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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.
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Last updated: 17 July 2026

Both Axis Bank Cashback Credit Card and Standard Chartered Manhattan Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank Cashback Credit Card costs ₹1,000 + GST and earns up to 7% cashback on online spends, 0.75% on offline/travel, and 0.5% on utility payments. Standard Chartered Manhattan Credit Card costs ₹999 + GST and earns 5% cashback on groceries, departmental stores & supermarkets; 3 Reward Points per Rs. 150 on others. Axis Bank Cashback Credit Card also brings enjoy 5,000 EDGE Reward Points worth ₹1,000 upon making the first transaction within 30 days, while Standard Chartered Manhattan Credit Card counters with get 5,000 Bonus Reward Points upon successfully settling the joining fee of the card. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹999 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹999 + GST
Spend Based WaiverAnnual fee waiver on spends of ₹4,00,000 and above in an anniversary year.
Spend Based WaiverRenewal fee waived if you spend Rs. 1,20,000 or more in the preceding year.
Foreign Transaction Fees3.50% of the transaction value
Foreign Transaction Fees3.5% on all overseas transactions.
Interest Rate (APR)3.75% per month (55.55% Annual)
Interest Rate (APR)3.75% per month (equivalent to 45% per annum).

Rewards & Benefits

Welcome BonusEnjoy 5,000 EDGE Reward Points worth ₹1,000 upon making the first transaction within 30 days.
Welcome BonusGet 5,000 Bonus Reward Points upon successfully settling the joining fee of the card.
Rewards RateUp to 7% cashback on online spends; unlimited 0.75% on offline & travel; 0.5% on utilities.
Rewards RateEarn 5% cashback on groceries, departmental stores & supermarkets; 3 Reward Points per Rs. 150 on others.
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward Redemption Fee
Reward Redemption FeeRs. 99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsUnlimited 0.75% cashback on travel-related spends.
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsInstant discount of 25% up to ₹800 on EazyDiner once every month.
Dining BenefitsAccess to fabulous dining, shopping, and lifestyle privileges all year-round.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% of transaction amount (refund not applicable). No fuel surcharge waiver.
Fuel Surcharge Waiver1% fuel surcharge applicable on all fuel transactions, subject to a minimum of Rs. 10.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the cash amount (Minimum ₹500)
Cash Advance Charges3% of the amount withdrawn or Rs. 300, whichever is higher.
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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 a mid-range offering designed for individuals who prioritize straightforward cashback benefits, especially on online and everyday spending. It provides up to 7% cashback on online transactions and an unlimited 0.75% on offline and travel expenditures. With automatic cashback redemption and flexible eligibility, it's a hassle-free option for savvy shoppers looking to maximize savings.

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.

Offers unlimited 0.75% cashback on all offline and travel spending.

Provides high cashback rates of up to 7% on online purchases.

Flexible eligibility criteria make this card accessible to many applicants.

Automatic cashback redemption process simplifies rewards management.

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 does not offer a fuel surcharge waiver.

The spend threshold for the annual fee waiver is set quite high at ₹4 lakh.

Lacks premium features like complimentary airport lounge access or golf benefits.

Various transaction fees apply for rent, wallet load, fuel, education, and utilities.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Cashback Credit Card(opens in new tab)Apply for Standard Chartered Manhattan Credit Card(opens in new tab)