Standard Chartered Journey Credit Card (No Annual Fee)
Apply now and redeem any of these:
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MoneySmart Exclusive
S$180 Cash via PayNow
S$180 Cash via PayNow
FREE with SmartPoints
LEVEL8 Voyageur 20-inch Luggage (Matcha Green Colour)
2725 SmartPoints
worth S$399
LEVEL8 Voyageur 20-inch Luggage (Matcha Green Colour)
2725 SmartPoints
worth S$399
FREE with SmartPoints
TTRacing Swift X Pro Gaming Chair (Black)
2790 SmartPoints
worth S$429
TTRacing Swift X Pro Gaming Chair (Black)
2790 SmartPoints
worth S$429
Only $110 with SmartPoints
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
View more rewards
View more rewards
Get S$180 Cash via PayNow or 2,800 SmartPoints (worth up to S$429 of Gifts) when you spend min. S$800 in 60 days AND apply to any of the following SCB products through MoneySmart (Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer). T&Cs apply.
[Stackable Miles Promotion]
Get 20,000 miles when you spend a min. of S$800 within first 60 days of card approval. T&Cs apply.
Valid till 15 Jun 2026
ARE YOU ELIGIBLE?
Promotion is valid from 01-June-2026 to 15-June-2026
Applicable for New-to card holders only
Customers need to apply through MoneySmart to be eligible
Spend a minimum of S$800 in eligible transactions (on either the physical or digital version of the Credit Card) within 60 days from the Credit Card’s approval date
Apply and get approval for 1 of the following SCB products: EasyPay, Bonus$aver Account, CashOne Loan, Funds Transfer
Log into your MoneySmart account and submit a claim by 15th July 2026.
WHAT YOU NEED TO KNOW
To be eligible for the Rewards, Customers must apply and attain approval for any of the following Standard Chartered Bank products through MoneySmart, on top of meeting the spend criteria:
SC EasyPay: Split 3 card purchases of at least S$150 each into 12-month instalments within 60 days of card approval
Standard Chartered Bonus$aver Account: Open a Bonus$aver account here and deposit at least $3,000 within 60 days of card approval.
Standard Chartered Bonus$aver Account: Sign up for a Bonus$aver Account and a Bonus$aver World Mastercard Credit Card now, and get S$138 cashback, when you deposit and maintain S$50,000 in fresh funds upon account opening. Offer valid from 1 April – 31 May 2026. T&Cs apply.
Standard Chartered CashOne Loan: Apply for a CashOne personal loan here and get approved of at least $1,000 with a 12-month tenure within 60 days.
Funds Transfer: Apply for a credit card funds transfer here and get approved of at least $1,000 with a 3-month tenure within 60 days.
[Stackable Miles Promotion]
Earn 20,000 miles when you spend a min. of S$800 within first 60 days of card approval and selection of first year annual fee waiver. T&Cs apply.Use 2,800 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (30 June 2026).
MoneySmart exclusive rewards do not stack with external or third-party promotions unless otherwise stated. See T&Cs for details.
Card Details
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Standard Chartered Journey Credit Card Benefits 2025
Customer Reviews on MoneySmart Credit Card Applications
Pros & Cons Of SCB Journey Credit Card
Pros ✅
- 7.5 Rewards Points / 3 miles per dollar spend on select online transactions (i.e. transport, groceries, and food delivery)
- 5 Rewards Points / 2 miles per dollar on overseas spend
- 3 Rewards Points / 1.2 miles per dollar on local spend
- Receive up to 25,000 welcome miles + complimentary first-year annual fee waiver when you:
- Select “FEE WAIVED” option upon card application
- Spend min. S$3,000 in eligible transactions within first 2 months of card approval
- Receive 10,000 miles when paying annual fee during subsequent card renewals
- Flexible redemption option between reward points, air miles, cash rewards, or shopping vouchers
- SCB 360º Rewards Points do not expire
- 2 complimentary Priority Pass airport lounge visits per year
- Up to S$500,000 complimentary travel insurance coverage when you charge travel fare to card
- Enjoy exclusive 45% off MSIG TravelEasy Insurance with first 8 digits of card number
- Enjoy exclusive access to over 3,000 participating merchants and privileges under The Good Life® programme
Cons ❌
- Increased retail interest rate from 26.9% to 27.9% p.a.
- Bonus rewards points/miles capped at 4,500 points or S$1,000 respectively per month
- No exclusive travel booking bonuses
Standard Chartered Journey Credit Card Interest Rates & Fees
But besides the annual fee, cardholders can also expect to be charged other fees such as cash advance transaction fee, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
| Fees & charges | |
|---|---|
| Annual fee | $196.20 (First year waiver with “ANNUAL FEE WAIVED” option selected) |
| Late payment fee | $100 |
| Cash advance fee | $15 or 8% of cash advance amount, whichever is higher |
| Interest on purchases | 27.9% p.a. EIR, with 0.076% interest compounded daily if full payment is not made by due date |
| Air miles transfer fee | $27.25 per conversion (for both KrisFlyer miles & SC EasyRewards) |
| 360º Rewards Points transfer fee | $10 per 100,000 360º Rewards Points converted |
| Foreign transaction fee | 3.5% |
| Dynamic currency conversion (DCC) fee | 1% |
Want to Make Your Journey More Rewarding?
