Standard Chartered Manhattan Credit Card: Features and Benefits

Summary

The Standard Chartered Manhattan Credit Card is a lifestyle card designed for consumers who love shopping, dining, and traveling and earn cash back and rewards as well. The Credit card offers a cashback of 5% if used to buy from supermarkets and department stores, offering users substantial savings on what they use and buy daily. It also provides 3 reward points for every ₹150 spent, which can be redeemed as exciting rewards.

This card is filled with upscale lifestyle rewards in the form of discounts on dining, travel, and entertainment that would appeal to individuals who like to indulge in experiences at discounted prices. It also comes with easy EMI options, which allow card members to convert huge expenses into easy monthly installments. The exemption of 1% fuel surcharge is a nice added advantage, especially for daily commuters.

Safety is also a major element, with the card having an EMV chip and facilitating contactless transactions, making the transactions secure and quick. The ₹999 yearly charge can be exempted if the user conducts ₹1,20,000 worth of transactions in a year, hence being cost-effective for consistent use. Cardholders should also watch out for finance charges (3.75% of current monthly balance), late fee charges, and foreign transaction charges (3.5%) to avoid additional charges.

Introduction

Credit cards today are part and parcel of our day-to-day lives. They are rewarding, financial, and convenient. Standard Chartered Manhattan Credit Card is one such popular credit card. The credit card is designed for those who love to shop, dine out, and travel and get great cash back and rewards in return.

Manhattan Credit Card is known to provide amazing cashback rewards on ondepartmentl store and grocery spending. If you frequently dine at restaurants, buy household items, or purchase groceries regularly, this card enables you to save money on all your purchases. The icing on the cake is that the cashback system is simple so that you may easily track and avail your benefits.

Another great feature of this credit card is lifestyle rewards. The card offers top-notch deals on dining, travel, and recreation. If you enjoy watching a movie, visiting places, or spending the night at nice dining restaurants, this card promises you excellent discounts and coupons to cut down the trip expenses for you.

Security is another crucial feature of this card. With advanced security features, you can shop online or transact without fear of fraud. It even provides contactless payment methods so you can make payments quickly and easily.

What is the Standard Chartered Manhattan Credit Card?

Standard Chartered Manhattan Credit Card is one kind of special credit card, which rewards you money while buying, eating out, and traveling. It is widely used for rewarding cashback when you shop at supermarkets and department stores. This means that every time you buy groceries or household essentials, you get a percentage of your money returned.

Apart from cashback, the card also offers special deals on entertainment, air travel, and eating out. If you are a passionate foodie, want to buy air tickets, or watch movies, this card provides you with special deals to enable you to enjoy these at a lower price.

How is the design of the Standard Chartered Manhattan Credit Card?

The Standard Chartered Manhattan Credit Card is sleek and stylish, giving it a premium look. The card has a professional and modern appearance, which attracts customers who desire an elegant look.

It usually has a dark-colored background with a high-quality finish, giving it a luxurious feel. “Manhattan” is its name, being named after the renowned Manhattan city in New York, which epitomizes class and beauty. Some of these cards carry an image of skyscrapers, depicting a modern way of life.

The card information like the name of the cardholder, card number, and expiry date are neatly printed in easy-to-read and clear format. It also has a chip for security and is contactless-enabled, enabling you to make fast and convenient transactions.

What are the benefits of the Standard Chartered Manhattan Credit Card?

Here are the best advantages, along with real reward points:

1. Supermarket & Department Store Shopping Cashback

• Earn 5% cashback when you shop at department stores and supermarkets.

• Max cashback: ₹500 a month (₹150 per transaction).

• So, if you are spending ₹3,000 every month in those shops, you can earn as much as ₹500 in cashback.

2. Other Expenditure Rewards

• Earn 3 reward points for every ₹150 spent on all other purchases.

• These features can be availed to buy exciting gifts, vouchers, and discounts.

3. Simple EMI Options

• Convert big expenses into EMI (Equated Monthly Installments) with very low interest charges.

• Makes spending money on things such as electronics, booking of travel, or the purchase of furniture simple.

4. Exclusive Restaurant Dining Discounts

• Get up to a 15% discount at some dining partner restaurants in India.

• Get to save when dining out with friends and family.

5. Contactless & Safe Transactions

• Supports tap-and-pay technology for convenient payments.

• Has an EMV chip for secure payments, minimizing the chances of fraud.

6. Fuel Surcharge Waiver

• Earn a 1% discount on fuel surcharge for all petrol pumps in India.

• Max waiver: ₹200 per month.

7. Travel & Entertainment Offers

• Avail best prices on travel bookings, movie ticket bookings, and lifestyle activities.

• Associated with various travel and entertainment websites.

What are the fees for the Standard Chartered Manhattan Credit Card?

Here is a simple Standard Chartered Manhattan Credit Card fee breakup.

Joining Fee	₹999 (one-time)
Annual Fee	₹999 (waived if you spend ₹1,20,000 in a year)
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	3% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Standard Chartered Manhattan Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Standard Chartered Manhattan Credit Card?

The documents that you will have to submit to Getana Standard Chartered Manhattan Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Standard Chartered Manhattan Credit Card be used?

Here is the list of places where you can use it:

• With the Standard Chartered Manhattan Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Standard Chartered Manhattan Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Standard Chartered Manhattan Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Standard Chartered Manhattan Credit Card?

The credit limit of the Standard Chartered Manhattan Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card; typically, ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Standard Chartered Bank once you have made your application.

How do you apply for a Standard Chartered Manhattan Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Standard Chartered Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you can choose the  Standard Chartered Manhattan Credit Card.

• Just hover your cursor on the Standard Chartered Manhattan Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Standard Chartered Bank branch to apply for the  Standard Chartered Manhattan Credit Card.

• Request for the credit card application form for the  Standard Chartered Manhattan Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Standard Chartered Manhattan Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Bank Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Standard Chartered Manhattan Credit Card in 2025 be right?

Yes, getting a Standard Chartered Manhattan Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Standard Chartered Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The Standard Chartered Manhattan Credit Card is a great card for shopping, eating out, and getting rewards for day-to-day expenses. With a cashback of 5% on department store and supermarket shopping, the card saves you money without doing anything. The card also provides rewards points on other expenditures, so it’s a good financial product for frequent shoppers and salaried people.

One of the most notable benefits of this card is that it provides special discounts on entertainment, traveling, and dining so that you may enjoy class-level experiences at less cost. It also provides hassle-free EMI facilities so that you can settle huge bills easily and comfortably without any kind of financial burden. The free fuel surcharge and the benefit of safe contactless payment services are its other benefits.

Although the Credit card does charge a joining and annual fee of ₹999, you can get this waived if you’re exceeding the annual spending limit. Do be careful of interest fees, late payment fees, and foreign transaction fees to reduce expenses. If you use the card wisely and settle bills promptly, you can bring maximum benefits to fruition and reduce expenses to the minimum.

Frequently Asked Questions (FAQ’s)