If I forget to make my payment in time, will there be any charges?

We strongly urge you to make your payment by the “payment due date” stated in your monthly credit card statement. This is to ensure good credit behaviour and it helps you to manage your spending accordingly. We have multiple payment channels for you to make prompt payments—via cheques, Interbank GIRO, Standard Chartered online banking, cash deposit machines at Standard Chartered branches and over 450 AXS stations islandwide. If not, a late fee of $80 and interest rate charges of 25.9% per annum will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.

If I would like to hang on to my MANHATTAN Card, as well as a regular credit card, will my card features, such as credit limit, still be the same?

Unfortunately you will not be able to hold both the MANHATTAN Card and a regular credit card. You are required to cancel your MANHATTAN Card before applying for a new credit card.

I have held the MANHATTAN Card for a while but now I earn $30,000 p.a. Can I apply for a regular credit card with a higher credit limit?

Yes, you can apply for a regular credit card with a higher credit limit if you are earning at least S$30,000 per annum.

How do I pay my credit card(s) online?

You can make payment to your Standard Chartered Credit Card bills via immediate, future transfer or scheduled payment mode.

Should I pay for my credit card bill in full every month? Or can I pay the minimum due amount and “roll over” my payments (i.e. “snowball” to the next month)?

Yes, we strongly urge you to pay for your purchases in full each month! This ensures that you don’t overspend. We do not encourage you to pay only the minimum amount due (at 3% of the new balance or $50, whichever is greater) as there is an interest rate charge of 25.99% p.a. (or a daily interest rate of 0.071%) on the outstanding balance.

MANHATTAN $500 Card

This is to inform that by clicking on the hyperlink, you will be leaving sc.com/sg and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/sg

Proceed

For the Undergrads or first jobbers

A card that lets you hang loose with a cool $500 credit limit

¹CashBack is awarded monthly and reflected on your monthly statements. CashBack is applicable only for retail spending and is not awarded on payment for annual fees, late fees and such other similar forms of payment. The Bank reserves the right to amend any terms of the CashBack, including its percentage, at its sole discretion without notice.

Cashback on all your spends

Earn 0.25% cashback¹ on everything you spend. The more you spend, the more cashback you will receive.
Additional Info
Annual Fee Waiver

For you, we’ve waived the annual fee for the first year.

Students

Age
- 18 to 32 years old
Documents Required
- Copy of NRIC/Passport
- Copy of your Student ID (for applicants below 21 years old, pls provide with your parent’s or guardian’s signature)
- Copy of your parent’s or guardian NRIC/Passport

Working adults

Age
- 18 to 32 years old
Minimum Annual Income
- $18,000 and above
Documents Required
- Copy of NRIC/Passport
For salaried (any of the following):
- Latest month computerised payslip
- Latest 6 months CPF Contribution History Statement
- Latest Income Tax Notice of Assessment + latest month computerised payslip/6 months CPF contribution
For self-employed
- Copy of latest income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
- Latest 3 months payslip + Latest income tax notice of assessment
- Latest 6 months CPF contribution history statement
- Latest 3 months payslip
- Copy of latest income tax notice of assessment ( For 100% commission earner)
Refer to application form for details

DETAILS	CHARGES
Annual Fees	S$32.70 (including 9% GST) from 1 January 2024 This annual fee is waived off for the first year.
Finance Charges	Effective Interest Rate (“EIR”): 27.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.
Cash Advance	Your cash advance fee per transaction is 8% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment.
Late Payment Charges	A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.
For more details on all other applicable fees and charges, please click here.

Important Documents

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:

ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here

If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000.

Free Credit Report

If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website or at their registered office. You will need the following documents to obtain the free credit report:

Card carrier that comes with your credit card.
NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg

*Note: The free credit report is not available for renewed or replaced cards.

–

What is my credit limit?

$500.
If I forget to make my payment in time, will there be any charges?

We strongly urge you to make your payment by the “payment due date” stated in your monthly credit card statement. This is to ensure good credit behaviour and it helps you to manage your spending accordingly. We have multiple payment channels for you to make prompt payments—via cheques, Interbank GIRO, Standard Chartered online banking, cash deposit machines at Standard Chartered branches and over 450 AXS stations islandwide. If not, a late fee of $80 and interest rate charges of 25.9% per annum will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.
If I would like to hang on to my MANHATTAN Card, as well as a regular credit card, will my card features, such as credit limit, still be the same?

Unfortunately you will not be able to hold both the MANHATTAN Card and a regular credit card. You are required to cancel your MANHATTAN Card before applying for a new credit card.
I have held the MANHATTAN Card for a while but now I earn $30,000 p.a. Can I apply for a regular credit card with a higher credit limit?

Yes, you can apply for a regular credit card with a higher credit limit if you are earning at least S$30,000 per annum.
How do I pay my credit card(s) online?

You can make payment to your Standard Chartered Credit Card bills via immediate, future transfer or scheduled payment mode.

Should I pay for my credit card bill in full every month? Or can I pay the minimum due amount and “roll over” my payments (i.e. “snowball” to the next month)?

Yes, we strongly urge you to pay for your purchases in full each month! This ensures that you don’t overspend. We do not encourage you to pay only the minimum amount due (at 3% of the new balance or $50, whichever is greater) as there is an interest rate charge of 25.99% p.a. (or a daily interest rate of 0.071%) on the outstanding balance.
Have other questions?

Click here for more FAQs.

¹Cashback Terms and Conditions

How can we help you today?

What kind of loan are you looking for?

Thanks for your interest. We no longer offer MANHATTAN $500 Card.

For the Undergrads or first jobbers

Cashback on all your spends

Annual Fee Waiver

Eligibility & Documents

Students

Working adults

Fees & Charges

Get a one-time cashback of up to S$65 as a new customer at any of our participating OEM retailers.

FAQs

Terms & Conditions

How can we help you today?

What kind of loan are you looking for?

Thanks for your interest. We no longer offer MANHATTAN $500 Card.

For the Undergrads or first jobbers

Cashback on all your spends

Annual Fee Waiver

Eligibility & Documents

Students

Working adults

Fees & Charges

Get a one-time cashback of up to S$65 as a new customer at any of our participating OEM retailers.

FAQs

Terms & Conditions

Related Links

Supplementary Card Application Form

Unlimited Cashback Credit Card

MANHATTAN Platinum/ World Mastercard®