Standard Chartered Manhattan S$500 Card is one of the few on the market available to salaried employees earning less than S$30,000/year (the alternative being CIMB AWSM Card). As with similar cards, students without income are eligible. However, working adults earning at least S$18,000/year are also eligible. Cardholders earn 0.25% flat cashback on most spend, and while there’s a S$32.1 fee, it’s waived the first year.
Standard Chartered Manhattan S$500 Card Features and Benefits:
- Students: No minimum income required
- Working Adults: S$18,000 minimum income
- Age: 18 to 32 years old
- 0.25% cashback on general spend
- Exclusions include spend on recurring bills
- No minimum spend requirement
- No cap on earnings
- S$500 credit limit
What Makes Standard Chartered Manhattan S$500 Card Stand Out
Most credit cards require consumers to earn S$30,000+/year salary, currently be a tertiary student, or be an NSF in order to qualify. Standard Chartered Manhattan S$500 Card stands out because working adults ages 18 to 32 are eligible if they earn just S$18,000/year. Current students are also eligible, with no income requirement. All cardholders earn 0.25% cashback on general spend, making the card easy-to-use.
Even though SC Manhattan S$500 Card is great for low income working adults, it does have one of the lowest rewards rates on the market. In fact, young employees can earn 4x as much cashback (1% vs. 0.25%) with CIMB AWSM Card.This 1% rate applies only to dining, entertainment, online shopping and telco however, while SC Manhattan S$500 Card’s 0.25% is flat across all spend.
Spend on Dining, Entertainment, Online Shopping & Telco
|CIMB AWSM Card||S$300||1%||S$3.00|
|SC Manhattan S$500||S$300||0.25%||S$0.75|
SC Manhattan S$500 Card also has a S$32.1 annual fee, waived 1 year. Alternative student and low-income cards are no-fee. However, young adults looking for a first credit card can avoid keeping track of categories and earn simple, straightforward cashback with SC Manhattan S$500 Card.
How Does Standard Chartered Manhattan S$500 Card’s Rewards Program Work?
Use our quick and easy-to-read guide below to learn how you you can redeem card rewards.
- Every 1 dollar of cashback earned is equal to S$1
- Cashback is credited to the cardholder's account in the following month
- Cashback is automatically offset against following month's billed amount
Standard Chartered S$500 Card Rewards Exclusions
Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.
How does Standard Chartered Manhattan S$500 Card Compare Against Other Cards?
Read our comparisons of SC Manhattan S$500 Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.
SC Manhattan S$500 Card v. CIMB AWSM Card
Like SC Manhattan S$500 Card, CIMB AWSM Card is open to young working adults earning less than S$30,000/year, as well as students and NSFs with no income. Cardholders earn 1% rebate on specific categories: dining, entertainment, online shopping, and telco. There’s no minimum spend requirement, no earnings cap, and no annual fee. CIMB AWSM Card is great both for students and for low income working adults.
SC Manhattan S$500 Card v. Maybank eVibes Card
Students and NSF men can earn higher rewards rates with Maybank eVibes Card than with most competitors on the market. Cardholders earn 1% cashback on all spend–there are no merchant or category restrictions. Consumers even receive an Adidas wristwatch with card approval. Low income working adults, however, do not qualify, and might want to consider SC Manhattan S$500 Card.
SC Manhattan S$500 Card v. Citi Clear Card
Citi Clear Card offers students the equivalent of 0.4 miles per S$1 spend, which sets it apart from other rebate-based student cards. Cardholders also have access to dining privileges through Gourmet Pleasures. Students who frequently dine out may be a great match for Citi Clear Card, but low income working adults are not eligible.