Skip to main content

Axis Bank Cashback Credit Card VS Standard Chartered Manhattan Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Axis Bank Cashback Credit Card
Axis Bank Cashback Credit Card
Standard Chartered Manhattan Credit Card
Standard Chartered Manhattan Credit Card

Fees & Charges

Joining Fee
₹1,000 + GST
₹999 + GST
Renewal Fee
₹1,000 + GST
₹999 + GST
Spend Based Waiver
Annual fee waived on spends of ₹4,00,000 and above in an anniversary year.
Renewal fee waived if you spend Rs. 1,20,000 or more in the preceding year.
Foreign Transaction Fees
3.50% of transaction value on International Non-DCC Transactions; 1.5% + taxes on DCC.
3.5% on all overseas transactions.
Interest Rate (APR)
3.75% per month (equivalent to 55.55% annually) for finance charges.
3.75% per month (equivalent to 45% per annum).

Rewards & Benefits

Welcome Bonus
Enjoy 5,000 EDGE Reward Points worth ₹1,000 upon making the first transaction within 30 days.
Get 5,000 Bonus Reward Points upon successfully settling the joining fee of the card.
Rewards Rate
Up to 7% cashback on online spends, 0.75% on offline/travel, and 0.5% on utility payments.
Earn 5% cashback on groceries, departmental stores & supermarkets; 3 Reward Points per Rs. 150 on others.
Reward Type
Cashback
Reward Points & Cashback
Reward Redemption Fee
Not Applicable.
Rs. 99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
Unlimited 0.75% base cashback on all offline and travel-related expenditures.
Movie Benefits
Not Applicable
Dining Benefits
Get 20% instant discount (up to ₹800) on EazyDiner once monthly with min transaction of ₹2,500.
Access to fabulous dining, shopping, and lifestyle privileges all year-round.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
No fuel surcharge waiver facility is applicable; any surcharge levied by merchant will not be reversed.
1% fuel surcharge applicable on all fuel transactions, subject to a minimum of Rs. 10.

Security & Other

Insurance Benefits
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹500.
3% of the amount withdrawn or Rs. 300, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Cashback Credit Card

Standard Chartered Manhattan Credit Card

Who is it for?

The Axis Bank Cashback Credit Card is designed for individuals seeking straightforward cashback rewards on their spending, making it an ideal choice for savvy shoppers. This card focuses on maximizing savings on everyday and online transactions through various cashback options and exclusive discounts. While it features a joining and renewal fee of ₹1,000 plus GST, it also offers an annual fee waiver on achieving a specific spend threshold, making it a valuable tool for those looking to be consistently rewarded for their purchases and dining experiences.

Who is it for?

The Standard Chartered Manhattan Credit Card is an affordable card offering significant savings. It provides an assured 5% cashback on groceries, supermarkets, and departmental stores, along with 3 reward points for every Rs. 150 spent on other purchases. New cardholders receive 5,000 welcome Reward Points. This card is ideal for individuals seeking attractive cashback on daily essentials and a nominal fee structure with a spend-based waiver option.

Pros

Key benefits and features.

Highly attractive cashback rates on online spending, tiered up to 7%.

Unlimited 0.75% cashback on all offline and travel-related expenditures.

Seamless automatic cashback redemption directly credited to statement, no minimum required.

Valuable dining benefits via Axis Bank Dining Delights Program and EazyDiner discounts.

Pros

Key benefits and features.

Nominal joining and renewal fees make it an affordable credit card option.

Significant 5% cashback on daily essential spends like groceries and supermarkets.

Earns 3 Reward Points for every Rs. 150 spent on other purchases.

Generous welcome benefit of 5,000 Reward Points upon joining the card.

Renewal fee waiver available on annual spend of Rs. 1,20,000 or more.

Cons

Key drawbacks and limitations.

The card incurs a joining and annual fee of ₹1,000 plus GST.

The annual fee waiver demands a relatively high annual spend of ₹4,00,000.

This card unfortunately does not provide any fuel surcharge waiver facility.

Lacks premium travel perks such as complimentary lounge access.

Higher interest rate compared to some other credit products.

Cons

Key drawbacks and limitations.

Lacks specific benefits for movies and dining, despite year-round offers.

No specific travel benefits, lounge access, or insurance covers are provided.

High foreign currency markup of 3.5% on all international transactions.

A 1% fuel surcharge is applicable on all fuel transactions.

A redemption fee of Rs. 99 is charged per reward redemption request.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.