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Standard Chartered Digi Smart Credit Card

★★★★★(4.4)

The Digi smart credit card is the ultimate solution for all your online transactions and offers amazing discounts. For a monthly fee of ₹49, you get 20% off on Myntra, 10% off on Grofers, 10% off on Zomato, a free movie ticket at Inox, and a 20% discount on flight bookings. Plus, this card covers all your online purchases, making it a convenient and hassle-free option. Keep reading to know more about what this card has to offer. 👇

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Standard Chartered Digi Smart Credit CardFromSBI Bank
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Features and Benefits

Aspects that make spending using this card lit as the sun!

✘Welcome Bonus
✔Travel
✘Fuel
✘Rewards
✔Shopping
✘Cashback
✔Dining
✘Insurance
✘Interest
Travel Benefit
Travel Benefit
  • 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
  • 10% discount on international flight bookings with a max discount of ₹10,000.
  • Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
  • 15% cashback on cab booking with Ola with a max discount of ₹600 per month.
EMI Benefit
EMI Benefit
  • Avail the EMI facility on transactions above ₹2,000, which can be accessed through the internet or mobile banking.
Concierge Services
Concierge Services
  • Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
  • Phone number: 1800 102 7274
  • Email: scb.priority@aspirelifestyles.com
Dining Benefit
Dining Benefit
  • Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.
Shopping Benefit
Shopping Benefit
  • 20% off at Myntra with no minimum spend. Valid on 1 transaction per month up to a maximum discount of ₹700.
  • Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000.
Entertainment Benefit
Entertainment Benefit
  • BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction. Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹49

Annual Fee

₹49

Annual Percentage Rate

45%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

3%

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

NA
Pros

Aspects that make this credit card amazing.

  1. ⮚The contactless payment feature allows for quick and convenient transactions.
  2. ⮚The EMI facility enables cardholders to make larger purchases.
  3. ⮚The loan against the credit card is a convenient option for those needing quick cash.
  4. ⮚The balance transfer option can help cardholders save on high-interest charges.
  5. ⮚The card comes with various dining and travel benefits.
Cons

Aspects this credit card lacks.

  1. ⮚Some offers, such as the Buy 1 Get 1 movie ticket offer, come with a limitation.
  2. ⮚The monthly membership fee of ₹ 49 can burden those who do not regularly use their credit card.
  3. ⮚The balance transfer limit of ₹ 5 lakh may be too low.
  4. ⮚Not all merchants accept contactless payment.
  5. ⮚The interest rate on loans against a credit card may be high.

Standard Chartered Digi Smart Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

The Standard Chartered Digismart Credit Card is suitable for regular commuters, particularly those who prefer using Ola for their rides. This card provides a cashback of 15% on all rides, up to a maximum of Rs. 600 per month. It is an entry-level credit card that comes with a low monthly fee of Rs. 49. Additionally, it offers considerable discounts on various categories, such as travel, entertainment, shopping, and more. You can take advantage of amazing perks and discounts when you shop at Myntra, Grofers, INOX, Zomato, and Yatra.

Overview

Best SuitedShopping, Movie & Traveling
Welcome BonusN/A
Joining Fee₹49 per month
Annual FeeNil

Who should get an Standard Chartered Digi Smart Credit Card?

How to Apply for an Standard Chartered Digi Smart Credit Card?

Before applying, it's important to fully understand the terms and conditions of the card. If a user still has any doubts or questions, reach out to the bank for clarification.

Standard Chartered Digi Smart Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
    • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.