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Standard Chartered Manhattan $500 Card Review

Last updated: Apr 27, 2020

A low-annual fee cashback card with only S$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.

Find out more about this card in our review.

S$0 annual fee for 1 year - S$32.10 thereafter

Annual Fee

26.9%

Effective Interest Rate

S$18,000

Min Income - Singaporean and PR

Details

Product Name	Standard Chartered Manhattan $500 Card
Reward	N/A
Effective Interest Rate	26.9%
Interest Free Period	Applicable if you choose to make full payment
Maximum Credit Limit	S$500
	More Info

Annual Fee	S$0 annual fee for the first 1 year and S$32.10 thereafter
Supplementary Annual Fee	N/A
Late Payment Fee	S$80
Cash Advance Charge	6% on the Cash Advance, subject to a minimum fee of S$15 plus Finance Charges at 0.077% per day
Foreign Currency Transaction Fee	3.5%
	More Info

Min Income - Singaporean and PR	S$18,000
Min Age - Primary Holder	18
	More Info

Zyane Tan

Zyane Tan is an associate 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.

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 S$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.

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 S$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

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.

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.

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2 Comments

Admaz
April 16, 2020

For those above 32 years old can get?

Reply
- finder Customer Care
  
  Zyane
  April 20, 2020
  
  Hi Admaz,
  
  Thank you for contacting us at Finder. Unfortunately, only those between 18 to 32 years of age will be eligible for the Standard Chartered Manhattan $500 Card. So those above 32 years old will have to seek other credit card options. You may refer to our credit card comparison page to find one that suits your needs.
  
  Hope that helps 🙂
  
  Best Regards,
  Zyane Tan
  
  Reply