Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)

The newly rebranded Standard Chartered Journey Credit Card allows you to earn 3 miles per dollar on local online transactions, such as transportation, grocery and food delivery merchants. Other local spend earns you 1.2 miles per dollar while oversea spends nets you 2 miles per dollar. Your miles never expire and foreign transaction fees are waived from June to July and November to December. Plus, you'll also enjoy 2 complimentary Priority Pass airport lounge access per year.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
layers

Highlights

Card benefit
 miles / dollar
info
Annual Fee
S$ 196.2
info
Monthly Spend Required
Minimum Annual Income
S$ 30,000
Offer Available
Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles
SingSaver Exclusive Offer
Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Journey Card and make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
  • Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 30,000 miles
  • Terms and Conditions apply.
Up to 42,000 Miles
SingSaver Exclusive Offer
Up to 42,000 Miles
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Journey Card and make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
  • Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 30,000 miles
  • Terms and Conditions apply.
S$180 Cash + 30,000 miles
SingSaver Exclusive Offer
S$180 Cash + 30,000 miles
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Journey Card and make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
  • Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 30,000 miles
  • Terms and Conditions apply.
S$250 Shopee Vouchers + 30,000 miles
SingSaver Exclusive Offer
S$250 Shopee Vouchers + 30,000 miles
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Journey Card and make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
  • Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 30,000 miles
  • Terms and Conditions apply.

Things to consider

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

Travel insurance

sentiment_satisfied

Benefits

AirMiles

credit_card
Airmiles Base Rate
1.2  miles / dollar
info
location_on
Airmiles Local
1.2  miles / dollar
flight
Airmiles Overseas
2  miles / dollar
restaurant
Airmiles Dining
3  miles / dollar
info
shopping_bag
Airmiles Local Online Shopping
3  miles / dollar
shopping_bag
Airmiles Overseas Online Shopping
2  miles / dollar
shopping_cart
Airmiles Supermarket
3  miles / dollar
info
commute
Airmiles Transport
3  miles / dollar
info
luggage
Airmiles Travel
3  miles / dollar
info
bed
Airmiles Hotel Booking
3  miles / dollar
shift_lock
Airmiles Bonus Cap
3,000  miles / statement month
info
sports_score

Quick Facts

check_circle

Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.

check_circle

Earn 2 miles for every S$1 on foreign currency transactions.

check_circle

Earn 1.2 miles for every S$1 spent locally.

check_circle

S$10 off Grab rides to or from Changi Airport.

check_circle

2 complimentary visits to Priority Pass lounges around the world each year.

check_circle

Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.

check_circle

Rewards points do not expire.

check_circle

Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.

check_circle

Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.

help

Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

lightbulb

Guides

rule_folder

Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
local_atm

Fees / Repayment

Fees

Annual Fee
S$ 196.2
info
Foreign Currency Transaction Fee
3.5  %
Cash Advance Service Charge
S$ 15
info
Air Miles Conversion Fee
S$ 27
info

Repayment

Minimum Payment
S$ 50
info
Late Payment Charge
S$ 100
info
Interest on Purchase
27.9  %
Interest on Cash Advance
29.9  %
Interest Free Period
22  Days
grid_view

Others

Association

VISA

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Standard Chartered Journey Credit Card (Annual Fee Paying) Standard Chartered Journey Credit Card (Annual Fee Paying)

Read SingSaver’s full review of the Standard Chartered Journey Credit Card

Pros & Cons

Pros

Cons
  • Versatile for everyday spending: Excellent for earning rewards on both overseas and local everyday expenses.
  • Generous welcome bonus: New cardholders can earn up to 30,000 bonus miles upon signing up if they pay the annual fee for the first year.
  • Travel protection included: Comes with travel insurance coverage of up to $500,000, plus potential discounts.
  • No special travel booking bonuses: Doesn't offer bonus miles for bookings made through travel websites.
  • Conditions for welcome bonuses apply: Specific requirements need to be met to qualify for the full welcome bonus miles.
  • Spending caps for bonus miles: Bonus rewards points or miles for transport, online groceries, and food delivery are capped at a $1,000 spend per statement month for each category, with a maximum monthly bonus of 3,000 miles (credited as 7,500 Rewards Points).

Who is this card for

The Standard Chartered Journey Credit Card is ideal for those who want to earn more miles from local online transactions in everyday expenses, such as transport, food delivery, and groceries. New customers enjoy a welcome bonus of up to 30,000 miles if they choose to pay the annual fee for the first year instead of opting for the waiver, and it comes with complimentary travel insurance coverage of up to $500,000. This makes it an excellent choice for those seeking a card that effectively balances daily spending with travel rewards.

Compare to other cards

The Standard Chartered Journey Credit Card offers a well-rounded value proposition with its uncapped mile-earning potential and an attractive 3 miles per dollar on everyday online transactions across transport, food delivery, and groceries, making it a versatile choice for both travel and everyday spend. However, its higher minimum income requirement for foreigners ($90,000) might be a barrier for some, and the bonus 3 mpd is capped at a total spend of $1,000 per month across the eligible categories.

