Standard Chartered Journey Card
Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories
2 Priority Pass visits per membership year
Standard Chartered Journey Card Overview:
If you are looking for a credit card that rewards you for your online spending and travel, you might want to check out the Standard Chartered Journey Card. This card lets you earn up to 3 miles per dollar on selected online categories, such as transportation, grocery and food delivery. You can also earn 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. Unlike some other cards, your miles do not expire, so you can accumulate them for your dream vacation. What’s more, you can 2 free visits to Priority Pass airport lounges annually. The Standard Chartered Journey Card also comes with complimentary travel insurance coverage of up to S$500,000, and various other benefits and discounts that you can explore on their website.
Bonus Transaction Categories | Definition | Merchant Examples |
Transportation | Any online transaction with the following MCCs: • 4111 • 4121 • 4411 • 4789 | Grab Gojek Cabcharge Asia Tada Ryde Technologies Royal Caribbean Easybook.com |
Food Delivery | Any online transaction with the following MCCs: • 5814 • 5811 • 5812 | GrabFood Foodpanda Deliveroo McDonald’s KFC Pizza Hut Dominos Pizza Chilli Api Catering Qi Ji Catering and others |
Groceries and Food Stores | Any online transaction with the following MCCs: • 5411 • 5462 • 5499 • 5921 | GrabFood Foodpanda Deliveroo McDonald’s KFC Pizza Hut Dominos Pizza Chilli Api Catering Qi Ji Catering and others |
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$60,000 (foreigners)
- Annual Fee: S$196.20 (including 9% GST) – this should be waivable.
Key Benefits:
- Earn 1.2 miles per dollar (3x rewards points) locally
- Earn 2 miles per dollar (5x rewards points) overseas
- Earn 3 miles per dollar (7.5x rewards points) for selected bonus categories (online groceries, food delivery, transport) capped at S$1,000 per statement month.
- Up to S$500,000 travel insurance coverage
- 2 complimentary Priority Pass airport lounge access per year (allowed to admit one guest only under your complimentary visit entitlements)
- Complimentary travel insurance coverage of up to S$500,000
How to Best Optimise it:
Best Used For Local Online Spending Under Bonus Categories of S$1,000 and Below
- With the 3 miles per dollar bonus rate on everyday spending such as transportation, food delivery, groceries, and food stores— this card can act as both travel and everyday spend card. Transactions must be done online and must spend locally. This has a spending cap of S$1,000 per statement month.
Bonus Transaction Categories | Definition | Merchant Examples |
Transportation | Any online transaction with the following MCCs: • 4111 • 4121 • 4411 • 4789 | Grab Gojek Cabcharge Asia Tada Ryde Technologies Royal Caribbean Easybook.com |
Food Delivery | Any online transaction with the following MCCs: • 5814 • 5811 • 5812 | GrabFood Foodpanda Deliveroo McDonald’s KFC Pizza Hut Dominos Pizza Chilli Api Catering Qi Ji Catering and others |
Groceries and Food Stores | Any online transaction with the following MCCs: • 5411 • 5462 • 5499 • 5921 | GrabFood Foodpanda Deliveroo McDonald’s KFC Pizza Hut Dominos Pizza Chilli Api Catering Qi Ji Catering and others |
Utilize 2 Complimentary Airport Lounge Passes
- Enjoy complimentary digital Priority Pass™ membership as a Principal Cardmember, with access to participating airport lounges worldwide. If you bring a guest on your lounge visit, it counts as 2 visits, using up both of your complimentary visits. Your Priority Pass membership and complimentary visits are valid for 12 months from the approval date of your Priority Pass membership.
Step 1: Send an SMS: SCX <space>PP<space>last 4 digits of credit card number to 77222
(Example: SCX PP 1234)
Step 2: An automated reply acknowledging the receipt of your SMS will be sent to you if successful
Step 3: A one-time unique code will be sent to your registered mobile number with the Bank via SMS within 14 working days to activate your Priority Pass membership.
Step 4: Click here to key in your one-time unique code in the Priority Pass activation link and complete the application to activate your Priority Pass.
Step 5: Download the Priority Pass mobile app from your App Store and log in with your User ID.
Step 6: Your digital Priority Pass is ready to use. Your physical membership card will be dispatched within 5 business days of your application being successfully accepted through normal mail.
Note that if you have other credit cards that give you lounge access too, you still need one Priority Pass account per card.
