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    Standard Chartered MANHATTAN S$500 Credit Card

    This Standard Chartered card is ideal for students and young professionals who love to shop. The key highlights of the card are:

    • A credit limit of up to S$500.
    • Annual fee waiver for the first year.
    • 0.25% cashback on every S$1 you spend on retail purchases.
    • 20% cashback on Grab fares anywhere in the world (monthly cap – S$30), until 31 July 2018.

    Best suited to: Undergraduates and first-time jobbers who want to earn cashback for every dollar they spend.

    Key Features

    Feature Description
    Annual fee S$32.1 (Waived for the first year)
    Cashback on eligible retail spend 0.25% for every S$1
    Complimentary travel insurance NA

    Additional Benefits

    • Link your card to one of the many mobile payment apps available to you and make payments in a fast and convenient manner.
    • Use the contactless payment feature of your card to make superfast payments at POS terminals.
    • With CardSafe Guarantee, you can make your online payments with your card more secure. You won’t be held liable for unauthorised online transactions conducted with your card.
    • You can take part in many of the promotions run by the bank from time to time. Check our dedicated page to stay updated.

    Earning Rewards?

    • Earn 0.25% cashback on every dollar you spend on retail purchases.
    • Cashback won’t be offered on payment of credit card fees and bills.
    • There is no limit on how much cashback you can earn.

    Let Us Illustrate:

    Say you make a total charge of S$500 to your card per month on an average. Let us see the amount of cashback you may earn:

    Spend Categories Monthly Spend Cashback Rate Cashback Amount
    Dining S$150 0.25% S$0.375
    Grocery S$200 0.25% S$0.5
    Online spend S$100 0.25% S$0.25
    Other retail purchases S$50 0.25% S$0.125
    Total S$500 S$1.25

    Complimentary Insurance Coverage

    • CardSafe Guarantee provides protection from liability against unauthorised transactions made online.
    • Inform the bank of any discrepancies or unauthorised transactions, if any, that you may have detected on your monthly statement within 14 days from the date of generation of statement.
    • The bank also gives:
      • SMS alerts for every transaction.
      • One-time password for transactions at 3-D secure merchants.

    Interest Rates

    Type of Interest Charge
    Retail purchases 26.9% p.a.
    Cash advance 0.077% per day
    Instalment payment plan 0%

    Other Fee and Charges

    Type of Charge Charge
    Overseas transaction fee 3.5% (2.5% bank administrative charge and 1% 1% Mastercard) 1% for dynamic currency conversion
    Late payment fee S$80
    Over limit fee S$40
    Cash advance fee 6% of the amount withdrawn (min. S$15)

    Activating the Card for Overseas Expenses

    For security reasons, you’re expected to activate the magnetic stripe of your card before every overseas trip and deactivate it on return. You can activate or deactivate this feature of your card by doing one of the following:

    • Send an SMS to the bank.
    • Visit a Standard Chartered Branch.
    • Use online banking or the bank’s website.

    Instalment Payment Plans Available

    • 0% Interest Instalment Plan: This no-interest instalment payment plan can be used to pay off retail purchases in monthly instalments without paying additional charges for subscription. You can stretch your payment up to 36 months. You’ll continue to earn cashback and rewards on any purchase made with this plan and other transactions associated with this policy. Ask a participating merchant about this plan before charging a transaction to your Standard Chartered Manhattan S$500 card.
    • EasyPay: Pay easily with this interest-free instalment plan. You can choose from 6 or 12 monthly instalments to settle a retail purchase made using this plan. This plan can be used to pay for your taxes, insurance premiums, shopping bills, travel bills, education expenses, and more. Charge a minimum amount of S$500 to your card in a single transaction to be eligible for this plan. You’ll have to pay a one-time processing fee of 5%. You can apply with your online banking credentials or give a missed call to the bank’s hotline number.

    Cash Withdrawal on the Credit Card

    Your cash withdrawal or cash advance limit will depend on your credit limit and on the discretion of the bank. You may be charged cash advance fees on a per transaction basis. For more information on cash withdrawal limits, contact your bank today.

    Eligibility Criteria

    Check the qualifying parameters for this card on our Standard Chartered credit cards page before applying for it.

