight bookings subject to a maximum discount of Rs. 10,000
  • You also get up to 25% off on domestic hotel bookings with a maximum discount of Rs. 4,000.
  • These offers are applicable on 1 transaction per category in a quarter calendar. Use promo code DIGISMART to avail of this offer. 
  • Get a cashback of 15% on your cab booking with Ola, subject to a maximum discount of Rs. 600 per month.

Spend Based Monthly Fee Waiver

The monthly membership fee of Rs. 49 is waived off if you achieve a spend of Rs. 5,000 or more in the previous calendar month. 

Conclusion

Standard Chartered DigiSmart Credit Card is a highly customized card made especially for young individuals, who believe more in online purchases. This card provides with you exciting cashback offers on your online transactions with up to 25% savings. The card doesn’t charge you any joining fee and comes with a nominal monthly fee. However, this card might not be the right choice for high-end customers, who expect premium rewards and benefits on their spends using their credit card. If you are someone with no credit background whatsoever, this credit might prove to be the right choice. What do you think about this card? Do write to us in the comments.

FAQs:

No, Standard Chartered DigiSmart credit card does not charge any annual fee but it does charge a nominal monthly fee of Rs 49 plus GST

You are charged with an interest rate of 1.99% per month.

Yes, you do get spend based waiver on your monthly spending of Rs 5000 or more in a month using your Standard Chartered DigiSmart credit card.

You get 15% cashback on Ola cab bookings, subject to a maximum discount of Rs 600 per month.

No, you do not get any reward points on your spending using this credit card. This card does not offer any kind of  reward points to the cardholders on their purchases

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