Why you should get it
Family Grocery Spends
- 5% Cashback at Supermarkets
- 3X Rewards on other spends
Back to Browse
Why get it Why skip it Annual fee₹999 Fee waiver₹1,20,000 Best return5% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Visits listedNo access Access ruleNo access Coverage sourceNeeds check
Standard Chartered • MasterCard
Standard Chartered Manhattan
Decision memo
Get it if
Route the card to shopping and lifestyle transactions first, then shift spillover to a backup card after caps
Skip it if
Return quality depends on eligible merchant/category mapping, so spend classification drift can hurt outcomes
Verified 12 Feb 2026VerifiedHigh confidence1 source checked
For Family Grocery Spends. 5% on shopping spend. ₹999 fee, waiver at ₹1,20,000. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Current issuer product page URL is not active, so latest public feature visibility is limited
- Accelerated supermarket cashback has per-transaction limits and threshold conditions
- Best suited for existing cardholders who already have this card in portfolio
Annual Fee₹999Joining fee ₹999
Spend to Waive Fee₹1,20,000Waived on ₹1.2L spend
Best Category Return5%Shopping spend
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Route the card to shopping and lifestyle transactions first, then shift spillover to a backup card after caps.
- Use as a focused primary card only where reward eligibility remains clear and repeatable.
- Review spend against the ₹999 annual fee and downgrade usage if net annual value drops below fee drag.
Watch before applying
- Return quality depends on eligible merchant/category mapping, so spend classification drift can hurt outcomes.
- No complimentary lounge access is currently mapped for this card.
- Fee drag risk: if annual realized value does not comfortably clear ₹999 annual fee, this card becomes hard to justify.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹999
Waived on ₹1.2L spend
Shopping spend
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No complimentary lounge visits are currently listed.
No lounge data listed in latest source snapshot. Please verify with issuer.
Derived from card policy signals
Lounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.