Standard Chartered DigiSmart Credit Card Review

Standard Chartered DigiSmart Credit Card is specially designed for online uses, it offers exclusive Cash-Back offers on your online spending. It comes with a monthly fee and lots of amazing offers. You will get an offer from INOX Cinemas, offer on Grofers, Offers on Myntra, offer on Yatra, offer on Zomato, supplementary credit cards, contactless card features, secure online transactions, anything on EMI, Dial-a-loan, Balance transfer, balance on EMI, Concierge services, etc.

standard chartered digismart credit card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹50.000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹50,000 monthly. 
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹49 + GST (One time)
  • Annual Fee: ₹49 + GST (Monthly) (Can be waived off if you spend ₹5000 in a month)

Benefits:

  • Offers from INOX Cinemas:

If you buy a ticket at INOX you will get another ticket free. This offer is valid only on Saturday and Sunday. You can get this offer 2 times per month. You can save a maximum of ₹400 monthly with this offer.

  • Offers on Grofers:

If you buy groceries from Grofers by using this card you will get a 10% discount. You can get this offer 5 times a month. 

You can get a maximum discount of ₹1000 per month.

  • Offers on Myntra:

If you shop from Myntra with your Digismart Credit card you will get a 20% discount, this offer is applicable once a month. The maximum Cash-Back amount is ₹700. 

  • Offers on Zomato:

If you order food from Zomato you will get 10% off. You can order whatever you want to claim this offer. You can avail of this offer 5 times per month.

  • Offers on Yatra:

This card offers several exclusive benefits on hotel and travel bookings from Yatra. The benefits offered to buy this card are like this – 

  • 20% off on bookings of domestic flights. (Maximum discount is ₹750)
  • 10% off on bookings of international flights. (Maximum discount is ₹10,000)
  • 25% off on domestic hotel bookings. ( Maximum discount is ₹4000)

 

  • Offers on Ola Cabs:

You can save up to ₹600 per month on Ola Cab bookings as you will get 15% off when you book through your Digismart Credit card.

  • Add on Card:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can also enjoy the benefits of having a credit card. 

  • Contactless facility:

This card comes with the new contactless payment facility this feature allows you to pay with just a wave at any secure reader machine. It gives you protection against skimming since you don’t need to hand over your card at the counter.  

  • 3D Security:

This card is 3D secure that means you will get an OTP every time whenever you use your card for online transactions. 

  • Anything on EMI:

With this card, you can convert any purchase over ₹5000 into EMI, Via net banking. 

  • Balance Transfer:

You can transfer the balance of your other cards to your Standard Chartered DigiSmart Credit Card to get a lower interest rate against your dues. 

  • Concierge Services:

With this card you will get a 24X7 Active concierge service, you can get any assistance from them whenever you need it. 

  • Dial-a-loan:

You can get a loan against your Standard Chartered Ultimate Credit Card with a nominal interest rate of 0.99% monthly for six months. And after six months it will be your credit card’s interest rate. Maximum loan amount ₹7,50,000

  • Balance into EMI:

You can convert your total credit card due into EMI and pay in easy monthly installments.

Charges:

  • Cash Withdrawal Charge: 3% against the amount, min ₹300. 
  • Finance Charge: 3.49% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

022-6601-4444 (Ahmedabad, Chennai, Bangalore, Hyderabad, Kolkata, Delhi, Mumbai, Pune)

022-3940-4444 (Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin, Ernakulam, Coimbatore, Indore, Lucknow, Surat, Rajkot, Nagpur, etc.)

Toll free: 1800 345 1000

                1800 345 5000

Mail: [email protected]

100xGain Ratings: 3.5/10

Final Opinion:

If you want to earn Cash-Back from your online transactions then this card can be a very good option for you. It offers several amazing benefits on online shopping like free movie tickets, 10% discount on Grofers, 20% discount on Myntra, 10% discount on Zomato, up to 20% discount on flight booking, and 15% Cash-Back on Ola cab booking. So if you want to earn Cash-Back then this card can be a very good option for you. 

But if you are looking for benefits like Lounge access or free golf rounds, then you can go for Standard Chartered Super Value Titanium Credit Card, it offers complimentary lounge access and other exclusive benefits, and if you want golf access then you can go for Standard Chartered Ultimate Credit Card.

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