Check availability before applying
Standard Chartered Manhattan Platinum Credit Card Review
The Standard Chartered Manhattan Platinum is a supermarket cashback card. It pays 5% back on supermarket and department-store purchases and a modest reward rate on everything else.
The cashback has tight conditions — a ₹1,000 minimum transaction, a ₹150 per-transaction cap and a ₹500 monthly cap — so it suits one or two large grocery shops a month rather than frequent small purchases.
- 5% cashback at supermarkets and department stores
- Up to ₹6,000 a year in cashback
- Fee reversed on ₹1.2 lakh annual spend
- Free supplementary cards
- No cashback on transactions under ₹1,000
- ₹150 per-transaction and ₹500 monthly caps
- Only supermarkets and department stores qualify, by merchant code
- ₹99 fee per reward redemption
- No lounge access and no fuel surcharge waiver
Fees and charges
| Item | Detail |
|---|---|
| First-year fee | ₹999 |
| Renewal fee | ₹999, reversed on spend above ₹1,20,000 in the previous year |
| Supplementary card | Free |
| Interest | 3.75% a month (45% a year) |
| Reward redemption fee | ₹99 per redemption |
| Fuel surcharge | 1% or ₹10, whichever is higher (no waiver) |
| Forex markup | 3.5% |
Rewards: how the card earns
| Spend | Earn | Conditions |
|---|---|---|
| Supermarkets and department stores | 5% cashback | Minimum ₹1,000 per transaction; max ₹150 per transaction and ₹500 a month |
| Other spends | 3 reward points per ₹150 | Minimum 500 points to redeem |
Whether a store counts as a supermarket depends on the merchant category code it uses, not on what it sells. Many grocery apps and kirana stores do not qualify.
What earns nothing
Purchases below ₹1,000 earn no cashback. Grocery stores that are not coded as supermarkets or department stores do not qualify for the 5%.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | None |
| Fuel surcharge waiver | None |
| Network | Visa |
| Welcome benefit | Not stated on the bank’s current page |
Eligibility
Issuer
Standard Chartered
Network
Visa
Age
21 to 65
Availability
Check with the bank (see note above)
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: households that do large, planned supermarket shops and will spend at least ₹1.2 lakh a year on the card.
- Skip if: you buy groceries in many small transactions or through apps — the ₹1,000 minimum will wipe out most of the cashback.
Alternatives worth comparing
- Best cards for groceries and bills
- Best cashback cards
- Standard Chartered Smart — online cashback alternative
- All card reviews
Final verdict
A good niche card for big, planned supermarket shops: up to ₹6,000 a year back with the fee reversed. The ₹1,000 minimum and monthly cap make it poor for anything else. Confirm availability before applying.
Frequently asked questions
How much cashback does Manhattan Platinum give?
5% at supermarkets and department stores, on transactions of ₹1,000 or more, capped at ₹150 per transaction and ₹500 a month.
Is the annual fee waivable?
Yes. The ₹999 renewal fee is reversed if you spend more than ₹1.2 lakh in the previous year. The first-year fee is ₹999.
Does it work on grocery apps?
Only if the merchant is coded as a supermarket or department store. Many apps and local stores are not.
Does it have lounge access?
No.
Can I still apply?
Standard Chartered still lists the card, but the page shows no online application. Ask the bank whether it is accepting new applications.
Last verified: October 2026, against Standard Chartered’s Manhattan Platinum page, cashback T&C (Feb 2026) and tariff schedule. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.