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Standard Chartered Journey

Miles card by Standard Chartered · Easy · No minimum spend

Earns 3 mpd on online in SGD: groceries, food delivery, ride-hailing and transport. Everything else in S$ earns 1.2 mpd. Annual fee: S$196.20.

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Best rate3 mpdOnline in SGD: groceries, food delivery…

Everything else1.2 mpdin S$

Bonus capS$1,000a statement

Annual feeS$196.20

Checked against Standard Chartered's own terms on 21 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Online in SGD: groceries, food delivery, ride-hailing and transport	Pay online	3 mpd up to S$1,000 of spend
Everything else, in S$	Any way of paying	1.2 mpd
Everything else, in a foreign currency	Any way of paying	2 mpd

The bank's full earning rules

1.2 miles per S$1 local, 2 miles per S$1 overseas, uncapped.
3 miles per S$1 on online transactions in SGD at the bonus MCCs below, capped at 3,000 miles per statement month.

Where the bonus applies

Groceries and food stores: MCC 5411, 5462, 5499, 5921 (online, SGD)
Food delivery: MCC 5811, 5812, 5814 (online, SGD)
Transport: MCC 4111, 4121, 4411, 4789 (online, SGD)

Earns nothing on

Standard Chartered credit card retail transaction exclusions

Fees and limits

Annual feeS$196.20 including 9% GST (S$180 + GST), charged every year including the first; no first-year waiver is stated. Renewal bonus 25,000 points (10,000 KrisFlyer miles) on payment (Journey terms, June 2025; SC Journey FAQ).

Minimum incomeSGD 30,000 (Singaporeans/PRs); SGD 90,000 (foreigners, with an Employment Pass).

Overseas fee3.5% on foreign-currency transactions (1% Visa/Mastercard + 2.5% Standard Chartered fee); 1% on SGD transactions processed overseas.

Rewards expiry360° Rewards Points never expire.

Turning rewards into miles or cash360° Rewards Points convert to KrisFlyer miles at 2.5 points per mile (7,500 points = 3,000 miles).

Good to know

3 mpd on online SGD transactions at groceries/food stores, food delivery (restaurant MCCs) and transport, up to 3,000 miles per statement month (about S$1,000 of spend).

Otherwise uncapped 1.2 mpd local and 2 mpd overseas. 360° Rewards Points never expire.

Where these facts come from

Standard Chartered Journey Credit Card Terms and ConditionsJune 2025 (as titled on the file you supplied)

Standard Chartered credit card retail transaction exclusionsno version date printed (some MCCs effective 3 Sep 2024); read 21 Oct 2026

Journey Card FAQ

Journey Card product page

Standard Chartered Pricing Guide

Standard Chartered Pricing Guideno date shown; FX fee read earlier (2 Oct 2026), not re-read 21 Oct 2026

Standard Chartered Journey Credit Card FAQno date shown; states S$196.20 incl. 9% GST; read 21 Oct 2026

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