Standard Chartered DigiSmart Credit Card Review
Author And Publisher: Gyro 3.oStandard Chartered DigiSmart Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Standard Chartered DigiSmart Credit Card Review: Exclusive Online Discounts with Instant Virtual Card Activation
introduction
The Standard Chartered DigiSmart Credit Card is purpose-built for India's digital-first consumers who thrive on online shopping, food delivery, travel bookings, and everyday digital transactions. This card strips away complexity and premium positioning to deliver straightforward value where users actually spend—across Blinkit, Zomato, Yatra, Ola, and INOX. With a modest ₹49 monthly fee (easily waived at ₹5,000+ spend), contactless security, virtual card instant availability, and partnerships with the nation's most-used digital platforms, DigiSmart targets the massive cohort of urban millennials and Gen-Z professionals who have abandoned cash for app-based convenience. It's not a premium rewards card; it's a pragmatic digital wallet in plastic form.
key features and benefits
Groceries Discounts
- get 10% off on Blinkit with no minimum spend.
- This offer is valid for five transactions per month, with a monthly discount maximum of INR 1,000.
- use promo code DIGISMART.
Food offers
- get 10% discount on Zomato orders with no minimum spend.
- Valid for 5 transactions per month with a maximum discount of INR 150 per transaction.
- use promo code DIGISMART.
movie perks
- Buy One Get One (BOGO) movie ticket free at INOX on Saturdays and Sundays.
- Valid for 2 transactions per month with a maximum discount of INR 200 per transaction.
Cashback on OLA cabs
- Get 15% cashback on your Ola cab bookings with a maximum cashback of INR 600 per month.
Travel Perks
- Get a 20% discount at Yatra on domestic flights upto INR 750.
- get 10% discount on international flights upto INR 10,000.
- get 25% discount on domestic hotel bookings upto INR 4,000.
- Valid for 1 transaction per quarter, per category.
- Apply promo code: DIGISMART.
digital interaction
- Get instant approval on your application and also complete your KYC online through a video.
additional perks
Extend the credit card benefits to up to 2 family members. Spread the joy with them!
Use contactless credit card & enjoy complete freedom cash transaction with faster checkouts & secure payments.
Enjoy enhanced security for online transactions on your credit card through 3D secure OTP Verification.
Avail wide range of instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS) & Samsung Secure Pay.
With Kuch bhi on EMI option, convert your big spends above ₹ 2,000 to easy EMI through online banking or SC Mobile. Get attractive pricing & flexible tenure options.
Get loan up to ₹ 5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Transfer card balance from other bank credit cards up to ₹ 5,00,000 at attractive interest rate.
Card Essential
Rewards and Benefits Analysis
With heavy use of Blinkit, Zomato, INOX, Ola, and Yatra offers, this card can deliver about ₹32,166 in yearly savings for a digitally active user who regularly maximises all partner discounts.
Practical Considerations
fee & charges summary:
- annual fee: ₹49/month
- Joining fee: ₹0
- forex: 3.5% + taxes.
- interest: 3.75% per month (45% p.a)
Eligibility:
- Age: 21-65 years; add-on cardholder minimum 18 years.
- Monthly income: Minimum INR 50,000 with stable income.
- Sourcing: Applicant should belong to the bank’s credit card sourcing cities/locations.
- Checks: All applications are subject to the bank’s credit and other policy checks.
- ID proof: Any one photo ID such as Passport, Voter ID, Govt ID, etc.
- PAN: PAN Card required.
- Address proof: Aadhaar.
- Photo: 1 recent passport-sized photograph.
- Salaried: Latest 1-month salary slip.
- Self-employed businessmen: Latest IT return with income computation/certified financials and business continuity proof.
- Self-employed professionals: Latest IT return and business continuity proof.
Redemption Options
Blinkit and Zomato
Use promo code DIGISMART while paying with this card to get instant discount/cashback on each eligible order; nothing to track or redeem later.Movies, travel, and cabs
INOX BOGO/free tickets, Yatra discounts, and Ola offers apply directly on eligible transactions, so benefits are consumed at the time of payment itself.No traditional reward redemption
There is no reward points balance, catalogue, miles conversion, or statement credit redemption specific to DigiSmart; treat it purely as a partner-discount card.
Ideal User Profile
High-frequency digital grocery and food delivery user spending ₹5,000+ monthly on Blinkit, Zomato, and Ola to fully utilise 10% partner savings and fee waiver.
Urban millennial or Gen-Z professional who is digitally native, transacts mostly via apps, and prefers contactless and instant virtual card access.
Budget-conscious online shopper seeking affordable credit with a predictable ₹49 monthly fee that can be waived through consistent ₹5,000+ spends.
Entertainment and travel-focused buyer who regularly mixes groceries and food delivery with INOX weekend movies and Yatra flight/hotel bookings for holistic lifestyle value.
Final Thoughts
Strengths
Strong 10% savings on Blinkit and Zomato for regular users.
Low ₹49 fee, easily waived at ₹5,000+ monthly spend.
Instant virtual card, contactless and 3D Secure protection.
EMI, balance transfer, and loan options for added flexibility.
Supplementary cards let family share the same benefits.
Limitations
No rewards on non-partner spends; weak as an all-rounder card.
Heavy reliance on Blinkit/Zomato offers staying active.
Fee waiver works with a delay, not in the same billing cycle.
1% rental fee and extra charges on supplementary cards.
This review offers a clear and balanced overview of The Standard Chartered DigiSmart Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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