Standard Chartered DigiSmart Credit Card - Review

I have written a couple of articles in the past on various Standard Chartered Credit Cards but not on a very positive note. StanChart cards have successfully disappointed many cardholders with its not so attractive credit card perks. But its new launch, 'DigiSmart Credit Card' looks different. It carries some crisp benefits that are likely to be welcomed by most of the people.

DigiSmart credit card will not fetch you any reward points on any of the transactions made on the card. However, it offers discounts on specific merchants that are good enough to compensate for the exclusion of RPs. Although the official SC website clearly mentions that the merchants on the card can be changed, replaced or removed by SCB from time to time; the current merchant list is a delightful combination that perfectly covers one's clothing and fashion needs, air travels & accommodations, road commutes, dining, grocery requirements, and entertainment.

Standard Chartered DigiSmart Credit Card offers excellent cashback/discounts on the following merchants:

➥ Myntra
- Get a 20% instant discount on the Myntra App/Website
- Discount applicable on only 1 transaction each month
- Maximum of INR 700/- discount per transaction
- No minimum transaction size

➥ Yatra
• Domestic Flights Bookings
- 20% instant discount on Flight bookings
- No Minimum Transaction size
- Maximum discount capped at INR 750
- Applicable on 1 transaction per quarter
- Use code 'DIGISMART' and complete purchase using SC DigiSmart Card

• International Flight Bookings
- 10% Instant Discount on Flight bookings
- Minimum Transaction size of INR 20,000
- Maximum discount capped at INR 10,000
- Applicable on 1 transaction per quarter
- Use code 'DIGISMART and complete purchase using SC DigiSmart Card

• Domestic Hotel Bookings
- 25% instant discount on Flight bookings
- No Minimum Transaction size
- Maximum discount capped at INR 4000
- Applicable on 1 transaction per quarter
- Use code 'DIGISMART' and complete purchase using SC DigiSmart Card


➥ Ola
- 15% cashback when paid with DigiSmart credit card for cab rides on Ola App
- Not valid on Ola bikes, auto and share ride types
- Maximum cashback is capped at INR 600 per month

➥ Zomato
- Get an instant discount of 10% per transaction on Zomato App/website
- Discount applicable on 5 transactions per month
- No Minimum Transaction size
- Maximum discount is capped at INR 150 per transaction
- Use code 'DIGISMART' and complete purchase using SC DigiSmart Card

➥ Grofers
- Get an instant discount of 10% on Grofers app
- Maximum aggregated discount capped at INR 1000/- per month
- No Minimum Transaction size
- 5 transactions per month will be eligible for the discount

➥ INOX
- Buy 1 and Get 1 on movie tickets purchased on the INOX box office, mobile app/site, website
- Valid on shows on Saturdays and Sundays
- The benefit is available only twice in a month
- Eligible for 2 transactions per card every calendar month
- Maximum discount capped at INR 200/- per transaction
- No Minimum Transaction size

Card fee:

Primary Card: INR 49 per month, waived on monthly spends of INR 5000 in the previous calendar month
Supplementary Card: INR 49 per month, waived on monthly spends of INR 5000 in the previous calendar month

The annual fee for both the cards (Primary + Supplementary) aggregates to 1176 INR excluding taxes but is evenly distributed every month; hence, it won't pinch your pocket. Moreover, if you do not opt for any supplementary card; the fee gets half by default. This is something new in Indian credit cards space, and I feel it's a great feature to have. Also, the monthly fee gets waived off if the cardholder spends as low as INR 5000 in the preceding month. Considering the cashback and discount that this plastic offers; it's definitely an awesome credit card to have.

What do you think of SC DigiSmart Card? Do let us know in the comment section below.

Thanks for reading!

Related Articles:
▷ StanChart Platinum Credit Card
▷ StanChart Manhattan Credit Card
▷ StanChart Landmark Rewards Card
▷ StanChart Co-Branded Bandhan Bank Credit Cards
▷ Standard Chartered Super Value Titanium Credit Card