SCB Digismart Credit Card – Standard Chartered Bank is a British bank based in London. The DigiSmart Credit Card comes with so many great features. This is a basic lifestyle credit card designed for people who perform the majority of their shopping online. Special savings on stylish items are available, as well as a fantastic grocery shopping experience. Standard Chartered never fails to impress their consumers, so get rebates on entertainment, dining, and travel.
Features and Benefits of SCB Digismart Credit Card
Benefits on Online Purchasings
Exclusive Offers
On Saturday and Sunday, customers can take advantage of a BOGO offer on INOX movie tickets. The promotion is valid for two months and has a maximum discount of Rs.400.
Offer on Grofers online Grocery App
Grofers will provide you a 10% discount on your grocery shopping with no minimum purchase. You can get a maximum discount of Rs.1,000 and the deal is applicable for up to five purchases each month.
Offer on Myntra E-commerce Website
Users using a DigiSmart Credit Card can get a 20% discount on Myntra, up to a maximum value of Rs. 700. This promotion is only available once a month.
Offer on Zomato Food Delivery App
Cardholders receive a 10% discount when ordering food through Zomato. There is no set amount that must be spent. This deal is only available to one person five times per month.
Offer on Yatra App for Ticket and Hotel Booking
The DigiSmart Credit Card also gives discounts on Yatra.com travel and hotel reservations. The following offer will be available for users:
- Domestic flight tickets up to Rs. 750 are eligible for a 20% discount.
- A 10% discount on international flight bookings up to Rs. 10,000 is available.
- Domestic hotel bookings up to Rs. 4,000 are eligible for a 25% discount.
- DIGISMART is the promocode to use.
Ola Cabs Cashback Offer
Users with a DigiSmart card will also receive 15% cashback on Ola Cab trips, up to a maximum payout of Rs. 600 per month.
SCB Digismart Credit Card Features
Pay without Touch
At a time at NFC-enabled POS terminals a SCB Digismart credit card credit card user can make a contactless payment of up to Rs. 2,000. Users do not have to dip or swipe the card for such payment. The purpose can be accomplished by waving or tapping the card on the POS.
EMI Available on Everything
On transactions over Rs. 5,000, the bank also offers an EMI option. This service is available via online banking or mobile banking.
Loan Facility on Card
Users who qualify can also get a loan on their DigiSmart Credit Card. A loan of up to Rs. 5 lakh can be obtained, with repayment terms ranging from 12 to 60 months.
Balance Transfer Facility Available
SCB cardholders can also transfer balances from other credit cards to avoid paying exorbitant interest rates. The payment can also be done in convenient EMIs using the Balance on EMI option.
Eligibility Criteria for Digismart Credit Card
To use this credit card, you must meet the following eligibility requirements:
- Applicants should be between the ages of 21 and 65.
- Applicants must be able to maintain a consistent monthly income.
- Applicants must live in the same city as the bank where your credit card will be issued.
- Applicants must be able to produce all the required documents.
- Applicants cannot apply for this credit card if he/she already has another Standard Chartered Bank credit card.
Documents Required for Digismart Credit Card
If you are planning to get a SCB Digismart Credit Card than following documents are required:
- PAN card/ Form 60/the Income Tax Returns Statement for self employed.
- Passport size photograph of applicant
- Latest 3 months Salary Slip/Proof of salary or Bank statement for income proof verification/IT return copy for self employed person.
Residence proof (any one of the following):
- Passport
- Ration Card
- Electricity bill
- Landline telephone bill
Identity proof signature-bearing national identity (any one of the following):
- Passport
- Driving license
- PAN card
Please note that this list is for guidance only. The documents requested may vary from case to case.
How to Apply for SCB Digismart Credit Card
The steps to apply for a Standard Chartered DigiSmart Credit Card online are as follows:
Online Method
- First you have to visit SC Bank’s website https://www.sc.com/in/. Standard Chartered Bank’s official website can be found here.
- On the home page, go to ‘Our Products’ and scroll down to ‘Credit Card.’
- Select ‘DigiSmart Credit Card’ from the ‘Credit Card’ option.
- You’ll be taken to the product page, where you may apply now by clicking on the ‘Apply Now’ button.
- Choose whether you are a current Standard Chartered Bank customer or not. If you are an existing customer, select “Yes,” otherwise select “No.”
- If you choose ‘Yes,’ you will be asked a series of questions, including if you already have a SCB debit or credit card. If you choose ‘No,’ you will be asked if you have ever used the bank for a card or a loan. Select either “Yes” or “No” to answer the questions.
- Next, select your city of residence before entering your email address and phone number.
- If you are a new customer, the bank will require information such as your date of birth, source of income, and gross fixed monthly income.
- Select ‘Proceed’ from the down site.
Offline Method
You can apply for the SCB DigiSmart Credit Card by bringing all of the required documentation to the bank’s nearest branch. A bank professional will assist you with the application procedure for this credit card.
Fees and Charges of SCB Digismart Credit Card
- Monthly Fee – Rs. 49 {Note – This Fee can be waived off if a user spends Rs. 5,000 in the previous calendar month}
- Charges Cash Advance – Rs. 300 for each transaction or 3% of withdrawal (whichever is higher)
- Add-on Fee – Nil
- Charges for Overlimit use – 2.5% of the over-limit or minimum Rs. 500
- Surcharges on Petrol and Railways – For Petrol it is Rs. 10 or 1% of the transaction (whichever is higher). For Railway bookings Rs. 25 or 2.5% (whichever is higher).
- Cheque Bounce Charges – Rs.500
- Late Payment Charges –
- On Outstanding Amount less than or equal to Rs.100 – Nil
- On Outstanding Amount between Rs.101 to Rs.500 – Rs.100
- On Outstanding Amount between Rs.501 to Rs.5,000 – Rs.500
- On Outstanding Amount between Rs.5,001 to Rs.10,000 – Rs.700
- On Outstanding Amount between Rs.10,001 to Rs.25,000 – Rs.800
- On Outstanding Amount More than Rs.25,000 – Rs.1,200
Pros and Cons of SCB Digismart Credit Card
Pros
- Get a loan up to Rs. 5,00,000 on your credit card. Loan duration ranges from 12 to 60 months.
- 10% discount on foreign flights, up to a maximum of Rs. 10,000 off. Domestic hotels receive a 25% discount, with a maximum reduction of Rs. 4,000.
- Transfer your credit card balance up to Rs. 5 lakh at a low interest rate.
Cons
- There are no complimentary items available. Access to the airport lounge
- Waiver of Fuel Surcharges is not available.
- There will be no golf or coaching sessions.
- On regular purchases, there are no reward points or cashback.
- Discounts and cashbacks are capped on a monthly basis.
FAQs for Digismart Credit Card
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Would I be eligible for any rewards if I used this credit card?
No, for purchases made using the DigiSmart Credit Card, you will not receive any reward points.
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My DigiSmart Credit Card has been misplaced. So, what should I do now?
If you lose your DigiSmart Credit Card, you must contact the bank’s customer service department right away and request that the card be blocked.
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Is the Ola credit card offer valid for all rides?
This credit card offer on Ola is only valid for cab trips; it does not apply to Ola auto, bikes, or pool rides.
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What is the cost of the DigiSmart Credit Card’s yearly fee?
There is no yearly fee with the DigiSmart Credit Card. Instead, it charges a Rs. 49 monthly fee.
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Is my monthly cost going to be waived?
Yes. If you spend Rs. 5,000 or more in the preceding calendar month, the monthly fee is waived.