Standard Chartered Manhattan, The Standard Chartered Manhattan Card has been around a long time – from the days when it was too expensive for most Singaporeans to holiday in New York. It’s also one of the more attractive cashback credit cards in Singapore for high spenders, offering a 3% cash rebate as long as you meet the minimum spending requirement of $3,000.
Sadly, Standard Chartered is no longer accepting applications for the Manhattan Card. If you try to apply through their website, you’ll get routed to the Standard Chartered Unlimited Cashback credit card.
For those who already have the Manhattan card, the benefits listed in this review are still valid. If you don’t, don’t worry, we’ll also show you some alternatives to the card.
MANHATTAN CashBack Terms and Conditions
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 | Applicable MANHATTAN Cashback rate for the relevant spend tier for the statement cycle month | Maximum MANHATTAN Cashback earned per statement cycle quarter |
| Tier 1: Below $1,000 | 0.5% | Capped at $200 (maximum of $800 per year (as defined in Clause 8 below) |
| Tier 2: $1,000 – $2,999.99 | 1% | |
| Tier 3: $3,000 and above | 3% |
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
| Date of your first statement:15 February(your statement cycle will then be on the 15th of every month) | First quarter cycle – Statement Date | MANHATTAN Cashback Crediting |
| 1st month – 15 February statement | MANHATTAN Cashback earned will be credited one month after each quarter:15 May statement | |
| 2nd month – 15 March statement | ||
| 3rd month – 15 April statement | ||
| Second quarter cycle – Statement Date | MANHATTAN Cashback Crediting | |
| 1st month – 15 May statement | MANHATTAN Cashback earned will be credited one month after each quarter:15 August statement | |
| 2nd month – 15 June statement | ||
| 3rd month – 15 July statement |
5. The following transactions are not Qualifying MANHATTAN Transactions and will not earn MANHATTAN Cashback:
a. any cash advance;
b. any fees and 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) charged to your MANHATTAN Card;
c. any Credit Card Funds Transfer;
d. any monthly instalment of an EasyPay transaction;
e. any amount charged to your MANHATTAN Card (and/or your supplementary card) that is subsequently cancelled, voided, refunded or reversed;
f. recurring payments or payments made to all billing organisations using Standard Chartered Online Banking;
g. AXS or ATM transactions made using the MANHATTAN Card;
h. amounts which have been rolled over from the preceding months’ statements;
i. tax refunds credited into your MANHATTAN Card account (and/or your supplementary card account);
j. any tax payments charged to your MANHATTAN Card (and/or your supplementary card);
k. any insurance premiums charged to your MANHATTAN Card (and/or your supplementary card);
l. any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your MANHATTAN Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time; and
| · EZ LINK PTE LTD | · FLASHPAY ATU | · OANDAASIAPA |
| · EZ LINK PTE LTD (FEVO) | · TRANSITLINK* | · OANDA ASIA PAC |
| · EZ-LINK PTE LTD SINGAPORE | · TRANSIT LINK* | · PAYPAL * BIZCONSULTA |
| · EZ-LINK TOP-UP KIOSK | · TRANSIT LINK PL | · PAYPAL * OANDAASIAPA |
| · EZ-LINK (IMAGINE CARD) | · TRANSIT | · PAYPAL * CAPITALROYA |
| · EZLINK* | · MB * MONEYBOOKERS.COM | · Saxo Cap Mkts Pte Ltd |
| · EZ LINK | · WWW.IGMARKETS.COM.SG | · SKR*SKRILL.COM |
| · EZLINKS.COM |
m. any other charge, fee, transaction or payment 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. For any new transaction payable by monthly instalment payments, for purposes of MANHATTAN Cashback, if you charge the total amount in respect of such transaction to your MANHATTAN Card within a particular month where such total amount is successfully converted to monthly instalments:
a. at the point of sale by a participating merchant, the monthly instalment amount (and not the total amount charged) will qualify for MANHATTAN Cashback provided that (i) such new transaction payable by monthly instalment payment is a Qualifying MANHATTAN Transaction, and (ii) such monthly instalment amount is successfully posted to your MANHATTAN Card account before the end of that month. Subsequent monthly instalment amounts will also qualify for MANHATTAN Cashback for the months in which the relevant instalment amount is posted; or
b. at a later date by us, the total amount charged (and not the converted monthly instalment amount) will qualify for MANHATTAN Cashback provided that (i) such new transaction payable by monthly instalment payment is a MANHATTAN Qualifying Transaction, and (ii) such monthly instalment amount is successfully posted to your MANHATTAN Card account before the end of that month. Subsequent monthly instalment amounts will not qualify for MANHATTAN Cashback for such months in which the relevant instalment amount is posted.
10. 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.
11. 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.
12. We accept no liability for any late submission of any transaction and/or MANHATTAN Qualifying Transaction by any merchant for whatsoever reason.
13. 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.
14. The MANHATTAN Card is excluded from earning rewards under the Standard Chartered 360° Rewards Programme.
15. 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.
16. Our decision on all matters pertaining to this MANHATTAN Card shall be final and binding on you and your supplementary cardholders.
17. All information is accurate at the time of publication.