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Standard Chartered Manhattan $500 Card Review
A low-annual fee cashback card with only $18,000 p.a. income requirement.
Catered to undergrads and first jobbers, the Standard Chartered Manhattan $500 Card is one of the few credit cards in the market that is available to those earning less than $30,000 p.a.
Although this entry-level card doesn’t come with many perks, it does offer some cashback for your spending and access to Mastercard-exclusive promotions at participating merchants worldwide. This card also comes with a first-year annual fee waiver and a low annual fee for subsequent years.
The Standard Chartered Manhattan $500 Card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.
You can compare the current range of credit cards here.
Benefits and features of the Standard Chartered Manhattan $500 Card
Here are some of the features and benefits you can expect with this card:
0.25% cashback on all spend. Earn unlimited 0.25% cashback on all general spend, with no minimum spend required.
Annual fee waiver. The card comes with a low annual fee of $32.10 p.a. and is waived for the first year.
Mastercard perks. Access to all standard Mastercard benefits such as personal protection, travel assistance, and all eligible Mastercard promotions when you use your card at participating merchants.
Petrol discounts. Up to 16% petrol savings at Caltex stations. T&Cs apply. Ends 30 June 2022.
Referral programme. Receive $128 per successful referral. T&Cs apply.
How to apply for the Standard Chartered Manhattan $500 Card
If you’ve compared your options and decided that this card is right for you, you can apply for this card by downloading and duly filling the application form. Alternatively, you may also head down to the nearest Standard Chartered Bank branch. Before you apply, make sure you comply with the eligibility requirements and have the necessary information and documents.
Eligibility criteria
Singaporean or permanent resident
Minimum annual income of at least $18,000 p.a.
Between 18 to 32 years of age
Required documents
Photocopy of your NRIC/Passport/Student ID (front and back)
If you’re 21 years old, your application needs to include your parent’s or guardian’s signature.
Latest computerised payslip; or
Latest 6 months’ CPF statement; or
Latest income tax notice of assessment and latest computerised payslip; or
Latest income tax notice of assessment and latest 6 months’ CPF statement
Photocopy of your NRIC/Passport/Student ID (front and back)
If you’re 21 years old, your application needs to include your parent’s or guardian’s signature.
Lastest income tax notice of assessment (business must have been in operation for at least 2 years)
Photocopy of your NRIC/Passport/Student ID (front and back)
If you’re 21 years old, your application needs to include your parent’s or guardian’s signature.
Lastest 3 months computerised payslip; or
Latest 6 months’ CPF statement; or
Lastest 3 months computerised payslip and income tax notice of assessment; or
Latest income tax notice of assessment (for 100% commission earner)
Frequently asked questions
$500.
You may earn cashback on all transactions made on the Standard Chartered Manhattan $500 Card, except the following:
Cash advance
Credit card funds transfer
Any card-related fees and charges
Any EasyPay instalment payments
AXS, SAM or ATM transactions
Gambling transactions
Insurance premiums
Tax payments or tax credits refunded to your card
Top-ups or cash value reload expenses
Recurring payments or payments made to all billing organisations
Unpaid balance rolled over from previous months’ statements
Any amount that is subsequently cancelled, voided, refunded or reversed.
No, you should always strive to pay all your purchases in full each month instead of only the minimum amount due (which is 3% of the new balance or $50, whichever is greater). This is because the outstanding balance you roll over to the following month will incur a 25.99% p.a. interest charge, making it even more challenging for you to clear in the following month.
If you’re a student or just starting out on your first job, the Standard Chartered Manhattan $500 Card may be suitable for you. While its benefits aren’t impressive, you do earn cashback on your spendings and occasional dining and lifestyle deals at Mastercard’s partner merchants. However, this is not the only credit card in the market with a low-income requirement. So make sure to compare your options before applying.
Zyane Tan is an editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.
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