How to Apply for the Standard Chartered Manhattan Credit Card in 2026

title: "How to Apply for the Standard Chartered Manhattan Credit Card in 2026" slug: how-to-apply-for-sc-manhattan-credit-card excerpt: "Apply for the Standard Chartered Manhattan Credit Card with 5% cashback on groceries, utilities, and fuel. Eligibility, benefits, and walkthrough." category: how-to-apply tags:

• standard-chartered
• manhattan
• cashback
• groceries
• utilities relatedCards:
• sc-manhattan heroImage: /images/guides/sc-manhattan.svg publishedAt: "2026-06-18T16:57:29.780Z"

The Standard Chartered Manhattan Credit Card is a lifestyle cashback card with 5% cashback on groceries, utilities, and fuel, 1% on all other spends, 1% fuel surcharge waiver, and 1 free domestic lounge visit per year. The card is targeted at urban households that spend heavily on essentials.

Why this matters

SC Manhattan is the only Standard Chartered card with 5% cashback on groceries, utilities, and fuel. If you spend ₹20,000/month on these categories, the 5% gives you ₹1,000/month. The 1 free lounge visit per year and 1% on all other spends are useful secondary benefits.

Related cards

How to Apply for the Standard Chartered Manhattan Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Manhattan eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹25,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via Standard Chartered website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit sc.com/in → Cards → Credit Cards → Manhattan. Click Apply Now. The form is pre-filled if you are an existing Standard Chartered customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in the Standard Chartered app. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, Standard Chartered app, or at any Standard Chartered ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for groceries, utilities, and fuel</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card at grocery stores, for utility bill payments, and at fuel stations to earn 5% cashback. The 5% is capped at ₹1,000 per month.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the 1 free lounge visit</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.</p>
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Common mistakes to avoid

The 5% cashback is capped at ₹1,000 per month. The 5% is restricted to direct grocery, utility, and fuel transactions — wallet loads and EMI do not qualify. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

• Use Manhattan for groceries, utility bill payments, and fuel to maximise 5%
• Track the ₹1,000/month cashback cap in the Standard Chartered app
• Register on Dreamfolks and link the card before your first trip
• Pair with SC Ultimate for premium benefits

Frequently asked questions

What is the annual fee on SC Manhattan?

The card is lifetime-free. There is no joining or annual fee.

What is the 5X cap?

5% on groceries, utilities, and fuel is capped at ₹1,000 per month.

Does the 5X apply to Swiggy?

No. The 5% is restricted to direct grocery and utility transactions. Swiggy and Zomato earn 1% only.