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Standard Chartered Bank is one of the renowned banks in India. It offers various credit cards with different features and benefits. You can easily use these credit card to avail of amazing offers.
Also, you can get discounts on dining, shopping, movie ticket, groceries, cashback offers, etc. This credit card will surely enhance your experience with a comfortable lifestyle and benefits with attractive offers. To know more about the Chartered Digismart Credit Card read below-
|Monthly Fee Fee||Rs. 49 per month(Waived off if you spend Rs. 5000 in previous month)|
|Offers||Buy one, get one movie tickets at INOX|
|10% Discount at Grofers with no minimum spending value|
|20% Discount at Myntra with no minimum spending value|
|10% Discount at Zomato with no minimum spending value|
|Up to 25% off on booking through Yatra|
|15% Cashback on Ola rides|
|Late fee charges||Rs. 100|
The credit card is loaded with numerous features that will make your lifestyle luxurious and smooth. These are some main features that you will get with the credit card-
The Digismart Credit Card is a contactless card that makes your every transaction smoother, faster, and easier. With this feature, you just need to place the credit card, on the reader and your transaction will be done instantly. The best thing about this benefit is that it is secure and safe. Hence, you will be safe from fraudulent transactions as well.
You can also avail of loans through the Digismart Credit Card. With this card, you can get an instant loan of Rs. 10,000 just with a call. Furthermore, it has an easy loan disbursal process and you also don’t require documents. The interest rate starts from 0.99% p.m. to any bank account. However, you have to agree to the terms and conditions to get the loan on credit card. Hence, with an easy loan sanction process, you will get the best benefits.
The Digismart Credit Card never fails to amaze with its unique qualities. You can convert your points earned with the purchases you made from a credit card into EMIs. Moreover, you get the lowest processing fee of 1.5% with this benefit.
With the feature of ‘Kuch Bhi on EMI,’ you can pay any amount worth Rs. 5000 or above. Also, you can easily cover your debt up to around Rs. 5 Lakh into equated monthly installments.
The Standard Chartered Bank offers you the benefit to avail of a supplementary card. You can also apply for this card and share the offers and benefits along with the family members. Not only this but, you can also earn reward points with the add-on credit card.
The online payment facility with this credit card allows you to complete online transactions easily. Now, no one can stop you to enjoy the best and faster payments.
Visit: Compare Credit Cards to know more
As you have discovered the features of the Standard Chartered Digismart Credit Card, now you need to know the benefits that you can enjoy. You will surely enjoy huge discounts and reward points that will make your daily experience faster and hassle-free. These are the following benefits of Standard Chartered Digismart Credit Card-
One of the main benefits of the Standard Chartered Digismart Credit Card is the amazing discount on flights. You can enjoy a maximum discount of 20% for domestic flights. The maximum amount is Rs. 750 on a domestic flight once a quarter year. You will also get a 10% discount on international flights s well. The minimum transaction should be Rs. 20,000. Thus, you will get a discount of up to Rs. 10,000 once in a quarter.
You can also book hotels and enjoy a discount of 25%. You can get a discount worth Rs. 4000 once every quarter for domestic hotels.
Along with that, you get a 15% cashback on various mobile apps. The maximum cashback is Rs. 600, which you can get every month. Along with that, there is no amount for minimum spend.
But this benefit is not available for Ola Money Wallet.
You will also get amazing discounts for shopping for groceries as well. Just download the Grofers app and you will get an instant discount of 10% for grocery shopping. Every month, you will get a discount of Rs. 1000 every month. Also, you will get the chance to enjoy this benefit maximum of 5 times per month. Moreover, there is no amount for minimum order on this benefit.
The Standard Chartered Digismart Credit Card offers you will get an instant discount of 1% on Zomato. You can get a maximum discount of Rs. 150 o every transaction. Also, you will get the chance to enjoy this benefit for a maximum of 5 transactions every month. There is no amount for minimum spend.
