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Standard Chartered Manhattan Platinum Credit Card
Visa 📡 Contactless NFC

Standard Chartered Manhattan Platinum Credit Card

Joining Fee₹999
Annual Fee₹999
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Supermarket shoppers and grocery buyers wanting 5% cashback on supermarket spends, 3X reward points on general retail, and domestic airport lounge access.

Who Should Avoid

Users who cannot meet the ₹1.2 Lakh annual spend fee waiver or those seeking online e-commerce rewards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,000 bonus Reward Points upon spending ₹1,000 within the first 30 days of card setup

5% Cashback on Groceries & Supermarkets

5% cashback on grocery shopping at supermarkets and departmental stores (capped at ₹500/month and ₹150/transaction on min ₹1,000 spend).

3X Reward Points on All Other Spends

Earn 3 Reward Points per ₹150 spent on all other retail transactions.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹999 is waived off on spending ₹1,20,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25
Standard Base Earning
3 Reward Points per ₹150 spent on regular retail (0.50% return; 1 RP = ₹0.25)
Accelerated / Partner Rate
5% cashback on grocery and supermarket spends (min tx ₹1,000, capped at ₹500/month and ₹150/tx); 3X Reward Points (3 points per ₹150, 0.50% return) on all other retail purchases
Points Validity:36 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Standard Chartered 360° Rewards Portal (Brand Vouchers & Electronics), Air Mile Transfers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Standard domestic lounge access program rules apply

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹120,000/yr
Annual renewal fee of ₹999 + GST is waived off on spending ₹1,20,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 65 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.75% per month (45.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the Standard Chartered Manhattan Platinum Credit Card

Annual Fee: ₹999/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, Standard Chartered Manhattan Platinum Credit Card has a joining fee of ₹999 and an annual renewal fee of ₹999 (plus applicable taxes).