Standard Chartered India Manhattan Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns cashback
First-year fee
₹999 + GST
Annual fee
₹999 + GST
What it gives back
3x rewards when you use your credit card for all other expenses.
How it compares
Compared with the cards we have read
Fees
Annual feeJoining fee
₹999 + GST
Fee waiver rule
Renewal fee reversed on spends greater than ₹120,000 in the previous year.
Add-on card fee
₹0Lifetime free Supplementary credit cards
Welcome offer
Welcome benefit
5000 Reward Points on payment of Joining Fees.
Rewards
Reward rate
3x rewards when you use your credit card for all other expenses.
Groceries earning
5% cashback at supermarkets
Catalogue redemption
Redeem your reward points against our new online catalogue with the Standard Chartered 360° rewards programme.
Card benefits
Renewal benefit
Renewal fee reversed on spends greater than ₹120,000 in the previous year.
Also included
Surcharge on railway tickets
₹25 or 2.5% of transaction (whichever is higher) on Railway transactions; the rate of surcharge may vary depending on acquiring bank.
Add-on card eligibility
Minimum age for add-on cardholder is 18 years
Balance transfer terms
Transfer card balance upto ₹5,00,000 from other bank credit card at attractive interest rate
Purchase to EMI conversion
Convert your big spendings above ₹5,000 to easy EMI with Kuch Bhi on EMI through online banking or SC mobile.
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
1%1% charge from Visa/ MasterCard on transactions at merchant establishments that are registered overseas, even if the merchant is in India; included as a part of the transaction amount in your statement
Cash advance fee
3% of cash withdrawal amount subject to a minimum of ₹300
Interest on unpaid balance
Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00%.
Interest-free period
18-48 days to 25-55 days depending on your Payment Due Date
Late payment fee
₹0 to ₹1,200 by statement balance (₹1,200 above ₹10,000)
Payment return or dishonour fee
₹500 will get debited towards cheque bounce charges.
Statement or duplicate statement fee
₹99/- per month for paper statement in case the customer opts for both, a paper statement and an electronic statement.
Cash payment / cash deposit fee
₹299 /- will be charged for making payment of credit card bills by depositing cash at any Standard Chartered Bank branch.
Reward redemption fee
₹99 will be charged towards handling and courier charges for redemption of reward points.
Rent transaction fee
1% processing fee on transaction amount + applicable taxes
GST note
Goods and Services Tax (GST) will be levied at the applicable rates in force on all taxable supplies with effect from 1 July 2017
Minimum amount due
Higher of (a) 5% of statement outstanding or (b) sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or (c) ₹250.
Eligibility
Income requirement
Applicants should have a stable monthly income.
Minimum age
Between 18 and 65 years.
Documents required
Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card, Job card issued by NREGA duly signed by an officer of the State Government, The letter issued by the National Population Register containing details of name, address.
In the terms, not the brochure
Whether carrying a balance ends the interest-free period
Interest free credit period will be lost if a cardholder makes partial payment or does not clear the total amount due within the payment due date; interest may be levied from the date of transaction
How we know
₹999 a year
Apply