Standard Chartered Manhattan Credit Card

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Features of the Standard Chartered Manhattan Credit Card

1. Cashback on Purchases:
- High Cashback Rates on Specific Categories: The card often provides elevated cashback rates for categories such as fuel, dining, or online purchases. For instance, users may earn up to 2% cashback on online transactions and 1% on other eligible spends, as seen with similar Standard Chartered cards like the Smart Credit Card.
- Petrol Cashback: For those who drive, the card may offer enhanced cashback on fuel purchases, potentially up to 5% at select petrol stations, making it a great choice for commuters.
- No Minimum Spend Requirement: Unlike some cards that require a minimum spend to unlock cashback, the Manhattan Credit Card may allow cashback accumulation from the first dollar spent, ensuring accessibility for all users.
2. Everyday Affordability:
- Cost Reduction: The cashback feature encourages cardholders to use the card for everyday purchases, effectively reducing the net cost of transactions over time.

- Contactless Payment Technology: The Manhattan Credit Card is equipped with contactless payment technology, enabling quick and secure transactions at merchants with contactless terminals.
  Speed and Convenience: Users can tap their card to pay for transactions under a certain limit (e.g., AED 3,000 in the UAE) without entering a PIN, streamlining the checkout process.
  Enhanced Security: Contactless payments are backed by advanced encryption, reducing the risk of fraud and ensuring safe transactions.
  Global Acceptance: The card is accepted at millions of contactless-enabled merchants worldwide, making it ideal for travelers.
  This feature enhances the card’s usability, particularly for small, frequent transactions like coffee purchases or public transport fares.
- Low or No Annual Fees: Standard Chartered is known for offering credit cards with competitive fee structures, and theManhattan Credit Card may feature low or no annual fees, depending on the region and specific terms.
  No Joining Fee: In some markets, like India, Standard Chartered cards waive the joining fee, making it cost-effective to acquire the card.
  Annual Fee Waiver: The annual fee, if applicable, may be waived upon meeting a minimum spend requirement, such as INR 50,000 annually, encouraging active card usage.
  Transparent Fee Structure: The card typically comes with clear terms, ensuring cardholders are not surprised by hidden charges.
  This feature makes the card accessible to a wide range of users, from young professionals to seasoned spenders.
- Digital Banking Integration: The Manhattan Credit Card is fully integrated with Standard Chartered’s digital banking platforms, offering seamless management of card activities.
  SC Mobile App: Cardholders can monitor transactions, pay bills, and redeem rewards through the SC Mobile app, available on iOS and Android.
  Online Banking Access: Users can log in to Standard Chartered’s online banking portal to view statements, set spending limits, or apply for instalment plans.
  Real-Time Notifications: The card supports real-time transaction alerts via SMS or email, helping users stay on top of their spending.
  This digital integration ensures that cardholders can manage their finances conveniently, anytime, anywhere.
- Travel and Lifestyle Benefits: The Manhattan Credit Card may include travel and lifestyle perks, aligning with Standard Chartered’s focus on rewarding high-spending customers.
  Lounge Access: Some Standard Chartered cards offer complimentary lounge access at airports, which may extend to the Manhattan Credit Card in certain markets.
  Travel Discounts: Cardholders may enjoy discounts on hotel bookings (e.g., 20% off) or airline purchases (e.g., 10% off) at standalone travel merchants.
  Concierge Services: Premium versions of the card may include access to a 24/7 concierge for booking travel, dining, or entertainment.
  These features cater to frequent travelers and lifestyle enthusiasts, adding value to the card’s offerings.
- Flexible Credit Limits: The Manhattan Credit Card typically offers flexible credit limits tailored to the cardholder’s financial profile.
  Customizable Limits: Users can request adjustments to their credit limit based on income and creditworthiness, subject to bank approval.
  Temporary Limit Increases: For large purchases or travel, cardholders may apply for a temporary credit limit increase, providing financial flexibility.
  Credit Utilization Monitoring: The SC Mobile app allows users to track their credit utilization, helping them maintain a healthy credit score.
  This feature ensures the card meets the needs of both conservative spenders and those with higher financial demands.
- Multi-Currency Support: For users in regions like the UAE, the Manhattan Credit Card may support transactions in multiple currencies, such as USD and AED, reducing the hassle of currency conversion.
  Competitive Foreign Exchange Rates: The card offers favorable exchange rates for international transactions, minimizing conversion fees.
  Global Usability: Accepted worldwide, the card is ideal for international travelers or those making overseas purchases.
  No Foreign Transaction Fees: In some cases, Standard Chartered waives foreign transaction fees, making the card cost-effective for global use.
  This feature is particularly valuable for users with international spending needs.
- Security Features: Security is a priority for the Manhattan Credit Card, with robust measures to protect cardholders from fraud.
  EMV Chip Technology: The card includes an EMV chip for secure transactions at point-of-sale terminals.
  Two-Factor Authentication: Online transactions may require OTP (One-Time Password) verification, adding an extra layer of security.
  Fraud Monitoring: Standard Chartered’s systems monitor transactions for suspicious activity, with immediate alerts for unauthorized use.
  These features provide peace of mind, ensuring safe usage in various scenarios.
- Instalment Payment Plans: The Manhattan Credit Card may offer instalment payment plans, allowing users to convert large purchases into manageable monthly payments.
  0% Interest Plans: For eligible purchases, cardholders can opt for 0% interest instalment plans over 3, 6, or 12 months.
  Flexible Repayment Options: Users can choose repayment terms that suit their budget, reducing financial strain.
  Easy Application: Instalment plans can be applied for through online banking or the SC Mobile app.
  This feature is ideal for big-ticket purchases like electronics or travel expenses.

