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Standard Chartered DigiSmart Credit Card launched

Pranav Pranav Follow Sep 07, 2019 · 3 mins read · 0 comments
Standard Chartered DigiSmart Credit Card launched

Standard Chartered has launched DigiSmart credit card targeting rapidly growing segment of millennials in India. This is a entry level lifestyle credit card offering host of benefits across key e-commerce categories of travel, entertainment, fashion, groceries and food delivery around the year.


Standard Chartered DigiSmart credit card provides instant discounts and cashbacks on online spends on Myntra, Yatra, Ola, Zomato, Grofers and Inox.

Standard Chartered DigiSmart Credit Card Promotion


  • 20% instant discount on Myntra
  • Minimum transaction size: Not Applicable
  • Frequency: Once per month
  • Maximum discount: Rs. 700 per month


Category Discount Min. Transaction Max. Discount Frequency
Domestic Flights 20% Not Applicable Rs. 750 Once per quarter
International Flights 10% Rs. 20,000 Rs. 10,000 Once per quarter
Domestic Hotels 25% Not Applicable Rs. 4,000 Once per quarter


  • 15% cashback
  • Maximum Cashback: Rs. 600 per month
  • Not applicable for Ola Money wallet load


  • 10% instant discount
  • Maximum discount: Rs. 150 per transaction
  • Frequency: 5 transactions per month
  • No minimum spend


  • 10% instant discount
  • Maximum discount: Rs. 1,000 per month
  • Frequency: 5 transactions per month
  • No minimum spend


  • Buy 1 and Get 1 on movie tickets for shows on Saturdays and Sundays
  • Maximum discount: Rs. 200 per transaction
  • Frequency: 2 transactions per month
  • No minimum spend


  • Monthly Fee: Rs. 49
  • Monthly fee waived off on spending Rs. 5,000 or more in previous month


  • Age: 21 to 65 years
  • Stable monthly income
  • Good credit (CIBIL) score

How to apply?

One can apply for Standard Chartered DigiSmart credit card online by filling below form on Standard Chartered website:

Apply Now

Note that existing Standard Chartered credit card holders can’t apply for this card online using above form and they should contact back directly over phone banking for the same.


Standard Chartered, just like HDFC, is trying to tap the millennial segment which constitute 34% of India’s population. The reward rate across the selected merchants is fabulous and low monthly fee and threshold for monthly fee waiver is indeed exciting. Inclusion of Amazon or Flipkart to this list would have made this card even better.

However absence of reward points on spends made using this card is a big bummer. It simply means absolutely no benefit on using this card on merchants apart from their partners. Also no domestic airport lounge access, which is provided by some cards in this segment, is again disappointing.

One should go for this card only if their major spend is spread across the partnered merchants. Personally I would give this card a pass and would rather recommend Amazon Pay ICICI, Flipkart Axis or HDFC Millennia credit card to beginners.

Let me know your thoughts on Standard Chartered DigiSmart credit card in comments below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
Exclusive Offer on Citi Rewards Card
  • Rs. 1,000 Amazon Gift Card on spending Rs. 5,000 in first 60 days*
  • 2,500 activation bonus reward points*
  • 10X rewards on online and physical apparel & department stores spends
  • 300 bonus points on spending Rs. 30,000 monthly
  • 20% instant discount on Zomato & Swiggy*
  • 2 Months additional on 12 Months recharge of Tata Sky*
  • Earned Reward Points never expire
  • Fee waiver on annual spends of Rs. 30,000
Apply Now
* T&CA, Limited Period Offer
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