All cards / Standard Chartered
Standard Chartered Manhattan
A supermarket/grocery-focused cashback card, plus dining and lifestyle discounts through Standard Chartered's Good Life Programme (merchant discounts, not accelerated cashback). The grocery bonus only kicks in above a ₹1,000 minimum bill and is capped around ₹150 per transaction and ₹500 a month, so it rewards regular supermarket runs rather than one large monthly haul. Non-grocery spend earns a flat, unremarkable rate, and there is no lounge access, golf, or travel insurance bundled in at this price point.
Annual fee
₹999
Joining fee
₹999
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Dining discounts at partner restaurants via Standard Chartered's Good Life Programme
- Rewards rate: 0.5% base rate
- Domestic lounge access: No complimentary domestic lounge access
- International lounge access: No complimentary international lounge access
Benefits by category
- 🛒 Groceries
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Rewards redemption fee: Reward points redeemable as statement credit or vouchers at no extra fee
- Foreign currency markup: 3.5%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 5,000 welcome reward points on joining fee payment
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
Pros
- + Strong grocery/supermarket cashback
- + Dining discounts via Good Life Programme
Cons
- − Narrow bonus category
- − Average forex markup
- − No lounge access or travel perks of any kind
- − Per-transaction and monthly caps limit how much a single large grocery bill can earn