Standard Chartered Manhattan Credit Card Review 2018 India

Last Updated: 14th Mar, 2018

I am using Standard Chartered Manhattan card for many years and I am in absolute love with it. Why? Because Manhattan card is all rounder card for me.

I use my HDFC Regalia credit card for travel and foreign transaction because that offers the lower foreign transaction surcharge in India. I use Amex Gold credit card 4 times in a month for loading 1000 rupees into my mobile wallets.

When I am in doubt, I prefer to use manhattan credit card because it gives me 5x reward points that I redeem on buying amazon vouchers. The redemption process is just awesome on standard chartered website.

What is the primary benefit of Manhattan credit card?

To get 5% cashback on groceries that no other credit card offers in India. You can shop in superstores like Big Bazaar, Reliance, Easyday, and More.

Manhattan credit card has probably the best reward to cash ratio that I will explain in the detail, later in this article, look at the fees structure first.

Fees and Charges of Manhattan Card

  • Annual Fees – The card comes with joining fees of 499 and annual fees of 999.
  • Reward Handling Charges – Free for online vouchers that I prefer, Rs 99 will be charged shipping physical products.
  • Overseas Transactions –  3.5% transaction fee.

Link to Apply for Manhattan Credit Card

Now look at the calculations how I get 1% of cashback after redemption.

  • 3 reward points for every 150 rupees spend.
  • If I spend 300,000 rupees then I receive 10,000 points.
  • I redeem 3 amazon vouchers of Rs. 1000 with approx 10,000 points.
  • Total 3000 rupees after spending 3 lakh, means 1% of value.

Also, you can get 500 rupees every month from 5% cashback on groceries. Get 6000 just by grocery spend in an year. Not bad.

A single credit card can give you 10,000 worth of cashback every year if you use it carefully.

Understand some limits when shopping in supermarkets

  • 1000 rupees Minimum transaction to be eligible for cashback (It’s not a big amount if you are buying from supermarket)
  • 150 cashback limit per transaction (Make multiple bills of 3000 if you have heavy shopper)
  •  500 cashback limit per month

I never felt any issue with these limits as my spending is within 10,000 monthly bill on groceries. 

Once you start using your credit card for all kind of transactions, the bank will waive off your annual fees.

Here is the recent proof of last year.

Standard Chartered Annual Fees Reversed

You have to call their customer support to check if they can waive off your annual fees.

Also Read : Reviews of Standard Chartered Platinum and Titanium Credit Card

Manhattan Credit Card Customer Care

Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune 6601 4444 / 3940 4444
Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin / Ernakulam, Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur, Patna , Rajkot, Surat, Vadodara 6601 444 / 3940 444
Gurgaon, Noida 011 – 39404444 / 011 – 66014444
Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthpuram, Vishakhapatnam, Mathura, Proddatur, Dehradun, Saharanpur 1800 345 1000
(For domestic dialing within India only)
Siliguri 1800 345 5000
(For domestic dialing within India only)

 Eligibility for SC Manhattan Credit Card

Only salaried people should apply or someone who already owns a premium credit card in India.

You must have excellent credit history.

Your income should be more than 50,000 per month and you can easily get this card approved.

Click here to apply online for Manhattan Credit Card

In some special cases you will get card, even if you are not eligible

  • Apply card based on your other bank credit card. If you do not own any credit card then apply for ICICI or HDFC credit card with the help of Fixed Deposit.
  • Apply card based on your life insurance.
  • If you are frequent traveler through Emirates Airlines
  • If you are holding any loan from Standard Chartered Bank

I will share more about other credit cards.

  • Updated March 14, 2018
Pardeep Goyal

I am Credit Card Lover, saving over Rs. 20,000 every year by using credit cards. ------ (Credit Cards in my wallet) 1. Standard Chartered Manhattan 2. Standard Chartered Titanium 3. Ultimate Standard Chartered 4. American Express Platinum Travel 5. American Express Gold 6. HDFC Regalia 7. ICICI Saphiro JetAirways (Visa & Amex variant) ---------- I am also running a personal finance portal on cashoverflow.in and contribute on YourStory as guest author.

Click Here to Leave a Comment Below 4 comments
Bhanu - August 17, 2017

To get 5% cash back I have to spend at least 1000.

So my question is
What if I buy grocery purchase of only 500? will I get rewards point at 5X or at least I will get reward points at 1X (i,e 15rupees = 1 point), or nothing at all.

    Pardeep Goyal - August 17, 2017

    No, If you are buying less than 1000 from a grocery store then you will not receive 5x rewards. Neither the cashback.

    But I feel that people buying from grocery stores make at least 1000 Rs. bill. My bills are always more than 2000 Rs.

Salim - May 9, 2018

Nicely written review

raj - August 23, 2018

Useful information, I am new customer of standard chartered bank, and about to get my first payment in it. Its great to know this information


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