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 returnWithheld Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Rows mappedNo access Access ruleNo access Coverage sourceNeeds check
Annual fee₹999
RewardsCashback
Standard Chartered • MasterCardEveryday cashback
Standard Chartered Manhattan
Updated 12 Oct 2026StaleFull review overdue2 sources checked
Freshness warning: oldest recorded evidence is 244 days old (10 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Transaction or merchant-specific caps require purchase-level inputs; annual estimate withheld.
Generic annual estimate withheld: transaction-level grocery/MCC inputs and separate reward-point redemption are required; issuer page/document mapping conflict remains.
Before deciding
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
Latest change: Partial checked fields; no refreshed full-card or lounge verification claim
For Family Grocery Spends. Reward estimate withheld; review model limits. ₹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.
- Cashback requires qualifying grocery/supermarket/department-store MCCs and purchases of ₹1,000 or more.
- ₹150 transaction cap and shared ₹500 statement-cycle cashback cap.
- Minimum ₹1,500 cashback balance; redeem only in ₹500 multiples.
- Product page points to an unrelated Rewards-card PDF in its Manhattan T&C link; use the separately fetched Manhattan document.
Annual Fee₹999Joining fee ₹999
Spend to Waive Fee₹1,20,000Waived on ₹1.2L spend
Best Category ReturnWithheldModel limits
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.
Similar Cards You Might Like
Standard CharteredVisa
Standard Chartered DigiSmart Credit Card
Users who can consistently monetize monthly merchant offers
₹588/yrCashback
Standard CharteredVisa
Standard Chartered Platinum Rewards Credit Card
Users wanting a points card with moderate annual fee
₹1000/yrPoints
Standard CharteredVisa
Standard Chartered Smart
EMI Users
₹499/yrCashback
Value & Fees
Check earning rules before estimating value.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹999
Waived on ₹1.2L spend
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
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 airport-level lounge rows 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
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.