Standard Chartered Journey Card Review | What You Need to Know

The Standard Chartered Journey Card is a travel-oriented credit card designed to help you rack up points for future getaways. It offers attractive rewards for both local and overseas spending, with bonus points on everyday transactions and amplified earning on overseas purchases.

Standard Chartered Journey Sign Up Promotion:

  • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 12,000 Max Miles or S$180 Cash via PayNow when you spend S$500 within 30 days of card approval
  • Valid until 02 March 2025
  • Read Terms and Conditions here
  • Promotion is valid for new to bank credit card holders
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email to secure your rewards after you have applied!

Stackable with Direct Bank Rewards:

  • Receive up to 45,000 miles
    • Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
    • Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval[Recommended]

My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria of S$3000 within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.



Standard Chartered Journey Card Overview:

  • If you are looking for a credit card that rewards you for your online spending and travel, you might want to check out the Standard Chartered Journey Card. This card lets you earn up to 3 miles per dollar on selected online categories, such as transportation, grocery and food delivery. You can also earn 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. Unlike some other cards, your miles do not expire, so you can accumulate them for your dream vacation. What’s more, you can 2 free visits to Priority Pass airport lounges annually. The Standard Chartered Journey Card also comes with complimentary travel insurance coverage of up to S$500,000, and various other benefits and discounts that you can explore on their website.

Local Earn Rate
1.2 miles per dollar
Foreign Currency Earn Rate
2 miles per dollar
Bonus Earn Rate
3 miles per dollar capped at S$1,000 per statement month
Min. Miles Transfer
25,000 reward points (10,000 miles)
Transfer Fee
S$27.25 (incl. GST)
Points Pooling
Yes
Lounge Access
2x Dragon Pass
Airport Limo
No
Points Expiry
No Expiry

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$60,000 (foreigners)
  • Annual Fee: S$196.20 (including 9% GST) – this should be waivable.

Key Benefits:

  • Earn 1.2 miles per dollar (3x rewards points) locally
  • Earn 2 miles per dollar (5x rewards points) overseas
  • Earn 3 miles per dollar (7.5x rewards points) for selected bonus categories (online groceries, food delivery, transport) capped at S$1,000 per statement month.
  • Up to S$500,000 travel insurance coverage
  • 2 complimentary Priority Pass airport lounge access per year (allowed to admit one guest only under your complimentary visit entitlements)
  • Complimentary travel insurance coverage of up to S$500,000

Best Used For Local Online Spending Under Bonus Categories of S$1,000 and Below

  • With the 3 miles per dollar bonus rate on everyday spending such as transportation, food delivery, groceries, and food stores— this card can act as both travel and everyday spend card. Transactions must be done online and must spend locally. This has a spending cap of S$1,000 per statement month.

Bonus Transaction Categories
Definition
Merchant Examples
Transportation
Any online transaction with the following MCCs:
• 4111

• 4121

• 4411

• 4789

Grab

Gojek

Cabcharge Asia

Tada

Ryde Technologies

Royal Caribbean

Easybook.com
Food Delivery
Any online transaction with the following MCCs:
• 5814

• 5811

• 5812

GrabFood

Foodpanda

Deliveroo

McDonald’s

KFC

Pizza Hut

Dominos Pizza

Chilli Api Catering

Qi Ji Catering and others
Groceries and Food Stores
Any online transaction with the following MCCs:
• 5411

• 5462

• 5499

• 5921

GrabFood

Foodpanda

Deliveroo

McDonald’s

KFC

Pizza Hut

Dominos Pizza

Chilli Api Catering

Qi Ji Catering and others

Utilize 2 Complimentary Airport Lounge Passes

  • Enjoy complimentary digital Priority Pass™ membership as a Principal Cardmember, with access to participating airport lounges worldwide. If you bring a guest on your lounge visit, it counts as 2 visits, using up both of your complimentary visits. Your Priority Pass membership and complimentary visits are valid for 12 months from the approval date of your Priority Pass membership.

How to Apply:

Step 1: Send an SMS: SCX <space>PP<space>last 4 digits of credit card number to 77222

(Example: SCX PP 1234)

Step 2: An automated reply acknowledging the receipt of your SMS will be sent to you if successful

Step 3: A one-time unique code will be sent to your registered mobile number with the Bank via SMS within 14 working days to activate your Priority Pass membership.

Step 4: Click here to key in your one-time unique code in the Priority Pass activation link and complete the application to activate your Priority Pass.

Step 5: Download the Priority Pass mobile app from your App Store and log in with your User ID.

Step 6: Your digital Priority Pass is ready to use. Your physical membership card will be dispatched within 5 business days of your application being successfully accepted through normal mail.

Note that if you have other credit cards that give you lounge access too, you still need one Priority Pass account per card.