Benefits of the Standard Chartered Manhattan Credit Card

1. Financial Savings Through Cashback and Rewards:
- Everyday Savings: A cardholder spending INR 50,000 monthly on retail purchases could earn 4X rewards (approximately 2,000 points) and redeem them for INR 2,000 in statement credits or vouchers, effectively reducing their expenses.
- Fuel Cost Reduction: With up to 5% cashback on fuel, a user spending AED 1,000 monthly on petrol could save AED 50, totaling AED 600 annually.
2. Enhanced Travel Experiences:
- Complimentary Lounge Access: Access to airport lounges can save cardholders USD 50–100 per visit, providing a comfortable space to relax during layovers.
- Discounted Bookings: A 20% discount on hotel bookings could save INR 5,000 on a INR 25,000 hotel stay, while a 10% discount on flights could reduce a INR 50,000 airfare by INR 5,000.

- Convenience and Flexibility: The card’s digital integration and flexible payment options make it a convenient tool for managing finances.
- Seamless Bill Payments: Users can pay utility bills, insurance premiums, or other expenses through the SC Mobile app, saving time and avoiding late fees.
- Instalment Plans for Big Purchases: Converting a INR 60,000 laptop purchase into a 12-month, 0% interest plan results in affordable monthly payments of INR 5,000, easing budget constraints.
- Global Accessibility: The card’s multi-currency support and worldwide acceptance ensure hassle-free use, whether shopping in Dubai or online from Singapore.
- Building Credit and Financial Discipline: Using the XtraSaver Credit Card responsibly can help cardholders build a strong credit profile.
- Credit Score Improvement: Timely repayments and low credit utilization (tracked via the SC Mobile app) contribute to a higher credit score, improving eligibility for loans or higher credit limits.
- Financial Planning Tools: The card’s integration with online banking provides spending insights, helping users budget effectively and avoid overspending.
- No Overlimit Fees: In some regions, Standard Chartered cards avoid overlimit fees, protecting users from unexpected charges.
- Exclusive Lifestyle Privileges: The card offers access to exclusive privileges, enhancing the cardholder’s lifestyle.
- Dining Discounts: Partnerships with restaurants may offer up to 15% off dining bills, saving INR 1,500 on a INR 10,000 restaurant spend.
- Shopping Offers: Tie-ups with retail brands could provide discounts or bonus points during festive seasons, increasing savings.
- Concierge Services: For premium cardholders, concierge services can arrange reservations or event tickets, adding a touch of luxury to everyday life.
- Low-Cost Ownership: The absence of joining fees and potential annual fee waivers make the card cost-effective.
- No Initial Cost: With no joining fee, users can acquire the card without upfront expenses, unlike cards with INR 5,000 enrollment fees.
- Annual Fee Savings: Meeting a minimum spend requirement (e.g., INR 50,000 annually) could waive a INR 5,000 annual fee, saving cardholders significantly.
- Low Interest Rates: Competitive interest rates on outstanding balances (e.g., 1% fuel surcharge waiver) reduce the cost of carrying a balance.
- Security and Peace of Mind: The card’s robust security features protect users from financial risks.
- Fraud Protection: In case of unauthorized transactions, Standard Chartered’s fraud monitoring team investigates and refunds affected amounts, minimizing losses.
- Lost Card Liability: The bank typically limits liability for lost or stolen cards, ensuring cardholders are not held responsible for fraudulent charges.
- Travel Insurance: Some versions of the card may include complimentary travel insurance, covering trip cancellations or medical emergencies, providing added security for travelers.

