Standard Chartered India Manhattan Credit Card

Charge

• Annualized Percentage Rate (w.e.f. 1 May 2021): Monthly interest 3.75% pm (APR 45%).
• Instant credit card variants 1.99% pm (APR 23.88%).
• Cash transactions 3.75% pm (APR 45%).
• Late Payment Charges (w.e.f. 1 May 2024): ₹0 (outstanding <= ₹100), ₹100 (₹101-500), ₹500 (₹501-5,000), ₹700 (₹5,001-10,000), ₹1200 (> ₹10,000).
• Additional ₹100 late fee if Minimum Amount Due not received for 2 or more consecutive months.
• Cheque Bounce Charges ₹500.
• Over Limit Charges ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
• Card Replacement Fee NIL.
• Rewards Handling Charges ₹99.
• Cash Advance Fee 3% of cash withdrawal amount (minimum ₹300).
• Overseas Transactions 3.5% transaction fee (except Ultimate Card 2%).
• Merchants registered overseas attract 1% from Visa/MasterCard.
• Surcharges: Railway ₹25 or 2.5% (whichever higher), Petrol ₹10 or 1% (whichever higher).
• Rental payments (w.e.f. 2 April 2023): 1% processing fee on transaction amount + applicable taxes.
• GST at applicable rates.
• Cheque/Cash Pick up Fee ₹100 (overdue accounts).
• Cash Repayment Fee ₹299 for cash bill payment at any SCB branch.
• Paper Statement ₹99 per month (if customer opts for both paper and electronic statement).
• Branch Service Handling Charges ₹199 for service requests at branch.
• Phone Banking Self Service IVR calls FREE.

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Interest-free period

• The Payment Due Date can be between 18 and 25 days after the Statement Date.
• Interest-free credit period can range from 18-48 days to 25-55 days depending on your Payment Due Date.
• The interest-free period does not apply for cash advances and revolving balances.

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Fuel surcharge waiver

Fuel surcharge: ₹10 or 1% of transaction (whichever is higher) on Petrol transactions (rate of surcharge may vary depending on acquiring bank).

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Redemption value

• Cashback redemption: minimum cashback balance of ₹1500 required to proceed with redemption.
• Cashback can be redeemed only in multiples of ₹500 (i.e. ₹1500, ₹2000, ₹2500 etc).
• Reward points redeemable only against products, vouchers or services featured in the rewards catalogue.
• Rewards Handling Charges ₹99 for redemption of reward points.

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Reward cap

• Cashback applicable on minimum transaction of ₹1000.
• Maximum cashback of ₹500 every statement cycle and of ₹150 per transaction per statement cycle for all card(s) owned by the customer inclusive of any supplementary card(s).
• Minimum 500 points required to place a rewards redemption request.

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Reward exclusion

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Eligibility

• The issue of Credit Card and assignment of Credit limit is subject to application satisfying the Bank's credit cards norms and other guidelines.
• Subject to documents being complete and accurate, it should take approximately 9 days to get your credit card approved.

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