Standard Chartered Manhattan Credit Card Review

By | November 28, 2016

Standard Chartered Manhattan Platinum credit card is one of the hyped card due to its fancy name. It was once an awesome card indeed with good value back, but in recent times they’ve reduced the point value of each Reward point you earn and hence its not upto the mark. Still, if you have supermarket spends of INR 1000 per transaction, you may consider this card. Typically a nice card for a family man living in metro cities.

  • Joining Fee: Rs.499+tax (Waived if you Spend Rs. 30,000 in a year )
  • Renewal fee: Annual/Renewal Fee waived if you spend Rs. 60,000 in a year
Standard Chartered Manhattan Credit Card Review

Standard Chartered Manhattan Credit Card Review

5% CashBack Categories on Standard Chartered Manhattan Credit Card:

You get 5% cashback on below categories:

  • More
  • Reliance Fresh
  • Big Bazaar
  • Food Bazaar

Conditions on Cashback:

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

If you’re looking for fuel cashback, you need to go for Standard Chartered Super Value Titanium Credit Card instead.


5X Reward Points Categories:

  • Hotels
  • Dining
  • Airline ticket reservation
  • Fuel

Standard Chartered Manhattan Credit Card Reward point Value:

  • 1 Rewards Points/ Rs.100
  • 1 Reward Point = ~0.27 Ps

I calculated the reward point value by finding the value of one of the products in points redemption. They keep changing the point value from time to time (usually reduce).

Features of Manhattan Platinum Credit Card:

  • CardExpert Rating: 3.5/5
  • Reward rate: 0.27% (regular spends) to 5% Cashback
  • Complementary Airport lounge access: Nil
  • Foreign Exchange Markup fee: 3.5% + Service Tax

Manhattan Credit Card is positioned as one of the Standard Chartered’s premium credit card but its sad to see that its not even in par with medium range cards with other banks, not even a Visa Signature Variant. Only the name “Manhattan” stands out 😛

Its just good if you can be calculative with 5X categories. But anything that makes me remember lot of things to earn tiny cashback’s are not on my list.

Pay Attention: Still, its wise to have this as a backup card, as Standard Chartered runs decent promotions during festive season. For example, this Diwali 2016 there was a spend based cashback offer upto Rs.10,000 on 3L spend, that gives value back of 3.3% which is apart from usual reward points. If at all i have a SC credit card, it would be for this reason.

What’s your take on Standard Chartered Manhattan Credit Card? Shares your comments below.

14 thoughts on “Standard Chartered Manhattan Credit Card Review

  1. Prashant Agrawal

    I acquired a SC Platinum Rewards (LTF) this month because 20% cashback on Uber for an year seemed too good to pass on.

    Manhattan was a big deal when it was launched. It was the first/only credit card in India that time which was Life Time Free (if I remember correctly).

    1. Siddharth Post author

      Uber offer is Good!
      Yes, it was once a nice card with better point value too.

    2. Jkumar

      Hi did you apply card on card basis ?
      How much credit limit they provide?

  2. Majumdar


    As I see, this card is useful for spending upto 10,000 pm on groceries in tranches of between 1000-3000. Not much beyond this.


  3. Maninder

    How do you use Uber offer on Stanchart Card . I have Manhattan Platinum card which I am using for years..
    every month I use for 10 k for buying groceries and even in places like central mall and enjoy 5% benefit upto 500/

  4. Sreehari

    So, I applied for a SC credit card, but today few of my friends told me that , they are being harassed by SC people reporting wrong CIBIL score and all. I was shocked and i did a google search and found same stories. Is it true , that taking a SC card is a pain ?

    1. Siddharth Post author

      Not really. My friends uses SC cards for more than 2 yrs and everything is fine.

    2. Hari

      I have been using SCB Manhattan Card since 2011. I have had no issues with their CIBIL reporting.

  5. Rohan


    What is ur view on standard chartered Emirates card which is a competitor to citi premiermiles and Amex platinum travel.

    1. Siddharth Post author

      Its not in the game 😀
      Though i’ll get it reviewed soon 🙂

  6. Aditya Agrawal

    Does 5% cashback cover online grocery like BigBasket and Grofers?

  7. Aseem Kumar

    They have now reduced the points… it is only 3 points per Rs 150 spent from 25th May 2017 onwards.


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