Standard Chartered Bank rebrands its Visa Infinite X Card, giving it a fresh coat of paint along with a whole load of new perks and features to look forward to.
Previously rewarding cardholders with up to 1.2 miles per S$1 on local spend and 2 miles per S$1 on foreign spend, the Standard Chartered Visa Infinite X Metal Card was launched under the premise of all the luxury and class of an "X factor" card. However, with its hefty annual fee, basic airport lounge access, and minimal card benefits, it quickly disappeared into the shadows of the credit card graveyard.
Not much was heard of it until now: the Standard Chartered Visa Infinite X Card has been newly rebranded into the Standard Chartered Journey Card. The card has gotten rid of its (kind of iconic) "X" design in favour of a more classic Standard Chartered card face design and silhouette.
But of course, its appearance isn't all that changed. It's been upgraded with a whole slew of new card perks and features, along with sign-up miles bonuses. But are these swanky new changes enough to revive it into the spotlight? Let's take a look.
Table of contents
- Overview: Standard Chartered Journey Credit Card
- Advantages of the Standard Chartered Journey Credit Card
- Disadvantages of the Standard Chartered Journey Credit Card
- Other Standard Chartered credit card promotions
- Eligibility, fees & charges
- How to apply?
- Should you get the Standard Chartered Journey Credit Card?
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SingSaver's Best Deal Guarantee: Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 30 June 2025. T&Cs apply.
Overview: What the Standard Chartered Journey Credit Card can do for you
Standard Chartered Journey Card product summary:
- Local spend: Earn 3X Rewards Points / 1.2 miles per S$1 spend (1.2 mpd)
- Foreign spend: Earn 5X Rewards Points / 2 miles per S$1 spend (2 mpd)
- Bonus miles*: Earn 7.5X Rewards Points / 3 miles per S$1 spend (3 mpd) on online transactions in transportation, grocery, and food delivery merchants (capped at S$1,000 per statement month; additional spends earn 1.2 mpd)
- Income requirement: S$30,000 (Singaporeans/PRs), S$90,000 (Foreigners)
- Annual fee: S$196.20 (First year waived; 9% GST w.e.f. 1 Jan 2024)
Along with its refreshed look, the SCB Journey Card marks the transition away from its predecessor's Visa Infinite programme to join the Visa Signature programme.
That aside, let's break down its pros and cons.
| Pros ✅ | Cons ❌ |
| No cap to miles earned for local and spend and overseas spends |
Bonus Rewards Points/miles for Transport, Online Groceries and Food Delivery and are capped at S$1,000 spend per statement month per category
Maximum monthly bonus of 3,000 miles, credited as 7,500 Rewards Points
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First-year annual fee waived
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No bonus miles earned on partner travel site bookings (e.g. Kaligo, Expedia, Agoda)
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Up to 45,000 bonus welcome miles upon sign-up
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Bonus 45,000 welcome miles are earned conditionally:
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Up to S$500,000 travel insurance coverage
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Enjoy 45% off all single-trip plans with MSIG TravelEasy Insurance
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2 complimentary Priority Pass airport lounge access per year
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S$10 off Grab ride for Changi Airport transfers (capped at first 2,000 redemptions)
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360º Rewards Points never expire
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Get a Samsonite Straren Spinner 67/24 (worth S$600), 12K Max Miles, or S$180 Cash upon activating and spending a min. of S$800 in eligible transactions within 60 days of card approval. Valid until 1 June 2025. T&Cs apply.
Plus, get an additional 30k miles from Standard Chartered when you apply with annual fee payment (S$196.20 incl. GST). Valid until 30 June 2025. T&Cs apply.
Why should you choose the Standard Chartered Journey Credit Card?
Pros ✅
#1: Up to 45,000 bonus welcome miles for new sign-ups
Targeted at young working Z-llennials with a strong wanderlust, the SCB Journey Card rewards new-to-SCB cardholders with up to 45,000 miles welcome bonus.
Comparatively, this is one of the better bonus miles sign-up offers when compared to its mile card peers like DBS Altitude and HSBC TravelOne. The DBS Altitude Card only rewards up to 37,000 bonus miles while the HSBC TravelOne Card only rewards up to 20,000 bonus miles.
