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    Standard Chartered Manhattan World MasterCard

    This is a cashback credit card that is suitable for your daily expenses, shopping, dining, and other needs. The highlights of the card include:

    Card Highlights
    • Earn cashback of up to S$800 annually.
    • Annual fee waiver for the first year.
    • Transfer funds from your credit card at 0% interest rate.

    Best suited to: Those who want to earn cashback through their local and overseas transactions.

    Key Features

    Features Description
    Annual fee S$192.60 (annual fee waived for the first year)
    Cashback on qualifying retail transactions Up to S$800 (annually)

    Additional Benefits

    Fund Transfers:

    • With this option, you can make a fund transfer to any bank’s savings or current account.
    • You can make your credit card or loan payment from other banks.
    • Your tenure options will be 6 and 12 months.
    • You’ll be charged 0% interest rate for a 6-month tenure with a processing fee of 1.99% (Effective Interest Rate will be 4.12% p.a.).
    • You’ll be charged 0% interest rate for a 12-month tenure with a processing fee of 4.5% (Effective Interest Rate will be 4.86%p.a.).

    Recurring Payment Plan:

    With this plan, you’ll be able to combine all your bills into a single credit card payment on a monthly basis.

    The Good Life Privileges:

    Enjoy various card privileges and offers at more than 3,000 participating outlets in Asia. With this card, you’ll qualify for several benefits related to shopping, lifestyle, and travel.

    Mobile Payments:

    Pay your bills conveniently by just tapping your phone on any of the contactless sales terminals via Google Pay, Samsung Pay or Apple Pay.

    Tap-and-Pay Payment:

    With this feature, you can tap your Standard Chartered credit card at any contactless terminal and pay your bill. For transactions below S$100, your signature will not be required.

    CardSafe Guarantee:

    • When you use your credit card to make an online purchase, you’ll not be held liable for unapproved card transactions (terms and conditions apply).


    • You will be eligible for various promotional offers that are available with this credit card. Take a look at SCB credit card promotions.

    Earn Rewards

    You can earn cashback of up to S$800 a year by charging your qualifying transactions to your Standard Chartered MANHATTAN Platinum/World Mastercard. Take a look at a few more details below:

    • Depending on your statement date, your cashback amount will be determined on a monthly basis.
    • The cashback amount will be credited to your card account (principal cardholder) in the following month post your 3-month quarter cycle.
    • A quarter refers to 3 successive months and not a calendar quarter.
    • For every quarter, your cashback will be capped at S$200 (S$800 is the maximum for a year).
    • You can earn cashback on both your local and overseas purchases.

    For detailed terms and conditions, you can visit the bank’s official website.

    Take a Look at How a Quarter Cycle Starts:

    Your first statement date is 16 June 2018 (Your billing period will continue to be 16th of every month) Statement dates for the 1st quarter cycle Crediting of the cashback amount
    1st month - 16 June 2018 The cashback amount earned by you will be credited 1 month after every quarter: 16 September 2018 statement
    2nd month - 16 July 2018
    3rd month - 16 August 2018
    Statement dates for the 2nd quarter cycle Crediting of the cashback amount
    1st month - 16 September 2018 The cashback amount earned by you will be credited 1 month after every quarter: 16 December 2018 statement
    2nd month - 16 October 2018
    3rd month - 16 November 2018

    Cashback Tiers Versus Eligible Spends

    Total qualifying spend per month Cashback tier applicable for the month Cashback (maximum) you can earn and receive for a quarter
    Less than S$1,000 0.50% Cashback cap - S$200
    Between S$1,000 and S$2,999.99 1% Cashback cap - S$200
    S$3,000 and more 3% Cashback cap - S$200

    Let Us Illustrate:

    The table given below gives you a simple illustration of how much you need to spend in 3 months to earn a maximum cashback of S$200 within a quarter cycle:

    Qualifying Spend Amount Statement Date Cashback Tier (depending on qualifying spend) Cashback you Earn
    S$3,200 16 June 2018 Tier 3: 3% (S$3,000 and above) S$96
    S$2,500 16 July 2018 Tier 2: 1% (Between S$1,000 and S$2,999) S$25
    S$4,600 16 August 2018 Tier 3: 3% (S$3,000 and above) S$138
    Total cashback you earn for a period of 3 months S$200 (The actual cashback you’ve earned is S$259 but a cashback cap of S$200 is applicable)

    Interest Rate

    Type of Interest Charge
    Retail purchases 26.9% p.a.
    Cash advance 28% p.a.
    Instalment payment plan 0%

    Fees & Charges

    Type of charge Charge
    Overseas transaction fee
    • 2.5% administrative fee levied by the bank
    • 1% of the converted amount in SGD (Singapore dollar) levied by Mastercard
    • 1% dynamic currency conversion fee
    Late payment fee S$80
    Over-limit fee S$40
    Cash advance fee 6% of the withdrawn amount (minimum of S$15)

    Activating the Card for Overseas Use

    You need to activate your credit card for overseas usage as part of the bank’s security measures. You can enable or disable overseas usage on your card in the following ways:

    • Via sending an SMS to the bank.
    • Via the bank’s official website (Online banking).
    • Via Standard Chartered mobile banking application.

    Instalment Payment Plans

    0% Interest Instalment Plan:

    • With this plan, you can pay for your purchases in instalments at 0% interest rate (at participating merchants only).
    • You can choose a tenure of up to 36 months.
    • You will continue to earn cashback for all transactions made via this instalment plan.
    • You need to ask for this plan at any of the qualifying merchants’ outlets and let them know that you want to convert your purchase into instalments before you charge the transaction to your credit card.


    • Pay for your local and overseas purchases involving shopping, education, travel, insurance premiums and taxes through interest-free instalments.
    • To qualify for this plan, you need to charge at least S$500 to your credit card in a single transaction.
    • You can apply for this plan through online banking. In case you don’t have an online banking account, you can apply through the bank’s official website. You can also apply by calling the 24/7 phone banking team.
    • You have 2 instalment periods to choose from – 6 months and 12 months. Also, a service fee (one-time) of 5% will be applicable.

    Cash Withdrawal on UOB Delight Card

    Your cash withdrawal limit will depend on the available credit limit on your card. For more information, you can call the 24-hour hotline number.

    SCB Manhattan World MasterCard Eligibility

    To know if you’re eligible for this card or not, go to our Standard Chartered credit cards page.

    Lost/Stolen Cards

    In case your credit card pin has been revealed to a third party, or your card is lost or stolen, you need to intimate the bank authorities immediately by calling the hotline number. For any unapproved transaction that happened before you notified the bank about the loss of your card, your liability will be restricted to S$100, provided:

    • You notified the bank about the loss of your card immediately (in writing).
    • You help the bank in recovering any kind of unapproved charges that have incurred.
    • You need to file a police report and provide a copy of the report to the bank and any other details the bank requires.
    • The bank is convinced that the theft, loss of your card, or disclosure of your card’s PIN is not because of your negligence.
    Browse through the BankBazaar Singapore website and find out more on cards. You will find a list of credit cards carefully categorised according to each spend category. Not only this, you can also compare between cards and read about the terms and conditions.
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    MANHATTAN World MasterCard Reviews

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