Standard Chartered Bank DigiSmart Credit Card: The Standard Chartered Bank DigiSmart Credit Card, an instant credit card i.e., all-in-one credit card for the millennials issued by Standard Chartered. This credit card is basically designed for the shopaholic people.
This credit card offers benefits in different categories such as travel, dining, movies, and grocery purchases and so on. You also get cashback on this credit card on online shopping, dining, and travel-related spends such as on Myntra, Grofers, Zomato and Ola cab bookings and keeping your entertainment requirements in mind, you get complimentary movie tickets monthly and domestic flight bookings, international bookings and hotel bookings as travel-related benefits.
Therefore, here in this article we are going see the benefits and features provided by the Standard Chartered Bank DigiSmart Credit Card and the eligibility to apply for the same.
Contents
1. Standard Chartered Bank DigiSmart Credit Card Features and Benefits
The Standard Chartered Bank DigiSmart Credit Card comes with great offers for shopaholic people and also few offers in other categories.
Here we have mentioned the features and benefits offered by the Standard Chartered Bank DigiSmart Credit Card:
- Movie Benefits: On Movie ticket bookings, get BOGO offer i.e., Buy 1 Get 1 offer at INOX, a maximum discount of Rs 200 per transaction. And this offers is applicable on Saturdays and Sundays only. The offer can be used for a max of 2 transactions per month.
- Dining Benefits: On food orders with Zomato, get up to 10% off, a maximum discount of Rs. 150 per transaction and there is no limit on the minimum purchase amount. The offer is applicable on 5 transactions per calendar month. Use promo code DIGISMART to avail of the offer.
- Travel Benefits: As a travel benefit, get 20% off on domestic flight bookings with Yatra.com subject to a maximum discount of Rs. 750, get a 10% discount on international flight bookings subject to a maximum discount of Rs. 10,000, also get up to 25% off on domestic hotel bookings with a maximum discount of Rs. 4,000 and the offers are applicable on 1 transaction per category in a quarter calendar. Use promo code DIGISMART to avail of this offer and also 15% cashback on your cab booking with Ola, subject to a maximum discount of Rs. 600 per month.
- Spend-Based Renewal Fee Waiver: On spending Rs. 50,000 or more, get the renewal fee of Rs. 49 waived off in the previous calendar month.
- Reward Points: Get 20% off on Myntra, a maximum discount of Rs 700 per transaction and there is no limit on the minimum purchase amount and the offer is applicable on 1 transaction per calendar month. And also, get a 10% discount on Grofers, subject to a maximum amount of Rs. 1000 per month and there is no limit on the minimum purchase amount. The offer is applicable on 5 transactions per calendar month. Use promo code DIGISMART to avail of the offer.
Check, Standard Chartered EaseMyTrip Credit Card
2. Standard Chartered Bank DigiSmart Credit Card Fees and Charges:
- The Monthly fee charges are- Rs. 49 (waived off on spending Rs. 5,000 in the previous calendar month).
- The Cash withdrawal fee, Rs. 300 or 3% of the withdrawn amount.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 1.99% per month (23.88% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100 – Nil, Between Rs. 101 and Rs. 500 – Rs. 100, Between Rs. 501 and Rs. 5,000 – Rs. 500, Between Rs. 5,001 and Rs. 10,000 – Rs. 700, Between Rs.10,001 and Rs.25,000 – Rs. 800, More than Rs. 25,000 – Rs. 1,200.
3. Standard Chartered Bank DigiSmart Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for Standard Chartered Bank DigiSmart Credit Card are as follows:
- The age limit for applying for this card is 21- 65 years of age.
- The cardholder should be an Indian resident and an excellent credit score i.e., 750 with savings or current account in India.
- The cardholder should be either through salary or self-employment with stable source of income i.e., Rs. 50,000 monthly.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for Standard Chartered Bank DigiSmart Credit Card:
For Standard Chartered Bank DigiSmart credit card you can apply either online or offline. For offline mode, you can visit your nearest Standard Chartered branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your Standard Chartered DigiSmart credit card:
- Step 1: Visit Official website of the Standard Chartered- www.sc.com
- Step 2: Click on ‘Apply Now’ button at the top of the page.
- Step 3: Next, select ‘Credit Cards’.
- Step 4: Then, choose the ‘Standard Chartered Bank DigiSmart Credit Card’.
- Step 5: Enter all the requested details and providing the required documents and ‘submit’ it.
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