Standard Chartered Journey Credit Card (No Annual Fee)

Standard Chartered Journey Credit Card (No Annual Fee)

Standard Chartered Journey Credit Card (No Annual Fee)

Standard Chartered Journey Credit Card (No Annual Fee)

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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
16%
Upfront Discount at Caltex Singapore
S$1 = 1.2 Miles
for all Eligible Local Spends
S$1 = 2 Miles
for all Eligible Foreign Spends
MoneySmart Exclusive

[Trip.com Coupon FLASH DEAL]
Get UPSIZED REWARDS of up to S$230* 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 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 31 Jul 2024 - See more details below

Are you eligible?

    • Promotion is valid from 17-July-2024 16:00 SGT to 31-July-2024

    • 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 30th August 2024.

  2. Get  UPSIZED REWARDS of up to S$230* when you apply through MoneySmart!
    - S$150 Cash via PayNow
    - S$80 Trip.com Coupon

  3. The S$80 Trip.com Coupon consists of a: S$50 New User Coupon & S$30 Existing User Coupon. Refer to T&Cs for more details.

  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.

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

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Standard Chartered Journey Credit Card Benefits 2024

Formerly known as the Standard Chartered X Credit Card, the Standard Chartered Journey Credit Card is now a rebranded version of Standard Chartered X Credit Card and among Standard Chartered’s best cards for entry-level rewards card with extra earn rates for online transport, food delivery and grocery transactions. The benefits include 35,000 bonus miles with a minimum spend of S$5,000 locally within 30 days, a miles earn rate of 3 miles for every S$1 spent on selected eligible purchase categories, first-year annual fee waiver, 360 Rewards Points to redeem for preferred perks and more. In this review, let’s have a look at the requirements, pros and cons and other relevant details of the Standard Chartered Journey Credit Card before you decide to apply for it.

Pros & Cons

Pros

  • Interest rate of 26.90%
  • 35,000 bonus miles with a minimum spend of S$5,000 locally within 30 days
  • 3 miles for every S$1 spent on online transactions i.e. transportation, grocery and food delivery
  • 2 miles for every S$1 spent overseas
  • No annual fee charges
  • No annual fee charges for supplementary card
  • No expiry for Standard Chartered 360 Rewards Points awarded
  • No foreign transaction fee charges for overseas spend made and posted from June to July, and November to December 2023
  • Complimentary travel insurance coverage of up to S$500,000
  • Convenient online application with SingPass
  • Complimentary access to Priority Pass lounges around the world per year (2 visits per year)

Cons

  • 3,000 Miles cap limit per statement cycle
  • Cash advance transaction fee
  • Foreign currency transaction fee after 2023
  • Overlimit fee

Standard Chartered Journey Credit Card Interest Rates & Fees

As compared to some banks that charge processing fees or initial annual fee, the Standard Chartered Journey credit card does not charge any annual fee but do charge other fees such as cash advance transaction fee, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee. This card will only be useful to you if your monthly spending is enough to make the most out of its key benefit which rewards you with 3 miles per S$1 spent on online transactions for transport, grocery and food delivery, which means reaching the spend cap of S$1,000 every month.

Standard Chartered Journey Credit Card Review

Is the SC Journey Credit Card just a regular entry-level miles credit card on the scene, or is it a cut above the rest? We take a closer look.

Read card review

Standard Chartered Journey Credit Card Application

Here are 3 simple steps to apply for the Standard Chartered Journey Credit Card

Step 1

Apply via MoneySmart’s Credit Cards page

Begin by clicking on our Standard Chartered Journey Credit Card application link. You’ll have the option to apply online via Standard Chartered’s website using SingPass MyInfo. Once you’ve selected this option, Standard Chartered will pull your identity and income data from SingPass (which is already verified). This will reduce the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all documentation required

You’ll need to provide all the necessary documentation in order for Standard Chartered to approve your credit card application. This list of documents include:

  • NRIC or other identification details Latest computerised payslip
  • Latest 6 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

Step 3

Receive your Standard Chartered Journey Credit Card

When you’ve provided all the documentation, Standard Chartered will prompt you to activate your Standard Chartered Journey Credit Card through the SC Mobile Singapore App and create your 6-digit Unlock Code to secure your credit card transactions.

Compare SCB Journey Credit Card vs. Citi PremierMiles Card vs. HSBC TravelOne Card

Besides Standard Chartered’s Journey Credit Card, others like the CitiPremierMiles Card and HSBC TravelOne Card are among the many air miles credit card options you would have seen on MoneySmart’s online credit card comparison wizard.

Here’s a quick comparison of these 3 credit cards, with a focus on the key factors including the interest rates, annual fees, minimum annual income requirements and air miles benefits.

Considering that all 3 credit cards offer the same interest rate and annual fee, what differentiates them from each other are the air miles benefits that each one of them provides. Among the 3 cards, Standard Chartered’s Journey Credit Card gives you the most flexibility with no annual fee charges.

However, in terms of the miles earn rate, CitiPremier Miles card seems to offer the best rate for with up to 10 miles for every S$1 spent on online hotel bookings and it has the most generous welcome bonus air miles.

SCB Journey Credit Card

Interest rate:

  • 26.90%
    • Annual fee:
  • None
    • Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners
    • Air miles benefits:
  • Welcome gift of up to 10,000 air miles upon annual fee payment
  • 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

    • CitiPremierMiles Card

    Interest rate:

  • 26.90%
    • Annual fee:
  • $196.20 (incl. 9% GST, no waiver available)
    • Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners
    • Air miles benefits:
  • Welcome gift of up to 30,000 air miles upon annual fee payment
  • Up to 10 miles for every S$1 spent on online hotel bookings
  • 1.2 miles for every S$1 spent locally
  • Up to 4 miles for every S$1 spent overseas
  • No minimum spend required
  • Renewal bonus of 10,000 Citi Miles on your Card anniversary
  • 2 complimentary airport lounge visits for primary cardholders

    • HSBC TravelOne Card

    Interest rate:

  • 26.90%
    • Annual fee:
  • $196.20 (incl. 9% GST) for Year 1 (second year waiver available only upon minimum annual spending of S$25,000)
    • Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners
    • Air miles benefits:
  • Welcome gift of up to 20,000 air miles upon annual fee payment
  • 2.4 miles for every S$1 spent overseas
  • 1.2 miles for every S$1 spent locally
  • Complimentary travel insurance coverage
  • 4 complimentary airport lounge visits for primary cardholders

    • Frequently Asked Questions about SCB Journey Credit Card

    What are the fees payable when I apply for the Standard Chartered Journey Credit Card?

    The Standard Chartered Journey credit card does not charge any annual fee, but do charge other fees like cash withdrawal fees or cash advance transaction 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, you’re eligible to apply for the Standard Chartered Journey credit card, as long as you’re aged between 21 to 65, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $60,000 (for foreigners).

    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:
    • Welcome gift of up to 10,000 air miles upon annual fee payment
    • 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