The Citi PremierMiles Card appeals with its promotional earn rates and the significant advantage of having miles that never expire, catering to those who prefer to accumulate miles over the long term. However, it lacks the high everyday spending bonus of the Journey card, and the base earn rate of 1.2 mpd on local spend may not suit those who don't often spend on foreign currency or use online travel booking sites such as Kaligo or Agoda.

The KrisFlyer UOB Card is ideal for frequent flyers of Singapore Airlines, offering 3 miles per dollar on SIA-related and everyday spending with no bonus miles cap, alongside pathways to accelerate KrisFlyer Elite status. Despite these perks, the 3 mpd earn rate on everyday spending has specific merchant limitations, and the 1.2 mpd on all other spending is a standard rate that doesn't stand out against competitors.

Standard Chartered Journey Credit Card


Interest rate: 27.9% per annum.


Annual fee: $196.20 (First year waiver optional).


Minimum annual income: 

$30,000 (Singaporeans/PRs) 

$90,000 (Foreigners)


Benefits:

  • Up to 30,000 bonus welcome miles for new sign-ups.
  • Earn 3 miles per $1 spend on online transactions in transportation, grocery, and food delivery.
  • Earn 1.2 miles per $1 on local spend and 2 miles per $1 on foreign spend.
  • Up to $500,000 travel insurance coverage.
  • 45% off all single-trip plans with MSIG TravelEasy Insurance.
  • 2 complimentary Priority Pass airport lounge access per year.
  • $10 off Grab ride for Changi Airport transfers (capped at first 2,000 redemptions).
  • 360º Rewards Points never expire.

Citi PremierMiles Card


Interest rate: 27.9% per annum.


Annual fee: $196.20 (first year waived).


Minimum annual income: 

$30,000 (Singaporeans/PRs) 

$42,000 (Foreigners)


Benefits:

  • 1.2 Citi Miles per $1 on local spend.
  • 2.2 Citi Miles per $1 on foreign currency spend.
  • Up to 30,000 bonus Citi Miles for spending $800 in the first 2 months.
  • Up to 10 Citi Miles per $1 on select online travel bookings
  • 2 complimentary Priority Pass™ lounge visits per year.
  • Citi Miles never expire.

Learn More

KrisFlyer UOB Credit Card


Interest rate: 27.8%


Annual fee: $196.2 (First year waived)


Minimum annual income: $30,000


Benefits:

  • Earn up to 3 KrisFlyer miles per $1 spent on Singapore Airlines, Scoot, KrisShop, Kris+, and selected categories.
  • Earn 1.2 KrisFlyer miles per $1 on all other spending.
  • 5,000 welcome miles with your first eligible spend (minimum $5).
  • 10,000 KrisFlyer miles upon annual renewal fee payment.
  • Enjoy exclusive privileges on Scoot, KrisShop, Grab rides, and more.

Learn More

Credit card application

Step 1: Start your application on SingSaver

  • Click on the “Apply Now” button.
  • You’ll be redirected to Standard Chartered’s secure application portal to complete your application.

Step 2: Fill in your personal and financial details

  • Provide basic information such as your name, NRIC, contact details, and income.
  • For faster processing, use MyInfo via SingPass to auto-fill your details securely.
  • If you prefer, you can also enter your information manually.

Step 3: Upload your supporting documents

To verify your eligibility, you’ll need to provide the following documents (especially if you’re not using MyInfo):

  • Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners), and
  • Latest computerised payslip (or salary-credited bank statement from the past 3 months), or
  • Latest Notice of Assessment (NOA) from IRAS
  • Latest 6 months’ CPF Contribution History Statement

Step 4: Submit your application

  • Review your details carefully and submit your application.
  • Standard Chartered typically processes applications within 14 working days. You’ll receive email or SMS updates on your application status.

Step 5: Receive your card

  • Once approved, your new Standard Chartered Journey Credit Card will be mailed to your registered address.
  • Follow the activation instructions included with your card.

Credit card application resources

Need a card that matches how you spend and live? Check out our top recommendations by category below:

Frequently asked questions about the Standard Chartered Journey Credit Card

Are there annual fees for the Standard Chartered Journey Credit Card?

expand_more

Yes, the annual fee is $196.20. It's optionally waived for the first year.

What is the income requirement for the Standard Chartered Journey Credit Card?

expand_more

The minimum annual income required is $30,000.

What is the interest rate for the Standard Chartered Journey Credit Card?

expand_more

The effective interest rate (EIR) is 27.9% per annum (minimum).

What are the benefits of the Standard Chartered Journey Credit Card?

expand_more
  • Up to 3 miles per dollar on online transactions from transportation, grocery, and food delivery merchants (capped at $1,000 spend per statement month).  
  • 2 miles per dollar on online grocery purchases (capped at $1,000 per statement month).
  • Up to 30,000 bonus welcome miles for new sign-ups.
  • 1.2 miles per dollar on any local spending.
  • 2 miles for every $1 on foreign currency transactions.

Are there extra perks for the credit card?

expand_more
  • 2 complimentary Priority Pass airport lounge access per year.
  • $10 off Grab rides to or from Changi Airport.
  • Complimentary travel insurance coverage of up to $500,000.
  • Access to card offers and privileges on Standard Chartered The Good Life programme.

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.