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Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart credit card is tailored for millennials who love splurging on diverse activities like online shopping, dining out, and catching movies. It deviates from the conventional yearly charges by adopting a modest monthly fee of Rs. 49, summing up to Rs. 588 annually. However, this fee is waivable upon reaching a minimum spend of Rs. 5,000 in the preceding month.

This card comes packed with attractive cashback perks for online shopping, dining, and travel expenditures. Users are treated to special discounts such as 20% off on Myntra, 10% off on Grofers, 10% off on Zomato, and a generous 15% cashback on Ola cab rides.

Catering to entertainment cravings, the card rolls out a Buy 1 Get 1 Free deal at Inox cinemas, granting cardholders up to 2 complimentary movie tickets each month. On the travel front, it offers a 20% discount on domestic flights, 10% off on international bookings, and up to 25% off on hotel stays.

Key Highlights of Standard Chartered DigiSmart Credit Card

Discover exclusive advantages with the Standard Chartered DigiSmart Credit Card that are unmatched anywhere else.

  1. Enjoy up to a 20% discount when shopping on Myntra.
  2. Get a 10% discount on your grocery shopping through Grofers.
  3. Save 10% on your food orders when using Zomato.
  4. Avail a Buy 1 Get 1 offer on movie ticket bookings at INOX.
  5. Receive a 20% discount on domestic and 10% off on international flight bookings with Yatra.com.
  6. Take advantage of a generous discount of up to 25% on your bookings for domestic hotels when using Yatra.
  7. Benefit from a 1% fuel surcharge waiver.
  8. Experience a spend-based waiver of the monthly membership fee.

Features and Benefits of Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart Credit Card offers several features and benefits:

1. Myntra Fashion Offer:

  • Enjoy a cool 20% discount at Myntra with no minimum spend.
  • Valid for one transaction per month, with a maximum discount of INR 700.
  • Explore more details!

2. Best Shopping Credit Card for Online Groceries:

  • Use promo code DIGISMART for a 10% discount on Grofers with no minimum spend.
  • You can use this offer for up to five transactions every month, and there’s a monthly discount limit of INR 1,000.
  • Discover more about this offer!

3. Zomato Food Orders Offer:

  • Use promo code DIGISMART to get a 10% discount on Zomato orders with no minimum spend.
  • You can avail this offer for up to five transactions monthly, each with a discount capped at INR 150.
  • Learn more details!

4. Free Movie Ticket at INOX:

  • Buy One Get One (BOGO) free movie ticket at INOX on Saturdays and Sundays!
  • Valid for two transactions per month, with a maximum discount of INR 200 per transaction.
  • Find out more about this exciting offer!

5. Shopping Discounts at Yatra.com:

  • Enjoy a 20% discount on domestic flights up to INR 750 and a 10% discount on international flights up to INR 10,000 at Yatra.
  • Additionally, get a 25% discount on domestic hotel bookings up to INR 4,000.
  • Valid for one transaction per quarter, per category. Apply promo code: DIGISMART.
  • Explore the details of this fantastic offer!

6. Cashback on Ola Cab Bookings:

  • Receive a sweet 15% cashback on your Ola cab bookings, with a maximum cashback of INR 600 per month.
  • Learn more about this cashback offer!

7. No Physical Interaction Required:

  • Instant approval on your application and complete your KYC online through a video.
  • Discover more about this convenient feature!

Standard Chartered DigiSmart Credit Card Fees and Charges

Explore the fee structure for the Standard Chartered DigiSmart Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: A one-time joining fee of Rs. 49 is charged.
  2. Monthly Fee: A monthly fee of Rs. 49 is applicable every month.
  3. Interest Charges: The due amount on the card incurs an interest rate of 1.99% per month.
  4. Forex Mark-up Fee: For foreign currency transactions, a fee of 3.5% (plus applicable taxes) of the transaction amount is applied.
  5. Cash Advance Charges: Cash advance transactions attract a charge of 3% of the withdrawn amount or a flat fee of Rs. 300, whichever is higher.

Eligibility Criteria for Standard Chartered DigiSmart Credit Card

Here are essential criteria for applying for an Standard Chartered DigiSmart Credit Card:

1. Age Requirements:

  • Applicants need to be between 21 and 65 years old. For additional cardholders, the minimum age is 18 years.

2. Monthly Income Criteria:

  • Applicants are required to have a consistent monthly income.
  • A minimum monthly income of INR 50,000 is essential.

