The DigiSmart Credit Card is a basic, no-frills credit card that operates on a unique monthly fee model rather than an annual fee structure. Instead of earning reward points, cardholders receive direct discounts and cashback offers when shopping with partner merchants.

Key Characteristics

• Monthly Fee Model: ₹49 per month (waived on ₹5,000 monthly spend)
• No Reward Points: Direct discounts instead of points accumulation
• Partner-Focused: Benefits tied to specific merchants
• Entry-Level Card: Designed for first-time credit card users
• Digital-First: Optimized for online transactions

Myntra - 20% Discount: Get 20% off on fashion purchases with a maximum discount of ₹700 per month. Valid for 1 transaction per month with no minimum purchase requirement.

Blinkit (Grofers) - 10% Off: Enjoy 10% instant discount on groceries, up to ₹1,000 per month. Valid for 5 transactions monthly. Use promo code DIGISMART.

Food & Dining

Zomato - 10% Discount: Get 10% off on food orders with a maximum discount of ₹150 per transaction. Valid for 5 transactions per month. Use promo code DIGISMART.

Travel Benefits

Yatra Travel Discounts:

• 20% off domestic flights (max ₹750) - 1 transaction per quarter
• 10% off international flights (min transaction ₹20,000, max discount ₹10,000) - 1 transaction per quarter
• 25% off domestic hotel bookings (max ₹4,000) - 1 transaction per quarter

Use promo code DIGISMART for all Yatra bookings.

Ola Cabs - 15% Cashback: Receive 15% cashback on Ola rides with a maximum of ₹600 per month. Applicable only on cab rides (excludes bikes, autos, and share rides).

Entertainment

INOX Movies - Buy 1 Get 1: Enjoy complimentary movie tickets at INOX on Saturdays and Sundays. Maximum discount of ₹200 per transaction, valid for 2 transactions per month.

Additional Features

• Contactless Payments: Tap-and-pay for transactions up to ₹5,000
• EMI Conversion: Convert purchases above ₹2,000 to EMI
• Loan Facility: Avail loans up to ₹10 lakh against the card
• Balance Transfer: Transfer balances up to ₹5 lakh from other cards

The DigiSmart Credit Card operates on a unique monthly fee model with a spend-based waiver:

• Monthly Fee: ₹49 charged every month
• Waiver Condition: Spend ₹5,000 or more in the previous calendar month
• Annual Equivalent: If you consistently spend ₹5,000+ monthly, the card effectively has zero fees

This structure encourages regular card usage and rewards active cardholders with fee waivers.

No Traditional Welcome Benefits

Unlike premium cards, the DigiSmart does not offer welcome bonus points or gifts. The value proposition is in the ongoing partner discounts and the low fee structure.

The Standard Chartered DigiSmart Credit Card does not offer airport lounge access. This is an entry-level card focused on online shopping and digital transaction benefits rather than travel perks.

For airport lounge access, consider Standard Chartered's premium cards like the Ultimate or Priority Visa Infinite.

Unlike traditional credit cards, the DigiSmart does not award reward points on purchases. As stated in the official terms and conditions: "The bank shall not award reward points on the spends made on the card."

Direct Discount Model

Instead of reward points, the card operates on a direct discount and cashback model with specific partner merchants:

How It Works

1. Shop at Partner Merchants: Use the card at Myntra, Zomato, Ola, Blinkit, Yatra, or INOX
2. Enter Promo Code: Use code DIGISMART where required
3. Get Instant Discount: Discount applied immediately at checkout
4. Cashback Processing: Cashback (Ola) processed within 60 days

Why No Reward Points?

The simplified model eliminates complexity:

• No need to track point balances
• No confusing redemption processes
• No point expiration worries
• Instant gratification with direct discounts

This makes the DigiSmart ideal for users who prefer straightforward, transparent benefits over traditional reward programs.

• Age: Between 21 and 65 years
• Income: Minimum monthly income of ₹50,000 (₹6 lakh annually) for both salaried and self-employed individuals
• Credit Score: CIBIL score of 750 or above recommended
• Residency: Must be an Indian citizen residing in card sourcing cities

Note: This card is no longer available for new applications since December 15, 2022.

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID Card
• Driving License

Address Proof

• Aadhaar Card
• Passport
• Utility Bills (not older than 3 months)
• Driving License
• Voter ID Card
• Ration Card
• Bank Account Statement

Income Proof

For Salaried:

• Latest 2-3 salary slips
• Form 16
• Last 3 months' bank statement

For Self-Employed:

• Latest ITR with computation
• Audited financial statements
• Bank statements (last 6 months)
• Business proof documents

Important: Standard Chartered stopped accepting new applications for the DigiSmart Credit Card from December 15, 2022. The information below is for reference only.

Previous Application Process

1. Visit the Standard Chartered Bank website
2. Navigate to the DigiSmart Credit Card page
3. Fill in the online application form with personal and income details
4. Upload required documents (ID proof, address proof, income proof)
5. Complete video KYC for instant verification
6. Submit the application
7. Receive instant approval notification (for eligible applicants)
8. Card delivered to registered address within 7-10 business days

Alternative Options

Since the DigiSmart is discontinued, consider these Standard Chartered alternatives:

• Standard Chartered Smart Card: 2% cashback on online spends, 1% on offline
• Standard Chartered Rewards Card: Reward points on all spends

The Standard Chartered DigiSmart Credit Card served as an excellent entry-level option for young, digitally-savvy consumers who frequently shopped on Myntra, ordered food via Zomato, used Ola for commutes, and purchased groceries on Blinkit. Its straightforward discount model eliminated the complexity of reward points, making it easy for first-time credit card users to understand and maximize benefits.

The monthly fee structure (₹49, waivable with ₹5,000 spend) ensured the card remained affordable for students and young professionals. However, the lack of premium features like airport lounge access and the limitation to specific partner merchants meant it wasn't suitable for high spenders or those seeking comprehensive travel benefits.

Current Status: Since December 15, 2022, Standard Chartered has discontinued accepting new applications for the DigiSmart. Existing cardholders can continue using the card. Prospective applicants should consider the Standard Chartered Smart Card or Rewards Card as alternatives.