Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Standard Chartered DigiSmart Card

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    Standard Chartered Bank (SCB) offers the DigiSmart Credit Card which can be used for shopping online, and also to enjoy attractive offers on dining, shopping, groceries, etc. You can apply for this credit card by visiting the official website of Standard Chartered Bank and duly filling the application form and submitting the required documents. The bank will verify the form and the documents and if they are found to be correct, the credit card will be sent to your communication address.

    Benefits of Standard Chartered DigiSmart Credit Card

    Given below are some of the benefits of DigiSmart Credit Card:

    • You will be able to get 20% off on Myntra with a maximum discount of up to Rs.700. There is no minimum spend required to avail this benefit and the offer is valid on one transaction per month.
    • On ordering from Zomato, get a 10% discount, up to a maximum of Rs.150 on your orders.This offer is valid for up to five transactions every month.
    • You will be able to enjoy 10% off on your grocery shopping from Grofers on no minimum amount. The maximum discount you will be able to enjoy is up to Rs.1,000 and the offer is valid up to five transactions per month.
    • You can enjoy up to 20% off on Yatra if you book a domestic flight from the website with a maximum discount of up to Rs.750. You can enjoy up to 10% off on booking an international flight from Yatra with a discount of up to Rs.1,000, and 25% off on hotel bookings with a maximum discount of up to Rs.4,000. This discounts are valid once per quarter.
    • Buy one and get one ticket free at INOX on booking a movie ticket using your DigiSmart Credit Card. This offer can be availed only during weekends and is valid only for up to two transactions per month. The maximum discount you can avail is up to Rs.200 for each transaction.
    • Get 15% cashback on your Ola bookings. The maximum cashback you will be able to enjoy will be up to Rs.600.

    Eligibility criteria

    There are certain eligibility criteria you will have to fulfil to use this credit card:

    • Your age should be between 21 years and 65 years.
    • You must have a stable monthly income.
    • You must reside in the same city from where the bank will issue you your credit card.
    • You will have to agree to policy and credit checks by the lender.
    • If you already have another credit card issued by Standard Chartered Bank, you cannot apply for this credit card.

    Documents required

    Given below is the list of documents you will have to submit while applying for a Standard Chartered DigiSmart Credit Card:

    • Proof of identity such as PAN Card, Aadhaar Card, Voter ID, etc.
    • Proof of address such as Passport, utility bill, driving license, etc.
    • One month’s salary slip.
    • A recent passport size photograph of yours.
    • Latest income tax returns with computation of income, proof of business continuity, certified financials if you are a self-employed professional or a self-employed businessman.

    Fees and Charges

    Type of Charges Details
    Primary Card Rs.49 per month waived off on spending Rs.5,000 monthly in the next calendar month
    Supplementary Card Rs.49 per month waived off on spending Rs.5,000 monthly in the next calendar month

    How to apply for Standard Chartered DigiSmart Credit Card online?

    Given below are the steps to follow to apply for Standard Chartered DigiSmart Credit Card online:

    • Visit the official website of Standard Chartered Bank.
    • Click on ‘Our Products’ on the home page, under which you will find ‘Credit Card’.
    • Under the ‘Credit Card’ section click on ‘DigiSmart Credit Card’.
    • You will be directed to the product page where you will have to click on the ‘Apply Now’ option available.
    • Select where you are an existing customer of Standard Chartered Bank or not. Click on ‘Yes’ if you are an existing customer, otherwise click ‘No’.
    • If you select ‘Yes’, you will be asked a set of questions such as whether you have an existing SCB debit card or credit card. If you select ‘No’ you will be asked if you have availed any card or loans from the bank previously. Answer the questions by selecting either ‘Yes’ or ‘No’.
    • In the next step, select the city in which you reside and then enter your email ID and mobile number.
    • If you are not an existing customer, the bank will ask for your date of birth, source of income, and gross fixed monthly income.
    • Click on ‘Proceed’.
    • On ordering from Zomato, get a 10% discount, up to a maximum of Rs.150 on your orders.

    You can apply for the SCB DigiSmart Credit Card by visiting the nearest branch of the bank along with all the necessary documents. A representative from the bank will help you with the process of applying for this credit card.

    FAQs

    1. How can I avail discounts and offers on the DigiSmart credit card for online shopping?

      If you are shopping on Grofers, Yatra, and Zomato, then you will have to enter the promocode ‘DIGISMART’ to avail the discounts and offers and make the payment using your DigiSmart Credit Card. If you are using your DigiSmart Credit Card to shop on Ola, INOX, and Myntra, then you will not be required to use any promo code.

    2. I have cancelled my existing SCB credit cards. Can I now apply for the DigiSmart Credit Card?

      Yes, if you do not hold any Standard Chartered credit card and have cancelled any card issued to you previously by the bank, you can apply for the DigiSmart Credit Card.

    3. Is the credit card offer on Ola applicable for all rides?

      No, this credit card offer on Ola is applicable only on cab rides and not on Ola auto, bikes, and pool rides.

    4. Can I produce my bank or credit card statement as proof of address?

      Yes, you can produce your bank or credit card statement as proof of address as long as it mentions your communication address.

    5. I have lost my DigiSmart Credit Card. What should I do?

      If you lose your DigiSmart Credit Card, you must immediately get in touch with the bank’s customer care executive and request for the card to be blocked.

      

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