1. The MANHATTAN Platinum and MANHATTAN World Mastercard® Credit Card (each a “MANHATTAN Card” and collectively, the “MANHATTAN Cards”) gives you up to 3% cashback (“MANHATTAN Cashback”) when you (including your supplementary cardholder(s) on your MANHATTAN Card account) use the MANHATTAN Card in the manner specified in this section.

2. To be eligible for the MANHATTAN Cashback in a given statement cycle month, you must successfully charge a minimum of $0.01, $1,000 or $3,000 (“Minimum Tiered MANHATTAN Monthly Spend”) in that same month (as defined in Clause 8 below) on Qualifying MANHATTAN Transactions (as defined in Clause 5 below) to enjoy a tiered MANHATTAN Cashback rate as set out in the table below.

 Minimum Tiered MANHATTAN Monthly Spend

3. The Minimum Tiered MANHATTAN Monthly Spend amount is calculated based on the total retail transactions which exclude those transactions listed in Clause 5 below (“Qualifying MANHATTAN Transactions”) made on your MANHATTAN Card based on the date such purchases are posted to your MANHATTAN Card account in a month (as defined in Clause 8 below). For the avoidance of doubt, the date the transaction is charged may not be the same as the date the transaction is posted due to factors including but not limited to processing time and differences in time zones (where applicable). For clarity, Qualifying MANHATTAN Transactions charged to the MANHATTAN Card in a month (as defined in Clause 8 below) but yet to be posted to the MANHATTAN Card account by the MANHATTAN Card statement date will not be considered in the computation of the Minimum Tiered MANHATTAN Monthly Spend for that month (as defined in Clause 8 below).

Qualifying MANHATTAN Transactions

4. MANHATTAN Cashback is awarded only on retail transactions which exclude those transactions listed in Clause 5 below (“Qualifying MANHATTAN Transactions”) made on your MANHATTAN Card based on the date such purchases are posted to your MANHATTAN Card account. For the avoidance of doubt, the date the transaction is charged may not be the same as the date the transaction is posted due to factors including but not limited to processing time and differences in time zones (where applicable). For clarity, Qualifying MANHATTAN Transactions charged to the MANHATTAN Card in a month (as defined in Clause 8 below) but yet to be posted to the MANHATTAN Card account by the MANHATTAN Card statement date will not be considered in the computation of MANHATTAN Cashback earned for that month (as defined in Clause 8 below). MANHATTAN Cashback will be computed and accrued monthly based on your statement date and will be calculated based on two decimal places for each individual Qualifying MANHATTAN Transaction without any rounding off. MANHATTAN Cashback earned will be reflected in that month’s card statement but credited to your principal MANHATTAN Card account only one month after each quarter (as defined in Clause 8 below). For the avoidance of doubt, a quarter for purposes of Part M does not mean a calendar quarter. Your first quarter commences from the statement date reflected in your first MANHATTAN Card statement issued by us. Such MANHATTAN Cashback amount will be automatically offset against that statement cycle month’s billed amount. MANHATTAN Cashback earned by your supplementary cardholder(s) of the MANHATTAN Card will be credited into your principal MANHATTAN Card account.

For illustration only – When does your first quarter start

5. The following transactions are not Eligible MANHATTAN Transactions and will not earn MANHATTAN Cashback:
   1. any cash advance;
   2. any Credit Card Funds Transfer;
   3. any monthly instalment of an EasyPay transaction;
   4. any amounts charged to your MANHATTAN Card that is subsequently cancelled, voided, refunded or reversed;
   5. AXS, SAM or ATM transactions made using your MANHATTAN Card;
   6. any insurance premiums charged to your MANHATTAN Card;
   7. recurring payments (being automatic payments where the MANHATTAN Cardholder or supplementary MANHATTAN Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her MANHATTAN Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;
   8. any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);
   9. amounts which have been rolled over from any preceding month’s statement;
   10. tax refunds credited into your MANHATTAN Card;
   11. charges incurred but not submitted or posted to your MANHATTAN Card account during the MANHATTAN Card Promotion Period;
   12. any fraudulent retail transaction;
   13. any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your MANHATTAN Card;
   14. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:
       1. any transaction classified under either of the following Merchant Category Codes:
          • Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
          • Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
       2. any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time:
          

          · EZ LINK PTE LTD	· EZLINK*	· TRANSIT LINK*
          · EZ LINK PTE LTD (FEVO)	· EZ LINK	· TRANSIT LINK PL
          · EZ-LINK PTE LTD SINGAPORE	· EZLINKS.COM	· TRANSIT
          · EZ-LINK TOP-UP KIOSK	· FLASHPAY ATU	· PAYPAL * BIZCONSULTA
          · EZ-LINK (IMAGINE CARD)	· TRANSITLINK*	· PAYPAL * CAPITALROYA

