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Standard Chartered Digi Smart Credit Card

(4.4)
Cashback Best For: Shopping
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The Digi smart credit card is the ultimate solution for all your online transactions and offers amazing discounts. For a monthly fee of ₹49, you get 20% off on Myntra, 10% off on Grofers, 10% off on Zomato, a free movie ticket at Inox, and a 20% discount on flight bookings. Plus, this card covers all your online purchases, making it a convenient and hassle-free option. Keep reading to know more about what this card has to offer. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Travel Benefit
  • 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
  • 10% discount on international flight bookings with a max discount of ₹10,000.
  • Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
  • 15% cashback on cab booking with Ola with a max discount of ₹600 per month.
EMI Benefit

Avail the EMI facility on transactions above ₹2,000, which can be accessed through the internet or mobile banking.

Concierge Services
Dining Benefit

Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

Shopping Benefit
  • 20% off at Myntra with no minimum spend. Valid on 1 transaction per month up to a maximum discount of ₹700.
  • Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000. 
Entertainment Benefit

BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction. Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹49

Annual Fee

₹49

Annual Percentage Rate

45%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

3%

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

NA
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹101 to ₹500

₹ 100

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 700

Balance from ₹10001 to ₹25000

₹ 800

Balance more than ₹25000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. The contactless payment feature allows for quick and convenient transactions.
  2. The EMI facility enables cardholders to make larger purchases.
  3. The loan against the credit card is a convenient option for those needing quick cash.
  4. The balance transfer option can help cardholders save on high-interest charges.
  5. The card comes with various dining and travel benefits.
Cons

Aspects this credit card lacks.

  1. Some offers, such as the Buy 1 Get 1 movie ticket offer, come with a limitation.
  2. The monthly membership fee of ₹ 49 can burden those who do not regularly use their credit card.
  3. The balance transfer limit of ₹ 5 lakh may be too low.
  4. Not all merchants accept contactless payment.
  5. The interest rate on loans against a credit card may be high.

Standard Chartered Digi Smart Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(3.5)

Customer Service

(3.5)

Standard Chartered Digi Smart Credit Card Review

The Standard Chartered Digismart Credit Card is suitable for regular commuters, particularly those who prefer using Ola for their rides. This card provides a cashback of 15% on all rides, up to a maximum of Rs. 600 per month. It is an entry-level credit card that comes with a low monthly fee of Rs. 49. Additionally, it offers considerable discounts on various categories, such as travel, entertainment, shopping, and more. You can take advantage of amazing perks and discounts when you shop at Myntra, Grofers, INOX, Zomato, and Yatra.

Overview

Key Features of Standard Chartered DigiSmart Credit Card

Best Suited Shopping, Movie & Traveling
Welcome Bonus N/A
Joining Fee ₹49 per month
Annual Fee Nil

Who Should Opt for Standard Chartered Digi Smart Credit Card? 

The Standard Chartered Digi Smart Credit Card is ideal for users looking for discounts and benefits on travel, dining, and movie expenses. With benefits like 20% off on domestic flight bookings and up to 10% off on food orders on Zomato, users can save on their regular expenses and enjoy a range of discounts. Additionally, the monthly membership fee can be waived with a minimum spend, making it a smart choice for those who are looking to maximize their savings on their credit card usage.

Reward Points

  • The Standard Chartered Digi Smart Credit Card does not offer reward points on purchases.

  • But it provides discounts and cashback on select brands for movie, dining, and travel expenses. 

How to Apply for Standard Digi Smart Credit Card?

  • Go to the Standard Chartered Bank website.

  • Select the Digi Smart Credit Card.

  • Fill out the online application form with the details.

  • Upload the required documents.

  • Submit the application.

Before applying, it's important to fully understand the terms and conditions of the card. If a user still has any doubts or questions, reach out to the bank for clarification.

Standard Chartered Digi Smart Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Standard Chartered Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Standard Chartered Bank

Standard Chartered Bank Credit Card Customer Care Number:

1800 425 1000/1800 345 5000

Standard Chartered Bank Card Offers:

View Offers

Total Cards:

10,33,383
Standard Chartered Bank Credit Card News

We are looking for some news yet.

Standard Chartered Digi Smart Customer Reviews

No Customer reviews yet. Be the first to review this card.

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Frequently Asked Questions

Visit the Standard Chartered bank’s website and follow the below steps to know the details of your accumulated reward points through:
Online Banking
Step 1: Log in to Online Banking
Step 2: Select “Online Rewards”
Step 3: Know the reward points accumulated on your credit card
Step 4: Follow the instructions to redeem your reward points
Mobile Banking
Step 1: Log in to SC Mobile
Step 2: Select “Credit Card Rewards” from the menu displayed on the left
Step 3: Know the reward points accumulated on your credit card
Step 4: Follow the instructions to redeem reward points.

Follow the below steps to apply for eStatement:
Step 1: Log in to Online Banking
Step 2: Select “eStatements and eAdvices”
Step 3: Go to “About Statements” and click “Sign Up Now”

  • Follow the below steps to apply for a credit card
    Step 1:  Visit the bank’s official website and select the card of your choice.
    Step 2: Select  “Apply Now” from the left hand side of the page
    Step 3: Provide information
    Step 4: Apply online

  • The issuance of credit cards is subject to Bank’s internal policy and verification checks.

Follow the below steps to report a lost or stolen credit card:
Step 1: Log in to Online Banking or SC Mobile
Step 2: Select “Help & Services”
Step 3: Go to “Card Management” and select “Report Lost/Stolen Card”
Step 4: Follow the instructions on the screen
Step 5: Upon completion, your card will be blocked and a replacement card will be sent to your registered mailing address

A portion of your credit card limit assigned to your credit card can be used to withdraw cash. The withdrawal of cash limit is subject to interest charges and cash withdrawal fee. To know  about interest charges and cash withdrawal fee please firstly you visit the bank’s website and then follow the below steps to know your cash limit through:
Online Banking
Step 1: Log in to Online Banking
Step 2: From left hand side menu, click on “Cards”
Step 3: Select “Card Details” to view the cash limit assigned under “Available Cash Advance Limit”
SC Mobile
Step 1: Log in to SC Mobile
Step 2: Select the credit card
Step 3: Go to “Card Details” on the top right section and view the “Available Cash Advance Limit” on your credit card

 

Follow the below steps to know the available credit limit on your credit card through:

  • Online Banking
    Step 1: Log in to Online Banking
    Step 2: From left-hand side menu, click on “Cards” and select “Card Summary”
    Step 3: Select “Card Details” to view the credit limit under the “Available Credit Limit”

  • SC Mobile
    Step 1: Log in to SC Mobile
    Step 2: Select the credit card
    Step 3: Go to “Card Details” on the top-right section and view the available credit limit on your credit card