Standard Chartered DigiSmart Credit Card
  • Standard Chartered DigiSmart Credit Card 5 / 5.0 from 1 users

Standard Chartered DigiSmart Credit Card

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At a Glance

  • Joining Fee

    Rs 49 /-
    • Monthly fee waiver on spending Rs. 5,000 in the previous month.
  • Annual Fee

    Rs 49 /-
    • Monthly fee waiver on spending Rs. 5,000 in the previous month.
  • Annual Rewards

    Rs 0 /-

Reward Rates

  • 20.0%

    20% Discount at Myntra. Max Rs. 700 a month.

  • 10.0%

    10% Discount on Grofers.com. Max Rs. 1,000 a month.

  • 10.0%

    10% Discount on Zomato Orders. Max Rs. 750 a month.

  • 15.0%

    15% Cashback on Ola Cabs. Max Rs. 600 a month.

1 + 1 INOX Movie Ticket

Save upto Rs. 200 INOX Movie Tickets, upto max 2 tickets a month. Valid on Weekend shows only.

Highlights

  • Save flat 20% on Myntra, valid on only one transaction in a statement cycle. Maximum discount of Rs. 700 per cycle.
  • Save flat 10% on Zomato, valid on maximum 5 transactions in a billing cycle. Max discount of Rs. 150 per transaction, subject to total benefit of Rs. 750 per billing cycle.
  • Save flat 20% on domestic flight bookings at Yatra, with a maximum discount of Rs. 750. Valid on a single transaction every trimester.
  • Save flat 10% on International flight bookings at Yatra, with a maximum discount of Rs. 10,000. Valid on a single transaction of Rs. 20,000 or above, each trimester.
  • Save flat 25% on domestic hotel bookings at Yatra, with a maximum discount of Rs. 4,000. Valid on a single transaction per trimester.
  • Save flat 15% every month on payment of Old cabs (except share rides). Total benefit of Rs. 600 a month.
  • Save flat 10% online grocery purchase at Grofers, valid on maximum 5 transactions. Max discount of Rs. 1,000 every month.
  • Save upto Rs. 400 on INOX Weekend movie ticket purchase with Buy 1 Get 1 offer, every month. Valid on maximum 2 ticket purchases per month.

Features

  • 1% Fuel Surcharge Waiver

    Save 1% on Fuel Surcharge applicable on purchase of any fuel product at any petrol pump.

  • Contactless Payment Feature

    SC DigiSmart Credit Card is enabled with Contactless Payment Facility that lets you pay for any transaction value of up to Rs. 2,000 just by waving the card at PoS.

  • EMI Conversion

    Convert any transaction of Rs. 5,000 or above into 6 to 48 months long EMIs with interest rate of 1.08% every billing cycle..

  • Loan on Credit Card

    Avail credit card loan of upto Rs. 5 Lacs for maximum 5 years with low interest rate of 0.99% for first 6 months and 3.49% per month thereafter. You can even order a draft at your doorstep.

  • Balance Transfer on Card

    Transfer card balance of maximum Rs. 5 Lacs from any other bank's credit card to SC DigiSmart Card, at low interest rate of 0.99% for first 6 months and 3.49% per month thereafter.

  • Card Balance on EMIs

    Convert entire credit card balance of maximum Rs. 5 Lacs into 6 to 60 EMIs, with zero processing fee and interest rate of 1.49% per month.

S Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

C Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

Staff Reviews

Very Good Cashback Value

Upto 25% discount on all online purchase including groceries, travel, apparel and food is the best value on any cashback card for online shopping. Although, the only downside is the most of the cashbacks are valid on a single transaction every month.

Very Good

Finance Charge, Interest Rates (APR)

41.88%

Average

Eligibility Criteria

Standard Chartered Bank usually doesn't offer DigiSmart Card to any existing SC credit card holder.

Poor

Annual Fee

DigiSmart Card comes with low monthly fee of Rs. 49. If you carry the card for a year, it cost you Rs. 688 which is slightly higher than most of the cashback credit card available. Although, monthly fee waiver seems achievable for a general credit card user. Moreover, add-on card charges are same.

Average
1 5 5
2019-12-28

I’m a frequent shopper and purchase most of my products online, zomato, ola and grofers being my main spending places. It also covered for my apparel shopping though I usually shop from Myntra. With my usual spending of Rs. 20,000 a month, the card proves to be quite useful for me.