Standard Chartered Manhattan Platinum Credit Card Review
A lifestyle-focused card pairing assured grocery and supermarket cashback with a strong 5x reward rate on hotels, dining, airline tickets and fuel.
Quick facts
There is no published spend-based waiver on the ₹999 renewal fee; value comes from the assured grocery cashback and category reward rate rather than a fee reduction.
Fees and reward rates
Welcome benefits and offers vary by promotional period; check the current offer at application.
| Charge | Amount |
|---|---|
| Joining fee | ₹999 + GST |
| Annual/renewal fee | ₹999 + GST (no waiver) |
| Forex mark-up | 3.5% of transaction value |
| Cash advance fee | Standard cash transaction charges apply |
| Interest rate | 3.75% per month (45% APR) |
| Spend category | Reward rate |
|---|---|
| Hotels, dining, airline ticket bookings and fuel | 5 RP per ₹100 |
| Supermarket and grocery spends | 5% cashback |
| All other retail categories | 2 RP per ₹100 |
What else you get
Travel, dining and entertainment discounts under the Standard Chartered Good Life programme
Add-on cards available for family members
Convert spends of ₹2,000+ into EMI under Kuch Bhi on EMI from 0.99% per month
Balance transfer facility from other banks' credit cards
Eligibility
| Criteria | Requirement |
|---|---|
| Age | 21 to 65 years |
| Income (salaried) | Around ₹90,000 per month |
| Income (self-employed) | Around ₹10 lakh annual income |
| Credit history | Good credit history, generally CIBIL 750+ |
| Residency | Resident Indian in a Standard Chartered credit card sourcing city |
Standard Chartered issues cards only in its credit-card sourcing cities and runs frequent promotional fee waivers — confirm current city availability and exact fee terms on the official Standard Chartered India website before applying.
Verdict
What works
- Assured 5% cashback on groceries and supermarkets is a genuinely useful everyday benefit
- 5x reward rate on hotels, dining, airfare and fuel beats many cards in this fee bracket
- Relatively accessible income requirement compared to Standard Chartered's premium cards
- Useful balance transfer and EMI conversion tools built in
What to watch for
- No airport lounge access at all
- No spend-based waiver on the ₹999 annual fee
- Base rate on uncategorised spends is a modest 1.33%
- Welcome benefits are promotional and vary, so the headline offer can change
FAQs
How does the grocery cashback work on Manhattan Platinum?
What is the reward rate on dining and travel with this card?
Is there a fee waiver on the Manhattan Platinum card?
What income do I need for the Manhattan Platinum card?
Compare more Standard Chartered cards
See the full Standard Chartered India lineup on SearchLocally.in.