With the Standard Chartered Digismart Credit Card, you will also get a huge discount on movie tickets. In this benefit, you will get one movie ticket free with another at Inox on Saturdays and Sundays.
The Standard Chartered Digismart Credit Card also offers the benefits of online shopping. You will get of a 20% discount on Myntra every month. You can avail of a maximum discount of Rs, 700 every month for shopping online. There is no minimum spending value of the credit card.
Know more about it: Click here.
To apply for the Standard Chartered Digismart Credit Card, you have to make sure that you are eligible to apply or not. For that, you have to meet the eligibility criteria set by the bank. We have listed the criteria to make the task easy for you-
Firstly, you have to know that you are at the right age to apply for a credit card. Hence, to apply for the Standard Chartered Digismart Credit Card, the minimum age is 21 years. Also, the maximum age to apply for a credit card is 65 years.
Another criterion to apply for a credit card is that you must have a stable income.
For salaried and self-employed minimum income should be at least Rs. 50,000 per month.
However, there are some restrictions that you need to know to apply for Standard Chartered Digismart Credit Card. So, if you are already a user of the Standard Chartered Digismart Credit Card, then you cannot apply for the credit card again. Apart from that, you will have to be a resident of a particular location to apply for a credit card.
After you found out that if you are eligible to apply for the Standard Chartered Digismart Credit Card, you will have to know about the different documents that are required for the credit card. Read below to know about the important documents you need to submit.
Firstly, you have to submit income proof with your application. You need the following documents-
For address proof, you will require the following documents-
These are the documents required to submit as income proof-
These are the charges and fees to apply for the Standard Chartered Digismart Credit Card-
Joining Fee– There is no joining fee
Monthly Fee– The Standard Chartered Digismart Credit Card charges monthly fees of Rs. 49. The monthly fee is waived for monthly spends of about Rs. 5000 or above in the upcoming calendar month.
Late Fee Penalty– Rs. 100.
Supplementary Card– The Standard Chartered Digismart Credit Card charges monthly fees of Rs. 49. for supplementary card. The monthly fee is waived for monthly spends of about Rs. 5000 or above in the upcoming calendar month.
Cash Advance– The minimum charge is Rs, 300 as a cash advance. The bank charges 3% of the total cash withdrawal.
Charges for Cheque Bounce– Rs. 500.
Rewards Handling Charges– Rs. 99.
Fee for Cash Repayment-Rs. 299.
Over limit Fees– You have to pay Rs. 500 on every transaction. You will be charged 2.5% of the total amount.
Overseas Transaction Fees– The bank charges 3.5% as overseas transaction fees.
Charges for Late Payment– No charges for amount less than Rs. 100. For amount between Rs. 101-500, the fees is Rs. 100. For amount between Rs. 501-Rs. 5000, the fees is Rs. 500. For amount between Rs. 5,001- Rs. 10,000- Rs. 700. For amount between Rs. 10,000- Rs. 25,000- Rs. 8000. For amounts above Rs. 25000, the late payment fee is Rs. 1,200.
To apply for the Standard Chartered Digismart Credit Card, you need to follow the below-mentioned steps-
These are the frequently asked questions about Standard Chartered Digismart Credit Card. If you have any queries, you can find your answer below-
No, if you already have a Standard Chartered Digismart Credit Card, then you cannot apply for another one.
You can use this benefit for booking Ola cab rides only. It is not available for booking pool rides, Ola bike rides, etc.
The Standard Chartered Digismart Credit Card is loaded with lots of benefits that you can easily avail yourself. It is a contactless credit card through which you can do online shopping, get discounts on domestic flights and international flights. The Digismart Card can also be used for online banking buying groceries online, ordering food, discount on petrol transactions, food delivery, etc.
The credit limit of Standard Chartered Digismart Credit Card is decided by the bank itself. You need to have a stable monthly income, and pay your loans on time to get a higher limit amount on the credit card.
If you lose your credit card, then you should inform the incident immediately to the bank so that it can block any further transaction.
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