💡Pro-tip: 45,000 miles is enough to redeem an Economy Saver Award Ticket for a return trip from Singapore to Perth via Singapore Airlines. You're welcome. 😉
#2: Great for both overseas and local everyday spend
But when you're not out venturing foreign lands, this card rewards well for local spend back here on home ground too.
Its 1.2 mpd rate for local spend and 2 mpd for foreign spend are pretty standard as far as it goes – with DBS Altitude (again) and Citi PremierMiles offering the same miles earn rates.
In our opinion, what really makes the SCB Journey Card stand out is its accelerated 3 mpd earn rate on local online transactions in everyday spend categories. These categories include eligible merchants under transportation, food delivery, groceries, and food stores.
Examples of such merchants are:
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Bonus miles categories
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Merchant examples
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Transportation
(MCC 4111, 4121, 4411, 4789)
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Gojek, Cabcharge Asia, Tada, Ryde Technologies, Royal Caribbean Cruises, Easybook.com, etc.
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Food delivery
(MCC 5811, 5812, 5814)
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Foodpanda, Deliveroo, McDonald's, KFC, Pizza Hut, Dominos Pizza, Chilli Api Catering, Qi Ji Catering, etc.
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Groceries and food stores
(MCC 5411, 5462, 5499, 5921)
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NTUC FairPrice Online, NTUC FairPrice app, Nespresso Singapore, etc.
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This 3 mpd rate can be broken down into:
3 (Base) Rewards Points + 4.5 (Bonus) Rewards Points = 7.5 Rewards Points
This places SCB Journey almost on par with other rewards credit cards like HSBC Revolution, Citi Rewards, UOB Lady's series, DBS Woman's series, and UOB Preferred Platinum Visa – generally earning 4 mpd on similar everyday categories but differing in payment methods via online, mobile contactless, or physical card spend.
⚠️ Do note that the "Transportation" category does NOT include public transport via SimplyGo because only online transactions are permitted to earn bonus miles. Tapping onto buses and MRTs is only done by mobile contactless spend, so there's a difference.
Read more:
Best Online Shopping Credit Cards in Singapore Best Credit Cards For Online Groceries
Best Credit Cards For Mobile Wallet Payments
Cashback vs Miles vs Rewards: Which is the Best Credit Card to Use?
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Get a Samsonite Straren Spinner 67/24 (worth S$600), 12K Max Miles, or S$180 Cash upon activating and spending a min. of S$800 in eligible transactions within 60 days of card approval. Valid until 1 June 2025. T&Cs apply.
Plus, get an additional 30k miles from Standard Chartered when you apply with annual fee payment (S$196.20 incl. GST). Valid until 30 June 2025. T&Cs apply.
Read more:
Multi-Currency Card vs Credit Card vs Cash For Travelling Overseas
Should You Pay in SGD With Your Credit Card Abroad?
#3: Up to S$500,000 travel insurance coverage (+ discounts)
Miles credit cards offering complimentary travel insurance coverage are pretty standard nowadays, and the SCB Journey Card is no different.
Travel with peace of mind with up to S$500,000 complimentary travel insurance coverage when you charge your travel tickets to the card. Insured by Allianz Travel, cardholders can expect the following coverage benefits:
- Up to S$1 million for death and/or permanent total disability
- Up to S$50,000 for medical expenses and S$500 for emergency dental treatment
- Up to S$100,000 for emergency medical assistance, evacuation, and repatriation
- Up to S$1,000 for baggage delay (S$200 per 6 consecutive hours)
- Up to S$5,000 for baggage loss (S$1,000 per article)
For more coverage details, please refer to their policy document here.
But besides the complimentary coverage, SCB Journey cardholders will also be entitled to 45% off single-trip plans with MSIG TravelEasy insurance. Applications are to be done through the SCBSL website. This promotion is only valid from 19 May 2023 to 30 June 2024. T&Cs apply.
Premiums start from S$34.10 for a 1-week journey in an ASEAN country.
Otherwise, you may also consider applying for this travel insurance plan through our current SingSaver promotion.
