Home / Standard Chartered / Manhattan Platinum Credit Card
Card Image

Manhattan Platinum Credit Card

Standard Chartered
|
Beginner Cashback Grocery Shopping

Annual Fee

₹999

Rewards/₹100 ⓘ

₹2.00 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

45.00%

Credit Score

700+

At a Glance

Key Benefits

5% cashback on groceries (max Rs.500/month), Rs.2,000 BookMyShow vouchers, Good Life discounts

Lounge Access

No airport or railway lounge access available

Eligibility

Age 21-60, Min income Rs.50,000/month, CIBIL 700+, Resident Indians only

Quick Details

Annual Fee
₹999 #165
Joining Fee
₹999 #166
Interest Rate
45.00% p.a. #244
Forex Markup
3.50% #75
Rewards/₹100
₹2.00 - ₹5.00 #49
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
700+ #54
Min Monthly Income ₹50
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹1,300
Cash Advance Fee ₹300 3.00% (min ₹300)
Card Replacement Fee ₹100
Over Limit Fee ₹500
Fee Waiver on Spend ₹1,20,000/yr

Reward Structure

Base

General Spends

₹2.00 /₹100
Partner

Groceries, Supermarkets & Departmental Stores (Offline)

₹5.00 /₹100

Reward Calculator

₹
Allocate by Category100%
Groceries, Supermarkets & Departmental Stores (Offline)
5.0 pts
60%₹30,000
Other Spends
2.0 pts
40%₹20,000
Your Rewards
Points Earned900
Cash Value₹900
Breakdown
Groceries, Supermarkets & Departmental Stores (Offline)500
Other Spends400
Total Value₹900
Quick amounts:

Milestone Benefits

Welcome Bonus

5,000 Bonus Reward Points on settling joining fee (worth Rs.1,500)

₹1,500

value

Welcome Bonus

BookMyShow vouchers worth Rs.2,000 on first transaction within 90 days

Spend ₹1 within 90 days

₹2,000

value

Annual Benefit

Annual fee waiver on spending Rs.1,20,000 in one anniversary year

Spend ₹1,20,000 within 365 days

₹999

value

Insurance Coverage

Lost Card

₹0

Zero liability protection on fraudulent transactions post reporting card loss

Lifestyle Perks

Shopping

Standard Chartered Good Life programme - Discounts on dining, shopping, travel

Contactless

Contactless tap & pay for quick transactions

Rewards

1

Easy reward redemption through 360-degree Rewards portal (travel, lifestyle, electronics, charity)

Emi

EMI conversion available on large purchases

Quick Analysis

Standard Chartered Manhattan is an entry-level cashback card best suited for offline grocery shopping at supermarkets and departmental stores. With 5% cashback capped at Rs.500/month, it delivers value for monthly grocery spends up to Rs.10,000. However, the card lacks lounge access and has restrictive cashback conditions.

Pros

  • 5% cashback on groceries, supermarkets & departmental stores
  • 5,000 bonus reward points on joining (worth Rs.1,500)
  • BookMyShow vouchers worth Rs.2,000 on first transaction
  • Contactless tap & pay feature
  • Annual fee waiver on Rs.1.2L spend
  • Easy redemption via 360-degree Rewards portal
  • Standard Chartered Good Life programme discounts
  • Accepted at merchant outlets globally
  • Zero liability on lost/stolen card fraud
  • Up to 50 days interest-free period

Cons

  • No airport/railway lounge access
  • Cashback capped at Rs.500/month and Rs.150/transaction
  • 5% cashback only on offline grocery stores (min Rs.1,000)
  • Low reward rate of 2% on general spends
  • High annual fee of Rs.999
  • High 3.5% forex markup
  • Very high interest rate at 45% p.a.
  • 1% fuel surcharge not waived
  • Not accepting new applications currently
  • Online grocery stores excluded from cashback

Best For

Offline grocery shoppers, supermarket spends, entry-level users

Not Ideal For

Travelers, online grocery shoppers, premium benefit seekers

Frequently Asked Questions

What is the annual fee for Standard Chartered Manhattan Credit Card?
The joining and annual fee is Rs.999 + GST. The annual fee can be waived if you spend Rs.1,20,000 or more in one anniversary year.
What is the cashback on groceries?
You get 5% cashback on groceries, supermarkets, and departmental stores. However, this is capped at Rs.500 per month and Rs.150 per transaction, with a minimum transaction of Rs.1,000. Only offline stores qualify - online grocery platforms are excluded.
What is the reward rate on general spends?
You earn 3 Reward Points per Rs.150 spent on categories other than groceries/supermarkets, which translates to 2% reward rate (assuming each point is worth Rs.0.30).
What are the welcome benefits?
You receive 5,000 Bonus Reward Points (worth Rs.1,500) on settling the joining fee, plus BookMyShow vouchers worth Rs.2,000 on making your first transaction within 90 days of card setup.
Is there lounge access?
No, the Standard Chartered Manhattan Credit Card does not offer any airport or railway lounge access benefits.
What is the eligibility criteria?
Minimum age: 21 years, Maximum age: 60 years, Minimum monthly take-home salary: Rs.50,000. The card is exclusively available to Resident Indians. A good CIBIL score (700+) is recommended.
What documents are required?
Identity proof (Aadhaar/Passport/Voter ID/Driving License), Address proof (utility bills/bank statement), Income proof (salary slips/ITR/Form 16), PAN card, and recent passport-size photograph.
Is there a fuel surcharge waiver?
No, the Standard Chartered Manhattan Credit Card charges 1% fuel surcharge on all fuel transactions. There is no fuel surcharge waiver benefit.
What is the interest rate?
The card carries finance charges of 3.75% per month, which translates to approximately 45% per annum. You get an interest-free period of 18-50 days if you pay the full outstanding amount by the due date.
What is the forex markup?
A foreign currency markup fee of 3.5% is charged on all transactions made in foreign currency. Additionally, Visa/Mastercard charges 1% fee on transactions at merchants registered overseas.
What are the cash advance charges?
Cash advance fee is 3% of the withdrawal amount or Rs.300, whichever is higher.
What are the late payment charges?
Late payment fees can go up to Rs.1,300 depending on the outstanding amount, plus 18% GST. It is important to pay at least the minimum amount due by the due date to avoid these charges.
Can I use this card internationally?
Yes, the card is accepted globally at all Visa merchant outlets. However, a 3.5% forex markup fee applies on all international transactions.
How do I redeem reward points?
Reward points can be easily redeemed through the Standard Chartered 360-degree Rewards portal for various categories including travel, lifestyle products, electronics, home & family items, and charity donations.
Are add-on cards available?
Yes, you can get up to 3 add-on cards for family members. Add-on cardholders should be at least 18 years of age.
Is the card still accepting new applications?
No, Standard Chartered Bank is currently not accepting new online applications for the Manhattan Platinum Credit Card. Existing cardholders can continue to use the card.
What is the 360-degree Rewards portal?
It is Standard Chartered's rewards redemption platform where you can redeem accumulated reward points for travel bookings, lifestyle products, electronics, vouchers, and even donate to charity.
Does the card have contactless payment?
Yes, the Standard Chartered Manhattan Platinum Credit Card has contactless tap & pay functionality for quick and secure transactions.

User Reviews

Our Rating

3.9
APPLY NOW

on Standard Chartered's website

Rating Breakdown

Rewards
5.0/5 Top 10%
Benefits
3.1/5 Top 27%
Fees
3.3/5 Top 58%
Value for Money
4.0/5 Top 15%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for Manhattan Platinum Credit Card?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Apply Now
APPLY NOW

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare