DigiSmart Credit Card by Standard Chartered Bank Review 2024: Features, benefits, eligibility

Standard Chartered Bank DigiSmart Credit Card 2023:

The all new Digi Smart Credit Cards by Standard Chartered bank, is mainly crafted for those online  shopaholic who are  excited to catch hold of all the benefits,  exclusive discounts and  cash backs drawn out of all the spends done on groceries, movies, fashion, car rentals, food & travel.

DigiSmart Credit Card by Standard Chartered Bank Review

DigiSmart Credit Card Key Highlights:

SUPPLEMENTARY CARDS= The  bank helps the cardholders to issue supplementary credit cards under the digismart card. Supplementary cards are , secondary type of credit card that is issued under a primarycredit card that the principal cardholder can give it to a family member.

CONTACTLESS CREDIT CARD= Users can pay faster, securely which imparts complete freedom from cash with the help of contactless credit card.

SECURE TRANSACTIONS =  Enhanced security for  online transactions through 3D secure OTP verification.

DIGITAL PAYMENT SOLUTION=  Payment solutions like BharatQR, Bharat bill payment solution(BBPS), and Samsung Pay can be used  with this card.

360 DEGREE REWARDS = Users can redeem rewards points against online catalogue with the Standard Chartered 360 degree rewards program.

LOAN= Users can avail loan on credit card up to Rs. 500,000, with flexible tenure from 12 to 60 months.

BALANCE TRANSFER = Transferring of card balance up to Rs.500,000 From one bank credit card at good interest rate.

Best suited forOnline shopping ,travel, movies
Annual feesNo Annual fees, instead clients will be charges a modest sum of Rs. 49/- p.m, which will be waived on monthly spends of Rs.5000 in the next calendar month of fee levied.
Finance charges3.75% p.m ( 45% p.a)
Late Payment ChargesUpto Rs. 100/- = Nil Rs. 101/- to Rs 500/- = Rs 100/- Rs.501/- to Rs 5000/- = Rs 500/- Rs.5001/- to Rs 15,000/- = Rs 700/- Rs.15,001/- to Rs 25,000/- = Rs 800/- Above Rs. 25,000/- = Rs 12,00/-
Best Feature20% off on online shopping and flight bookings.
Interest rate1.99 p.m (23.88% p.a)
Renewal FeeRs.49/- (monthly fee)
Foreign Currency Markup charge3.5% of the conversion amount
Cash Advance Charge3% of the transaction amount subject to a minimum charge of Rs. 300/-.
Welcome BenefitNil
Lounge Access benefitNil
Insurance BenefitNil
Fuel surcharge1% fuel surcharge
Discounts on Myntra Grofers Zomato Yatra.com Ola. 20% off on Myntra purchases with no minimum spends. . 10% off at Grofers with no minimum spends. . 10 % off at Zomato with no minimum spends. .20% discount at Yatra.com on domestic flight up to Rs.750/- and 10% discount, up to Rs 10000/- on International flights. .25% discount on hotel bookings up to Rs.4000, can be used only once in a quarter. . 15% cashback on Ola cab bookings with  maximum cashback of Rs.600/-. To avail all these discounts .
Movie  ticket offer. Buy 1 get 1 (BOGO) movie ticket offer, at INOX on weekends, valid only for 2 transactions per month with max discount of Rs 200/- .
Instant approval availableInstant approval on application and completion of KYC  online through video call.
Zero Liability ProtectionUsers will not be liable for any unauthorized transactions if the card is lost.
Reward Redemption FeesNIL

DigiSmart Credit Card Eligibility:

  1. Age should be in the range 21 years- 65years and for supplementary cardholder the age should be 18 years.
  2. Stable income that must be of at least Rs.50, 000/-
  3. Must be able to produce all necessary documents that can be used to proof the identity, address, salary slip or financial documents.
  4. Important documents include ——- Pan Card, voter Id, passport, driving license, Aadhar card,
  5. 1 passport size photo.
  6. Latest one month salary slip, IT Returns.

How to apply for DigiSmart Credit Card?

  1. First one need to visit the official site of the bank  i.e  https://www.sc.com/in/
  2. Then Click on “ Credit Card”
  3. Select “ Digi Smart Credit card”
  4. Click Apply
  5. Fill in the form and provide necessary documents.
  6. Press Submit
  7. After the process is finished the further steps will be initiated from banks end after the application is accepted.

Conclusion Customized basically for online shoppers, earning attractive discounts and offers and cash back are its hallmark that makes it sought after for its users. Also a good choice for people with no credit history, as they can also opt for it , and reap the benefit with lower annual fee, great reward facility makes it affordable