See also: Best Travel Insurance Plans and Promotions in Singapore
#4: Other airport perks
When travelling with a miles credit card, taking advantage of its airport perks is one of the best parts of the holiday experience.
When you are an SCB Journey cardholder, you'll be entitled to up to two complimentary Priority Pass lounge visits per year and S$10 off airport transfers from Changi Airport when you take a Grab (limited to first 2,000 redemptions only).
Access to Priority Pass lounges is usually a benefit reserved for higher tier credit cards like HSBC Visa Infinite and Citi Prestige; so getting this exclusive access for only S$30,000 minimum annual income isn't half-bad.
Although these aren't travel essentials, they definitely add privileged comfort that other regular airport-goers won't have access to, so that's always nice.
#5: 360° Rewards Points never expire
Points earned through the card's 360° Rewards Points program do not expire, so it only makes sense to convert them to miles when you are planning for an upcoming trip. You can convert your points to miles in a minimum block of 2,500 points (1,000 miles). Each points-to-miles conversion costs S$27.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Get a Samsonite Straren Spinner 67/24 (worth S$600), 12K Max Miles, or S$180 Cash upon activating and spending a min. of S$800 in eligible transactions within 60 days of card approval. Valid until 1 June 2025. T&Cs apply.
Plus, get an additional 30k miles from Standard Chartered when you apply with annual fee payment (S$196.20 incl. GST). Valid until 30 June 2025. T&Cs apply.
Cons ❌
#1: No exclusive bonus miles on travel booking sites
These days, many miles credit cards reward extra miles for booking your flights and accommodation on various partnered travel sites like Agoda, Expedia, and Kaligo to name a few.
For instance, the Citi PremierMiles gives up to 10 mpd for Kaligo bookings and up to 7 mpd for Agoda bookings while DBS Altitude gives up to 10 mpd for Kaligo bookings and up to 8 mpd for Expedia bookings.
As you can see, these rates are highly enticing and it'd be remiss not to take advantage of such easily-earned bonus miles. Unfortunately, SCB Journey doesn't offer such a card perk.
#2: Need to meet conditions to earn bonus welcome miles
Although SCB Journey has been a solid entrant so far, another downside is the multiple conditions needed to earn its bonus 45,000 welcome miles.
You'll have to accomplish two tasks:
1) Opt to pay the annual fee of S$196.20; this will net you 10,000 miles
2) Spend at least S$3,000 within the first 60 days of card approval; this will get you the remaining 35,000 miles
Once you both, you'll be awarded with 45,000 air miles, making for a decent start to your air miles game.
Other Standard Chartered credit card promotions to consider
SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered credit card. Eligible for new Standard Chartered cardholders only.
Standard Chartered Simply Cash Credit Card: Get a Bose QuietComfort Ultra Wireless Noise Cancelling Headphones (worth S$599), a Dyson AM07 (worth S$499), S$380 Shopee Voucher, or S$360 Cash upon activating and spending a min. of S$800 within 30 days of card approval. Valid until 1 June 2025. T&Cs apply.
Standard Chartered Smart Card and Rewards+ Card: Get a Hinomi H1 Classic V3 Ergonomic Office Chair (Without Headrest) (worth S$659), an Apple AirPods 4 (with Active Noise Cancellation) (worth $249), S$250 Shopee Voucher, or S$200 Cash upon activating and spending a min. of S$800 within 30 days of card approval. Valid until 1 June 2025. T&Cs apply.
Standard Chartered Journey Credit Card and Visa Infinite Card: Get a Samsonite Straren Spinner 67/24 (worth S$600), up to 42K Max Miles, S$250 Shopee Voucher, or up to S$250 Cash upon activating card, paying the annual fee, and spending a min. of S$800 within 60 days of card approval. Valid until 1 June 2025. T&Cs apply.
For SCB Visa Infinite Card: Alternatively, get S$100 Cash (fulfilled by SS) and 50K Miles (fulfilled by SCB) upon activating and spending a min. of S$2,000 in eligible transactions within 60 days of card approval, and pay the annual fee of S$599.50. Valid until 1 June 2025. T&Cs apply.
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⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$30. Valid until 1 June 2025. T&Cs apply.
