facebookStandard Chartered Journey Credit Card Reviews 2024

Standard Chartered Journey Credit Card Reviews 2024

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Summary

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 Team Cashback vs Team Airmiles Campaign Round 2: Get 16,000 Bonus Max Miles

  • Promotion is valid for new Standard Chartered credit cardmembers only
  • Apply for and activate your Standard Chartered Journey Card through SingSaver within 30 days of card approval to qualify for the Team Cashback vs Team Airmiles campaign

Stand a chance to win 16,000 Bonus Max Miles on top of existing rewards when Team Airmiles wins

Each successful Standard Chartered Journey Card application contributes 1 point to Team Cashback. The total points will be calculated at the end of the round to determine the winning team

SingSaver Team Cashback vs Team Airmiles Grand Lucky Draw Round 2: Get up to 31x chances to win a Pair of Return Business Class Tickets to Japan, Tokyo (worth 120,000 Max Miles)

  • Promotion is valid for new and existing Citibank / Standard Chartered / HSBC / American Express / DBS / UOB / Maybank credit cardmembers
  • Apply for participating products through SingSaver and fulfill existing eligibility requirements to receive 1 chance in the Grand Lucky Draw

1 lucky winner will receive One Pair of Return Business Class Tickets to Japan, Tokyo (worth 120K Max Miles)

Includes personal concierge service (provided by Heymax) to help you get the most out of your trip

  • Get more chances in the Grand Lucky Draw by completing additional actions:

Receive 1x Chance for every successful application of participating credit cards during the campaign period (14x Chances total)

Receive 1x Bonus Chance if your team wins in the Team Cashback vs Team Airmiles Campaign (7x Chances total)

Receive 10x Bonus Chances if you participate in the Team Cashback vs Team Airmiles Instagram game:

  1. Follow @singsaver_sg on Instagram
  2. Post a story using the Campaign Instagram Game Filter and tag @singsaver_sg
  3. DM your card application reference number (ARN) to us @singsaver_sg

Singsaver Exclusive Promotion: Receive a Sony SRS-XB100 Bluetooth Speaker (worth S$90) or 1x Apple AirTag (worth S$45.40) or Up to S$90

  • Promotion is valid for new Standard Chartered credit card members only
  • Apply for and 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

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

  • Promotion is valid for new Standard Chartered credit cardmembers only
  • Apply and get approved for the Standard Chartered Journey Credit card to be eligible for rewards

Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.

Receive up to 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 2 months of card approval. Click here to 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
...see more

Summary

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 Team Cashback vs Team Airmiles Campaign Round 2: Get 16,000 Bonus Max Miles

  • Promotion is valid for new Standard Chartered credit cardmembers only
  • Apply for and activate your Standard Chartered Journey Card through SingSaver within 30 days of card approval to qualify for the Team Cashback vs Team Airmiles campaign

Stand a chance to win 16,000 Bonus Max Miles on top of existing rewards when Team Airmiles wins

Each successful Standard Chartered Journey Card application contributes 1 point to Team Cashback. The total points will be calculated at the end of the round to determine the winning team

SingSaver Team Cashback vs Team Airmiles Grand Lucky Draw Round 2: Get up to 31x chances to win a Pair of Return Business Class Tickets to Japan, Tokyo (worth 120,000 Max Miles)

  • Promotion is valid for new and existing Citibank / Standard Chartered / HSBC / American Express / DBS / UOB / Maybank credit cardmembers
  • Apply for participating products through SingSaver and fulfill existing eligibility requirements to receive 1 chance in the Grand Lucky Draw

1 lucky winner will receive One Pair of Return Business Class Tickets to Japan, Tokyo (worth 120K Max Miles)

Includes personal concierge service (provided by Heymax) to help you get the most out of your trip

  • Get more chances in the Grand Lucky Draw by completing additional actions:

Receive 1x Chance for every successful application of participating credit cards during the campaign period (14x Chances total)

Receive 1x Bonus Chance if your team wins in the Team Cashback vs Team Airmiles Campaign (7x Chances total)

Receive 10x Bonus Chances if you participate in the Team Cashback vs Team Airmiles Instagram game:

  1. Follow @singsaver_sg on Instagram
  2. Post a story using the Campaign Instagram Game Filter and tag @singsaver_sg
  3. DM your card application reference number (ARN) to us @singsaver_sg

Singsaver Exclusive Promotion: Receive a Sony SRS-XB100 Bluetooth Speaker (worth S$90) or 1x Apple AirTag (worth S$45.40) or Up to S$90

  • Promotion is valid for new Standard Chartered credit card members only
  • Apply for and 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

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

  • Promotion is valid for new Standard Chartered credit cardmembers only
  • Apply and get approved for the Standard Chartered Journey Credit card to be eligible for rewards

Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 2 months of card approval.