How to Apply for the Standard Chartered Manhattan Credit Card

Application Channels:
- Online Application via Standard Chartered Website:
  - Visit the Official Website: Go to website and navigate to the credit cards section. Select the Manhattan Credit Card.
  - Click “Apply Now”: Locate the “Apply” tab on the card’s landing page and click it to start the application.
  - Fill the Application Form: Enter personal details (name, contact information), income details, and employment information.
  - Upload Documents: Scan and upload required documents, such as ID proof and income proof, as prompted.
  - Submit Application: Review the form, agree to the terms and conditions, and submit the application.
  - Verification Process: The bank will verify your details and may contact you for additional information. Approval typically takes 2–7 business days.
  - Card Delivery: Once approved, the card is delivered within 24–48 hours in some regions, or up to 7 days, depending on the location.
- SC Mobile App Application:
  - Download the App: Install the SC Mobile app from the iOS App Store or Google Play Store.
  - Navigate to Credit Cards: Go to the “Apply for a Credit Card” section in the app.
  - Complete the Form: Enter your personal, financial, and employment details as prompted.
  - Upload Documents: Use the app to upload scanned copies of required documents.
  - Submit and Track: Submit the application and track its status in real-time via the app.
  - Instant Decision: In some cases, the app provides an instant approval decision, with card delivery following shortly.
- Branch Application:
  - Locate a Branch: Visit the nearest Standard Chartered branch.
  - Request an Application Form: Ask for the Manhattan Credit Card application form.
  - Submit Documents: Provide physical copies of required documents to the bank officer.
  - Complete Verification: The bank may conduct in-person or telephonic verification.
  - Await Approval: Approval may take 3–10 business days, with the card delivered to your registered address.
- Third-Party Platforms:
  - Access the Platform: Visit a partner site .
  - Select the Card: Choose the Manhattan Credit Card and click “Apply Now.”
  - Complete Digital Form: Follow the platform’s prompts to fill out the application and upload documents.
  - Submit via Partner: The platform forwards your application to Standard Chartered for processing.
Tips for a Successful Application:
- Check Your Credit Score: A higher credit score improves approval odds. Use free credit bureaus to check your score before applying.
- Provide Accurate Information: Ensure all details in the application match your documents to avoid delays.
- Meet Minimum Income Requirements: Verify that your income meets the card’s threshold for your region.
- Limit Multiple Applications: Avoid applying for multiple credit cards simultaneously, as this may negatively impact your credit score.
- Follow Up: If you don’t hear back within the expected timeframe, contact Standard Chartered’s customer service for an update.
Post-Application Steps:
- Activate the Card: Use the SC Mobile app, online banking, or call the bank’s helpline to activate your card.
- Set a PIN: Create a secure PIN for transactions via the app or ATM.
- Link to Digital Wallets: Add the card to Apple Pay, Google Pay, or Samsung Pay for contactless payments.
- Monitor Transactions: Regularly check your statements via the SC Mobile app to track spending and rewards.