    Lost/Stolen Cards

    If your card is lost or stolen, you’re expected to notify the bank immediately. Once you have intimated your bank, you’ll not be held liable for any unauthorised use of your card. For unauthorised transactions carried out before you reported the incident to the bank, your liability will be limited to S$100, provided:

    • You assist the bank with investigation and recovery of the unauthorised charges incurred.
    • You provide a copy of the police report, a statutory description of the incident with full disclosure, and any other information that the bank requires.
    • It is established through investigation that you weren’t responsible for the loss of your card in any way, you actions didn’t amount to gross negligence, or you weren’t complicit in the crime.

    Whether you’re in Singapore or overseas, you should call the hotline numbers of the bank immediately to notify the bank of your loss.

    This card is ideal for college students and young working professionals who are still learning the ropes on financial management and planning. With a credit limit apt for your income level and basic needs, this card teaches you to be a responsible spender and incentivises you in the form of cashback.

    Credit cards are classified into different types based on the spend category. When you want to choose the best from 7 types of credit cards, you need to analyse your spending pattern first. Later, you can use our website to go through the top credit cards in each category.

    Credit Card Tips


    SCB Spree Credit Card SCB Spree Credit Card
    Annual Fee: S$192.60 (2-year waiver) Who Is It For: Passionately spend online What You Get: 3% cashback for online spends
    Show Me Details


    DBS Live Fresh Student Card DBS Live Fresh Student Card
    Annual Fee: S$128.40 (5-year waiver) Who Is It For: Students What You Get: 0.3% cashback on online spends
    Show Me Details


    OCBC 365 Credit Card OCBC 365 Credit Card
    Annual Fee: S$192.60 (2-year waiver) Who Is It For: Who love dining and shopping What You Get: Up to 6% cashback on dining
    Show Me Details

    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Via ACH direct debit or GIRO arrangement

    You must enable the Direct Debit Instructions (GIRO or ACH direct debit) for providing standing instructions on your credit card payments. You can enable this service in the following ways:

    • Fill a direct debit authorisation form provided by the billing organisation or bank.
    • Send it to your billing organisation for approval.

    You can cancel the auto debit arrangement by contacting the bank or your billing organisation.

    How to Apply for the Card & Check the Application Status

    At bank branch/on the bank’s site

    Apply for this credit card on the bank’s website or visit the branch. You can call the bank’s customer service hotline to see where your application stands.

    How to Check Balance

    Customer care number, or SMS/online/mobile banking

    In order to check your credit card balance, you can use:

    • SMS Banking
    • Mobile Banking
    • Online Banking
    • Call 24x7 customer support number

    How Can the Bill Be Paid?

    AXS/GIRO/cash/internet banking and others

    There are various methods to pay the bill, and they are listed below:

    • AXS Stations
    • Interbank GIRO
    • Cash Deposit Machines
    • Online and Phone banking
    • Any Standard Chartered ATMs
    • Cash payment at teller counters
    • Express Cheque Deposit boxes

    How Much Is the Minimum Payment to Be Made on the Card?

    S$50 or 1% of the bill plus finance charges

    The minimum monthly payment amount on your Standard Chartered credit card is 1% of the principal amount, plus interest and other finance charges, or S$50 (whichever is higher).

    What Is the Grace Period?

    22 days

    An interest-free period or grace period is applicable only if you choose to pay your bill in full payment instead of partial payment. You get 22 days during which you will not have to pay any interest on the transactions.

    Which Mobile Wallets Can This Card Be Used With?

    Google Pay/Android Pay/Apple Pay/Samsung Pay/PayNow

    You can link your MANHATTAN $500 Card to the following mobile wallets to make contactless payments:

    • PayNow
    • Apple Pay
    • Google Pay
    • Android Pay
    • Samsung Pay

    How to Block or Unblock the Card

    Call the hotline

    You can block or unblock your card by calling the bank’s customer service hotline.

    How to Reset the PIN

    ATM/online banking/hotline

    You can reset your credit card’s PIN by:

    • Online Banking
    • Calling the bank’s hotline
    • Visiting Standard Chartered ATM

    What Is the Billing Cycle and the Bill Due Date?

    Check the card statement

    Your billing cycle depends on your card approval date and the number of business days in a particular month. The bill is generated once in a month and its statement will be sent to you. If you have multiple Standard Chartered credit cards, the bank will consolidate all your bills to one. The payment due date will be given on the monthly statement.

    How to Get a Replacement Card

    Call customer service hotline

    If you lose your card or if it is stolen or if the PIN is disclosed, you can request the bank to issue a replacement card to you. You can do so by calling the bank’s customer service hotline.

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