Standard Chartered Manhattan Credit Card Review

This Standard Chartered Manhattan Platinum credit card not only looks good but also comes with lots of features and benefits which make it the best card in Indian market. It offers attractive reward point that can be later use it as cash back.  Manhattan Platinum is a credit card offered by Standard Chartered Bank in India.

Why I am saying standard chartered manhattan card among my all favorite best credit card because it offer cashback, has low joining fees, and plenty of benefits.  This card is an ideal for family people, especially living in metro cities for the discounts and offers it has which can be availed while spending on everything from cabs to groceries and restaurants to travel.

Standard Chartered Manhattan Credit Card Review
Standard Chartered Manhattan Credit Card Review

Benefits of Standard Chartered Manhattan Credit Card

Apart from having a name that stands out, it is also very popular for its amazing benefits and rewards.  This credit card is a great way to save money because of the great offers it has on cashbacks and reward points. A huge advantage is that Manhattan Credit Card offers these even on small transactions and at a lot of places.

1) Household Shopping

The best offer on this credit card is the 5% cashback that you can earn when you are shopping for groceries and other products of daily needs. You will get this cashback on every transaction of Rs 1000 and above for every Rs 150 spent at More, Reliance Fresh, Big Bazar and Food Bazar. The maximum cashback that you can earn in a month is Rs 500.

Make sure that you are not making a transaction for more that Rs 3,000 to get the best out of this offer. If you are spending more than that, split your bill into two, each amounting to Rs 3,000 or less.

2) Cab rides

Standard Chartered Manhattan Credit Card awards you with a 20% cash back on all Uber rides. You need to spend more that Rs 15,000 in a month in total from this card to avail the offer, which is not much with regards to the monthly expenditure of an average family.

The maximum cashback that you can get is Rs 600 every month that will be added to your account automatically.

3) Discounts on travel and restaurants

Standard Chartered Bank has tied up with a number of travel companies and booking your flights through Manhattan Credit Card offers you cashback and discounts on your flight tickets as well as free access to airport lounges at many major airports. Also, if you are planning to eat out with your family, make sure you check the long list of restaurants that offer special discounts if you pay them using Standard Chartered Manhattan Credit Card.

4) Reward Points

Apart from the cashback and discounts, Standard Chartered Manhattan Credit Cardalso awards you with reward points on every swipe. Spending Rs 150 through this card will earn you 3 reward points and each reward point has a redeem value of 30 paisa. Even thought this is not a very big amount but considering that it is free money, its not a bad bargain at all!

5) Easy EMI options

Standard Chartered Manhattan Credit Card also offers you an option to convert almost all your transactions into EMI.

You can choose EMI payment option on all expenses of Rs 5000 and above at an interest rate of 1.49% per month. This offer allows small scale business owners and even non-employed people flexible transactions and opens a whole range of shopping options for them.

6) Special discounts

Standard Chartered Manhattan Credit Card offers huge discounts and cash-backs to card holders on special occasions and festival seasons. So, if you have this credit card, make sure to check for the special offers on shopping around Diwali and New Year. You can save a lot by making bigger transactions on this card during that time which will help you save a good amount of money on your annual budget.

Fees and Other Charges of Manhattan Credit Card

Joining Fees – The joining fee to get a Standard Chartered Manhattan Credit Card is Rs 499.

Annual Fees – There is also an annual membership fee of Rs 999.

However, if you will request to your card issuer, then they might remove the joining fees and the 1st year charges as well, thus it will be free Credit Card for the first year.

Plus, if you are using this card frequently, there are good chances the bank will waive the annual membership fee. Once you have received the credit card and you are using it on a regular basis, you can either write an application or just talk to Standard Chartered customer care and they will not charge you the annual fee for at least the first year.

So overall, if you are not attracting any late payment charges on your credit card bill, you are most likely to getaway will all the charges on Standard Chartered Manhattan Credit Card apart from the initial fee of Rs 499.

The due date for the payment of the credit card bill without any interest is 18 to 25 days after the date of receiving your statement. Please note the exact date of the payment might vary for each customer and will be mentioned on the statement for each card holder. Make sure you pay your bill on time to avoid any extra charges. 

How to get Standard Chartered Manhattan Credit Card

Getting a Standard Chartered Manhattan Credit Card is a quick and hassle-free process.Let’s check out what are the processes to apply for a brand new credit card below:

Age Limit

You can apply for Standard Chartered Manhattan Card if you are between 21-65 years of age and have a stable monthly income.

Address Proof

You will need a copy of your identity proof that has your clear photograph on it and an address proof.

Income Proof

You will also need a recent passport sized photograph and an income proof which can be a salary slip or an IT return. If you are not working, you can apply using a credit card statement from another bank or a life insurance policy. This flexibility makes it very easy for even non-employed people to get this credit card.

How to Apply for Manhattan Credit Card

Standard Chartered Manhattan Credit Card is also favored for the easy online application process. You just need to fill a simple form with details like:

  • Your full name
  • City of residence
  • Date of birth
  • Source of income
  • Monthly salary
  • Email
  • A working mobile number
  • PAN card number

Go here to fill up the form, and you will see below similar screen:

Apply online for standard chartered manhattan credit card
Apply online for standard chartered manhattan credit card

Fill up all the detail from Your complete name, City, DOB, Source of Income, email ID and Mobile number.

As soon you will clock on’Proceed’ button, you will instantly receive an OTP that confirms the submission of your application and an application number after the completion of the online process.

How long it to take approve the Credit Card

Keep your documents ready for speeding up the process and if your credit card application is accepted, you will receive your credit card between 7-10 working days.

Overall review

This amazing popular Standard Chartered Manhattan is my favorite credit card since its offer huge cashback, reward points, low fee and charges.  In an overall comparison, Standard Chartered Manhattan Platinum Credit Card is sure to help you save a good amount of money. It is one of the most popular credit cards for the rewards and cashback it offers in India and its 5% cashback option makes it the best credit card for your routine shopping.

Consider other Cr Cards:

HDFC Regalia Credit Card Review, Features & Benefits

IndusInd Bank Iconia Credit Card – Review & Benefits

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Category: Credit Cards

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Article by: Ankita

Ankita is the main person behind She keep trying to figure out unique ways to save money using card, online etc.