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.
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
Log into your MoneySmart account and submit a claim by 28th March 2025.
Get S$180 Cash via PayNow when you apply through MoneySmart!
Customers will receive their Sign-Up Reward 4 to 5 months after the end of the campaign month (28 February 2025).
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
For more information on the Standard Chartered Journey Credit Card Miles Promotion, refer to the Terms and Conditions here.
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.
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.
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% |
Check out the Standard Chartered Journey Credit Card Review to learn more on how to maximise your miles game today!
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?
Annual fee:$196.20 (First year waived with “ANNUAL FEE WAIVED” option selected)
Interest on purchases: :27.9% p.a
Minimum annual income:
Annual fee:$196.20 (First year waived)
Interest on purchases: :27.8% p.a
Minimum annual income:
Annual fee:$196.20 (First year waived)
Interest on purchases: :27.9% p.a
Minimum annual income:
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.
Singapore Citizens / PRs | Foreigners | |
---|---|---|
Age | 21 and above | 21 and above |
Minimum annual income | $30,000 | $60,000 |
Documents required | For salaried employees: For self-employed: For commission-earners: | Any one of the following: |
Here are 3 simple steps to apply for the Standard Chartered Journey Credit Card:
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.
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.
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.