Top 3 Best Standard Chartered Credit Card in India 2022 Review

Top 3 Best Standard Chartered Credit Card in India 2022 Review

Updated: 14th Jan, 2022

Honestly, I am a fan of Standard Chartered Manhattan credit card (Read the detailed review). I got my Standard Chartered Manhattan credit card 5 years back when my salary was 60,000 per month and I had an excellent credit history. It would be difficult to get the approval of a Manhattan credit card today, especially if you are a first time applicant.

If you are going to apply for your first credit card, then go for the Platinum rewards credit card.

There is no annual or joining fee for Standard Chartered Platinum Card, easy approval along with some benefits.

Best Standard Chartered Credit Card in India 2022

#1. Standard Chartered Platinum Credit Card Review

The biggest benefit is that Standard Chartered bank offers Platinum Rewards credit card at a nominal fee of Rs. 250. But that also will be waived off if you use your credit card within the first 3 months. So ultimately it’s a Life Time Free credit card.

Secondly, you get 5 reward points for every 150 points spent on fuel (worth 1% cashback).

Rewards and Offers

  • Earn 5 reward points for every Rs 150 Spent at dining outlets
  • Earn 5 reward points for every Rs 150 Spent on fuel
  • Earn 5 reward points for every Rs 150 spent at hotels
  • Earn 1 Reward Point for every Rs 150 on all other categories
  • Get 20% cashback (up to Rs 600/m on Uber rides)
  • Transact within 60 days of card approval and get 1000 reward points
  • Get an additional 500 reward points on registering for online banking

No Annual Fees

  • Fees Joining fee – 250 INR (Waived off on the first usage within 90 days)
  • Annual fee – Nil

Terms & Conditions

  • Reward points are only redeemable against only products, vouchers or services featured in platinum reward catalouge
  • Minimum 500 reward points required to redeem.

Check out SBI credit card review

SC Platinum credit card reward points redemption

Standard Chartered has a beautiful portal for redeeming your points.

Whenever I accumulate 3400 points, I redeem for 1000 rupees Amazon vouchers. I am waiting for 6800 points to appear in my account when I will redeem for 2000 rupees. You have to spend 1,00,000 rupees to gather 3400 reward points.

Check outSteps to pay standard chartered credit card payment

#2. SC Super Value Titanium Credit Card Review

If you are looking for a fuel credit card, then you would go for Super Value Titaniun Credit card You will get great savings and cashback on fuel, telephone and utility bills.

This is the only credit card that offers 5% cashback on fuel at all petrol pumps ( BPCL, IOC, HPCL or Reliance) in India.

Fee & Charges

  • Joining Fee: Rs 499 ( Spend INR 30,000 in the first year & get first year annual fee waiver)
  • Renewal Fee: Rs 750 ( First year free and then spend 60,000 in the second year to get annual fee waiver)

Benefits with Standard Chartered Super Value Titanium Credit Card

  • 5% cashback on fuel.
  • 5% cashback on telecom payments.
  • Get 5% cashback on all utility bill payments (electricity, gas and water bill payments).
  • 1 reward point per Rs 150 spent on all other categories.

Bonus Offer

  • Make the first transaction with your card and get 1000 additional reward points.
  • Get an additional 500 reward points on registering for online banking.
  • Get 20% cashback on Uber rides ( who spend more than Rs 8000 in a month through card). Maximum cashback limit is Rs 600 pm.

Feeling Awesome!!!!!! Wait a minute and first read the limits imposed by the bank.

Terms and conditions

  • The minimum transaction value should be Rs 750 for cash back eligibility.
  • The maximum cashback per transaction is Rs 100.
  • Maximum cashback for fuel and telecom transactions is Rs 200 p.m for each category.
  • The cashback limit for utility transactions is Rs 100 p.m.
  • Total cashback per month is Rs 500.

Let me simplify the calculation

If you spend more than the mentioned limit in a month, the excess amount will not be eligible for cashback

Reward Points Redemption Process

  • Reward points are redeemable only against only products, vouchers or services featured in platinum reward catalog.
  • Minimum 500 reward points required to redeem.

Check Your Eligibility

  • The applicant’s age should be between 21 and 65.
  • The applicant should have a stable monthly income. Due to these conditions, the salaried class applicant has more chances to get approval.
  • The applicant should belong to the credit card sourcing locations of the bank.

