The easiest way is to download a 44.1kHz PCM encoded DTS/Dolby Digital test file and try playing it back through a digital link to a home theatre receiver that can decode DTS/Dolby Digital. If all the bits come through unchanged, the receiver will be able to decode it, and you'll hear music. Otherwise, you'll hear loud static. If you're concerned about the quality of your digital output, it's worth borrowing a friend's HT receiver for an evening just to try this out. If you do, please report back your findings to the forum, so we'll be able to help out others.
The other way to check for bit-perfectness is to connect the card's digital out to a sound card with a digital in, and record the output and compare it on a bit-by-bit basis with the source material, after adjusting for the initial offset. There is one guy on HydrogenAudio who does this.