SC MANHATTAN $500 Card

    The SC MANHATTAN $500 Card can get you into the most popular clubs, exclusive deals, offers and promotions and rebates on all your purchases.

    Standard Chartered S$500 Manhattan Card Promotion

    • Uber Promotion: Enjoy cashbacks of up to 20% on your Uber Rides with your Standard Chartered Credit Card. You can earn a maximum cashback of S$50 a month with a minimum monthly expenditure of S$600. The offer is valid till 30 September 2017.
    • Sign Up Promotion: Apply for the S$500 Credit Card and receive a cashback of S$138 by charging at least 3 retail transactions within the first 60 days of receiving your credit card. The offer is valid till 30 September 2017.
    • Hotels.com: Enjoy flat 12% off on your hotel bookings when you use your Standard Chartered Credit Card on Hotels.com. The offer is valid on travel till 31 May 2018 for bookings made till 28 February 2018. In order to use the offer, you are required to enter the Promo Code: SCBSG12.

    Features of the SC MANHATTAN $500 Card

    • Enjoy annual fee waiver for the first year.
    • The card has a credit limit of S$500.
    • This credit card is meant for working adults earning less than S$30,000 p.a.


    • What you get – 0.25% cashback on all purchases.
    • How to redeem – Use this credit card to pay for all retail purchases such as dining, shopping, paying bills etc.
    • Charges and details – Cashback will be awarded on a monthly basis. Cashback will not be applicable for paying fees and charges on the credit card such as annual fees, instalment payments etc.

    Benefits of the SC MANHATTAN $500 Card

    If you have been using the SC MANHATTAN $500 Card for a while now but you have started earning more than S$30,000 p.a. you can switch to a MANHATTAN World MasterCard that offers extended benefits and deals with just a phone call. You can call the bank on the number provided on the SC MANHATTAN $500 Card webpage of the official Standard Chartered Singapore website and the bank will send you the application form. You simply have to complete the form, attach the required documents and mail it back to the bank. Once, your application is approved, the bank will send you your new MANHATTAN World MasterCard.

    To make the transition even more convenient for you, the bank will make sure that your old SC MANHATTAN $500 Card will share the combined credit limit as your new MANHATTAN World MasterCard which is up to 2X your monthly income. Although this is an option, Standard Chartered encourages cardmembers to cancel their old MANHATTAN $500 when they apply for the MANHATTAN World MasterCard.

    Fees and Charges

    Type of fee Amount payable
    Annual fee S$32.10 (First year fee waived)
    Interest rate 24.455% p.a.
    Late payment charges S$60
    Overlimit fee S$40
    Returned Cheque/GIRO S$50

    Transactions in foreign currencies

    • All foreign currency transactions made in USD (US Dollar) will be converted into SGD (Singapore Dollar).
    • For all foreign currency transactions other than USD, the transaction will first be converted into USD and then into SGD. All such transactions are subject to a conversion rate determined by the card association. The conversion rate will be applicable on the date the transaction is processed and not on the date it was first made.
    • For all foreign currency transactions, 1% prevailing charge will be imposed by MasterCard on the converted SGD amount + 2.5% prevailing fee on the converted SGD amount.
    • DCC or Dynamic Currency Conversion – A prevailing charge of 0.8% will be applicable on the transaction amount on all foreign currency transactions converted through DCC. This charge is imposed by MasterCard.
    • For all SGD transactions that are processed overseas, MasterCard imposes a prevailing charge of 0.8% of the transaction amount.

    How to apply for the SC MANHATTAN $500 Card

    To apply for this credit card, visit the SC MANHATTAN $500 Card webpage of the official Standard Chartered Singapore website. You will find the “Apply Now” option on the page. Click on this option and download the application form. Fill in the necessary details, attach the requested documents and mail the completed application form to the bank.

    Eligibility Criteria for the SC MANHATTAN $500 Card

    • Only Singapore citizens and Permanent Residents are eligible to apply for this card.
    • Applicants must be students or working adults who are also tertiary graduates.
    • Students must be studying at the following educational institutions only: NUS, NTU, SIM or University of Chicago Graduate School of Business (Asia Campus).
    • Minimum age: 18 years.
    • Maximum age: 32 years.
    • Minimum income: S$18,000 p.a. (annual income should not exceed S$30,000).

    Documents Required

    • Students:
      • Front and back copy of NRIC AND
      • If younger than 21 years, a front and back copy of parent’s/legal guardian’s NRIC + the same parent/legal guardian must sign the application form AND
      • A front and back copy of Student Identity Card, Student Card or Matriculation Card.
    • Working adults who are also tertiary graduates:
      • Front and back copy of NRIC AND
      • Last month’s/current month’s computerized payslip (applicable for regular income earners) OR
      • Last 3 months computerized payslips (applicable for commission based earners) OR
      • Last 6 months CPF Statements OR
      • Previous year’s/current year’s Income Tax NOA (Notice of Assessment).
    • Self-employed who are also a tertiary graduates:
      • Front and back copy of NRIC AND
      • Previous year’s/current year’s Income Tax NOA (Notice of Assessment).
      • The self-employed applicant must be in business for at least 2 years.

    Interest on the SC MANHATTAN $500 Card

    The Effective Interest Rate or EIR on the SC MANHATTAN $500 Card is 24.455% p.a. This interest rate will be applied on your credit card balance if you do not make the full payment on your outstanding balance by your payment due date. This finance charge will be calculated daily at 0.067% on your outstanding balance from your statement date.

    The interest will be calculated starting from the transaction date and until the payment is made in full. The repayment grace period on this credit card is 22 days from your statement date and only applicable if you pay the outstanding balance in full. This interest free credit will not be applicable on partial payments on the minimum amount due.


    The minimum repayment per month on the SC MANHATTAN $500 Card is S$50 OR:

    • 1% of the principal outstanding amount +
    • Interest +
    • Other fees and charges +
    • Overlimit amount (if any) +
    • Past due amount (if any).

    If you do not pay the minimum due amount by your payment due date, a late payment charge of S$60 will be applicable. If the minimum due amount is not paid by the next statement cycle, the interest rate on this credit card will be adjusted to 28% p.a. Once you start making timely payments on your minimum due amount by your payment due date, the interest rate will be reverted to 24.455% p.a.

    Lost/stolen card liability

    You will be liable for all unauthorized or fraudulent transactions made on your credit card before you notify Standard Chartered Bank regarding the loss or theft of your card or if your PIN has been disclosed to a third party. The maximum liability on such transactions is S$100 provided you notify the bank immediately.

    Card Protection Schemes: CardSafe Guarantee

    CardSafe Guarantee is only applicable on unauthorized online transactions:

    • SMS Alerts – The bank will send you an SMS every time a transaction is made using your credit card. You will also have the option to set a pre-set limit where the bank will send you a message whenever a transaction exceeds that limit. You will have to sign up for SMS Alerts online.
    • OTP (3-D Secure) Transactions for online purchases – An OTP or a One-Time Password will be sent to your registered mobile number to complete online transactions at 3-D Secure merchant establishments.
    • 24 hour protection – The bank has a fraud detection system which watches for any suspicious activity on your credit card round the clock. In case of detection of any suspicious activity, the bank will contact you for verification.

    Reporting lost/stolen credit card

    If you have lost your SC MANHATTAN $500 Card or it has been stolen, you must notify Bank immediately by phoning their 24 Hour Client Contact Centre standard chartered credit card hotline number. This number is available on the application form for this credit card. You can find a link to download this application form on the SC MANHATTAN $500 Card webpage of the official Standard Chartered Singapore website. 

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