Standard Chartered

Standard Chartered Journey Credit Card

Miles

How it earns

1.2 mpd on local spend
2.0 mpd on foreign-currency spend
3 mpd on online ride-hailing, online food delivery and online groceries, up to S$1,000 a statement month

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	34,512 miles	S$321	9 of 27
Eats out a lot S$2,050/mo	38,880 miles	S$387	9 of 27
Frequent traveller S$3,570/mo	67,680 miles	S$819	6 of 27
Family with a car S$3,050/mo	46,320 miles	S$499	8 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Miles card · Visa
Annual fee	S$196.20 incl. GST
Fee waiver	First year can be waived (alternatively, take a bonus-miles offer with the fee applied). 10,000-mile renewal bonus reversed if waived.
Minimum income	S$30,000 (citizens & PRs) · S$90,000 (foreigners)
Rewards currency	360° Rewards Points (25,000 = 10,000 KrisFlyer miles)
How points are counted	Not stated
Expiry	Points never expire
Converting to miles	KrisFlyer: 25,000 points = 10,000 miles; S$27.25 per transfer.
Foreign-currency fee	3.5%

Good to know

Foreigners need an Employment Pass and S$90,000 income.
Standard Chartered's foreign-currency fee (3.5%) is the highest of the major issuers.

Common questions

What is the annual fee on the SC Journey?

S$196.20 a year including GST. First year can be waived (alternatively, take a bonus-miles offer with the fee applied). 10,000-mile renewal bonus reversed if waived.

What income do I need for the SC Journey?

S$30,000 (citizens & PRs) · S$90,000 (foreigners).

How much will I earn with the SC Journey?

On a typical S$2,000 a month of everyday spending, about 34,512 miles a year (≈ S$518 at 1.5¢ a mile), or S$321 after the annual fee. That ranks it 9 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the SC Journey?

3.5% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on Standard Chartered's own page before applying. Found something out of date? Tell us.