Standard Chartered DigiSmart Credit Card

Standard Chartered Digismart Credit Card Review


Joining Fee: Rs 588+GST
Annual Fee: Rs 588+GST




Up to 20%



Issued On



PVR Inox Movies Offer

Table of Contents

Standard Chartered DigiSmart credit card is an interesting offering. It is a cashback card offering some good deals on partner merchants. It is also a credit card that has a monthly fee instead of the usual annual fee option. Here is a review of the Standard Chartered DigiSmart credit card and its features.

Standard Chartered DigiSmart Card – Fees and Charges

The card has a monthly fee of Rs 49 which is reversed on the spending of Rs 5000 in the next calendar month. In total, we end up paying Rs 694 (incl. GST) in a year with a spend waiver at Rs 60000. This is good enough for an entry-level credit card and the rewards DigiSmart offers.

LTF IndusInd Bank Credit Cards
Joining/Renewal FeeRs 49+GST
Welcome BenefitNone
Renewal Fee WaiverRs 5000 spend in a month
Standard Chartered DigiSmart Credit Card Review – Fees and Charges

Standard Chartered DigiSmart Card – Rewards

This is where it gets interesting. We get rewards on DigiSmart credit cards only for the below merchants. There is no reward for spending at any other place. So, it makes sense to get this card only if we can take advantage of these offers.

  • Myntra offer is a good one. This can be availed with any other discount codes applicable on the cart. The discount reflects on the final page where we need to enter OTP. This offer also works when adding to Myntra credit.
  • Inox and Ola Cabs offers are also good for this entry-level card.
MerchantOfferPromo CodeUsage CapDiscount Cap
Myntra20% offNot RequiredOnce/monthRs 700
Zomato10% offDIGISMART5 times/monthRs 150/transaction
Yatra – Domestic Flights20% offDIGISMARTOnce/quarterRs 750
Yatra – International Flights10% offDIGISMARTOnce/quarterRs 10000
Yatra – Domestic Hotels25% offDIGISMARTOnce/quarterRs 4000
Grofers10% offDIGISMART5 times/monthRs 1000/month
InoxBuy One Get OneNot Required2 times/monthRs 200/transaction
Ola Cabs15% cashbackNot RequiredNoneRs 600/month
Standard Chartered DigiSmart Credit Card Review – Rewards

My View

DigiSmart is more of a shopping credit card with great benefits on partner merchants. It does not provide rewards on other transactions and this is going to be point that many of would think about. But, with the monthly fees at Rs 49 and benefits on Myntra and Ola, this is a good card for Millennials. Cabs and clothing are two essential expenses for most of us. There are few cards that can give that kind of rewards for Myntra/Ola. Not to forget, the Inox BOGO offer is great as well.

Standard Chartered India issues more than one credit card to customers. So, DigiSmart can be a ‘special situations’ credit card to get some nifty savings on shopping.

LTF IDFC First Bank Credit Cards

Standard Chartered DigiSmart Credit Card


Joining / Annual Fees
Features and Benefits
Axis Bank My Zone Credit Card LTF
Share the Post:

Related Posts

3 thoughts on “Standard Chartered DigiSmart Credit Card”

  1. Spend 3500 Rs. on Myntra in one Month with over and above existing offer which will give you 700 Rs. discount which covers 12 months fee for this card.

    Remaining spends will be your actual profits on this card, use this card as and when required in remaining 11 months.

    Grofers – Maybe useful depends on their serviceability.
    Zomato – Not much, we usually get 100 Rs. discount on Zomato itself or Other cards. This needs extra coupon code which might be useful when no offer exist on that restaurant.
    Ola Cabs, Inox – Extra benefits. (Inox only for Saturday and Sunday)

Leave a Reply

Your email address will not be published. Required fields are marked *

Scroll to Top