Documents Required

  • Identity Card
  • Address proof
  • 1 passport size photograph.
  • Salaried class- latest one month salary slip
  • Self Employed Businessmen- Latest IT return with the computation of income.
  • Self Employed Professionals – Latest IT return

Should you apply for Standard Chartered Super Value Titanium Credit Card?

Super Value Titanium Credit card is most beneficial for mediocre spender, whose total monthly spending lie between Rs 5,000 and Rs 10,000.

On spending Rs 5000 p.m, the annual fee will be waived off ( 5,000*12 = 60,000). Otherwise, you have to pay Rs 750 annual fee.

The amount spent above Rs 10,000 as per terms will not be eligible for cashback.

If your major expenses are on fuel telecom and utility bills & fit in the upper mentioned limit, then you should apply for super value titanium credit card.

Also check outAmerican express credit card review 

#3. Standard Chartered Manhattan Credit Card Review

I am using Standard Chartered Manhattan card for many years and I am in absolute love with it.

Why? Because Manhattan card is an all-rounder card for me.

I prefer to use Manhattan credit card because it gives me 5x reward points that I redeem for buying Amazon vouchers. The redemption process is just awesome on the standard chartered website.

To get 5% cashback on groceries that no other credit card offers in India. You can shop in superstores like Big Bazaar, Reliance, Easyday, and More.

Manhattan credit card has probably the best reward to cash ratio that I will explain in the detail, later in this article, look at the fees structure first.

Fees and Charges of Manhattan Card

  • Annual Fees – The card comes with joining fees of 499 and annual fees of 999.
  • Reward Handling Charges – Free for online vouchers that I prefer, Rs 99 will be charged shipping physical products.

Now look at the calculations how I get 1% of cashback after redemption.

  • 3 reward points for every 150 rupees spend.
  • If I spend 300,000 rupees then I receive 10,000 points.
  • I redeem 3 Amazon vouchers of Rs. 1000 with approx 10,000 points.
  • Total 3000 rupees after spending 3 lakh, means 1% of value.

Also, you can get 500 rupees every month from 5% cashback on groceries. Get 6000 just by grocery spend in a year. Not bad.

A single credit card can give you 10,000 worth of cashback every year if you use it carefully.

Understand some limits when shopping in supermarkets

  • 1000 rupees Minimum transaction to be eligible for cashback (It’s not a big amount if you are buying from a supermarket)
  • 150 cashback limit per transaction (Make multiple bills of 3000 if you are a heavy shopper)
  •  500 cashback limit per month

I never felt any issue with these limits as my spending is within 10,000 monthly bill on groceries. 

Once you start using your credit card for all kinds of transactions, the bank will waive off your annual fees.

You have to call their customer support to check if they can waive off your annual fees.

Eligibility for SC Manhattan Credit Card

Only salaried people should apply or someone who already owns a premium credit card in India.

You must have an excellent credit history.

Your income should be more than 50,000 per month and you can easily get this card approved.

In some special cases, you will get the card, even if you are not eligible

  • Apply card based on your other bank credit card. If you do not own any credit card then apply for ICICI credit card or HDFC credit card with the help of Fixed Deposit.
  • Apply card based on your life insurance.
  • If you are frequent traveler through Emirates Airlines
  • If you are holding any loan from Standard Chartered Bank


If you are applying for the first time then you should apply for Platinum Card. But if your monthly salary is above 50,000 and you already have a credit card from any bank, then apply for Manhattan Credit Card.

3 thoughts on “Top 3 Best Standard Chartered Credit Card in India 2022 Review”

  1. tapan kumar mohanta

    well all cards have same feature of swipe and buy items,
    one wierd thing or depending on your use could be a boon or curse.
    once the credit limit crosses, sc allows for extra purchase power but with a high fees.
    recently i was unaware of my expenses bought a high value item which crossed my credit limit. sc allowed but with a +5000rs limit cross they put a fee of 500rs and gst 100rs.
    however this will not happen in case of icici or hdfc. one cannot cross the limit and will show error while purchasing. also icici or hdfc have option of setting user choice limit to restrict excess expenses. this simple feature also sc doesnt have.

    1. Even ICICI and HDFC charges you rs.500 and 18% GST for crossing the limit. But the transaction won’t happen. Atleast, SC allows you to make the transaction.

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