Credit Cards · Honest Review

Standard Chartered Manhattan Credit Card

Standard Chartered Bank · Visa

₹999Annual fee
0.50%Base rate
3.5%Forex markup
₹25KMin income/mo
Apply Now →⊕ Compare

Your Verdict

Standard Chartered Manhattan Credit Card
Standard Chartered Bank · Visa
  • ✓5% cashback at supermarkets, capped at 500/month
  • ✓5,000 bonus reward points on card setup
  • ✓3 reward points per 150 on all other spends
  • ✓Annual fee waived with 1.2 lakh yearly spend
  • ✓Low minimum redemption threshold of 500 points
₹999/yrAnnual fee
₹999
Annual fee
0.50%
Base reward rate
None
Lounge access
700+
CIBIL score
Our verdict
The Standard Chartered Manhattan Credit Card is a solid choice for households that spend heavily on groceries and supermarkets, offering meaningful cashback in that category alongside a straightforward, easily waivable annual fee.
Fees & charges

What Standard Chartered Manhattan Credit Card costs you

Standard Chartered Manhattan Credit Card carries a ₹999 annual fee and a ₹999 one-time joining fee. The annual fee is waivable: Renewal fee waived on spending 1.2 lakh in a year.

FeeAmount
Annual fee (year 2+)₹999
Joining fee (one-time)₹999
Fee waiver conditionRenewal fee waived on spending 1.2 lakh in a year
Spend required for waiver₹1,20,000 / year
Foreign transaction fee (forex markup)3.5% per transaction
Rewards & cashback

What you earn on every rupee spent

Standard Chartered Manhattan Credit Card earns 0.50% on all eligible spends as a base reward rate, with accelerated rates on groceries and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)0.50%
🛒 Groceries5% (cap ₹500/mo)
5%
Groceries
Cap ₹500/mo
Welcome bonus

5,000 Reward Points for new cardholders

Reward types: Points · Cashback

Benefits & perks

Beyond the reward rate

The non-reward benefits on Standard Chartered Manhattan Credit Card are limited — the card's value proposition is primarily the reward rate structure.

🛫
No lounge access
This card does not include airport lounge access.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for Standard Chartered Manhattan Credit Card

Standard Chartered Manhattan Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals and business owners.

₹25,000
Min monthly income
700+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹25,000
CIBIL score700+ (good to excellent)
Age range21–60 years
Employment typeSalaried, Self-employed, Business owner
Typical approval time

Add-on cardholders must be above 18 years; available to Resident Indians only.

Verdict

Who should (and shouldn't) get Standard Chartered Manhattan Credit Card

✅ Best for
  • → Heavy spenders on groceries who want 5% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
  • → International travelers — the 3.5% forex markup adds up quickly
Frequently asked questions

Standard Chartered Manhattan Credit Card — Questions answered

What is the annual fee for Standard Chartered Manhattan Credit Card?
The annual fee is ₹999 from year 2 onwards, with a one-time joining fee of ₹999. The fee is waivable: Renewal fee waived on spending 1.2 lakh in a year.
What is the minimum income required for Standard Chartered Manhattan Credit Card?
Salaried applicants need a minimum net monthly income of ₹25,000 and a CIBIL score of at least 700. Self-employed applicants typically need equivalent annual income proof. Add-on cardholders must be above 18 years; available to Resident Indians only.
What is the reward rate on Standard Chartered Manhattan Credit Card for groceries?
Standard Chartered Manhattan Credit Card earns 5% on groceries, capped at ₹500 per statement cycle. On all other spends, the base reward rate is 0.50%.
Does Standard Chartered Manhattan Credit Card provide airport lounge access?
Standard Chartered Manhattan Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on Standard Chartered Manhattan Credit Card?
The annual fee on Standard Chartered Manhattan Credit Card is automatically waived when you meet the spend threshold: Renewal fee waived on spending 1.2 lakh in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get Standard Chartered Manhattan Credit Card approved?
Most applications for Standard Chartered Manhattan Credit Card are processed within . Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
Not sure if this card suits you?

Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.

Get My Personalised Verdict →
Apply for Standard Chartered Manhattan Credit Card →⊕ Compare with other cards

Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.