M16S / Standard Chartered / Standard Chartered Manhattan Credit Card
entry · cashback, rewards
Standard Chartered Manhattan Credit Card
The Standard Chartered Manhattan Credit Card costs Rs 999 a year, waived if you spend Rs 1,20,000 in a year. It earns 3 RP per Rs 150 on other spends. Accelerated earn: 5% cashback at groceries, supermarkets and departmental stores. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 999+ GST
- Fee waived at
- Rs 1,20,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on sc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 999 |
|---|---|
| Annual fee | Rs 999 |
| Annual spend that waives the fee | Rs 1,20,000 |
| Fee notes | Rs 999 in year 1 and from year 2 per the tariff page (listed as Manhattan Platinum). Renewal fee reversed if the previous year's spend exceeds Rs 1,20,000. Supplementary card free. |
Rewards
| Reward currency | Cashback plus Reward Points |
|---|---|
| Base earn | 3 RP per Rs 150 on other spends |
| Accelerated earn | 5% cashback at groceries, supermarkets and departmental stores |
| Caps | 5% cashback needs a minimum transaction of Rs 1,000; capped at Rs 150 per transaction and Rs 500 per statement cycle across primary and supplementary cards |
| Spends that earn nothing | No points or cashback on cash withdrawals/advances, loans, fees and finance charges, returned or disputed transactions. No MCC exclusion list in the T&C. |
| Reward notes | Base return not computed: neither the card page nor the T&C states a rupee value per point. The Rs 500 cashback cap is reached at Rs 10,000 of supermarket spend per cycle. Rs 99 redemption handling charge. |
Travel and perks
| Domestic loungeunverified | None |
|---|---|
| International loungeunverified | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | No waiver found. Tariff: fuel surcharge Rs 10 or 1% of the transaction, whichever is higher. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months |
| Cash advance fee | 3% min Rs 300 |
| Fine-print notes | Status corrected from closed-to-new to open: Standard Chartered's own card page, the listing and the tariff table all carry the card, the page invites applications ('Apply for Manhattan Credit Card', approval in about 6 days) and nothing on the page or in the T&C says it is withdrawn. The page shows no apply button in its body, so confirm at a branch. Card page and product T&C read. No lounge benefit is mentioned. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded. |
Questions
- What is the annual fee of the Standard Chartered Manhattan Credit Card?
- Rs 999 a year, before GST. It is waived if you spend Rs 1,20,000 in a year.
- Does the Standard Chartered Manhattan Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Standard Chartered Manhattan Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Standard Chartered Manhattan Credit Card?
- No points or cashback on cash withdrawals/advances, loans, fees and finance charges, returned or disputed transactions. No MCC exclusion list in the T&C.