Standard Chartered Journey Credit Card (Annual Fee Waiver)
Offers
SingSaver Reward up to S$600
- Samsonite Straren Spinner 67/24 (worth S$600)
- S$180 Cash via PayNow
- Samsung Galaxy Buds4 Pro (worth S$349)
- 12,000 Max Miles by HeyMax (worth S$216)
- SingSaver Exclusive Offer promotion is valid from 3 August 2026 to 31 August 2026.
- 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 date, plus any of the following SCB products to be eligible for reward:
- Apply for Standard Chartered EasyPay for at least 3 retail transactions on your credit card with min. amount of S$150 each and min. tenure of 12 months (within 60 days of card approval date); or
- Apply and open a Standard Chartered Bonus$aver Account with a min. deposit of S$3,000 (within 60 days of card approval date) (quick apply here); or
- Apply and get approved for a Standard Chartered CashOne Personal Loan with min. amount of S$1,000 and min. tenure of 12 months (within 60 days of card approval date) (quick apply here); or
- Apply and get approved for a Standard Chartered Credit Card Funds Transfer (CCFT) with min. amount of S$1,000 and min. tenure of 3 months (within 60 days of card approval date) (quick apply here)
- Apply for at least 3 EasyPay retail transactions on your credit card, each with min. amount of S$150 and min. tenure of 12 months, within 60 days of card approval. Application must be made via the SCB App.
- Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 30,000 miles
- Receive 30,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$800 within 60 days of card approval.
- Receive 20,000 miles when you apply with annual fee waiver and make a min. spend of S$800 within 60 days of card approval.
- Terms and Conditions apply.
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & cons
Pros
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.
Cons
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).
Check on more Standard Chartered card options
Standard Chartered Journey Credit Card (Annual Fee Waiver)
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.
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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:
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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:
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KrisFlyer UOB Credit Card Interest rate: 27.8% Annual fee: $196.2 (First year waived) Minimum annual income: $30,000 Benefits:
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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.
Frequently asked questions about the Standard Chartered Journey Credit Card
Yes, the annual fee is $196.20. It's optionally waived for the first year.
The minimum annual income required is $30,000.
The effective interest rate (EIR) is 27.9% per annum (minimum).
- 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.
- 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.
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