Standard Chartered Manhattan Credit Card Review

By | April 5, 2021

Manhattan Credit is one of the most hyped up credit card in the country dur to its name. Though Standard Chartered Bank consider it as their premium card but it comes no where near SC’S beginner DigiSmart Credit Card.

Let us see what is provided in the card & its worth applying or not.


Fees & Charges

Type of FeeAmount
Joining FeeRs.999+GST
Renewal FeeRs.999+GST
Foreign Currency Markup Fee3.5%+Tax
  • Renewal fee waiver on spending INR120,000 in a year.

5% Cashback at Supermarkets

You will get 5% cashback on below;

  1. Reliance Fresh
  2. Big Bazar
  3. More Megastore
  4. D-Mart
  5. Food Bazaar

Also Read
Yes Premia Credit Card

Conditions on Cashback:

  • You can earn up to INR 500 as cashback every month and INR 150 per transaction
  • You need to spend at least INR 1000 per transaction to earn cashback

SC Manhattan Credit Card Eligibility

Salaried: Minimum: 18 years;  Maximum:   62 years.   ​​​​​​​
Self Employed:  Minimum: 18 years; Maximum: 67 years

Salaried: Identity Proof
Address Proof
1 month Payslip

Self Employed: Identity Proof
Address Proof
2 Year ITR

Manhattan Credit Card Benefits

  • 3X reward points on all other spend
  • 3 RP on spending Rs.150
  • Reward Rate: ~5%
  • Up to 15% instant discount at MakeMyTrip
  • Visa Dining Offer: 15% off at selected restaurants
  • Complimentary Airport Access: Nil

Bottom Line

Standard Chartered has positioned its card as a premium card, but as I mentioned earlier it revolves no where around premium cards. Reward rate in terms of grocery shopping is obviously amazing. But it does not have any exciting offers against which we can redeem points.

Also it does not provide any lounge access. We hope SC will include some good offers in near future. Till then this card is beneficial for you of you make use of it more for grocery shopping only.


How long does it take to apply for a credit card?

You can apply online and get an instant in-principle decision in minutes. A Bank representative will get in touch with you once you have submitted your application online successfully to complete the documentation requirement.

You can expect to get your credit card, subject to final Policy and verification checks of the Bank, within 7-15 days from the time you submit your documents and signed application form, although it may take longer in some cases.

What will be my credit limit?

The credit limit will depend on various factors like your income, credit history, etc. Your credit limit is not a permanent figure and can be increased or lowered at a later date depending on your spends and repayment behaviour.

What is a grace period?

A grace period is interest free period for you to pay your credit card balance in full without any interest rate charges. The grace period is calculated based on your billing cycle and not from the date of the transaction.

How is the Minimum Amount Due on the card calculated?

The minimum amount due every month shall be higher of the following
(a) 5% of statement outstanding or

(b) sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or Re 250.

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