Our Money Guide

The Standard Chartered DigiSmart Credit Card gives attractive benefits on specific merchants to cater to a variety of your shopping and travel needs – Myntra (fashion & apparel), Yatra (flights & hotels), Grofers (online grocery), Zomato (food delivery), Inox (movies), Ola (local commute).

It also offers a monthly subscription plan, wherein instead of annual fees it charges a monthly fee of ₹49 – which is waived if you spend ₹5,000 or more in a month.

Brief Summary

Our Rating
4.0 / 5

Our View :

Very targeted card , with an interesting monthly fee structure instead of the standard yearly annual fee structure.

Best for those who can take advantage of merchant specific discounts across travel (10% discount on international flights on Yatra, once per quarter), fashion (20% discount on Myntra, once per month), grocery (10% discount on Grofers, once per month), food orders (15% discount on Zomato), local commute (15% discount on Ola), and movies (Buy One Get One Free Movie Offer (BOGO) at Inox).

The card comes with a monthly fee of ₹49, which is waived off if you spend ₹5,000 or more in the previous month.

Standard Chartered DigiSmart Credit Card

on Standard Chartered Bank website

Standard Chartered DigiSmart Credit Card

Special Benefits

10%-20% discount at specific merchants

Other Benefits

Minimum Income

Not specified

Monthly Fee

₹49

Fee Offers

Monthly fee is waived off if you spend ₹5,000 or more in the previous month

Standard Chartered DigiSmart Credit Card : Summary Table

20% discount on Myntra (fashion)– You can avail this discount only once per month. There is no minimum order purchase requirement.
– You get 20% discount , on a purchase of upto ₹3,500 (since the maximum discount is ₹700 per monthly card bill cycle)
– On a purchase amount higher than ₹3,500, you will get a fixed discount of ₹700 – hence your discount% will be lower than 20% and will depend on the amount of your purchase.
10% discount on Grofers (grocery)– You can avail this discount 5 times per month. There is no minimum order purchase requirement
– You get 10% discount , on purchases of upto ₹10,000 per month (since the maximum discount is ₹1,000 per month)
– You can utilize this discount on a single order, or more number of orders during the month – upto a maximum number of 5 orders per monthly card bill cycle. 
– On a purchase amount higher than ₹10,000, you will get a fixed discount of ₹1,000. Hence your discount% will be lower than 10% and will depend on the amount of your purchase.
10% discount on Zomato (food delivery)– You can avail this discount 5 times per month – maximum discount of ₹150 per transaction  . There is no minimum order purchase requirement. 
– You get 10% discount on purchases upto ₹1,500 per order (since maximum discount is ₹150 per transaction)
– If your order amount is more than ₹1,500 , your discount% will fall below 10% since the maximum discount amount is fixed at ₹150 per transaction.
Buy One Get One Free Movie Offer (BOGO) at Inox (free movie tickets)– You can avail  the offer maximum 2 times per month
– You need to buy 1 ticket, and get maximum ₹200 off on the 2nd ticket
– This offer is only applicable on weekends (Saturdays & Sundays)
25% discount on domestic hotels bookings- on Yatra– You can avail this discount once per quarter.
– You get 25% discount at domestic hotels, on a single hotel booking of upto ₹16,000 (since maximum discount is ₹4,000 per month)
– You can do a single hotel booking of more than ₹16,000, but you will get a fixed discount of ₹4,000 on the booking, hence your discount% will be lower than 25% , and will depend on your hotel booking amount.
20% discount on domestic flights – on Yatra– You can avail this discount once per quarter.
– You get 20% discount on domestic flights tickets, on a single flight booking of upto ₹3,750 (since maximum discount is ₹750 per quarter)
– You can do a single flight booking of more than ₹3,750, but you will get a fixed discount of ₹750 on the purchase, hence discount% will be lower than 20% and will depend on the amount of your flight booking
10% discount on international flight bookings- on Yatra– You can avail this discount once per quarter. Minimum flight booking amount is ₹20,000. 
– ​​You get 10% discount on international flight bookings, on a single flight booking of upto ₹1 lakh (since maximum discount is ₹10,000 per month)
– You can do a single flight booking of more than ₹1 lakh, but you will get a fixed discount of ₹10,000 on the booking, hence discount% will be lower than 10% and will depend on the amount of your flight booking
15% cashback on Ola– You get 15% cashback on spends upto ₹4,000 per month  (since maximum discount is ₹600 per month). There are no restrictions on the number of transactions per month, nor on the minimum spend amount. 
– You can do spends of more than ₹4,000 per monthly card bill cycle, but you will get a maximum discount of ₹600 per month, hence discount% will be lower than 15% and will depend on the amount of your purchase
– Discount is only applicable on Ola cab (and not on bikes, auto etc). Discounts are not applicable on Ola wallet loads/recharges.
₹49 Monthly FeeMonthly Fee Waiver Offer : Your monthly fee is waived if you spend ₹5000 or more in the previous month

