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 a Samsonite Straren Spinner 67/24 (worth S$600) or 12K Max Miles or S$200 Lazada Voucher or S$190 Cash via PayNow when you spend S$500 within 30 days of card approval
- Valid until 01 December 2024
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Remember to check for SingSaver email and do the necessary steps to secure your rewards!
- Promotion is stackable with welcome offers from Standard Chartered:
- 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]
- Receive up to 45,000 miles
- Promotion is valid until 31 March 2025
- Read Terms and Conditions here
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. With the Standard Chartered Journey Card, you can make every online purchase and trip count towards your next adventure.
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 |
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
- S$10 off airport transfers from Changi Airport when you take a Grab (limited to first 2,000 redemptions only).
Where Can I Use it:
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.
What will earn you 3 miles per dollar:
Up to S$1000 worth of online transaction in SGD of below categories:
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 |
Is it Worth it:
Advantages:
– 3 Miles on common categories like online groceries, food delivery and transport
– Non-expiring points
– No minimum 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 Visa infinite Cards (for Krisflyer), with SC 360 Reward – Points Earning Cards (for all other frequent flyer program), 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 monthly spending cap of S$1,000
Frequently Asked Questions:
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
Things that will not earn you cashback
- a. any cash advance;
- b. 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);
- c. any Credit Card Funds Transfer;
- d. any monthly instalment of an EasyPay transaction;
- e. any amount charged to your Simply Cash Card that is subsequently cancelled, voided, refunded or reversed;
- f. recurring payments (being automatic payments where you (including your supplementary cardholder(s) on your Simply Cash Card account) have given a one-time authorisation or instruction for the merchant to charge the payment directly to your Simply Cash 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;
- g. AXS, SAM or ATM transactions made using your Simply Cash Card;
- h. amounts which have been rolled over from any preceding month’s statement;
- i. tax refunds credited into your Simply Cash Card account;
- j. any insurance premiums charged to your Simply Cash Card;
- k. 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 Simply Cash Card; PUBLIC
- l. any top-ups or payment of funds to any prepaid cards and any prepaid accounts
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 |
*Transactions with the above listed MCCs will continue to earn cashback or rewards points on your card until 2 September 2024
Final Thoughts:
This card is perfect for those who spend a lot consistently on the bonus categories especially that they are considered everyday spends. 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 a Samsonite Straren Spinner 67/24 (worth S$600) or 12K Max Miles or S$200 Lazada Voucher or S$190 Cash via PayNow when you spend S$500 within 30 days of card approval
- Valid until 01 December 2024
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Remember to check for SingSaver email and do the necessary steps to secure your rewards!
- Promotion is stackable with welcome offers from Standard Chartered:
- 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]
- Receive up to 45,000 miles
- Promotion is valid until 31 March 2025
- Read Terms and Conditions here
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.
