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.

4 May - 1 Jun Promotion:

To qualify for the rewards, customers need to:

• Apply for the cards and meet the minimum spend as required for each card
• Apply for one of the following SCB products via SingSaver link as well except EasyPay:

1. Apply for Standard Chartered EasyPay via SCB app for at least 3 retail transactions on your credit card for a minimum amount of S$150 each with at least 12 months tenure (within 60 days of card approval date).
2. Apply and open a Standard Chartered Bonus$aver Account with a minimum deposit of S$3,000 (within 60 days of card approval date). Quick apply here.
3. Submit an application and get approved for Standard Chartered CashOne Personal Loan with a minimum loan approved amount of S$1,000 and a minimum tenure of 12 months (within 60 days of card approval date). Quick apply here.
4. Apply and get approved for Standard Chartered Credit Card Funds Transfer (CCFT) with a minimum loan amount of S$1,000 for a minimum tenure of 3 months (within 60 days of card approval date). Quick apply here.

To clarify, if customers apply for both an SCB Credit Card and SCB CashOne via SingSaver, they will only receive the reward for the product they apply for first.

For example, if a customer applies for the Credit Card before CashOne, they will receive the Credit Card reward. The CashOne application will then be considered as an ETC case.

SCB Simply Cash (4 May - 1 Jun)

Promo Mechanic: Activate and spending a min. of S$800 within 30 days of card approval; apply one of the 4 SCB products listed above.

• NTC (New to card) only, ETCs (Existing to card) no offer
• NOT Stackable with BAU

Base Rewards:

• S$350 Cash
• S$370 Grab Voucher
• Samsung Galaxy Buds4 Pro + 100 eCap bundle (worth S$449)

Top-up Rewards:

• Dyson Airstrait (worth S$799) - S$100 topup
• Dyson V8 Cyclone cordless vacuum (worth S$559) - S$100 topup
• MacBook Neo 256GB Magic Keyboard (worth S$849) - S$450 topup
• Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$899) - S$500 topup
• Apple Watch Ultra 3 (worth S$1199) - S$840 topup

SCB Journey (4 May - 1 Jun)

Promo Mechanic: Activate and spending a min. of S$800 within 60 days of card approval; apply one of the 4 SCB products listed above.

• NTC (New to card) only, ETCs (Existing to card) no offer
• Stackable with SCB offer

Base Rewards:

• S$180 cash
• 12,000 Max Miles (worth a round trip to Kuala Lumpur with the travel value at S$210+)
• Samsung Galaxy Buds4 Pro (worth S$349)
• Samsonite Straren Spinner 67/24 (worth S$600)

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
• SC Shop and Earn - Book your holidays and earn up to 28.75% Cashback at over 40 travel partners like Agoda, Klook, Trip.com. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.

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