Standard Chartered Journey Credit Card (No Annual Fee)

Standard Chartered Journey Credit Card (No Annual Fee)

Annual Fee Waived
Introducing the Standard Chartered Journey Credit Card – your ultimate companion for rewarding journeys and everyday expenses. Earn 3 miles per S$1 spent on transportation, food deliveries, and online groceries, making your daily commute and dining experiences even more rewarding. Earn 2 miles per S$1 for overseas spend, perfect for your international adventures. Plus, earn 1.2 miles per S$1 for local spends, ensuring you accumulate miles no matter where you are
S$1 = 3 Miles
for every S$1 spend on Food Delivery & Online Grocery merchants. Capped at 3,000 Miles in a statement cycle
S$1 = 2 Miles
for all Eligible Foreign Spends
S$1 = 1.2 Miles
for all Eligible Local Spends
MoneySmart Exclusive

Get S$180 Cash via PayNow when you apply through MoneySmart and spend a min. of S$500 in eligible transactions within 30 days from card approval date! T&Cs apply.
 
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply. Earn up to 25,000 Miles when you sign up for the Journey Credit Card, meet the eligible spends and waive your card's first year Annual Fee. T&Cs apply.

Valid until 28 Feb 2025 - See more details below

Are you eligible?

    • Promotion is valid from 01-February-2025 to 28-February-2025

    • Applicable for New-to card holders only

    • Customers need to apply through MoneySmart to be eligible

    • Charge a minimum of S$500 in eligible transactions (on either the physical or digital version of the Credit Card) within 30 days from the Credit Card’s approval date on the approved Credit Card

What you need to know

  1. Log into your MoneySmart account and submit a claim by 28th March 2025.

  2. Get S$180 Cash via PayNow when you apply through MoneySmart!

  3. Customers will receive their Sign-Up Reward 4 to 5 months after the end of the campaign month (28 February 2025).

  4. Earn up to 25,000 Miles when you:
    - Select the "ANNUAL FEE WAIVED" during application
    - Spend a min. of S$3,000 in Eligible Transactions within the first 2 months from card approval

  5. For more information on the Standard Chartered Journey Credit Card Miles Promotion, refer to the Terms and Conditions here.

  6. Apply for a SCB Credit Card through MoneySmart and stand to win a Porsche Taycan Base when you participate in the SC Million Reasons to be Happier Lucky Draw! Refer to the T&Cs here for more details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Spending on the bonus categories to earn up to 3 miles per S$1

Categories to maximise this card

Transportation, Food deliveries, and Online Groceries spends

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Standard Chartered Journey Credit Card Benefits 2025

Formerly known as the Standard Chartered X Credit Card, the Standard Chartered Journey Credit Card is now its new and improved version and is among Standard Chartered’s best cards for entry-level rewards card with extra earn rates for online transport, food delivery and grocery transactions.

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

Here at MoneySmart, we offer two annual fee options upon applying for the Standard Chartered Journey Credit Card. For the non-annual fee option, new-to-bank applicants stand to receive up to 25,000 welcome miles and complimentary first-year annual fee waiver when you select “ANNUAL FEE WAIVED” during application and spend at least S$3,000 in eligible transactions within the first 2 months of card approval. Subsequently, the S$196.20 annual fee will be imposed upon card renewal each year.

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

When it comes to travel credit cards, there’s no doubt that the Standard Chartered Journey Credit Card stands out as an attractive option. Offering 3 miles per dollar on select local online expenses, 2 miles per dollar on overseas spend, and 1.2 miles on all other spend, what’s not to like? But how does it compare to other popular miles credit cards?

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?

SCB Journey Credit Card

Annual fee:$196.20 (First year waived with “ANNUAL FEE WAIVED” option selected)

Interest on purchases: :27.9% p.a

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners

  • Miles & travel benefits:
  • 7.5 Rewards Points / 3 miles per dollar spent on select online transactions for transportation, grocery and food delivery
  • 5 Rewards Points / 2 miles per dollar spent overseas
  • 3 Rewards Points / 1.2 miles per dollar on all other local spend
  • 360º Rewards Points never expire
  • 2 complimentary Priority Pass airport lounge visits per year for primary cardholders
  • Up to S$500,000 complimentary travel insurance coverage when you charge travel fare to card
  • Receive up to 25,000 miles when you select “ANNUAL FEE WAIVED” + spend min. $3,000 on eligible transactions within first 2 months of card approval
  • KrisFlyer UOB Card

    Annual fee:$196.20 (First year waived)

    Interest on purchases: :27.8% p.a

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

  • Miles & travel benefits:
  • 3 miles per dollar on Singapore Airlines-related expenses (e.g. SIA and Scoot flights, KrisShop, Kris+)
  • 3 miles per dollar on select local spend with min. S$800 annual spend on SIA-related transactions
  • 1.2 miles per dollar on overseas spend
  • Fast-track upgrade to KrisFlyer Elite Silver status
  • Up to S$500,000 complimentary travel insurance coverage when you charge travel fare to card (at least 5 working days before trip)
  • Exclusive KrisShop and Kris+ discounts and privileges
  • 10,000 KrisFlyer miles renewal bonus when you pay annual fee
  • Citi PremierMiles Card

    Annual fee:$196.20 (First year waived)

    Interest on purchases: :27.9% p.a

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

  • Miles & travel benefits:
  • 1.2 miles per dollar on local spend
  • Up to 2.2 miles per dollar on overseas spend
  • Up to 10 miles per dollar on select online travel and flight bookings via Agoda and Kaligo
  • Citi Miles never expire
  • 2 complimentary airport lounge visits per year
  • 10,000 Citi Miles renewal bonus when you pay annual fee
  • Earn Citi Miles on rent, insurance premiums, education expenses, and others with Citi PayAll
  • Based on this comparison, the SCB Journey Card stands out as an all-rounded miles credit card, offering a strong 3 mpd on both local (online) everyday expenses and overseas spend.

    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.

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    Standard Chartered Journey Credit Card Eligibility Requirements

    Singapore Citizens / PRsForeigners
    Age21 and above21 and above
    Minimum annual income$30,000$60,000
    Documents requiredFor salaried employees:
  • Copy of NRIC (front & back)
  • Latest computerised payslip, or
  • Latest 6 months’ CPF Contribution History Statement, or
  • Latest Income Tax Notice of Assessment (NOA)


  • For self-employed:
  • Copy of 2 year income tax notice of assessment

  • For commission-earners:
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)
  • Copy of Passport & Employment Pass (with 6 months’ validity)

  • Any one of the following:

  • Latest utility bill, rates or tax bill
  • Latest bank / credit card statement (e-Statements are accepted)
  • Rental agreement showing your address
  • Latest mobile phone statement or pay-TV statement
  • Letter from employer stating current address
  • Government-issued document stating current address (e.g. IRAS, CPF, ICA)
  • 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:

    Step 1

    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.

    Step 2

    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.

    Step 3

    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 $60,000 (Foreigners), 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.)