Standard Chartered
Platinum · Manhattan
Standard Chartered Manhattan Credit Card
Standard Chartered
5% cashback on groceries — save on everyday essentials
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,821
Total Annual Benefits
₹6,000
Total Annual Charges
₹1,179
ROI
509%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
5% Cashback on Groceries
Earn 5% cashback on all grocery spends at supermarkets, kirana stores, and online grocery platforms
- • Supermarkets, kirana stores, and online grocery platforms
- • Max cashback of ₹250 per transaction
5% cashback
1% Cashback on All Other Spends
Earn 1% cashback on all other retail transactions
- • Excludes cash advances and quasi-cash
1% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Standard Chartered Cashback
5% groceries, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited to statement — no expiry
Redemption Options
- → Automatic statement credit
Bonus Categories
Groceries
5x multiplier
5% cashback on grocery spends
Others
1x multiplier
1% cashback on all other spends
Milestone Bonuses
₹1,000 cashback on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
₹1,000 Cashback
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility 5% cashback on groceries Ideal for families and household spends SC mobile app and online banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Standard Chartered Manhattan Credit Card offers 5% cashback on all grocery spends, making it the perfect card for families and regular grocery sho...
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