Standard Chartered Manhattan
KeepFive percent at the supermarket, capped at ₹6,000 — Standard Chartered does the arithmetic for you.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 5,000 Reward Points on payment of the joining fee — worth ₹1,250 at this card's own ₹0.25 a point, against a ₹999 + GST charge
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹10,000 a month
At ₹10,000 a month — ₹1,20,000 a year — on the everyday mix this card returns ₹600 gross (earn ₹600) against a fee of ₹0 — the ₹999 is waived, the spend having cleared ₹1,20,000 a year = ₹600 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #399
Why #399 A supermarket card with a supermarket cap. The 5% headline is real and SC's own value chart bounds it at ₹6,000 a year; everything else earns 3 points per ₹150 at a point SC prices at ₹0.25, which is 0.50%. No lounge, no partner, 3.5% forex — it ranks on grocery arithmetic alone, and the fee reverses at ₹1,20,000 of spend.
SC houses 360° Reward Points at ₹1.00 on the strength of the Ultimate's 1-point-to-a-rupee redemption. Manhattan's own value chart says otherwise: 3 points per ₹150 on ₹1,50,000 of spend is 3,000 points, which SC totals at ₹750 — ₹0.25 a point. `earn.base` carries that quarter, so the card page prints 0.50% and not the 2% the "3x rewards" tile implies.
The take
Manhattan is one of the oldest cards on Standard Chartered's Indian shelf and it has survived by doing one thing: paying 5% back at supermarkets, grocery shops and departmental stores. The number to hold on to is not the 5% but the ₹6,000. SC's own value chart assumes ₹1,50,000 a year of grocery spend — ₹12,500 a month, a serious household — and totals the cashback at ₹6,000, not the ₹7,500 an uncapped 5% would pay. That gap is the ceiling, and it means the rung stops earning at about ₹10,000 of grocery a month. Everything outside the supermarket earns 3 reward points per ₹150, which reads as 2% until you check the same value chart: 3,000 points totalled at ₹750, so 25 paise a point and 0.50% in real money. Against that, ₹999 to join and ₹999 a year — but the joining charge returns 5,000 points worth ₹1,250 at this card's own rate, and the renewal reverses entirely at ₹1,20,000 of spend, which any household hitting the grocery cap clears without trying. So the honest reading is a free card paying ₹6,000 of grocery cashback plus half a percent on everything else. There is no travel dimension at all: 3.5% forex, no lounge, no partner, and a 360° catalogue with a ₹99 charge on every redemption.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹999/yr
The waiver ₹1,20,000 of spend in the year before renewal — about ₹10,000 a month — and the renewal fee is not charged.
Break-even ₹10,000 a month — ₹1,20,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 5% cashback at supermarkets, grocery shops and departmental stores
- 5,000 Reward Points on paying the joining fee — ₹1,250 at this card's own point value, more than the ₹999 charge
- ₹999 renewal fee reversed entirely on ₹1,20,000 of spend in the previous year
- Lifetime-free supplementary cards, and Balance on EMI up to ₹5,00,000 at zero processing fee
Watch out
- SC's own value chart tops the 5% supermarket cashback out at ₹6,000 a year — roughly ₹10,000 of grocery a month, after which the rung pays nothing
- The '3x rewards' tile is 3 points per ₹150, and SC prices this card's point at ₹0.25 — an effective 0.50%, not 2%
- Forex is 3.5%, there is no lounge access of any kind, and 360° points reach no airline or hotel
- Every 360° redemption carries a ₹99 rewards handling charge
- Revolves at 3.75% a month, an APR of 45%
- SC still lists this card in its tariffs table and keeps the product page live, but markets it far less than Smart and Rewards — check availability before counting on it
What these points actually fly
No live transfer route takes StanC 360° Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,20,000 a year is the bar that waives the ₹999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Standard Chartered states what the Standard Chartered Manhattan earns, but has not published which spend categories count toward the fee waiver — the ₹1,20,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹999 + GST to join and ₹999 + GST from the second year, with the renewal reversed on spends above ₹1,20,000 in the previous year. The joining charge is not reversed but returns 5,000 Reward Points, worth ₹1,250 at this card's own rate. THE 5% SUPERMARKET CAP IS UNPRINTED BUT DERIVABLE: SC's value chart assumes ₹1,50,000 a year of grocery, supermarket and departmental-store spend and totals the cashback at ₹6,000, where an uncapped 5% would pay ₹7,500 — so the rung ceilings at ₹500 a month. The same chart prices the points rung: 3,000 points at ₹750, i.e. ₹0.25 a point, so "3x rewards" is 0.50% and not 2%. NO LOUNGE ACCESS. Visa. The card is absent from SC's own credit-cards mega-menu while keeping a live product page and a priced tariff row — marketed down, not withdrawn. Kuch Bhi on EMI above ₹5,000; Dial-a-Loan and Balance Transfer up to ₹5,00,000; Balance on EMI at zero processing fee.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point