           

   15. any transaction classified under one or more of the following Merchant Category Codes
       

       Merchant Category Code (MCC)	Description
       4829	Money Transfer
       4900*	Utilities – Electric, Gas, Water, and Sanitary
       5047*	Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
       5199*	Nondurable Goods (Not Elsewhere Classified)
       6050*	Quasi Cash – Financial institutions, Merchandise, Services
       6051	Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment
       6211	Security Brokers/Dealers
       6513	Real Estate Agents and Managers
       6529*	Quasi Cash – Remote Stored Value Load – Financial Institute
       6530*	Quasi Cash – Remote Stored Value Load – Merchant
       6534*	Quasi Cash – Money Transfer – Member Financial Institution
       7299*	Other Services –  Not Elsewhere Classified
       7349	Cleaning, Maintenance and Janitorial Services
       7511*	Quasi Cash – Truck Stop Transactions
       7523	Parking Lots, Parking Meters and Garages
       8062*	Hospitals
       8211	Elementary and Secondary Schools
       8220	Colleges, Universities, Professional Schools, and Junior Colleges
       8241	Correspondence Schools
       8244	Business and Secretarial Schools
       8249	Vocational and Trade Schools
       8299	Schools and Educational Services (Not Elsewhere Classified)
       8398	Charitable Social Service Organizations
       8651	Political Organizations
       8661	Religious Organizations
       8999*	Professional Services (Not Elsewhere Classified)
       9211	Court Costs, Including Alimony and Child Support
       9222	Fines
       9223	Bail and Bond Payments
       9311	Tax Payments
       9399	Government Services (Not Elsewhere Classified)
       9402	Postal Services – Government Only
       9405	U.S. Federal Government Agencies or Departments

       *Effective 3 September 2024

   16. any other charge, fees or payments as we may stipulate from time to time.

   6. Refunded retail transactions will be deducted from the relevant monthly billed amount for the computation and award of MANHATTAN Cashback. Any reversed portion of the MANHATTAN Cashback earned will be reflected in the next month’s MANHATTAN Card statement.

   7. We may retract, deduct, re-compute, withdraw and/or cancel any MANHATTAN Cashback awarded if you fail to effect the minimum payment due as reflected on that month’s MANHATTAN Card statement, abuse the cashback programme or for any other reason that we may deem fit in our sole discretion. You will not be entitled to any payment or compensation in respect of such retraction, deduction, re-computation, withdrawal or cancellation.

   General
   8. For purposes of these terms, “month” means the period from the statement date of the current month to the day falling one day prior to the statement date of the following month and every 3 months starting from the first statement cycle month for the MANHATTAN Card make up a “quarter”. Every 4 quarters starting from the first statement cycle month for the MANHATTAN Card make up a “year”.

   9. We are not responsible and accept no liability for any failure or delay in the transmission of a transaction and/or MANHATTAN Qualifying Transaction by any party (including but not limited to Mastercard/Visa acquiring merchants, merchant establishments, or any telecommunication provider) for whatsoever reason.

   10. Your MANHATTAN Card account must be in good standing and conducted in a proper and satisfactory manner, as we may determine in our sole discretion, at the time of crediting the MANHATTAN Cashback. In the event that your MANHATTAN Card account is delinquent, terminated or suspected for any reason whatsoever before the MANHATTAN Cashback is credited into your MANHATTAN Card account, we reserve the right to forfeit such MANHATTAN Cashback in our sole discretion without prior notice.

   11. We accept no liability for any late submission of any transaction and/or MANHATTAN Qualifying Transaction by any merchant for whatsoever reason.

   12. Any MANHATTAN Cashback, if credited to your MANHATTAN Card account for any of the transactions listed under Clause 5, will be reversed in our sole discretion without prior notice.

   13. The MANHATTAN Card is excluded from earning rewards under the Standard Chartered 360° Rewards Programme.

   14. We reserve the right to vary, modify, and amend any of these terms (including but not limited to the right to vary the rate of MANHATTAN Cashback, the basis of calculation of MANHATTAN Cashback and the retail transactions which are not MANHATTAN Qualifying Transactions) from time to time without prior notice and you agree that you are bound by such variations, modifications, and amendments.

   15. Our decision on all matters pertaining to this MANHATTAN Card shall be final and binding on you and your supplementary cardholders.

   16. All information is accurate at the time of publication.