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Standard Chartered DigiSmart Credit Card

The Standard Chartered DigiSmart credit card caters specifically to the preferences of millennials who enjoy spending on various activities like online shopping, dining, and movies. Unlike traditional annual fees, this card implements a modest monthly fee of Rs. 49, totaling Rs. 588 annually. However, this fee can be waived if you achieve a minimum spending of Rs. 5,000 in the preceding calendar month.

This credit card offers enticing cashback benefits for online shopping, dining, and travel-related expenses. Users can enjoy exclusive discounts, including 20% off on Myntra, 10% off on Grofers, 10% off on Zomato, and a 15% cashback on Ola cab bookings.

Addressing entertainment needs, the card introduces a Buy 1 get 1 free (BOGO) offer on Inox, granting cardholders up to 2 complimentary movie tickets every month. In terms of travel perks, the card provides a 20% discount on domestic flight bookings, a 10% discount on international bookings, and discounts of up to 25% on hotel bookings.

Key Highlights of Standard Chartered DigiSmart Credit Card

Unlock unparalleled benefits with the Standard Chartered DigiSmart Credit Card.

  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. Enjoy up to a 25% discount on domestic hotel bookings through 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.
  • Applicable for five transactions per month, with a monthly discount cap 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.
  • Valid for five transactions per month, with a maximum discount of INR 150 per transaction.
  • 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:

  • The applicant must fall within the age range of 21 to 65 years.
  • For add-on cardholders, the minimum age requirement 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.
  • All applications are subject to thorough credit and policy checks conducted 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
  • Job card issued by NREGA (duly signed by a State Government officer)
  • 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. Complete the application process by providing the necessary details as 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 can I apply for the Standard Chartered DigiSmart Credit Card?

You can apply for the DigiSmart Credit Card online through the Standard Chartered Bank website. The application process typically involves filling out an online form with personal and financial details. The bank will review your application and inform you of the outcome.

3. What are the key features of the DigiSmart Credit Card?

The DigiSmart Credit Card comes with features such as cashback on online spending, discounts on shopping, dining, and entertainment, as well as exclusive offers on travel and lifestyle. It is designed to provide value and convenience for those who prefer digital transactions.

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

Cardholders can enjoy cashback or discounts on various online platforms for categories such as groceries, travel, and shopping. The card is specifically curated to enhance the rewards for digital spending.

5. Are there any annual fees associated 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 does the cashback feature work 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 can I check my credit card statement and reward points balance?

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 security measures are in place for the DigiSmart Credit Card?

Standard Chartered employs various security measures, including encryption and secure authentication processes, to ensure the safety of your transactions. Additionally, the card may have features like contactless payment and fraud protection.

10. How do I contact customer support for 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.