Standard Chartered DigiSmart Credit Card to Make Every Swipe Count

The Standard Chartered DigiSmart is a versatile credit card. Designed exclusively for modern professionals and digital-first users, it offers cashback and direct discounts on major online purchases, from food delivery to transportation. 

With a nominal monthly fee of ₹49 and a waiver, the Standard Chartered DigiSmart credit card is a great option if your everyday expenses are focused on partner brands like Zomato and Blinkit. 

Continue reading to explore how it benefits your everyday spending.

What are the Standard Chartered DigiSmart Credit Card Benefits?

The Standard Chartered DigiSmart credit card offers up to 25% instant discount for travel bookings on Yatra. 

Users can get a flat 20% discount (up to ₹750) on domestic flights and a 25% discount (up to ₹4,000) on domestic hotels. For international travel, they receive a 10% instant discount (up to ₹10,000) on flight bookings of ₹20,000 or more. Each of these offers is available for one transaction per quarter.

Suppose you fly overseas every quarter for business, and every flight booking costs around ₹30,000. This means, on each quarterly booking, you will save ₹3,000 (10% of 30,000), leading to a total savings of ₹12,000 every year. 

In addition to travel spends, the card rewards transactions on popular everyday apps like Zomato, Blinkit, and Ola. Let us take a look: 

1. Zomato: Enjoy an instant discount of 10% (up to ₹150 per transaction) on 5 monthly transactions on the Zomato app and website. 
2. Ola: Get up to ₹600 or 15% in cashback per statement cycle on Ola cab rides. NRE account holders are not eligible for this benefit. 
3. Blinkit: Receive 10% instant discount, a maximum of ₹1,000, on 5 transactions every month on Blinkit. 
4. INOX: Buy 1 movie and get 1 for free at INOX on Saturdays and Sundays. The discount applies twice a month for a maximum of ₹200 per transaction. 

Note: 

1. Users must apply the promo code ‘DIGISMART’ to receive instant discounts on Blinkit, Zomato, and Yatra. 
2. For INOX and Ola, no code is needed. Simply pay with your DigiSmart card to automatically get the offers at checkout.  

How to Redeem Cashbacks Earned on the Standard Chartered DigiSmart Credit Card? 

You can redeem the cashback either via the 360° Rewards portal or phone banking.  

Here is a step-by-step guide: 

1. Online Portal: 
   1. Log in with your Online Banking credentials. First-time users have to register first to proceed. 
   2. Browse the Cashback Catalogue to make your selection. 
   3. Redeem the amount for the product.

You can also use the accumulated cashback to pay off your credit card outstanding for each statement cycle. 

2. Phone Banking: 
   1. Call the Phone Banking number specific to your city to place your order. 
   2. Once your request is processed, the product will be mailed to your registered address within 10 working days.

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Additional Features of Standard Chartered DigiSmart Credit Card 

Featuring a dial-a-loan facility, you can get an instant loan of up to ₹5,00,000 on your Standard Chartered DigiSmart card for a tenure of up to 60 months without any documentation. The card also features:   

1. Balance Transfer: Users can transfer up to ₹5,00,000 from other credit cards to the Standard Chartered card and pay as little as 5% of the balance monthly.
2. Kuch Bhi on EMI: Turn your purchases of ₹2,000 or more into monthly payments at interest rates starting at 0.99% over 3 to 60 months.  
3. EMI Conversion of Outstanding Balance: Pay your credit card outstanding balance in monthly instalments with interest starting at just 1.49% per month.

💡For added benefits, install PICE! It keeps your credit score safe and your payments organised by clearing dues promptly.

Who is Eligible to Apply for the Standard Chartered DigiSmart Credit Card?  

Any Indian aged 21 to 65 with a minimum monthly income of ₹50,000 can apply for the DigiSmart credit card. 

During the Standard Chartered DigiSmart credit card application, commonly required documents include: 

• Identity Proof: PAN card, Aadhaar card, Passport, Voter ID, or Driving License. 
• Address Proof: Utility bill, Passport or Rental Agreement. 
• Income Proof:
  • Salaried: Latest 3 months' salary slips, bank statement. 
  • Self-Employed: Latest ITR and business continuity proof.

What are the Standard Chartered DigiSmart Credit Card Charges? 

Both the primary and supplemental Standard Chartered DigiSmart credit cards have a monthly fee of ₹49 + GST, which is reversed on monthly spends of ₹5,000 and more. 

Other key charges of this card include: 

💡Avoid unnecessary penalties and protect your credit score by using PICE! It seamlessly tracks statements, sets payment alerts, and completes all your credit card bill payments before deadlines.

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