Receive up to 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 2 months of card approval. Click here to 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
...see more

📣 SIGN-UP BONUS

Score a Sony SRS-XB100 Bluetooth Speaker (worth S$90) or 1x Apple AirTag (worth S$45.40) or Up to S$90! Plus, get up to 31x chances to win a Pair of Return Business Class Tickets to Japan, Tokyo (worth 120,000 Max Miles).

Valid till 02 Jun 2024. T&Cs apply.

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Reviews (1)

3.0

1 Reviews

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      Posted 06 Jan 2024

      Approval fast this card is good for travel , applied during promotion of cashback, collect miles for travel spent overall 👌 card

      0

      What are your thoughts?

    Discussions (0)

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      Eligibility for Standard Chartered Journey Credit Card

      To be eligible for the Standard Chartered Journey Credit Card, you'll have to meet the following criteria:

      • Principal cardholders minimum age must be at least 21 years of age and up to 65 years of age
      • Singaporeans and PR: Minimum annual income of S$30,000 (Private Banking Customers), S$80,000 (Non-banking customers)
      • Foreigners: Minimum annual income of S$60,000 (Private Banking Customers), S$80,000 (Non-banking customers) and must be holders of P1, P2 or Q type Singapore Employment Passes
        - Q Pass holders must have minimum one-year validity remaining on their passes
      • Credit Record Free from Default

      Fees and Charges for Standard Chartered Journey Credit Card

      • Annual Principle Fee: S$194.40
      • Annual Supplementary Card fee: S$107
      • Fee waiver: N/A
      • Interest-Free Period: 22 days
      • Annual Interest Rate: 26.90%
      • Minimum monthly payment: 1% or S$50, whichever is higher
      • Late payment charge: S$80
      • Cash advance fee: 6% or $15, whichever is higher
      • Overlimit fee: S$40
      • Fees for foreign currency transactions: Up to 3.5% of the transaction amount

      Key Features and Benefits of Standard Chartered Journey Credit Card

      Features & Benefits:

      +Earn 3 miles for every S$1 spent on online transactions from transportation, grocery and food delivery merchants

      +Earn 2 miles for every S$1 on foreign currency transactions

      +Earn 1.2 miles for every S$1 spent locally

      +S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023

      +S$10 off Grab rides to or from Changi Airport

      +2 complimentary visits to Priority Pass lounges around the world each year

      +Get peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000

      +Rewards points do not expire

      +Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform

      +Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme

      -Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle

      These are some features of the Standard Chartered Journey Credit Card and the miles benefits it has to offer.

      Standard Chartered Journey Credit Card

      What You'll Get

      Exclusive Travel Benefits of Standard Chartered Journey Credit Card

      Be rewarded with bonus miles

      - Earn 3 miles per $1 spent on online transactions: transportation, grocery and food delivery merchants. 

      Non-expiring Rewards Points

      - Earn rewards points that do not expire, from your first dollar spent.

      Complimentary Priority Pass

      - Enjoy 2 complimentary visits to Priority Pass lounges around the world each year.

      Complimentary Travel Insurance

      - Have a peace of mind when you travel with coverage of up to S$500,000. Just charge your travel fare to your Card.

      Features of Standard Chartered Journey Credit Card

      • Member-get-member Promotion
      • Live The Good Life® every day
      • SC EasyBill
      • EasyPay
      • CardSafe Guarantee
      • Flexibility of redemption
      • Temporary credit limit increase
      • 0% interest instalment plan

      Standard Chartered Journey Credit Card

      Standard Chartered Contact Info

      • Customer service(Personal Banking): +65 9747 7000

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on the Seedly Q&A platform.