By Bharti Bisht
Updated On August 17, 2022

Standard Chartered DigiSmart credit card is an instant credit card offered 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. You can get a waiver on this fee if you manage to spend Rs. 5,000 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 bookings.

On top of this, keeping your entertainment requirements in mind, the card offers a Buy 1 get 1 free (BOGO) offer on Inox under which you can avail of up to 2 complimentary movie tickets monthly. 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. If you want to know more about this card, keep reading.

(4.4/5)

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

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

You will not be liable for any unauthorized transactions made with the card after 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 can be waived off on spending Rs. 5,000 in the last 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 Features and Benefits

The DigiSmart Credit Card offered by Standard Chartered Bank is a basic card having a low annual fee and decent privileges, especially for online shopping. However, there are several other features and benefits of this credit card, which are as follows:

Movie & Dining Benefits 

  • Buy 1 Get 1 offer (BOGO) 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 used for a max of 2 transactions per month. 
  • You get up to 10% off on food orders with Zomato, (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. 
  • 15% cashback 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 can be waived if you achieve a spend of Rs. 5,000 in the previous calendar month. 

Standard Chartered DigiSmart Credit Card Rewards/Shopping Benefits

  • Get 20% off on Myntra, (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 

Standard Chartered DigiSmart Credit Card Fees and Charges

Some of the important fees and charges for the StanChart DigiSMart Credit Card are:

  • Joining Fee and Annual Fees: The joining fee of Rs. 49 and a monthly fee of Rs49 are charged every month.
  • Interest Charges: An interest rate of 1.99% per month is applicable on the due amount on the card.
  • Forex Mark-up Fee: A foreign currency fee of 3.5% (plus applicable taxes) of the transaction amount is applicable on all foreign currency transactions.
  • Cash Advance Charges: A charge of 3% of the amount withdrawn or flat Rs. 300 (whichever is higher) is applicable on the cash advance transactions.

Standard Chartered DigiSmart Credit Card Eligibility Criteria

The eligibility requirements that need to be fulfilled by the applicants to get the Standard Chartered DigiSmart Credit Card are:

Particular Criteria
Age 21 years – 65 years
Income Monthly Income of Rs. 50,000
Credit Score Decent credit score (750 or above)

Documents Required

The documents that are required to apply for the Standard Chartered DigiSmart Credit Card are listed below:

  • Identity Proof: Voter card, passport, Aadhar card, driving license, PAN card, etc.
  • Address Proof: Voter card, Aadhar Card, passport, electricity/telephone bill, driving license, etc.
  • Income Proof: Salary Slips or latest audited ITR.

How To Apply For The Standard Chartered DigiSmart Credit Card?

If you want to apply for the DigiSmart Card offline, then you can visit the nearest SC branch to you and fill in the application form present there. For the online procedure, follow the steps given below:

  • Visit Standard Chartered bank’s official website.
  • Click on ‘Credit Card.’
  • Choose the Standard Chartered DigiSmart Credit Card.
  • Click on Apply Now and proceed further by filling in the required details.

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 has a nominal monthly fee. However, this card might not be a good 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 be the right choice. Another affordable credit card that is very much similar to this one is the SBI SimplyClick Credit Card, which come with a lower annual fee and offers great rewards.

What are your views on 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

An interest rate of 1.99% per month is charged with the card.

Yes, you get a 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, (maximum discount of Rs 600 per month).

No, you don’t get 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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