Pros & Cons

Benefits of using the Standard Chartered DigiSmart Credit Card

  • Very good card if you can stick to the specific merchants for your various spending needs
  • Low financial commitment on annual fees, since the card offers a low monthly fee feature
  • Not difficult to reach the monthly spend target of ₹5000 , to get monthly fee waived off – if you use all the specific merchants

Limitations and drawbacks to consider

  • Benefits are restricted to a specific group of merchants, hence the card does not offer a wide choice to spend & earn rewards

Full Review of the Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card

Features & Benefits of Standard Chartered DigiSmart Credit Card

20% discount on Myntra (fashion)

Earning rewards & limits on rewards : You can avail this discount only once per month. There is no minimum order purchase requirement. You get 20% discount , on a purchase of upto ₹3,500 (since the maximum discount is ₹700 per monthly card bill cycle)

On a purchase amount higher than ₹3,500, you will get a fixed discount of ₹700. Hence your discount% will be lower than 20% and will depend on the amount of your purchase. For example, if your Myntra order value is ₹7000, you will get a discount of ₹700 , and your discount% would be 10%.

Redeeming rewards : You just need to use your Standard Chartered DigiSmart Credit Card on Myntra, the discount amount will be automatically deducted from the total amount payable on the Myntra Website/App.

Other important information : This offer cannot be combined with any other ongoing Standard Chartered Bank offers or promotions. For details, please click here.

10% discount on Grofers (online grocery)

Earning rewards & limits on rewards : You can avail this discount 5 times per month. There is no minimum order purchase requirement.

You get a 10% discount , on purchases of upto ₹10,000 per month (since the maximum discount is ₹1,000 per month). You can utilize this discount on a single order, or more number of orders during the month – upto a maximum number of 5 orders per monthly card bill cycle.

On a purchase amount higher than ₹10,000, you will get a fixed discount of ₹1,000. Hence your discount% will be lower than 10% and will depend on the amount of your purchase. For example, if you do purchases of ₹20,000 during the month, you will get a discount of ₹1,000 , and your discount% would fall to 5%.

Redeeming rewards : To avail the discount, the cardholder must enter the discount code ‘DIGISMART’ on the Grofers App/Website during the transaction. The discount will be applied instantly to the total amount payable.

Other important information : This offer cannot be combined with any other ongoing Standard Chartered Bank offers or promotions. For details, please click here.

10% discount on Zomato (food delivery & restaurants)

Earning rewards & limits on rewards : You can avail this discount 5 times per month – maximum discount of ₹150 per transaction  . There is no minimum order purchase requirement.

You get a 10% discount on a single order amount  upto ₹1,500 per transaction (since maximum discount is ₹150 per transaction). If your order amount is more than ₹1,500 , your discount% will fall below 10% since the maximum discount amount is fixed at ₹150 per transaction. For example if your order amount is ₹3,000, you would get the maximum discount of ₹150 and your discount% would fall to 5%.

Redeeming rewards : To avail the discount, the cardholder must enter the code ‘DIGISMART’, in the e-coupon field during the Zomato App/Website transaction. The discount will be applied instantly to the total amount payable.

Other important information : This offer cannot be combined with any other ongoing Standard Chartered Bank offers or promotions. For details, please click here.

Buy One Get One Free Movie Offer (BOGO) – at Inox (free movie tickets)

Earning rewards & limits on rewards : You can avail the offer maximum 2 times per month. You need to buy 1 ticket, and get maximum ₹200 off on the 2nd ticket. This offer is only applicable on weekends (Saturdays & Sundays)

Redeeming rewards: To redeem please follow these steps:

  1. Visit www.inoxmovies.com, the mobile app, or the mobile website.
  2. Proceed with the regular ticket booking process, selecting the city, movie, cinema, show date, show time, and seats you choose.
  3. Provide your email ID and mobile number for transaction confirmation through email and SMS.
  4. On the Order Summary Page, go to the “Discounts and Offers” section and select “Standard Chartered Bank Buy 1 and get 1” on movie tickets.
  5. Enter the required details and click the “Apply” button to avail the discount.
  6. Fill in valid Standard Chartered DigiSmart credit card details on the payment page to complete the transaction.

