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:

  1. More
  2. Reliance Fresh
  3. Big Bazaar
  4. 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:

  1. Hotels
  2. Dining
  3. Airline ticket reservation
  4. 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
  • Special Benefit: Save on Uber Rides

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.

Author: Siddharth

A Credit Card freak minting reward points and cashback for years, started adding Airmiles in recent times. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

37 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.

      1. Hari


        You have to spend a min of INR 8000/bill cycle to get 20% cash back on Uber rides. Asked CC to cancel my Manhattan card. Got it converted to LTF.

        1. Naveen B R

          HI Siddarth,

          I have been a Manhattan customer for over 2 years with excellent track record. I have been thinking to get this converted to LTF, although I am able to do transact over 60k each year and get it still waived off.
          However, I have recently picked up some new cards, Amex Platinum Reserve and Travel card both. So planning to make use of those too. If I can manage to get this converted to LTF< it would be awesome. However I couldnt find a single post which talks about how I can convert Manhattan card with LTF. Their service has been amazing which I can say positively and hence all this calculation to have it with me for free if I can 🙂

          1. Hari

            I got mine converted to LTF. I wasn’t using the card much these days. So asked them to cancel my card. Considering my relationship with them (using Manhattan card since 2011 and have platinum rewards and Landmark card as LTF too) they offered to convert it to LTF which I accepted.

    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.

    1. Mayank

      Since When?? I haven’t received any mail/information from them.

    2. Bora

      Where have you saw this? I have not received any mail/ message from SC

  8. Mouli

    Its showing 5 points / 150 for this card. If I Use this card in hotel will I get 25 Points/150 as it qualifies for 5x

  9. sohail

    what about airport lounge access on stanc mahattan plan card?


    Can we get 5 % discount if we use it in D-Mart, Paytm, Flipkar,Amazon


      I am using in d mart . I am getting 5%cash back


    Can we get 5 % discount if we use it in D-Mart, Paytm, Flipkar,Amazon if we use SC Manhattan card

  12. Sanket SHirodkar

    Hi Siddharth Sir,
    I have few questions as below
    Will I get 5% cashback for shopping in D-Mart (I shop there only) ?
    Will I get 5% cashback for online shopping sites like big basket or groffers ?
    Do we get any rewards points while loading money in 3rd party wallets like Paytm, Amazon Pay etc ?

    1. Datta1108

      Hi Sanket,

      Pls see my response. FYI, I am answering them based on my experience, as I hold this card.

      Will I get 5% cashback for shopping in D-Mart (I shop there only) ? –> Yes, you will get cashback for DMart purchases. I have been using for long time and I am getting the cashback. This cashback you can transfer to your CC. Pls remember the min (1000) and max (3000) transaction amount. Max cashback per month is 500.
      Will I get 5% cashback for online shopping sites like big basket or groffers ? –>No
      Do we get any rewards points while loading money in 3rd party wallets like Paytm, Amazon Pay etc ? –> Yes you do.

  13. Rajesh

    The Uber cashbak offer has been extended for another year. 20% cashback on all SC cards. Limted to 600/month and minimum spend of 15k /month


    can we have SCB (Ultimate/Manhattan) , ICICI (coral or Jet sapphiro) and Axis (privilege or select) Cards through card on Card process?

  15. giriraj

    How do i know mcc code of establishments in india through online, if any?

  16. John Abraham

    Had anybody noticed that the spend threshold for waiving the annual fees been increased from 60,000/- to 1,20,000/- per annum ?

  17. Sitender

    Hi All,

    I am looking for Standard Chartered Emirates World card but the criteria is to have a limit of minimum 100000 of any existing standard chartered card. I hold a Manhattan card with 75000 limit which I got in January 2018. No limit upgrade option available. How do I get the limit increased or get the Emirates World Card?


    Can someone please help me regarding following queries..

    1.) At present I am staying at Delhi and using standard charted Manhattan credit card. In a few months I will be shifting back to my native place. Should I inform the bank about change of my address?

    2.) Can standard charted bank cancel my credit card since they donot offer credit cards at my native place?

    3.) If they cancel my credit card account with me on this ground will it affect my CIBIL as i have been using it since last 3 years.

    4.) should I get a new credit card before informing the bank about address change as when they cancel the card i will have a different card to build my CIBIL?

    I am a bit confused about this. I don’t want to loose this card. If anyone of you can please help me out it will be of great help to me. Thank you.


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