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 Flash Deal: Get a chance to win an iPhone 15 128GB (worth S$1,311)

• Promotion is valid until 31 July 2024.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
• Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
• Terms and Conditions apply.

SingSaver Rewards Upgrade Campaign: Top up extra cash to receive a reward upgrade worth up to S$1,139

• Promotion is valid until 31 July 2024.
• Valid for new Standard Chartered credit cardmembers only
• Apply for the Standard Chartered Journey Credit Card, then activate within 30 days of card approval.
• The Reward Upgrade will replace SingSaver Exclusive Offer reward.
• Terms and Conditions apply.

Singsaver Exclusive Promotion: Receive an Apple AirPods Pro Gen 2 or 15,000 Max Miles or S$280 eCapitaVoucher or S$250 Cash via PayNow

• Promotion is valid until 31 July 2024.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply for the Standard Chartered Journey Card and make a min. spend of S$500 within 30 days of card approval.
• Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): 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. Click here to apply.
• Terms and Conditions apply.

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

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