Standard Chartered Journey Credit Card

The Standard Chartered Journey Card, formerly called the Standard Chartered X Credit Card. Is for those who want to earn anything but average miles locally and overseas, that can be used to redeem a whole range of rewards and gifts.

*Note: Standard Chartered Journey Credit Card has replaced the Standard Chartered X Credit Card as of 19 May 2023.

Singsaver Exclusive Promotion: Receive a Dyson AM07 Tower Fan (worth S$459) or Apple AirPods 3rd Gen with MagSafe charging case (worth S$274) or Up to S$160

• Promotion is valid for new Standard Chartered credit card members only
• Activate your Standard Chartered Journey Credit Card within 30 days of card approval to be eligible for rewards

Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval

Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval

• Promotion is valid until 1 May 2024
• Terms and Conditions apply

Note: Effective January 1st, physical card activation is now required to receive gifts, instead of solely activating digitally.

Standard Chartered Journey Credit Card Promotion: Get up to 45,000 miles when you apply and make eligible spends on your SCB Journey Card. Terms and Conditions apply.

Product Page Transparency

• Pays to access additional features

Card Features & Details

1) Key Features

• Earn up to 3 miles per S$1 spend
• 360° Rewards Programme
• Earn rewards points that do not expire
• Complimentary Priority Pass lounge access
• Complimentary Travel Insurance

2) Benefits

Miles

• 3 miles per S$1 for spends in selected bonus categories which are online transactions for Transport, Grocery/food-stores and Food deliveries (capped at 3,000 miles or S$1,000)
• 2 miles per S$1 for foreign spends (no cap)
• 1.2 miles per S$1 for local spends (no cap)
• Earn rewards points that do not expire

360° Rewards Programme

• SC Online Rewards: Redeem for e-Vouchers or KrisFlyer miles
• SC EasyRewards: Redeem for Airline Partner Miles (Emirates Skywards, Qatar Airways Privilege, Qantas Frequent Flyer, and more), and Hotel Partner Points (ALL – Accor Live Limitless, IHG One Rewards) via Transfer Rewards.

Travel

• 2 Complimentary Priority Pass lounge visits each year
• Complimentary Travel insurance coverage of up to S$500,000 when you charge your travel fare to your card

The Good Life Privileges

• Enjoy access exciting privileges, promotions and benefits with your Standard Chartered Simply Cash Credit Card such as:
• TANGS - Up S$40 voucher or promo code
• Caltex - Up to 20.7% savings and more
• Agoda - Up to 18% off accommodation worldwide
• Expedia - Up to 20% off eligible hotel bookings
• Standard Chartered Singapore Marathon 2023 - 15% off registration fees

3) Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans, PRs and Foreigners
• Minimum annual income:
• S$30,000 for Singaporeans/PRs
• S$60,000 for Foreigners

4) Fees & Charges

• Annual principal fee: S$196.20 (first year waivable) (inclusive of GST)
• Supplementary card annual fee: S$0
• Late payment fees: S$100
• Repayment grace period: At least 22 days from billing/statement date
• The minimum payment due will be:
• (i) the greater of either S$50 or 1% of principal (Including any instalments billed in current month); plus
• (ii) interest, fees and charges; and
• (iii) overlimit amount and past due amount (if any).
• Outstanding balances that are below S$50 shall be repaid in full.
• Cash advance charges: 8% with a minimum fee of $15 plus Finance Charges at 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment
• Overlimit fee: S$40

Frequently Asked Questions

Can you enjoy annual fee waiver for the Standard Chartered Journey Credit Card?

• Yes, the annual fee for the Standard Chartered Journey Credit Card of S$196.20 (inclusive of GST) is waived for the first and second year

Who should apply for the Standard Chartered Journey Credit Card?

• It is ideal for travellers who spend regularly both overseas and regularly

What is the minimum income requirement for the Standard Chartered Journey Credit Card?

• Singapore/PR: Minimum Income of S$30,000
• Foreigners: Minimum Income of S$60,000