Standard Chartered Manhattan Credit Card Review
Travel card
The Standard Chartered Manhattan has a ₹999 annual fee + GST, waived on ₹1,20,000 annual spend. It earns 0.5% back on regular spends and up to 1.5% on Travel. Best for: moderate grocery spenders — our verdict: consider.
The SC Manhattan is a mid-tier card centred on grocery rewards (5 points per INR 100, capped at 500/month) with a waivable INR 999 fee. At 0.25 INR per point, no lounge access and a 3.5% forex markup, it is a niche pick for moderate grocery spenders.
Travel card
The Bottom Line
The Standard Chartered Manhattan is built for grocery spender and family card user. With a ₹999 annual fee that is waived on ₹1,20,000 yearly spend, it offers 1.25% rewards on grocery and 5,000 bonus points. It makes the most sense if your spending matches grocery spender and family card user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Grocery Spender, Family Card User. The renewal fee gets easier to justify once you can hit ₹1,20,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealHouseholds with steady grocery spends who can use the 5-points-per-INR-100 accelerated rate up to the 500-point monthly cap and waive the INR 999 fee on INR 1.2 lakh spend.
Those who value complimentary add-on cards for family members at a low annual cost.
Probably not for
SkipNo lounge access makes it weak for travellers.
The 500-point monthly grocery cap quickly limits earnings for heavy grocery spenders.
Is It Worth It For You?
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Reward Rates
Standard Chartered Manhattan offers 0.5% basic reward rate.
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Welcome Offer
5,000 Reward Points credited on payment of the joining fee (value ~INR 1,250 at ~INR 0.25 per point).
Milestone Benefits
Annual/renewal fee of INR 999 waived on annual spends of INR 1,20,000 or more in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Discontinued (no new issuances); annual fee Rs 999 waived on Rs 1.2 lakh annual spend; age 21-60.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash advance fee of 3% of the withdrawn amount, subject to a minimum of INR 300. Does not earn rewards.
Frequently Asked Questions
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