Reliance SBI vs Standard Chartered Manhattan Platinum
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Reliance SBI Credit Card wins 2 of 8 dimensions with a CardTrail Score of 6.7/10 vs 7.3/10.
| Feature | Reliance SBI | Standard Chartered Manhattan Platinum |
|---|---|---|
| CardTrail Score | 6.7/10 | 7.3/10 |
| Annual Fee | ₹499 | ₹999 |
| Base Reward Rate | 1.25% | 1% |
| Max Reward Rate | 2.5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
When to Choose Reliance SBI
- You can meet the fee waiver condition: Annual fee waiver on spends of Rs. 1 Lakh
- Your primary spend is: shopping, cashback
When to Choose Standard Chartered Manhattan Platinum
- You can meet the fee waiver condition: Spend ₹1.2L/year
- You want higher rewards — up to 5% vs 2.5%
- Your primary spend is: cashback, shopping
Annual Fee Value Analysis
To break even on Reliance SBI's ₹499 fee at 1.25% rewards, spend ₹3,327/month.
To break even on Standard Chartered Manhattan Platinum's ₹999 fee at 1% rewards, spend ₹8,325/month.