Other important information: This offer cannot be combined with any other ongoing Standard Chartered Bank offers or promotions. For details, please click here.

25% discount on domestic hotels – on Yatra

Earning rewards & limits on rewards : You can avail this discount once per quarter. You get 25% discount at domestic hotels, on a single hotel booking of upto ₹16,000 (since maximum discount is ₹4,000 per quarter)

You can do a single hotel booking of more than ₹16,000, but you will get a fixed discount of ₹4,000 on the booking, hence your discount% will be lower than 25% , and will depend on your hotel booking amount. For example, if your hotel booking amount is ₹20,000 , you will get the maximum discount of ₹4,000 and your discount% will fall to 20%.

Redeeming rewards: To avail of the discounts, please follow these steps:

  1. Visit the Yatra App or Website.
  2. Select the desired category: Domestic Hotel Bookings.
  3. Enter the required details and proceed with the booking process.
  4. Apply the discount code “DIGISMART” at the time of payment , to redeem the instant discount.

Other important information: For details, please click here.

20% discount on domestic flight bookings – on Yatra

Earning rewards & limits on rewards : You can avail this discount once per quarter. You get a 20% discount on domestic flights bookings, on a single flight booking of upto ₹3,750 (since maximum discount is ₹750 per quarter).

You can do a single flight booking of more than ₹3,750, but you will get a fixed discount of ₹750 on the purchase, hence discount% will be lower than 20% and will depend on the amount of your flight booking. For example, if your flight booking amount is ₹7500 , you will get the maximum discount of ₹750 and your discount% will fall to 10%.

Redeeming rewards & other important information : same as explained in the above section

10% discount on international flight bookings – on Yatra

Earning rewards & limits on rewards : You can avail this discount once per quarter. Minimum flight booking amount is ₹20,000.

​​You get a 10% discount on international flights, on a single flight booking of upto ₹1 lakh (since maximum discount is ₹10,000 per quarter).

You can do a single flight booking of more than ₹1 lakh, but you will get a fixed discount of ₹10,000 on the booking, hence discount% will be lower than 10% and will depend on the amount of your flight booking. For example, if your flight booking amount is ₹2,00,000 , you will get the maximum discount of ₹10,000 and your discount% will fall to 5%.

Redeeming rewards & other important information : same as explained in the above section

15% cashback on Ola Cabs

Earning rewards & limits on rewards : There are no restrictions on the number of transactions per month, nor on the minimum spend amount. You get 15% cashback on spends upto ₹4,000 per month (since maximum discount is ₹600 per month).

You can do spends of more than ₹4,000 per monthly card bill cycle, but you will get a maximum discount of ₹600 per month, hence discount% will be lower than 15% and will depend on the amount of your purchase. For example, if your monthly Ola cab rides spends are ₹6,000 , you will get the maximum discount of ₹600 and your discount% will fall to 10%.

Discount is only applicable on Ola cabs (and not on bikes, auto etc). Discounts are not applicable on Ola wallet loads/recharges.

Redeeming rewards : Cardholders need to pay for ride bookings on the Ola App using the Standard Chartered DigiSmart Credit Card to redeem the discount.

Other important information: For details, click here.

Important Card Fees and Charges

Annual fee : instead of annual fee, the card has a monthly membership fee

Monthly feeMonthly fee offer
Joining fee for 1st month₹49
Renewal fee from 2nd month onwards₹49Monthly fee offer : Your monthly fee of ₹49  is waived if you spend ₹5000 or more in the previous month

Late payment fee

Late payment fees depends on the total payment due

Total bill amount dueLate payment charges
Less than ₹100NIL
₹101 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹700
₹10,001 to ₹25,000₹800
Over ₹25,000₹1,200

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges
3.75% per month (45% per annum)

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SCB Digismart Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age70 years
Occupation Salaried
Minimum income requirements₹50,000 per month
Credit scoreGood credit score, preferably above 750
Other requirementsApplicants must belong to the credit card sourcing cities/locations of the Bank, and all applications are subject to credit and other policy checks of the Standard Chartered Bank.

