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

Apply for the Standard Chartered Manhattan Credit Card with 5% cashback on groceries, utilities, and fuel. Eligibility, benefits, and walkthrough.

FinWiz24 Editorial

Published 8 April 2026

Updated 18 June 2026

3 min read

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

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.

Card: sc-manhattan View Card

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

How to

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

Apply for the Standard Chartered Manhattan Credit Card with 5% cashback on groceries, utilities, and fuel. Eligibility, benefits, and walkthrough.

Time: 10mCost: Free

What you'll need

PAN
Aadhaar
mobile
salary slips (if required)

1
Check Manhattan eligibility
You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹25,000. CIBIL score of 720+ is preferred.
2
Apply online via Standard Chartered website
Visit sc.com/in → Cards → Credit Cards → Manhattan. Click Apply Now. The form is pre-filled if you are an existing Standard Chartered customer.
3
Complete the application
Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
4
Complete Aadhaar eKYC
Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
5
Submit and track
Submit the form. The 12-digit application reference is shown. Track status in the Standard Chartered app. Approval takes 5–10 working days.
6
Receive the card and activate
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.
7
Use the card for groceries, utilities, and fuel
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.
8
Use the 1 free lounge visit
The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.

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.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.