Five ways to make the best use of your Digismart credit card-1

Five ways to make the best use of your Digismart credit card

Digital payments in India have seen a massive uptick in the last 3 to 4 years. In the last year, digital payments have increased by 55% in India, as compared to 48% and 23% in China and Indonesia respectively. A fair share of such payments is taken by mobile UPI payments, internet baking, and card transactions. The usage of credit cards for online shopping, payments, and transactions has only shown steady growth over the years. Statistics show that more than 50% of all credit card payments are done for online purchases, with sizeable shares taken by food delivery companies, clothing and accessories, electronics, movie tickets, and travel.

Standard Chartered has thoughtfully introduced the DigiSmart Credit Card which gives you cash back and offers on almost all kinds of online payments.

The DigiSmart Credit Card is a cashback credit card that augments your savings when you shop online. It is specifically tailored for digital transactions giving you cash backs on credit card usage at partner websites and applications. Any person who is salaried between the ages of 21 to 65, meeting other eligibility criteria can apply for this card. It is ideal for people who don’t use a Standard Chartered Credit card and would like to experience the banking experience that comes with it. Additionally, existing SC account holders can apply for this card if they do not use any credit card linked to their account.

This card is perfect for millennials who do most of their purchases online. With the current lockdown in position, we have no choice but to resort to online buying and deliveries. Here are a few tips on how to make the best use of your DigiSmart Credit Card:

One Card for all your Online Payments Digismart credit card

The DigiSmart Credit Card offers you the best experience in online shopping and payments.

Dress Smart with 20% straight discount on shopping at Myntra, with no minimum transaction limit, capped to Rs. 700 per transaction per month.

Shopping for groceries at Grofers gives you an instant discount of 10% with the promo code DIGI SMART, capped up to Rs. 1000 on a total of 5 transactions every month.

Ordering food through Zomato is now even better with a 10% off on every order, limited to a max discount of Rs. 150 per order, up to 5 such orders every month.

Buying movie tickets online at INOX comes with a 1:1 Buy One Get One offer, valid on weekends up to 2 such transactions in a month.

Put anything big on EMI of Digismart credit card

There is a hassle-free conversion of credit bills to EMI which you can avail by logging into your card account in mobile or website or via sending an SMS from your registered mobile number. The rates are attractive and the convenience of paying in monthly installments just adds to it.

Many e-commerce websites offer no-cost EMIs or attractive EMI interest rates when purchasing through a standard chartered credit card.

Save a lot on Travel

The DigiSmart Credit Card offers good discounts when you book tickets via Yatra or hire a cab with Ola. There is a 20% discount on domestic flight tickets up to Rs. 750 and a discount on 25% on domestic hotel bookings, capped up to Rs. 4000. There is a fair discount of 10% on international flight bookings, capped up to Rs. 10,000. A 15% cashback is offered on Ola rides up to Rs. 600 per month.

Waive off Monthly Charges

DigiSmart Credit Card has a minimal charge of Rs. 49 per month. However, if you shop or spend above Rs. 5000 per month on it, the monthly charges are waived off, which is roughly equivalent to saving almost Rs. 600 per year on spendings of Rs. 5000 per month. That’s a good bargain I would say! It trickles down to you getting more cashback and discounts for zero credit card fees.

The convenience of SC mobile app and its security

Needless to say, being one of the world’s most trusted banks, Standard Chartered has a very good mobile banking application that is both secure and user friendly. You can view your credit card statements, manage your unbilled amounts, convert charges to EMI, avail of customer care, and hotlist the credit card in case of any unauthorized use or theft.

Balance transfer from other credit cards to your DigiSmart Credit Card can be done easily up to Rs. 5,00,000  at attractive rates.

It would be safe to say that this DigiSmart Credit card is one of the best available cashback credit cards currently in the market. It has very low monthly charges which can be automatically waived off if you spend more than Rs. 5000 monthly. Unlike many discounts and offers, this is not a marketing gimmick because these offers are not for a short term or a limited period. What’s more, is that Standard Chartered is likely to have tie-ups with more brands in the future to give you even more offers. It is hard to resist the premium customer service and experience that comes with this inexpensive little card!

Addison

Addison is a student of the Aust Abbottabad University of Science and Technology. He started his graduation in 2016 and graduated in 2020. I’m a professional article and blog writer, has written dozens of content on different topics and worked with professionals all over the globe. Feel free to contact me for any assistance. [email protected]