Standard Chartered DigiSmart Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Save up to 20% on your purchases at Myntra. Enjoy a 10% discount when shopping for groceries at Grofers. Get a 10% off on your food orders through Zomato. Get a Buy 1 Get 1 offer on movie ticket bookings at INOX. Save 20% on domestic and 10% on international flight bookings at Yatra.com. Save up to 25% on domestic hotel bookings with Yatra. Receive a 1% waiver on fuel surcharge. Monthly membership fee can be waived based on spending.

The Standard Chartered DigiSmart Credit Card is a great choice for individuals who enjoy movies, travel, and shopping.

With a joining fee of Rs 49 plus applicable taxes and a renewal fee of Rs 49 per month, this card offers a range of benefits that make it worth considering.

One of the key features of this credit card is its reward points system.

Cardholders can earn reward points on their purchases, which can be redeemed for a variety of rewards.

This makes it a particularly attractive option for those who like to be rewarded for their spending.

When it comes to movies, the DigiSmart Credit Card offers a Buy 1 Get 1 offer on movie ticket bookings at INOX.

This can result in significant savings for movie buffs.

Additionally, cardholders can enjoy up to 10% off on food orders on Zomato, enhancing the overall movie experience.

For shopping enthusiasts, this credit card provides up to 25% off on travel-related spends at partner brands.

Whether it's flights, hotels, or other travel-related expenses, this discount can help save money on every trip.

Furthermore, cardholders can also enjoy up to 20% off on shopping at partner brands, making it a great card for those who love to shop.

When it comes to travel, the DigiSmart Credit Card offers attractive discounts on bookings.

This includes 20% off on domestic flight bookings with Yatra.com and a 10% discount on international flight bookings.

Additionally, cardholders can benefit from up to 25% off on domestic hotel bookings, ensuring great savings on accommodation.

While this credit card does not provide specific benefits such as lounge access, golf privileges, or insurance benefits, it does offer numerous other advantages that are worth considering.

The monthly membership fee of Rs 49 can be waived off by spending Rs. 5,000 in the previous month, making it easier to enjoy the benefits of this card without any additional costs.

This spend-based waiver system adds further convenience for cardholders.

It is important to note that this card does have certain fees associated with it.

For example, a foreign currency markup fee of 3.5% of the conversion amount applies when making international transactions.

Additionally, there is a cash advance fee of 3% of the transaction amount with a minimum charge of Rs 300.

In terms of interest rates, the DigiSmart Credit Card charges 1.99% per month (23.88% per annum).

It is always advisable to pay off credit card balances in full each month to avoid accruing interest charges.

Overall, the Standard Chartered DigiSmart Credit Card is a solid choice for individuals who enjoy movies, travel, and shopping.

Its reward points system, coupled with attractive discounts, make it a worthwhile option.

However, it is important to be mindful of the associated fees and interest rates to optimize the benefits this card offers.