Application Process & Tracking Application Status

Step-by-step guide : how to apply for the card and track application status

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Standard Chartered website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and tracking application statusIn most cases, the credit card decision would be communicated within 7-15 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Click here to track the status of your SCB Credit Card application.

Necessary documents and verification

Required documents 
Identity proof (any one of the following photo cards)
Passport
Voter Id Card
Govt ID
PAN Card

Address proof (any one of the following documents – with current residence address)
Aadhaar Card, Passport
Driving Licence
Election/Voter’s ID Card,
Job card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of name, address.

1 recent passport-sized Photograph

Financial documents for salaried
Latest one-month salary slip

Financial documents for self-employed
Self-employed businessmen : Latest IT Returns with computation of income /certified financials, Business continuity proof.
Self-employed professionals : Latest IT Returns, business continuity proof.

Other Cardholder Benefits

Kuch Bhi on EMI“Kuch Bhi on EMI” program converts purchases into EMIs for Standard Chartered Credit Cardholders.
Get attractive interest rates on select Credit Cards.
Conversion options: SC Mobile App, Online Banking, or customer service helpline.
Flexible repayment tenure: 3 to 48 months.
Competitive processing fees & instant approval for conversion requests.
Dial-A-LoanLoan amount up to ₹5,00,000 within the credit limit
No documentation or post-dated cheques required
Interest rate starting at 0.99% per month based on eligibility
Flexible tenures from 12 to 60 months
NEFT disbursement to Standard Chartered Bank or other bank savings account within 3 working days.
Balance transferTransfer your existing card balance of up to ₹5,00,000 to Standard Chartered DigiSmart Credit Card effortlessly.
Benefit from an incredibly low-interest rate of just 0.99% per month for the initial 6 months.
After the first 6 months, your regular credit card interest rate will apply.
No extensive documentation is needed for the balance transfer process.
Instead of separate EMIs, pay 5% of your monthly outstanding balance.
Experience swift NEFT disbursement within 3 working days for a hassle-free balance transfer experience.
Balance on EMIConvert your entire outstanding balance (up to ₹5 Lakh) into EMIs.
Enjoy attractive interest rates starting at 1.49% per month.
Flexible tenure options range from 6 to 60 months.
No processing fee is involved in converting your outstanding balance into EMIs.
Conveniently pay off your credit card bill in small and comfortable instalments.
To convert your Credit Card outstanding into EMIs, simply send an SMS with the keyword “BOE” to +91-9223010121 or call us at 080-39401166/080-66011166.
24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Conclusion

In conclusion, the SC DigiSmart Credit Card gives attractive benefits on specific merchants to cater to a variety of your daily & lifestyle needs. However one is restricted only to these merchants to spend & earn rewards. You will need to assess for yourself if most of your spending needs are met by these merchants, including the restrictions on each of the merchants to earn maximum rewards.

It is also one of the few cards in the marketplace to offer a monthly fee, instead of annual fee – which lowers your financial commitment and gives you more flexibility. Moreover the monthly spend target of ₹5,000 to make the card free is not high if you these specific merchants.

Apply Now

on Standard Chartered Bank website

Frequently Asked Questions

How can I apply for the SC DigiSmart Credit Card?

You can easily apply for the SC DigiSmart Credit Card by visiting the official Standard Chartered Bank website or the SC Mobile App. Fill out the application form with the required details and submit the necessary documents for verification.

Can I transfer my outstanding balance from another credit card to the Standard Chartered DigiSmart Credit Card?

You can transfer your outstanding balance from other credit cards to the Standard Chartered DigiSmart Credit Card. This balance transfer facility allows you to consolidate your debts and enjoy a competitive interest rate for a specific period.

What should I do if my Standard Chartered DigiSmart Credit Card is lost or stolen?

In case of a lost or stolen card, it is important to report it immediately to Standard Chartered Bank’s customer service helpline. They will guide you through blocking the card and help you with the necessary steps to secure your account.

Can I track my transactions and manage my Standard Chartered DigiSmart Credit Card online?

Standard Chartered Bank provides an online banking platform and a mobile app that allows you to conveniently track your transactions, check your balance, and manage your Standard Chartered DigiSmart Credit Card from anywhere.

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