3. Other Conditions:

  • Applicants should reside in the credit card sourcing cities/locations of the Bank.
  • Every application undergoes rigorous evaluations, including comprehensive credit assessments and policy examinations carried out by the Bank.

Documents Required for Standard Chartered DigiSmart Credit Card

To apply for the Standard Chartered DigiSmart Credit Card, you will typically need to provide the following documents:

1. Identity Proof (Choose One):

  • Passport
  • Voter ID Card
  • Government ID
  • PAN Card

2. Address Proof (Choose One with Current Residence Address):

  • Aadhaar Card
  • Passport
  • Driving License
  • Election/Voter’s ID Card
  • A work authorization document provided under the National Rural Employment Guarantee Act (NREGA), bearing the signature of an official from the respective State Government.
  • Letter issued by the National Population Register (containing name and address details)

3. Additional Requirements:

  • 1 recent passport-sized photograph

4. Financial Documents for Salaried Individuals:

  • Latest one-month salary slip

5. Financial Documents for Self-Employed Individuals:

For Self-Employed Businessmen:

  • Latest IT Returns with computation of income
  • Certified Financials
  • Last Business Continuity proof

For Self-Employed Professionals:

  • Latest IT Returns
  • Business Continuity proof

How to apply for Standard Chartered DigiSmart Credit Card

Follow these steps to apply for the Standard Chartered DigiSmart Credit Card online:

  1. Navigate to the official website of Standard Chartered bank.
  2. Locate and select the ‘Credit Card’ section on the website.
  3. Opt for the Standard Chartered DigiSmart Credit Card from the available options.
  4. Click on the ‘Apply Now’ button.
  5. Finish submitting your application by supplying all the required information when prompted.

Frequently Asked Questions (FAQs) –

1. What is the Standard Chartered DigiSmart Credit Card?

The Standard Chartered DigiSmart Credit Card is a credit card that offers a range of benefits and features tailored for the digital-savvy consumer. It provides rewards, discounts, and exclusive privileges on various online and lifestyle spending categories.

2. How do I go about applying for the Standard Chartered DigiSmart Credit Card?

To obtain the DigiSmart Credit Card, you can submit your application digitally via Standard Chartered Bank’s website. This involves completing an online form, providing personal and financial information. After submission, the bank will assess your application and notify you of the result.

3. What distinguishes the DigiSmart Credit Card?

The DigiSmart Credit Card offers a range of benefits tailored for digital enthusiasts. Enjoy cashback on online purchases, savings on shopping, dining, and entertainment, plus special deals on travel and lifestyle. It’s crafted to deliver both value and ease for avid users of digital transactions.

4. What are the benefits of using the DigiSmart Credit Card for online shopping?

Cardholders have the opportunity to receive cashback or discounts across multiple online platforms, spanning categories like groceries, travel, and shopping. This card is meticulously crafted to amplify rewards specifically for digital expenditures.

5. Are there any yearly charges linked with the DigiSmart Credit Card?

Standard Chartered may have an annual fee for the DigiSmart Credit Card, and the specific amount can vary. It’s advisable to check the latest fee structure on the official website or contact the bank’s customer service for accurate and up-to-date information.

6. How exactly does the cashback function operate on the DigiSmart Credit Card?

The card offers cashback on eligible online transactions. The cashback amount and specific categories eligible for cashback may vary. Details about the cashback terms and conditions are provided in the card’s terms of use.

7. Can I use the DigiSmart Credit Card internationally?

Yes, the DigiSmart Credit Card is generally accepted internationally. However, it’s recommended to inform Standard Chartered about your travel plans in advance to avoid any disruptions in card usage.

8. How do I review my credit card statement and track my reward points without repeating any steps?

You can access your credit card statement and check your reward points balance through the Standard Chartered online banking portal or mobile app. These platforms typically provide a comprehensive overview of your card activity.

9. What safeguards does the DigiSmart Credit Card employ to ensure security?

Standard Chartered utilizes a range of security protocols, such as encryption and robust authentication procedures, to safeguard your transactions effectively. Furthermore, the card may offer functionalities like contactless payment and advanced fraud protection for enhanced security measures.

10. How can I reach out to customer support regarding inquiries about the DigiSmart Credit Card?

You can reach Standard Chartered’s customer support through the contact details provided on their official website. This may include a customer service hotline, email support, or an in-person visit to a branch, depending on your location.