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

Piyush Rathod's profile photo Piyush Rathod
3 min read
Reviewed by Gautam Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

The Standard Chartered Manhattan Credit Card (sold as the Manhattan Platinum) gives 5% cashback at supermarkets — including grocery and departmental-store spends — and 3 reward points per ₹150 on everything else. Joining and annual fees are ₹999 + GST; paying the joining fee earns 5,000 reward points, and the renewal fee is reversed on spends above ₹1,20,000 in the previous year.

Why this matters

Manhattan is SC’s household-essentials card: the 5% supermarket tier is the headline, and the 3-points-per-₹150 base rate keeps non-grocery spend earning. It is not the fee-free card older reviews describe — the ₹999 + GST structure and the ₹1.2 lakh renewal waiver are the live issuer terms.

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

How to apply Total time: 10 min · Estimated cost: ₹999 + GST joining fee (earns 5,000 reward points) · You’ll need: PAN, Aadhaar, mobile, salary slip or ITR Apply for the Standard Chartered Manhattan Credit Card with 5% supermarket cashback. Eligibility, benefits, and walkthrough.

  1. Check Manhattan eligibility — Applicants aged 18–65 in Standard Chartered’s sourcing cities with stable monthly income; the issuer publishes no fixed income figure. You’ll need PAN, address proof, a photograph, and a salary slip or ITR.
  2. Apply online via the Standard Chartered website — Visit sc.bank.in → Credit Cards → Manhattan Platinum. Click Apply; existing SC customers get a pre-filled form.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and income.
  4. Complete eKYC — Authorize Aadhaar OTP verification where offered; a video KYC call may follow.
  5. Submit and track — Keep the application reference and track status via the SC Mobile app or relationship manager. Approval typically takes 5–10 working days.
  6. Receive the card and activate — The card is delivered within about 5 working days. Activate via the SC Mobile app or an ATM PIN set-up.
  7. Earn the supermarket tier — Pay at supermarket, grocery, and departmental-store MCC merchants for 5% cashback; all other eligible spends earn 3 reward points per ₹150 via the 360° Rewards programme.
  8. Get the fee back — Spend above ₹1,20,000 in a year and the ₹999 renewal fee is reversed. Add-on cards for family are lifetime free.

Common mistakes to avoid

The 5% rate applies to the supermarket merchant category — utilities and fuel are not on it, despite older reviews claiming otherwise. Exclusions and caps in the issuer’s T&C govern the cashback, so check the latest schedule before relying on the rate. The joining-fee reward of 5,000 points is only credited when the fee is actually paid.

Pro tips

  • Route household grocery and departmental-store bills through Manhattan for the 5% tier
  • Plan ₹1.2 lakh+ of annual spend so the renewal fee reverses
  • Convert eligible spends above ₹5,000 into EMIs via “Kuch Bhi on EMI” in net banking or SC Mobile
  • Pair with SC Ultimate for premium travel benefits

Frequently asked questions

What is the annual fee on SC Manhattan?

₹999 + GST joining and ₹999 + GST annual from year 2, with the renewal fee reversed above ₹1,20,000 of annual spends. The “lifetime-free” wording in older third-party reviews is outdated.

What is the 5% cap?

The 5% cashback applies to supermarket MCC spends; monthly caps and exclusions sit in the issuer’s current T&C document.

Does it include lounge access?

The current product page lists no complimentary lounge visits for Manhattan — lounge benefits are reserved for SC’s higher tiers.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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