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  1. Best SC Credit Cards in Singapore: Compare & Apply Online
  2. SC Journey Credit Card

Get up to 45,000 Welcome Miles

Apply and spend at least S$3,000 within 2 months of your Card approval

From 1 July 2024, receive a renewal bonus of 10,000 miles on your Card anniversary

Read more

  • Earn
    3 miles ​

    per S$1 for selected bonus categories2

  • Earn 
    2 miles ​

    per S$1 for overseas spends

  • Earn
    1.2 miles ​

    per S$1 for local spends

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Register, apply and spend to win with your SC Credit Card

Shop and grow your wealth with us to unlock Surprise Treats and rev up your chances of winning our Grand Prize: the new all-electric Porsche Taycan.

Calculate how many miles you can earn

Adjust your monthly spends to calculate how many miles you can earn

Transportation, Food Deliveries and Online Groceries

Earn 3 Miles per S$1

Bonus Transaction Categories

  • Earn 3 Miles per dollar on transportation, food deliveries and online groceries.
  • Total spend for these categories is capped at S$1,000 for each statement month. This is equivalent to a maximum of 3,000 Miles (credited in the form of 7,500 Rewards Points)
  • Additional spend beyond S$1,000 earns you 1.2 Miles per dollar

auto-financing

Transportation

Merchant example(s): GrabTransport, Gojek, Cabcharge Asia, Tada,
Ryde Technologies, Royal Caribbean Cruise, Easybook.com and others.

candy

Food Deliveries

Merchant example(s): GrabFood, Foodpanda, Deliveroo, McDonald’s,
KFC, Pizza Hut, Dominos Pizza, Chilli Api Catering, Qi Ji Catering
and others.

ecommerce

Online Groceries

Merchant example(s): NTUC FairPrice Online, NTUC FairPrice app,
Lazada Redmart, Nespresso Singapore and others

S$

Other Local Spends

Earn 1.2 Miles per S$1

Other Local Spends

  • Earn 1.2 Miles per dollar across all local spends including online shopping, electronics, furniture, restaurants bills and more
  • There is no cap on the miles you can earn
  • The following transactions are not eligible
  • Cash advances or Credit Card Fund Transfers
  • Charitable or political organisations
  • Transactions that get subsequently cancelled, voided, refunded or reversed
  • AXS, SAM or ATM transactions
  • Insurance premiums
  • Recurring payments that are automatically debited
  • Fees or charges
  • Tuition/education fees
  • Cleaning, maintenance or janitorial services

For the full list, please refer to our full Terms and Conditions.

S$

Overseas Spends

Earn 2 Miles per S$1

Overseas Spends

  • Earn 2 Miles per dollar whenever you spend in foreign currency
  • There is no cap on the miles you can earn
  • The following transactions are not eligible
  • Crypto currency
  • Debt repayment
  • Traveller’s cheques
  • Real estate money transfer
  • Tuition/education fees
  • Court/legal cases
  • Tax payments
  • Any top-ups

For the full list, please refer to our full Terms and Conditions.

S$

Monthly Miles Earned

Miles

Welcome Bonus Spend S$3,000 within 2 months of your card approval. The Welcome Bonus is only for new Standard Chartered cardholders. T&Cs apply.

35,000 Miles

You are $S||250||/month away. Earn the Welcome Bonus by spending S$3,000 within 2 months of your card approval.

Annual Fee Payment Bonus

10,000 Miles

Earn 10,000 miles bonus when you pay the first year annual fee of S$196.20

Total Miles Earned Annually

47,600 Miles

Total Miles Earned Annually

47,600 Miles

Discover Anything but Average Destinations

23 Destinations within reach

23 Destinations you almost within reach

*Disclaimer: Miles required for redemption is for illustration purposes only. Actual redemption is subject to applicable terms and conditions. All information is accurate at the time of posting.

Exclusive Travel Benefits

Be rewarded with bonus miles

2Earn 3 miles per $1 spent on online transactions: transportation, grocery and food delivery merchants. Read more

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. Activate here.  Read more

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. Read more

Limited Period Offers

Get 45,000 Welcome Miles (Annual Fee Applies)

With S$3,000 minimum spend within 2 months of Card approval and payment of first year annual fee. Read more

Get 25,000 Welcome Miles (Annual Fee Waived)

With S$3,000 minimum spend within 2 months of Card approval.  Read more

45% off MSIG TravelEasy® Insurance

  • Travelling with family? Apply for MSIG TravelEasy® here and use the first 8 digits of your Journey Card as the promo code. Read more

Journey Credit Card Features

Refer and get up to S$130 cashback

Tell your friends there’s up to S$560 cashback and more rewards waiting for them. Refer now.

360° Rewards Programme

SC Online Rewards: Redeem for e-Vouchers or KrisFlyer miles. Read more

Live The Good Life® every day

The Good Life® is what you make of it. Enjoy exciting card offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits. Read more

Flexibility of redemption

Enjoy a choice of air miles, cash rewards or shopping vouchers with your 360 Rewards Points.
Show More Show Less

Popular promotions for your Journey Credit card

Apply Now Apply Now

Popular promotions for your Journey Credit card

Airsim x scb x

AIRSIM

Up to 15% discount on AIRSIM Valid till 30 Sep 2025
Water, Waterfront, Architecture

Booking.com

Get up to 10% cashback on accommodation bookings Valid till 31 Dec 2024
Visa rentalcar

Rentalcars.com

Get 10% off on car rental bookings Valid till 31 Mar 2026
Clothing, T-Shirt, Symbol

Club21.com

Get 20% off regular-priced items Valid till 31 Dec 2024
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Agoda

Enjoy 5% off hotel bookings. Valid till 31 Dec 2025

With effect from 19 May 2023, please note that we have rebranded the ‘X Credit Card’ to ‘Journey Credit Card’ and enhanced the card benefits. Find out more here.

