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Standard Chartered

SC Manhattan

MastercardMidCashback
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Annual Fee

₹999

Reward Type

Cashback

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹999
Annual Fee₹999(waived ≥ ₹1,20,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

dining5%(cap ₹500)grocery5%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkMastercard

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

HSBC Cashback (97%) →HSBC Live+ Credit Card (97%) →Kotak Royale Signature Credit Card (96%) →OneCard Metal (93%) →Standard Chartered Smart (92%) →

💡 Fee Waiver Strategy

Spend ₹1.2L to waive fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1%, you need to spend ₹99,900 annually.

🎯 Pro Tips

  • ▸5% cashback on grocery is one of the best in this segment
  • ▸Great daily driver for household spends

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹18,201

Effective Rate

1.5%

Ranked #31 of 173 cards#31

₹999 annual fee deducted from gross rewards value.

🏷️ Best For

grocerydiningcashback