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Standard Chartered Manhattan
Standard Chartered • MasterCard

Standard Chartered Manhattan

5% Cashback on Supermarkets

Annual Fee₹999Waived on ₹1.2L spend
Base Reward0.8%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹10,190Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,880

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1.2L spend

Net value₹2,880

Estimated savings per year.

Fee waiver target: ₹1,20,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
5.0%
Basedefault
0.8%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Standard Chartered Manhattan is best positioned for shopping and lifestyle with a practical ceiling near 5.0% headline earn rates.
  • Cashback economics are most compelling when monthly routing is deliberate and exclusions are tracked.
  • No lounge footprint is currently mapped, so this card should be evaluated mainly on spend return and fee efficiency.

Best Utilization

  • 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.

Watchouts

  • 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.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹999
  • Annual fee₹999
  • Waiver threshold₹1,20,000
  • Cap typeper-transaction
  • Cap resetmonthly
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports20
  • Approval reports12

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

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.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Standard Chartered Manhattan using your current period spend.

₹0 spent₹1 target

Policy signal used: Waived on ₹1.2L spend

Spend threshold

Waived on ₹1.2L spend

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 5% Cashback at Supermarkets
  • 3X Rewards on other spends

Things to Consider

  • 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

About Standard Chartered Manhattan

Standard Chartered Manhattan is a cashback card from Standard Chartered, best for family grocery spends. It is tagged under shopping, lifestyle categories in our database.

ShoppingLifestyle

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Frequently asked questions

Is Standard Chartered Manhattan lifetime free?

It has an annual fee of ₹999. Waived on ₹1.2L spend

What rewards does Standard Chartered Manhattan offer?

5% Cashback on Supermarkets

Does Standard Chartered Manhattan include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Standard Chartered Manhattan?

Family Grocery Spends

Where can I apply for Standard Chartered Manhattan?

Check the issuer website for application availability.