About Standard Chartered DigiSmart Credit Card
Standard Chartered Bank’s DigiSmart Credit Card is an all-in-one card designed for frequent online shoppers. It also provides benefits on travel, dining, movies, and grocery spends, making it a versatile choice for everyday and lifestyle purchases.
Other Features and Benefits
Offers & Discounts:
- INOX Cinemas: Buy 1 Get 1 on movie tickets (Sat-Sun), max Rs. 200 per transaction, 2 times/month.
- Grofers/Blinkit: 10% off on online groceries, max Rs. 1,000/month, 5 transactions/month.
- Myntra: 20% off, max Rs. 700, once per month.
- Zomato: 10% off, max Rs. 150 per transaction, 5 transactions/month.
- Yatra:
- Up to 25% off on travel bookings:
- 20% off domestic flights (max Rs. 750)
- 10% off international flights (max Rs. 10,000)
- 25% off domestic hotels (max Rs. 4,000)
(1 transaction per quarter)
- Ola Cabs: 15% cashback, max Rs. 600/month.
Other Benefits:
- Renewal Fee Waiver: Rs. 49 monthly fee waived on spending Rs. 5,000 in a month.
- Contactless Payment: Tap for transactions up to Rs. 5,000 on NFC-enabled POS.
- EMI Facility: Convert transactions above Rs. 2,000 into EMIs via internet/mobile banking.
- Loan on Card: Avail loans up to Rs. 10 lakh against the credit card.
- Balance Transfer: Transfer outstanding balances up to Rs. 5 lakh from other credit cards and pay via EMIs.
Fees and Charges
| 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:
- Up to Rs. 100 – Nil
- Rs. 101 to Rs. 500 – Rs. 100
- Rs. 501 to Rs. 5,000 – Rs. 500
- Rs. 5,001 to Rs. 15,000 – Rs. 700
- Rs. 15,001 to Rs. 25,000 – Rs. 800
- Above Rs. 25,000 – Rs. 1,200
|
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Document Required For Standard Chartered DigiSmart Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Standard Chartered DigiSmart Credit Card Highlights
What do we like about this card?
- Ola: 15% cashback (up to ₹600/month) on cab rides.
- Myntra: 20% discount (up to ₹700/month).
- Grofers (Blinkit): 10% off (up to ₹1,000/month) with code DIGISMART.
- Zomato: 10% discount (up to ₹150/transaction, 5 transactions/month) with code DIGISMART.
- INOX: Buy 1 Get 1 free movie tickets on weekends (2 times/month, max ₹200/transaction).
- Yatra: Up to 25% off on travel and hotel bookings.
Things to Know Before you apply
Get this card if:
- You frequently use Ola and want 15% cashback on rides.
- You want discounts on everyday online shopping, entertainment, and travel.
- You are looking for an entry-level credit card with a low monthly fee.
Pros
- Up to 25% discount on partner merchants like Yatra, Myntra, Zomato, and Blinkit.
- 15% cashback on Ola rides (up to Rs. 600/month).
- Low monthly fee of Rs. 49, waivable on spending Rs. 5,000.
Cons
- No rewards on non-partner spends.
- No airport lounge access.
- High foreign transaction fee of 3.5%.
Standard Chartered Bank Credit Card Contact Details
- Contact Address: Standard Chartered Bank, Crescenzo Building, C-38/39, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
- Helpline: 6601 4444 / 3940 4444 (prefix STD code) 1800 345 1000 (Toll-Free)
- Simply SMS: SMS CARD to 9980033333 for card details or application
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Frequently Asked Questions
Earn 6 Skyward Miles for every Rs. 150 spent on Emirates transactions and 3 Skyward Miles for every Rs. 150 on other purchases.
You get 5% cashback on duty-free shopping, up to a maximum spend of Rs. 1,000 per month.
You get complimentary access to 25 domestic lounges via Mastercard Lounge Program and 2 domestic + 2 international Priority Pass lounge visits per month. Additional free visits are available if you spend more than Rs. 10,000 in a month.
Complimentary golf access three times a year at 14 premium courses in India, plus unlimited games at 50% off on green fees and one free lesson per month.
Yes, overseas insurance coverage up to Rs. 1 crore, including protection against baggage loss and flight delays.
Yes, primary rewards are mostly focused on travel-related spends, especially Emirates transactions.
