Standard Chartered Manhattan VISA Credit Card
Standard Chartered Bank
Expert Rating
₹999
₹999
3.5%
No lounge access
Contents
The Standard Chartered Manhattan VISA Credit Card is aimed at everyday shoppers who want high value on groceries, supermarkets and departmental store spends. It combines targeted cashback on essentials with a straightforward reward program for other spends, plus regular merchant discounts and curated lifestyle offers. Low joining/annual fee makes it attractive for retail and online shoppers seeking consistent monthly savings.
Features of Standard Chartered Manhattan VISA Credit Card which makes it unique
Focused Grocery Cashback
Higher cashback on supermarkets/grocery categories
Meaningful monthly savings for household spenders
Stronger than many general-purpose cashback cards
Rewards Structure of Standard Chartered Manhattan VISA Credit Card
Grocery & Supermarket Cashback
baseTransactions ≥ ₹1,000 at supermarkets, grocery and departmental stores
Promoted category subject to bank discretion and periodic updates.
Other Spends
baseAll other retail transactions
Reward points can be redeemed as per rewards catalogue; redemption fee may apply.
Fuel & Exclusions
baseFuel transactions typically excluded from cashback
Always confirm exclusions (utility, wallet reloads, insurance) on official T&C.
Milestones of Standard Chartered Manhattan VISA Credit Card
Annual Spend Waiver
₹1,20,000 per year : Annual fee waiver for next year
Fees & Charges of Standard Chartered Manhattan VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on ₹1,20,000 annual spend (or as per bank's published waiver policy).
Fee Explanation Fees follow Standard Chartered tariff schedule; foreign currency markup typically 3.5% on transactions.
Insurance Coverage with Standard Chartered Manhattan VISA Credit Card
Purchase protection
₹25,000Covers eligible purchases for a limited period; check T&C.
Additional Features of Standard Chartered Manhattan VISA Credit Card
Contactless Payments
Tap-and-pay enabled for fast POS transactions
Add-on Cards
Supplementary cards available; combined limit applies
Welcome Bonus with Standard Chartered Manhattan VISA Credit Card
Welcome Bonus: 5,000 Reward Points
Bonus Conditions: Valid for new customers only; bonus credited after joining fee payment and fulfillment of T&C.
Application Process for Standard Chartered Manhattan VISA Credit Card
Processing Time
3-10 business days (subject to verification and VKYC completion)
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Standard Chartered / Finanjo portal
Complete VKYC or upload KYC documents
Receive verification call / email
Card dispatched within 3-10 business days after approval
Required Documents for Standard Chartered Manhattan VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Standard Chartered Manhattan VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India on Visa network
International Acceptance
Accepted globally on Visa
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Standard Chartered Manhattan VISA Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must provide valid PAN and KYC (Aadhaar / passport / utility bill) as per bank policy.
How Approval Is Decided
- Minimum age 21 years
- India resident with valid KYC
- Minimum monthly income as specified (salary/self-employed)
- Acceptable credit score (typically 700+)
Pros of Standard Chartered Manhattan VISA Credit Card
- Attractive grocery and supermarket cashback
- Affordable fee structure with waiver possibility
- Simple rewards model — easy for consumers to maximize
Cons of Standard Chartered Manhattan VISA Credit Card
- Promoted-category caps limit maximum monthly cashback
- Fuel and certain utility spends may be excluded from rewards
- No built-in airport lounge access or premium travel perks
Frequently Asked Questions about Standard Chartered Manhattan VISA Credit Card
Is there a joining fee?
Yes — joining fee is ₹999 + GST; welcome bonus is credited after joining fee payment as per bank T&C.
What is the cashback on groceries and supermarkets?
Get 5% cashback on supermarket, grocery and departmental store transactions (min txn ₹1,000). Monthly cashback capped (typical cap ₹500/month).
How can I get the annual fee waived?
Annual fee waiver typically applies on meeting the bank's annual spend threshold (commonly ₹1,20,000 in a year); check latest bank communication.
Are fuel transactions eligible for rewards?
Fuel spends are generally excluded from cashback/rewards for this card — always verify the current exclusions on the official T&C.
How do I redeem reward points?
Reward points can be redeemed through Standard Chartered's rewards portal/catalogue for vouchers, statement credit or partner redemptions; redemption fees may apply.
What is the foreign currency mark-up?
Foreign currency markup is typically 3.5% on overseas transactions for Manhattan cards (refer to tariffs page for exceptions).
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
