CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Standard Chartered

Standard Chartered Manhattan Credit Card

36
Ranked #56 of 170 in credit
creditVisa/MastercardEntry-Mid

Standard Chartered's supermarket-focused cashback card offering 5% cashback on groceries/departmental stores (capped) plus modest base rewards elsewhere — a narrow, grocery-specific value proposition.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value24/100 · weight 71%
≈ 1.18% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks1/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹999 + 18% GST
= ₹1,179 total
Annual fee
₹999 + 18% GST
= ₹1,179 / year total
Waiver: Waived on annual spend of Rs1,20,000+
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
groceriescashback5%₹500 / monthly5% cashback directly applying to supermarket buys executed locally
groceries_offlinecashback5%₹500 / monthlyMin Rs1,000 txn, max Rs150/txn, max Rs500/month
all_spendspoints0.50%(2 pts @ ₹0.25)—3 pts/Rs150 = 2% base rate other categories

Welcome offer

5,000 bonus Reward Points on joining

Milestone benefits

Pros

  • Strong 5% cashback on groceries/departmental stores/supermarkets (capped Rs500/month)
  • simple structure
  • achievable Rs1.2L spend for fee waiver

Cons

  • No lounge access
  • cashback capped at Rs150/transaction and Rs500/month
  • limited to supermarket-type spends for the accelerated rate — narrow use case
  • reward points on other categories only 3X/Rs150 (~2% effective)

What's inside

More benefits

  • Good Life program discounts

    Discounts and offers across dining, shopping, and travel via SC Good Life program

    unlimited.

Insurance cover

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₹NaN

Eligibility

text
Age 21-65 (primary), 18+ (add-on); Indian resident; income from ~Rs25,000/month

Small print

Fuel surcharge:Not a highlighted benefit