Check out the Standard Chartered Journey Credit Card Review to learn more on how to maximise your miles game today!
Comparison: SCB Journey vs KrisFlyer UOB vs Citi PremierMiles Card
For starters, the KrisFlyer UOB Card features 3 miles per dollar on Singapore Airlines-related expenses (e.g. SIA and Scoot flights, KrisShop, Kris+) and select local online transactions and 1.2 miles per dollar on all other spend. Meanwhile, the Citi PremierMiles Card also rewards an attractive 1.2 miles per dollar on local spend, up to 2.2 miles per dollar on overseas spend (including retail and online), and even up to 10 miles per dollar on select online hotel and flight bookings.
With a plethora of options to choose from, the real question is: Which one best suits your travel habits and spending patterns?
Interest on purchases: :27.9% p.a
Minimum annual income:
Miles & travel benefits:
Interest on purchases: :27.8% p.a
Minimum annual income:
Miles & travel benefits:
Interest on purchases: :27.9% p.a
Minimum annual income:
Miles & travel benefits:
In contrast, although the KrisFlyer UOB Card is a worthy contender, its 3 miles per dollar on local everyday expenses comes with a catch—you must hit a minimum of $800 annual spend on Singapore Airlines-related transactions. Otherwise, you won’t enjoy this bonus miles.
Meanwhile, the Citi PremierMiles Card takes a more straightforward approach, prioritising specific travel bookings on OTA platforms and overseas spend.
Ultimately, if you’re an infrequent traveller and are in need of an everyday miles card, the SCB Journey Card could be your cup of tea.
Standard Chartered Journey Credit Card Eligibility Requirements
| Singapore Citizens / PRs | Foreigners | |
|---|---|---|
| Age | Singapore Citizens / PRs21 and above | Foreigners21 and above |
| Minimum annual income | Singapore Citizens / PRs$30,000 | Foreigners$90,000 (w.e.f. 29 March 2025) |
| Documents required | Singapore Citizens / PRsFor salaried employees: For self-employed: For commission-earners: | Foreigners Any one of the following: |
How to Apply for the Standard Chartered Journey Credit Card in Singapore?
Here are 3 simple steps to apply for the Standard Chartered Journey Credit Card:
Apply via MoneySmart
Start your application by clicking the “Apply Now” button via MoneySmart.
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
Provide all documentation required
You'll need to provide all the necessary documentation in order for Standard Chartered Bank to approve your credit card application.
Refer to the necessary documents above.
Receive your Standard Chartered Journey Credit Card
Activate your SCB Journey Card instantly through the SC Mobile App through the Services tab (bottom-right corner).
Navigate to “Digital Services” > “Credit Card Activation & PIN Set”
And voila, you can start accessing your SCB Journey’s 360º point rewards all in one place.
Frequently Asked Questions about SCB Journey Credit Card
What are the fees payable when I apply for the Standard Chartered Journey Credit Card?
- Besides the annual fee waiver, other fees to take note of are cash withdrawal fees, cash advance fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
Am I eligible for the Standard Chartered Journey Credit Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $90,000 (Foreigners) (w.e.f. 29 March 2025), you’re eligible to apply for the SCB Journey Credit Card.
If I’m late for my monthly Standard Chartered Journey Credit Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Standard Chartered Bank at the point of your late payment.
What are the air miles benefits of a Standard Chartered Journey Credit Card?
- The benefits include:
- Up to 10,000 air miles upon card renewal
- 7.5 Rewards Points / 3 miles for every S$1 spent on online transactions for transportation, grocery and food delivery
- 5 Rewards Points / 2 miles for every S$1 spent overseas
- 3 Rewards Points / 1.2 miles for every S$1 spent locally
- 2 complimentary airport lounge visits for primary cardholders
- Complimentary travel insurance coverage
How to view or redeem my SCB Journey Credit Card rewards?
- Click on your SCB Journey credit card on the SC mobile app and select “Rewards” to view all your existing points available for redemption.
Why can’t I view some of my credit card transactions?
- All posted and unposted transactions will appear in your “Card Activity”. However, some pending transactions may take time to be reflected in your account.
What happens if I spend beyond $1,000 on bonus categories in a statement cycle?
- You will earn the maximum 3,000 bonus miles (equivalent in 360º Rewards Points) in those bonus spend categories.
Which bonus spend categories allow me to earn 3 miles per dollar?
- The eligible merchants (MCCs) are as follows:
- Transport merchants under MCCs 4111, 4121, 4411, and 4789 (e.g. Grab, Gojek, Royal Caribbean Cruises, etc.)
- Grocery/food stores under MCCs 5411, 5462, 5499, 5921 (e.g. NTUC FairPrice Online, Lazada Redmart, etc.)
- Food delivery under MCCs 5811, 5812, 5814 (e.g. foodpanda, Deliveroo, McDonald’s, etc.)