Standard Chartered DigiSmart Credit Card: The Ultimate Guide for Features, Benefits and Rewards

Convenience and rewards are tied at the hip in the age of the internet, and credit cards have changed to meet those particular demands. There is no dearth of credit cards that cater to the increasing demand of tech-friendly consumers and the Standard Chartered DigiSmart Credit Card is one such option. With an array of rich features designed for your digital everyday spending needs, it’s the perfect card for those who want a little more out of every purchase.

Whether you are an online shopper, traveller, or want to earn more on day to day expenses, the DigiSmart Credit Card, offered by Standard Chartered provides you with a host of rewards, benefits, and ease of use. In this post, we are going to deep dive into everything you should know about this card -features, benefits, how to apply, eligibility along with terms and conditions.

Standard Chartered DigiSmart Credit Card: In a nutshell

The DigiSmart Credit Card is curated for the needs of the digital consumer who uses digital platforms for regular shopping, entertainment and other needs. It comes with an array of advantages for online shopping, mobile and lifestyle. This card is great for people who are tech connected and would like to earn rewards for spending money on digital purchases and everyday spend.

DigiSmart Credit Card Benefits and Emphasized Features

Let’s first look at the features that make this credit card stand out: So, without further ado, let’s see what this credit card has to offer.

Joining Fee

There is a joining fee of ₹1,000 + GST for the DigiSmart Credit Card.

Renewal Fee

The renewal fee of the card too is ₹1,000 + GST, which can be waived off on spends of ₹1,00,000 in a year.

Reward Points System

• 5X Reward Points on online spends is perfect for the shopper or the avid users of online services.

• 1X Reward Point on all other spending; a respectable rewards rate on everything else.

Reward Redemption

Standard Chartered Rewards Top up rewarded points can be exchanged for a variety of products and services as well as lifestyle vouchers through the Rewards Portal. Cardholders can also redeem their points to settle the credit card bills.

Members can redeem the reward points collected for air miles, shopping or even paying their phone and electricity bills, giving them a whole lot of options to choose from.

Complimentary Benefits

DigiSmart CC also comes with additional lifestyle benefits like dining, entertainment and travel offers.

It gives them access to partner-exclusive discounts with merchants such as BookMyShow, Amazon, Myntra and so on – making it extremely rewarding for the online shopper.

Key Highlights - Standard Chartered DigiSmart Credit Card

10x Reward Points on Online Spends

5X reward points on online spends The 5X reward points on online transactions are one of the primary highlights of the Standard Chartered DigiSmart Credit Card. This is especially convenient for those who shop online often, purchase tickets or do the bulk of their everyday activities online. From groceries, fashion, movie tickets, to streaming subscriptions, you can earn reward points on every transaction.

This is perfect for people who need to shop online and use digital services for their everyday life. With 5X reward points, you can be sure of adding to your cart in no time & even at the same time stands to earn rewards, all through rewards which can be redeemed for purchase of other products.

Access to Premium Lifestyle Benefits

Apart from rewards, the DigiSmart Credit Card has additional premium lifestyle benefits keeping in mind the needs of the new age consumer. These benefits include:

Dining Offers

Avail exclusive offers and discounts at over 10,000 restaurants across India. Whether you are eating with your family at a restaurant or savoring a meal at your go to spot, this card can get you discounts that make your dining experience better than it already is.

Travel Advantages

The card offers travel advantages including discounts on flight and hotel reservations, so it's a solid choice if you travel often.

Entertainment Offers

Card members get access to BookMyShow offers to get discounts on movie and other entertainment tickets. Entertainment factor is now part of everybody's life and now days are the big time of movie lovers.

Flexible Reward Redemption

Through Standard Chartered DigiSmart Credit Card, customers can enjoy flexibility of redeeming reward points. Below are the awards you can purchase with your points:

Air Miles

You can also redeem your reward points for air miles, if you’re a jet setter, this is one of the best ways to see some parts of the world by converting your rewards into air miles and easier flight experience.

Gift Vouchers

Redeem points for gift vouchers of top brands and online stores.

Bill Payments

You can redeem your reward points for paying off your credit card dues, or for bill payments for utilities – this is a great feature for monetary management.

This flexibility means you have multiple redemption options when it comes to the points you collect. Whether you prefer to clear your credit card debts or treat yourself, its DigiSmart Credit Card lets you do that.

Low Annual Fee and Fee Waiver

The yearly charges ₹1,000 + GST is nominal with benefits you receive with a card such as this. And you also don’t have to pay the renewal fee if you had spent ₹1,00,000 in the previous year, which makes it an easier one to keep without annual fees in mind. This is a great feature for cardholders that frequently use their cards for day-to-day spending as well as for larger transactions.

Partner Exclusive Deals Access to OFFICIAL PARTNER EXCLUSIVE deals and promotions

Through DigiSmart Credit Card, customers get access to select partner EMI deals through credit card. Some of the partners include:

• Myntra for fashion shopping

• Amazon for a variety of categories

• BookMyShow for movies and events

• Zomato for food delivery discounts

These collaborations provide cardholders with the opportunity to save at some of their favorite online destinations and earn even more rewards on their everyday purchases.

Why Apply for the Standard Chartered DigiSmart Credit Card?

Benefits of using the Standard Chartered DigiSmart Credit Card

Standard Chartered DigiSmart Credit Card is a value-loaded credit card, especially if you are a person who is constantly spending money on digital transactions. Here’s why you might want to get this card:

Convenience for Online Shoppers

Massive proportions of e-commerce have become part of our modern lives. Be it shopping for groceries, clothes or booking a movie ticket the DigiSmart Credit Card offers rewards tailored to those that shop and transact online. The 5X reward points on online spends will be particularly beneficial for the tech-savvy customers.

Rich Rewards System

If you like to get rewards on all of your spending, this card’s reward points program is very generous. Earning rewards on your daily spends With DigiSmart Credit Card, whether you are booking flights, buying your favourite trends, or having a meal out, everything rewards you.

Exclusive Discounts and Offers

With dining privileges, flight plus hotel packages and entertainment offers – the possibilities are endless. The inclusion of BookMyShow, Amazon and Myntra offers offers fantastic benefits too, so it's ideal for consumers who enjoy all the convenience and benefits of both worlds in one card.

Manageable Annual Fee

Considering the high rewards and benefits on the card, the annual fee of ₹1,000 is quite economical. What’s more is that if you spend ₹1,00,000 in the year, you get the fee waived off, which is a great value addition for regular users.

Final Thoughts

Also, good for credit cardholders who are tech-savvy and like to use their credit cards by swiping it. With its 5X reward points on online spends, exclusive lifestyle benefits, complimentary travel benefits, and flexible redemption options, it is designed for individuals who seek to earn rewards on numerous spends and enjoy a host of premium benefits. Credit Cards Don’t Fancy cluttering your wallet with a lot of cards? You tend to spend anywhere credit cards are accepted; as well the annual fee is viable and this charges can be lifted off with a regular spend, totally cool for regular card holders.

If a credit card that offers you savings on your digital payments while offering you delightful rewards is something you seek, the Standard Chartered DigiSmart Credit Card is one you can consider.