Standard Chartered DigiSmart Credit Card: Features & Benefits

Summary

The Standard Chartered DigiSmart Credit Card is a special card for online shoppers, food lovers, travelers, and movies buffs. It offers exclusive discounts and cashback on platforms like Myntra, Zomato, Ola, Blinkit, Yatra, and INOX, and so it suits the ones who avail digital services frequently.

It is one of the strongest aspects it has that they have a very low fee plan. Rather than paying an annual fee, you pay a nominal monthly fee of ₹49 + GST. What’s great about it is if you don’t use the card at all during a specific month, you aren’t charged with any fee at all, and this makes it very flexible.

This Credit card is ideal for students, young adults, and online shoppers who require to save on frequent purchases. The added convenience from the no-fee, no-use approach makes it well-suited for persons who prefer no-frills credit cards.

Nevertheless, the consumers should be cautious about the exorbitant interest rate (3.75% per month) and charges for late payment. Furthermore, a 3.5% foreign exchange markup on cross-border transactions is imposed. Otherwise, the DigiSmart Credit Card is an excellent option for dining, shopping, and travel aficionados.

Introduction

In today’s digital age, shopping online, food ordering, and entertainment have become a part of our daily lives. If you are an online buyer, film enthusiast, or food enthusiast who orders food online frequently, the Standard Chartered DigiSmart Credit Card can be a suitable choice for you. The credit card has been designed to indulge in special offers and cashback on popular brands like Myntra, Zomato, Grofers (now Blinkit), and Ola.

In contrast to conventional credit cards, the DigiSmart Credit Card does not possess a fixed annual cost. What it has is a minimal monthly cost, thus making it budget-friendly for Internet shoppers making recurring purchases. The advantage is that you don’t have to spend too much money to cross the threshold to enjoy its advantages. Even for smaller transactions, you can save a lot of money in the way of discounts and offers.

This card is ideal for young working professionals, students, and online shoppers who wish to get maximum savings out of their money. From dining out and traveling, apparels, to grocery shopping, DigiSmart Credit Card offers multiple advantages in multiple categories. If you are using digital channels for your day-to-day requirements regularly, this card will enable you to save money while providing you with a hassle-free shopping experience.

In the coming sections, we will explain the advantages, benefits, suitability, and application process of the Standard Chartered DigiSmart Credit Card. Read on to know how this card can enhance your online lifestyle!

What is the Standard Chartered DigiSmart Credit Card?

The Standard Chartered DigiSmart Credit Card is a unique credit card for shopaholics, foodies, travelers, and entertainment lovers. It provides excellent discounts and cashback on trending online websites such as Myntra, Zomato, Blinkit (previously Grofers), Yatra, and Ola.

Unlike traditional credit cards, where an annual fee is charged, this card has a very small monthly fee, and that too is not for everybody. It is best optimized for those who spend digital services in bulk on a frequent basis on shopping, ordering food, booking trips, etc.

How is the design of the Standard Chartered DigiSmart Credit Card?

Standard Chartered DigiSmart Credit Card has a new and sleek appearance that looks modern and stylish. It comes in black with digital and futuristic designs, so the card looks intelligent and fashionable. The card’s design is not complex, as it has Standard Chartered logo on top and “DigiSmart” name written in uppercase letters.

Different from the ordinary credit cards, this one is designed to handle the electronic working habit of executives and web-based buyers. Its card details such as the number of the card and the expiration date are clearly embossed to promote ease of application. It features a slim sleek design and classy look which earns it jealousy space in your purse!

What are the benefits of the Standard Chartered DigiSmart Credit Card?

Here are the key benefits along with the real benefits you can enjoy:

1. Shopping (Myntra)

• Enjoy a 20% discount on Myntra purchases.

• No minimum spend is required.

• Maximum discount: ₹700 per month.

2. Food Delivery (Zomato)

• Enjoy a 10% discount on Zomato orders.

• Maximum discount: ₹150 per order (up to ₹500 per month).

3. Cab Rides (Ola)

• Enjoy 15% cashback on Ola rides.

• Maximum cashback: ₹600 per month.

4. Travel (Yatra)

• Enjoy up to 20% discount on domestic flight tickets.

• Get up to 10% discount on international flight bookings.

• Get up to ₹1,000 off on hotel bookings.

5. Grocery Shopping (Blinkit – formerly Grofers)

• Get a 10% discount on grocery shopping.

• Max discount: ₹150 per order (up to ₹500 per month).

6. Entertainment (INOX Movies)

• Get Buy 1 get 1 buy-1-get-1-free movie ticket every month.

• Max discount: ₹200 per month.

7. No Fixed Annual Fee

• No annual fee if you don’t use the card.

• For a mere small monthly fee of ₹49 + GST.

What are the fees for the Standard Chartered DigiSmart Credit Card?

Here is a simple Standard Chartered DigiSmart Credit Card fee breakup.

Joining Fee	₹49 + GST (If the card is used in a month)
Annual Fee	₹49 + GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	3% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Standard Chartered DigiSmart Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Standard Chartered DigiSmart Credit Card?

The documents that you will have to submit to Get a Standard Chartered DigiSmart Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Standard Chartered DigiSmart Credit Card be used?

Here is the list of places where you can use it:

• With the Standard Chartered DigiSmart Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Standard Chartered DigiSmart Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Standard Chartered DigiSmart Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Standard Chartered DigiSmart Credit Card?

The credit limit of the Standard Chartered DigiSmart Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Standard Chartered Bank once you have made your application.

How do you apply for a Standard Chartered DigiSmart Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Standard Chartered Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you can choose the  Standard Chartered DigiSmart Credit Card.

• Just hover your cursor on the Standard Chartered DigiSmart Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Standard Chartered Bank branch to apply for the Standard Chartered DigiSmart Credit Card.

• Request for the credit card application form for the Standard Chartered DigiSmart Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Standard Chartered DigiSmart Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Bank Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Standard Chartered DigiSmart Credit Card in 2025 be right?

Yes, getting a Standard Chartered DigiSmart Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Standard Chartered Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The Standard Chartered DigiSmart Credit Card is ideal for individuals who enjoy online shopping, ordering food, cab rides, and entertainment. It provides excellent discounts on leading platforms such as Myntra, Zomato, Ola, Blinkit, Yatra, and INOX, which makes it an ideal card for regular online users. Unlike regular credit cards, this card does not have a fixed annual fee. Instead, it has a nominal monthly fee of ₹49 + GST, which is less expensive, especially for those who want to save on daily expenses.

Another plus point of this card is that you don’t have to fulfill huge spending requirements to receive the benefits. With small transactions, too, you get discounts and cash back, a relief for frugal users. If you shop on Myntra, order food on Zomato, book Ola taxis, or travel frequently using Yatra, this card will save you hundreds to thousands of rupees every month. Also, the Buy 1 Get 1 Free movie deal on INOX movies is a great benefit for film enthusiasts.

One of the key features of the Credit Card is that it follows a no usage, no fee policy. This implies that if you don’t use the card during a specific month, you won’t be required to pay the monthly charge. This is an excellent choice for those looking for flexibility and not wanting to lock themselves into a fixed annual fee.

Frequently Asked Questions (FAQ’s)