- S$30.00 for a Sony Camera (ZV-1F) (worth S$769.00)
- S$50.00 for a Dyson Supersonic (worth S$649.00)
- S$1,200 for an Apple iPhone 16 Pro 256GB (worth S$1,749.00)
What fees or charges should you look out for?
- Effective interest rate: 26.9% p.a.
- Cash advance fee: 6% per transaction or S$15 plus finance charges at 0.082% per day
- Late payment fee: S$100
- Minimum payment: S$50 or 1% of principal amount plus interest, fees, and charges, and overlimit amount if any
- Foreign transaction fees: 2.5%
- Annual fee: S$196.20 (First year waived; 9% GST w.e.f. 1 Jan 2024)
- Transfer fees: S$27 (For KrisFlyer Miles, SC EasyRewards)
- 360° Rewards Points transfer fee: S$10 per 100,000 points transferred to nominee's credit card account
- Supplementary cards: Free for up to 5 cards
Eligibility criteria
- At least 21 years old
- Minimum annual income for Singaporeans/PRs: S$30,000
- Minimum annual income for Foreigners: S$90,000
How to apply?
Click on the ‘Apply Now’ button on this page and complete the application form on the SingSaver site. You will need to prepare the following documents for the application process:
- Front and back of NRIC/Passport/Employment Pass
- Salaried employees: Past 6 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
- Self-employed: Copy of 2 years' worth of Income Tax Notice of Assessment (NOA) and latest original computerised payslip
Should you get the Standard Chartered Journey Credit Card?
If you're planning a trip to Perth, Australia soon, signing up for the SCB Journey Card might just come in clutch with its 45,000 welcome miles gift. All in all, this card refresh seems to be a good step in the right direction.
With its accelerated 3 mpd rate on transport, food delivery, groceries, and food store, this miles card acts well as both an everyday spend and travel card.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Get a Samsonite Straren Spinner 67/24 (worth S$600), 12K Max Miles, or S$180 Cash upon activating and spending a min. of S$800 in eligible transactions within 60 days of card approval. Valid until 1 June 2025. T&Cs apply.
Plus, get an additional 30k miles from Standard Chartered when you apply with annual fee payment (S$196.20 incl. GST). Valid until 30 June 2025. T&Cs apply.
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DBS Altitude Card product summary
| Local spend | 1.2 mpd |
| Foreign spend | 2 mpd |
| Bonus spend | 3 mpd on online flight and hotel transactions (capped at S$5,000 per month) |
| Up to 10 mpd on Kaligo bookings | |
| Up to 8 mpd on Expedia bookings | |
| Airport lounge access | 2 complimentary visits per year |
| ⭐ DBS Points never expire | |
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🎁 Welcome gift: Receive up to 30,000 bonus Citi miles when you spend min. S$800 within first 2 months of card approval
Citi PremierMiles Card product summary
| Local spend | 1.2 mpd |
| Foreign spend | 2 mpd |
| Bonus spend | Up to 10 mpd on Kaligo bookings |
| Up to 7 mpd on Agoda bookings | |
| Airport lounge access | 2 complimentary visits per year |
| Travel insurance | Up to S$1 million complimentary coverage |
| ⭐ Citi Miles never expire | |
OCBC 90°N Card product summary
| Local spend | 1.3 mpd |
| Foreign spend | 2.1 mpd |
| Bonus spend | Up to 7 mpd in foreign currency on accommodations booked on Agoda |
| Up to 6 mpd in local currency on accommodations booked on Agoda | |
| ⭐ 90ºN Miles never expire | |
HSBC TravelOne Card product summary
| Local spend | 1.2 mpd |
| Foreign spend | 2.4 mpd |
| Bonus spend | Up to 10 mpd on Kaligo bookings |
| Up to 7 mpd on Agoda bookings | |
| Airport lounge access | 4 complimentary visits per year |
| Travel insurance | Up to S$100,000 complimentary coverage (including COVID-19 coverage) |
| ⭐ No conversion fee for air miles or hotel points till 31 Dec 2023 | |
| ⭐ 25,000 Rewards Points = 10,000 miles | |
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