Exclusion List:

a. any cash advance;

b. any Credit Card Funds Transfer;

c. any monthly instalment of an EasyPay transaction;

d. any amounts charged to your Journey Card that is subsequently cancelled, voided, refunded or reversed;

e. AXS, SAM or ATM transactions made using your Journey Card;

f. any insurance premiums charged to your Journey Card;

g. recurring payments (being automatic payments where the Journey Cardholder or supplementary Journey Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her Journey Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;

h. any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);

i. amounts which have been rolled over from any preceding month’s statement;

j. tax refunds credited into your Journey Card;

k. charges incurred but not submitted or posted to your Journey Card account during the Journey Card Promotion Period;

l. any fraudulent retail transaction;

m. any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your Journey Card;

n. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:

  • any transaction classified under either of the following Merchant Category Codes:
    • Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
    • Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
  • any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time: · EZ LINK PTE LTD · EZLINK* · TRANSIT LINK* · EZ LINK PTE LTD (FEVO) · EZ LINK · TRANSIT LINK PL · EZ-LINK PTE LTD SINGAPORE · EZLINKS.COM · TRANSIT · EZ-LINK TOP-UP KIOSK · FLASHPAY ATU · PAYPAL * BIZCONSULTA · EZ-LINK (IMAGINE CARD) · TRANSITLINK* · PAYPAL * CAPITALROYA

MCC
Description
4829
Money Transfer
4900
Utilities – Electric, Gas, Water, and Sanitary
5047
Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5199
Nondurable Goods (Not Elsewhere Classified)
6050
Quasi Cash – Financial institutions, Merchandise, Services
6051
Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment
6211
Security Brokers/Dealers
6513
Real Estate Agents and Managers
6529
Quasi Cash – Remote Stored Value Load – Financial Institute
6530
Quasi Cash – Remote Stored Value Load – Merchant
6534
Quasi Cash – Money Transfer – Member Financial Institution
7299
Other Services – Not Elsewhere Classified
7349
Cleaning, Maintenance and Janitorial Services
7511
Quasi Cash – Truck Stop Transactions
7523
Parking Lots, Parking Meters and Garages
8062
Hospitals
8211
Elementary and Secondary Schools
8220
Colleges, Universities, Professional Schools, and Junior Colleges
8241
Correspondence Schools
8244
Business and Secretarial Schools
8249
Vocational and Trade Schools
8299
Schools and Educational Services (Not Elsewhere Classified)
8398
Charitable Social Service Organizations
8651
Political Organizations
8661
Religious Organizations
8999
Professional Services (Not Elsewhere Classified)
9211
Court Costs, Including Alimony and Child Support
9222
Fines
9223
Bail and Bond Payments
9311
Tax Payments
9399
Government Services (Not Elsewhere Classified)
9402
Postal Services – Government Only
9405
U.S. Federal Government Agencies or Departments

Effective 3 September 2024, these MCCs will be included to the exclusions list and will not earn any rewards:

MCC
Description
4900
Utilities – Electric, Gas, Water, and Sanitary
5199
Nondurable Goods

5047
Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
7299
Miscellaneous Personal Services
8062
Hospitals
8999
Professional Services
6529
Quasi Cash – Remote Stored Value Load – Financial Institute
6530
Quasi Cash – Remote Stored Value Load – Merchant
6534
Quasi Cash – Money Transfer – Member Financial Institution
7511
Quasi Cash – Truck Stop Transactions
6050
Quasi Cash – Financial institutions, Merchandise, Services

Advantages:

  • 3 miles per dollar on common categories like online groceries, food delivery and transport
  • Non-expiring points
  • No minimum monthly spend required
  • Flexibility of redemption: choice of Air Miles, Cash Rewards or Shopping Vouchers with your 360 Rewards Points
  • Points can be pooled together with other SC 360 Reward Points Earning Cards (for all other frequent flyer program) (or SC Visa infinite Cards (for Krisflyer)), allowing you to save on transfer fee when converting your points to your favourite frequent flyer program

Disadvantages:

  • Higher than usual FCY fee of 3.5%
  • 3 Miles Per Dollar has a spending cap of S$1,000 per statement month

  • When are 360 Rewards Points credited: The base 3x/5x 360° Rewards Points for local/overseas spend are credited when your transaction posts, which generally takes 1-3 working days. The bonus 4.5x 360° Rewards Points for local grocery, food delivery, and transport will be credited at the end of the statement period.
  • How long are 360 Rewards points valid for: There is no expiry
  • Is there an expiry date on 360 Rewards with other cards: SCB Journey Card points don’t expire, unlike the SCB Smart Card, SCB Rewards+, and other points-earning cards, which have expiry dates.


Final Thoughts:

This card is perfect for those who spend a lot consistently on the bonus categories. As the points are non-expiring, you can take your time to earn the miles as you go.



Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.


Standard Chartered Journey Sign Up Promotion:

  • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 12,000 Max Miles or S$180 Cash via PayNow when you spend S$500 within 30 days of card approval
  • Valid until 02 March 2025
  • Read Terms and Conditions here
  • Promotion is valid for new to bank credit card holders
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email to secure your rewards after you have applied!

Stackable with Direct Bank Rewards:

  • Receive up to 45,000 miles
    • Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
    • Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval[Recommended]

My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria of S$3000 within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.



We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!  

lobangsis
lobangsis
Aud, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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