Standard Chartered digismart Credit Card Review

Standard Chartered’s DigiSmart credit card comes with a host features and perks on several popular brands that you can avail on while shopping online. This credit card lets the cardholders save some money and earn big on online shopping.

If you are looking for amazing discounts on big brands but don’t have this credit card specially tailored by Standard Chartered bank yet, you should consider applying for it. The detailed review of this credit card below will help you understand why!

Fee & Charges of DigiSmart Credit Card?

The first question that can pop up in our head is- what is the annual fee for this credit card? The unique feature of the DigiSmart card is that instead of a yearly fee, it charges a monthly fee of INR 49 only, which is waived off on spends of INR 5000 and above in the previous month. If you are plan to apply for a supplementary card along with this, same terms apply to this card as well.

Features and Offers on Standard Chartered DigiSmart Credit Card

• Myntra:
  • 20% of instant discount on the Myntra app or website
  • Discount is applicable on only for one transaction every month
  • Maximum discount capped at INR 700 for each transaction
  • No minimum transaction criteria are applicable
• Grofers:
  • 10% of instant discount on Grofers app
  • Use the promo code DIGISMART while checking out
  • Applicable for five transactions every month
  • Maximum discount of INR 1000 every month
  • No Minimum transaction criteria are applicable
• Zomato:
  • 10% of instant discount per transaction on Zomato app or website
  • Discount is applicable only on five transactions every month month
  • Use the promo code DIGISMART to complete a purchase using Standard Chartered DigiSmart Credit Card
  • There isn’t a minimum transaction limit
  • Maximum discount of INR 150 can be availed per transaction
• INOX:
  • BOGO (Buy 1 Get 1) offer on movie tickets bought from the INOX box office, mobile app or website
  • Applicable to movie shows on Saturdays and Sundays
  • This benefit can be availed twice, per card, every month
  • Maximum discount of INR 200 per transaction, twice per month
  • No Minimum Transaction limit is applicable
• Yatra:

International Flight Booking

• 10% of instant discount on International flight bookings
  • Transaction size of minimum INR 20,000
  • Maximum discount limit is up to INR 10,000
  • Applicable on one transaction every three months
  • Use promo code DIGISMART while completing the purchase using SC to avail the discount

Domestic Flights Bookings

• 20% off on domestic flight bookings
  • Use promo code DIGISMART while completing the purchase using SC to avail the discount
  • No minimum transaction limit
  • Maximum discount that can be availed is capped at INR 750
  • Applicable on one transaction every three months

             Domestic Hotel Bookings

• 25% off on instant discount on domestic hotel bookings with Yatra
  • Use promo code DIGISMART while completing the purchase using SC to avail
  • No minimum transaction limit
  • Maximum discount that can be availed is capped at INR 4000
  • Applicable on one transaction every quarter
• OLA:
  • 15% cashback on paying with DigiSmart credit card for cab rides using the Ola app
  • Maximum cashback of up to INR 600 per month
  • Not applicable on Ola auto, bikes or pool rides

Additional Features of the DigiSmart Credit Card by Standard Chartered

• Balance Transfer Feasibility

You can transfer your credit card balance of an amount up to INR 5,00,000 from any other bank’s credit card to Standard Chartered’s card at attractive interest rates

• Contactless Transactions

With the contactless feature, you can ensure faster checkouts along with secure, instant payments. You can still relish all the benefits of this card that can be swiped and used for standard transactions like your regular credit card for daily use

• Kuch Bhi on EMI

This is an exclusive feature of the DigiSmart credit card where your credit card purchases can be easily converted into easy EMIs at any retail outlets or even at any eCommerce shopping site. You can make use of this feature through online booking, phone booking or SMS

• Loan on Credit Card

Eligible cardholders can get a chance to avail for a loan on this credit card for an amount up to INR 5,00,000 with a flexible tenure period between 12-60 months

Did you Know?

Anushka Sharma was the brand ambassador for the DigiSmart credit card campaign.

DigiSmart Credit Card: Why You Should Apply for it?

DigiSmart credit card by Standard Chartered Bank is a beginner level credit card that having a monthly fee of INR 49. Cardholders not having an existing account with Standard Chartered Bank can also apply for this credit card. Other than that, you can also apply when-

1. looking for attractive discounts on online platforms for shopping, groceries, movies, cab rides
2. looking for a credit card that has a low annual fee with the requisite perks

The Bottom Line

In a nutshell, the DigiSmart credit card comes with several attractive offers on online shopping, fine dining, travel, perfectly curated for the expedient lifestyle of the Millenials. The bare minimum monthly fee of this card also makes it exciting.

For people looking out for a standard credit card having exclusive discounts on various renowned brands, the Digismart credit card can be a good option. With its basic monthly fee with stellar discounts, it does stand out from the other credit cards.

This is an excellent option to explore, especially for millennials who prefer everything online be it shopping, travel perks, movie tickets, or ordering delicious food.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.