Eligibility Criteria for Standard Chartered Manhattan Credit Card

1. Age Requirements
- Primary cardholder must be at least 21 years old at the time of application
- Supplementary cardholders must be at least 18 years old
- Maximum age typically 65 years, may vary by country (e.g., relaxed for high-net-worth individuals in India)
- Age restrictions ensure sufficient financial maturity to manage credit
2. Nationality and Residency
- Applicants must be residents of the country where the card is offered (e.g., Singapore, India, Malaysia, UAE)
- In Singapore, eligible applicants include citizens, permanent residents, and foreigners with valid work permits
- In India, residents with valid PAN card and Aadhaar-linked address are eligible
- Foreigners may need additional documentation like residence visa or work permit
- Non-residents typically ineligible unless verifiable local address and income source
3. Income Requirements
- Minimum annual income varies by region:
- Higher income improves approval chances and credit limit
- Bank may consider net worth for premium applicants
4. Employment Status
- Salaried employees, self-employed professionals, and business owners eligible if income and stability criteria met
- Salaried applicants should have at least 6 months employment with current employer
- Self-employed/business owners should have 1–2 years of consistent business operations with financials or tax returns
- Unemployed or irregular income individuals generally ineligible
5. Credit History and Score
- Strong credit history essential
- Credit score assessed via bureaus (CBS, Experian, CIBIL)
- Typical minimum score: 650–700 (varies by country)
- Applicants with timely payments, low credit utilization (below 30%), no defaults preferred
- Adverse credit events can lead to rejection
- Limited credit history applicants may need additional income proof
6. Existing Banking Relationship
- Not mandatory, but existing relationship with Standard Chartered (savings account, fixed deposit, or loan) may enhance approval chances
- Existing customers may benefit from relaxed criteria or faster processing
- New customers must meet all standard requirements
7. Credit Limit Expectations
- Credit limit depends on income, credit score, and financial obligations
- High credit limits require correspondingly high income and creditworthiness
- Unrealistic credit limit expectations may lead to rejection or lower approved limits
8. Regional Variations
- Eligibility criteria may differ due to local regulations
- Malaysia: Bank Negara Malaysia guidelines may impose additional checks
- UAE: Expatriates may need employment contract or end-of-service gratuity letter
- Applicants should verify country-specific requirements on Standard Chartered’s official site or branches
9. Additional Notes
- Applicants must not have ongoing bankruptcy proceedings or financial disputes
- The bank may limit the number of credit cards an individual holds to prevent over-leveraging
- Certain high-risk professions (e.g., seasonal workers) may face stricter scrutiny

Documents Required for Standard Chartered Manhattan Credit Card Application

Identity Proof:
- Passport: Valid, with at least 6 months’ validity.
- National ID: NRIC (Singapore), PAN card or Aadhaar card (India).
- Driver’s License: Accepted as secondary ID in some regions.
- Work Permit/Visa: For foreigners, a valid work permit or residence visa is required.
Address Proof:
- Utility Bills (Electricity, Water, Gas) – Not older than 3 months, showing name and address.
- Bank Statements – Recent 3–6 months showing applicant’s name and address.
- Rental Agreement – Valid lease document if renting.
- Government-issued Documents – Voter ID (India) or local address certificates.
Income Proof:
- Salaried Applicants:
  - Latest 3 months’ Payslips.
  - Bank Statements showing salary credits (3–6 months).
  - Employment Letter confirming job role, salary, and tenure.
  - Income Tax Returns or Form 16 (latest).
- Self-Employed Applicants:
  - Business Registration documents (Certificate of Incorporation, partnership deed, trade license).
  - Income Tax Returns for last 1–2 years with income computation.
  - Audited Profit & Loss Statements for 1–2 years.
  - Business or personal Bank Statements (6–12 months).
Application Form:
Completed with personal, employment, and financial details. Online applications may require e-signatures or OTP verification; physical forms need signature.
Photograph:
- Recent passport-sized photograph (plain background, no hats/sunglasses).
- Required for applicant and supplementary cardholders where applicable.
Foreigner-Specific Documents:
- Valid Work Permit or Employment Pass (minimum 6 months validity).
- Employment Contract specifying role, salary, and duration.
- Residence Visa valid for the country of application.
Supplementary Card Documents:
- Identity proof of the supplementary cardholder.
- Proof of relationship (e.g., marriage or birth certificate).
- Signed consent form from supplementary cardholder.
Additional Documents (If Applicable):
- Credit Bureau Report (self-obtained or accessed by bank).
- Credit Card Statements of other cards held (to assess utilization).
- Net Worth Proof (property deeds, investment statements) for high-limit requests.
Submission Guidelines:
- Documents must be clear, legible, and in English or local language.
- Certified or self-attested copies may be required.