What to Avoid:
Exclusion List:
- any cash advance;
- any Credit Card Funds Transfer;
- any monthly instalment of an EasyPay transaction;
- any amounts charged to your Journey Card that is subsequently cancelled, voided, refunded or reversed;
- AXS, SAM or ATM transactions made using your Journey Card;
- any insurance premiums charged to your Journey Card;
- recurring payments (being automatic payments where the Journey Cardholder or supplementary Journey Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her Journey Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;
- any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);
- amounts which have been rolled over from any preceding month’s statement;
- tax refunds credited into your Journey Card;
- charges incurred but not submitted or posted to your Journey Card account during the Journey Card Promotion Period;
- any fraudulent retail transaction;
- any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your Journey Card;
- any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:
-
- any transaction classified under either of the following Merchant Category Codes:
- Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
- Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
- any transaction classified under either of the following Merchant Category Codes:
- any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time: · EZ LINK PTE LTD · EZLINK* · TRANSIT LINK* · EZ LINK PTE LTD (FEVO) · EZ LINK · TRANSIT LINK PL · EZ-LINK PTE LTD SINGAPORE · EZLINKS.COM · TRANSIT · EZ-LINK TOP-UP KIOSK · FLASHPAY ATU · PAYPAL * BIZCONSULTA · EZ-LINK (IMAGINE CARD) · TRANSITLINK* · PAYPAL * CAPITALROYA
MCC | Description |
4829 | Money Transfer |
4900 | Utilities – Electric, Gas, Water, and Sanitary |
5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
5199 | Nondurable Goods (Not Elsewhere Classified) |
6050 | Quasi Cash – Financial institutions, Merchandise, Services |
6051 | Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment |
6211 | Security Brokers/Dealers |
6513 | Real Estate Agents and Managers |
6529 | Quasi Cash – Remote Stored Value Load – Financial Institute |
6530 | Quasi Cash – Remote Stored Value Load – Merchant |
6534 | Quasi Cash – Money Transfer – Member Financial Institution |
7299 | Other Services – Not Elsewhere Classified |
7349 | Cleaning, Maintenance and Janitorial Services |
7511 | Quasi Cash – Truck Stop Transactions |
7523 | Parking Lots, Parking Meters and Garages |
8062 | Hospitals |
8211 | Elementary and Secondary Schools |
8220 | Colleges, Universities, Professional Schools, and Junior Colleges |
8241 | Correspondence Schools |
8244 | Business and Secretarial Schools |
8249 | Vocational and Trade Schools |
8299 | Schools and Educational Services (Not Elsewhere Classified) |
8398 | Charitable Social Service Organizations |
8651 | Political Organizations |
8661 | Religious Organizations |
8999 | Professional Services (Not Elsewhere Classified) |
9211 | Court Costs, Including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payments |
9399 | Government Services (Not Elsewhere Classified) |
9402 | Postal Services – Government Only |
9405 | U.S. Federal Government Agencies or Departments |
Past Buffs/Nerfs:
Effective 3 September 2024, these MCCs will be included to the exclusions list and will not earn any rewards:
MCC | Description |
4900 | Utilities – Electric, Gas, Water, and Sanitary |
5199 | Nondurable Goods |
5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
7299 | Miscellaneous Personal Services |
8062 | Hospitals |
8999 | Professional Services |
6529 | Quasi Cash – Remote Stored Value Load – Financial Institute |
6530 | Quasi Cash – Remote Stored Value Load – Merchant |
6534 | Quasi Cash – Money Transfer – Member Financial Institution |
7511 | Quasi Cash – Truck Stop Transactions |
6050 | Quasi Cash – Financial institutions, Merchandise, Services |
Is it Worth it:
Advantages:
- 3 miles per dollar on common categories like online groceries, food delivery and transport
- Non-expiring points
- No minimum monthly spend required
- Flexibility of redemption: choice of Air Miles, Cash Rewards or Shopping Vouchers with your 360 Rewards Points
- Points can be pooled together with other SC 360 Reward Points Earning Cards (for all other frequent flyer program) (or SC Visa infinite Cards (for Krisflyer)), allowing you to save on transfer fee when converting your points to your favourite frequent flyer program
Disadvantages:
- Higher than usual FCY fee of 3.5%
- 3 Miles Per Dollar has a spending cap of S$1,000 per statement month
Frequently Asked Questions:
- When are 360 Rewards Points credited: The base 3x/5x 360° Rewards Points for local/overseas spend are credited when your transaction posts, which generally takes 1-3 working days. The bonus 4.5x 360° Rewards Points for local grocery, food delivery, and transport will be credited at the end of the statement period.
- How long are 360 Rewards points valid for: There is no expiry
- Is there an expiry date on 360 Rewards with other cards: SCB Journey Card points don’t expire, unlike the SCB Smart Card, SCB Rewards+, and other points-earning cards, which have expiry dates.
Final Thoughts:
This card is perfect for those who spend a lot consistently on the bonus categories. As the points are non-expiring, you can take your time to earn the miles as you go.
Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
