1. The MANHATTAN S$500 Credit Card which comes with a credit limit of S$500 (the “MANHATTAN S$500 Card“) gives you 0.25% cashback (“MANHATTAN S$500 Cashback“) when you use the MANHATTAN S$500 Card in the manner specified in this section.
MANHATTAN S$500 Cashback on Eligible MANHATTAN S$500 Card Retail Transactions

2. MANHATTAN S$500 Cashback is awarded only on retail transactions which exclude those transactions listed in Clause 3 below (“Eligible MANHATTAN S$500 Card Retail Transactions”) made on your MANHATTAN S$500 Card based on the date such purchases are posted to your MANHATTAN S$500 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, Eligible MANHATTAN S$500 Card Retail Transactions charged to the MANHATTAN S$500 Card in a month (as defined in Clause 6 below) but yet to be posted to the MANHATTAN S$500 Card account by the MANHATTAN S$500 Card statement date will not be taken into account in the computation of MANHATTAN S$500 Cashback earned for that month (as defined in Clause 6 below). MANHATTAN S$500 Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible MANHATTAN S$500 Card Retail Transaction without any rounding off. MANHATTAN S$500 Cashback earned will be reflected in that month’s card statement but credited to your principal MANHATTAN S$500 Card account only in the following statement cycle month. Such MANHATTAN S$500 Cashback amount will be automatically offset against the following statement cycle month’s billed amount.

3. The following transactions are not Eligible MANHATTAN S$500 Card Transactions and will not earn 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 S$500 Card that is subsequently cancelled, voided, refunded or reversed;
5. AXS, SAM or ATM transactions made using your MANHATTAN S$500 Card;
6. any insurance premiums charged to your MANHATTAN S$500 Card;
7. recurring payments (being automatic payments where the MANHATTAN S$500 Cardholder or supplementary MANHATTAN S$500 Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her MANHATTAN S$500 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 S$500 Card;
11. charges incurred but not submitted or posted to your MANHATTAN S$500 Card account during the MANHATTAN S$500 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 S$500 Card;
14. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:

1. 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

1. 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:

*Effective 3 September 2024

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

4. Refunded retail transactions will be deducted from the relevant monthly billed amount for the computation and award of MANHATTAN S$500 Cashback. Any reversed portion of the MANHATTAN S$500 Cashback earned will be reflected in the next month’s MANHATTAN S$500 Card statement.

5. We may retract, deduct, re-compute, withdraw and/or cancel any MANHATTAN S$500 Cashback awarded if you fail to effect the minimum payment due as reflected on that month’s MANHATTAN S$500 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
6. 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.

7. We are not responsible and accept no liability for any failure or delay in the transmission of a transaction and/or Eligible MANHATTAN S$500 Card Retail Transaction by any party (including but not limited to Mastercard/Visa acquiring merchants, merchant establishments, or any telecommunication provider) for whatsoever reason.

8. Your MANHATTAN S$500 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 S$500 Cashback. In the event that your MANHATTAN S$500 Card account is delinquent, terminated or suspected for any reason whatsoever before the MANHATTAN S$500 Cashback is credited into your MANHATTAN S$500 Card account, we reserve the right to forfeit such MANHATTAN S$500 Cashback in our sole discretion without prior notice.

9. We accept no liability for any late submission of any transaction and/or Eligible MANHATTAN S$500 Card Retail Transaction by any merchant for whatsoever reason.

10. Any MANHATTAN S$500 Cashback, if credited to your MANHATTAN S$500 Card account for any of the transactions listed under Clause 3, will be reversed in our sole discretion without prior notice.

11. Your MANHATTAN S$500 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 S$500 Cashback. In the event that your MANHATTAN S$500 Card account is delinquent, terminated or suspended for any reason whatsoever before the MANHATTAN S$500 Cashback is credited into your MANHATTAN S$500 Card account, we reserve the right to forfeit such MANHATTAN S$500 Cashback in our sole discretion without prior notice.

12. The MANHATTAN S$500 Card is excluded from earning rewards under the Standard Chartered 360° Rewards Programme.

13. 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 S$500 Cashback, the basis of calculation of MANHATTAN S$500 Cashback and the retail transactions which are not Eligible MANHATTAN S$500 Card Retail Transactions) from time to time without prior notice and you agree that you are bound by such variations, modifications, and amendments.

14. Our decision on all matters pertaining to this MANHATTAN S$500 Card shall be final and binding on you.

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