Enjoy added protection and peace of mind when shopping online with your Visa Signature Credit Card.

    

Simply use your Visa Signature Card to pay for your online purchases where the shipping method can be tracked and be covered for possible losses.

    
Up to USD$200 per claim per annum for any of the following instances:

  • Non-delivery of purchased item after 30 days of scheduled delivery
  • Wrong or incomplete delivery of purchased item
  • Physical damage to the delivered item

Click here for FAQs. Please note cardholder must have copy of purchase receipt, shipment tracking number and other selected details to submit a claim.

  

For full details of your coverage or claims submission, visit AIG Cardholder Insurance Portal at www.aig.com/visa/apac

   

This information is made available by AIG and its local representatives who is the insurer under the Program and neither Standard Chartered Bank (Singapore) Limited nor Visa makes any representation or warranty about its completeness or accuracy. Please visit www.aig.com/visa/apac for full details of coverage terms, including disclaimers and exclusions, or contact AIG or its local representatives via email or phone number for any queries or information.

Your Card will be governed by the “Standard Chartered Journey Credit Card Up to 45K Miles Acquisition Promotion Terms and Conditions”.

Card applications submitted from 7 August 2023 will be governed by the “Standard Chartered Journey Credit Card 45K Miles National Day Promotion Terms and Conditions”.

These are online transactions, denominated in Singapore dollars, spent in the following Merchant Category Codes (MCCs) and/or merchants.

  • Transport merchants with MCCs 4111, 4121, 4411 and 4789
    (E.g.Grab, Gojek, Cabcharge Asia, Tada, Ryde Technologies, Royal Caribbean Cruises and Easybook.com )
  • Grocery/food-stores with MCCs 5411, 5462, 5499 and 5921
    (E.g. NTUC FairPrice Online, NTUC FairPrice app, Lazada Redmart, Watson’s Singapore and Nespresso Singapore)
  • Food deliveries with MCCs 5811, 5812 and 5814
    (E.g. Foodpanda, Deliveroo, McDonald’s, KFC, Pizza Hut, Dominos Pizza, Chilli Api Catering and Qi Ji Catering)

Online transactions are card-not-present (CNP) transactions identified via merchant category codes (MCC). These category codes are assigned by Visa, merchants and acquiring banks (and not SCBSL).

If the transaction doesn’t fall under the assigned category codes, it will not qualify for 3 miles bonus. The list of MCC which qualify for 3 miles bonus is available in our Journey Credit Card Terms & Conditions.

Note: Apple Pay, Samsung Pay, Google Pay, Garmin Pay (mobile wallets) are not CNP transactions

You will earn a maximum of 3,000 miles (credited in equivalent 360o Rewards Points) for bonus spend categories

Your miles will be credited as 360o Rewards Points.

  • Base 360o Rewards Points will be credited when your eligible transaction is posted
  • Bonus 360o Rewards Points will be aggregated and credited on your statement cycle date

There is no cap. You can continue to earn 1.2 miles for every S$1 spent locally and 2.0 miles for every S$1 spent overseas.

There is no pre-registration required. Simply spend on your Journey credit card and we will credit cashback equivalent to the foreign transaction fees you have been charged. Do note that this is only valid for foreign currency transactions posted in the months of June, July, November and December 2023. Please refer to promotion terms and conditions for more information.

Yes, it will apply to both online and face-to-face foreign currency transactions posted in the months of June, July, November and December 2023.

On your Grab app, select ‘Transport’. Enter your ‘Destination’ and ‘Pick-Up’ detail’. In the field ‘Offers’, enter SCCHANGI to enjoy S$10 off your ride to-or-fro Changi Airport.

The promo codes are limited to the first 2,000 redemptions on a first-come-first-served basis from now until 31 Dec 2023. Do note that the promo code can only be redeemed once for each account, and only for Grab rides to-or-fro Changi Airport. The promo code cannot be used for Grab Hitch and Grab Coach as well. Please refer to promotion terms and conditions for more information.

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$30,000

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher credit limit, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$60,000
  • Must hold a Singapore Employment Pass

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass (with at least 6 months’ validity)
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)

Annual Fees

Principal card: S$196.20 (including 9% GST) from 1 January 2024

Note: If you have selected the “FEE WAIVED” option when applying for the card, you will receive an annual fee auto-waiver for the first year.

For annual fees in the second and subsequent years, receive 10,000 miles upon renewal of your Card and payment of the annual fee. The renewal bonus will be credited by the end of the following month.

Finance Charges

Effective Interest Rate (“EIR”): 27.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

Your cash advance fee per transaction is 8% on the Cash Advance, subject to 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.

Late Payment Charges

A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.

For more details on all other applicable fees and charges, please click here.

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
  • ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
  • Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here
If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000. Free Credit Report If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website  or at their registered office. You will need the following documents to obtain the free credit report:
  • Card carrier that comes with your credit card
  • NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg

*Note: The free credit report is not available for renewed or replaced cards.

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