Factors Influencing Approval for Standard Chartered XtraSaver Credit Card

Credit Score and History:
A high credit score (typically 700+) and clean credit history are crucial. The bank assesses:
- Payment History: Timely repayments without defaults.
- Credit Utilization: Ideally below 30% of total credit limit.
- Credit Inquiries: Excessive recent inquiries signal higher risk.
- Debt-to-Income Ratio: Lower ratios are preferred for better repayment capacity.
Income Stability:
Consistent and verifiable income supports creditworthiness:
- Income Level: Higher income increases chances of approval and higher limits.
- Employment Tenure: Longer employment or business operation period preferred.
- Consistency: Regular income reflected in bank statements and documents.
Debt-to-Income Ratio (DTI):
A DTI below 40% is favorable, showing capacity to manage additional credit.

High DTI due to existing loans or card balances can reduce approval chances.
Employment Background:
Stable employment or reputable business improves approval odds.
- Applicants from reputed companies or stable self-employment are preferred.
- High-risk or unstable professions may face stricter scrutiny.
Existing Credit Exposure:
Lower existing credit card balances and fewer loans reduce risk perception.
Residential Stability:
Long-term residence at a single address signals stability; frequent moves may raise concerns.
Banking Relationship:
Existing Standard Chartered customers may receive preferential treatment like faster approvals or pre-approved offers.
Application Accuracy:
Complete, accurate, and consistent applications with supporting documents improve chances.
Regional Factors:
Local regulatory policies and economic environment influence approval standards.
Behavioral and Demographic Factors:
Younger applicants might need stronger proof of income; responsible credit behavior is positive.
Fraud and Risk Assessment:
Any inconsistencies or suspicious information can lead to rejection.
Economic Conditions:
Approval criteria may tighten during economic downturns to reduce bank risk.
Card-Specific Factors:
Applicants whose spending habits align with the card’s reward categories may be prioritized.

Frequently Asked Questions (FAQs) - Standard Chartered Manhattan Credit Card

1. What is the Standard Chartered Manhattan Credit Card?

It’s a cashback credit card that offers 5% cashback on eligible online and contactless transactions (capped at S$80 cashback per quarter) and 0.5% unlimited cashback on all other spend.

2. What are the cashback categories?

5% cashback on:

Online transactions (e.g., shopping, food delivery, subscriptions)
Contactless payments (Apple Pay, Google Pay, Samsung Pay, and tap-and-go)

0.5% cashback on all other spend (no minimum spend required).

3. Is there a minimum spend requirement?

No, but the 5% cashback is capped at S$80 per quarter (S$40 for new cardholders in the first year).

4. Are there any exclusions for cashback?

Yes, cashback does not apply to:

Annual fees
Late fees
Balance transfers
Cash advances
AXS payments
Insurance premiums
Government transactions

5. What is the annual fee?

S$192.60 (waived for the first year). Subsequent years may be waived upon spending a certain amount (e.g., S$10,000 annually).

6. How do I redeem my cashback?

Cashback is auto-credited to your card account every quarter (no manual redemption needed).

7. Is there a welcome bonus?

Yes, new cardholders may receive additional cashback or rewards (check the latest promotions on Standard Chartered’s website).

8. Can I use this card overseas?

Yes, but foreign transaction fees (3.25%) apply. The 5% cashback still applies for online/contactless overseas spend.

9. How do I apply for the Manhattan Credit Card?

Apply online via Standard Chartered’s website, through SingPass MyInfo, or at a branch.

10. What happens if I don’t meet the cashback cap?

Unused cashback does not roll over to the next quarter.

List of Standard Chartered Manhattan Credit Card Telangana Branches

Hyderabad - Banjara Hills
Hyderabad - Ameerpet
Hyderabad - Dilsukhnagar
Hyderabad - Kukatpally
Hyderabad - Gachibowli

Hyderabad - Madhapur
Hyderabad - Secunderabad
Hyderabad - Begumpet
Hyderabad - Himayat Nagar
Hyderabad - Somajiguda

Hyderabad - Abids
Hyderabad - Chikkadpally
Hyderabad - Mehdipatnam
Hyderabad - Tolichowki
Hyderabad - Kachiguda

Hyderabad - Sainikpuri
Hyderabad - Uppal
Hyderabad - L B Nagar
Hyderabad - Miyapur

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