Credit Cards Deals

Standard Chartered Journey Card offering 45,000 miles sign-up bonus

Receive up to 45,000 bonus miles with a new Standard Chartered Journey Card when you apply by 30th September 2023 and spend S$3,000 within 60 days of approval.

Back in May this year, Standard Chartered revamped its X Card as an entry-level S$30k income product called the Journey Credit Card, with a S$30,000 income requirement (down from S$80,000), and a more palatable S$194.40 annual fee, waivable in year one – a more typical lineup for an entry-level general spend option in Singapore.


As part of the rebrand the bank also launched a new sign-up bonus for the Journey Card, marketed as “up to 45,000 miles” for new-to-bank customers, the key draw of which was bonus earning of +5 mpd on the first S$5,000 spend using the card within the first 30 days of approval.

That deal was cut short by eight weeks, ending on 6th August 2023, but almost immediately the bank is back with a new offer, potentially worth even more miles and easier to achieve.

If you’re a new-to-bank credit card customer with Standard Chartered, which means not having an existing principal credit card with the bank and also not having done so in the last 12 months from the date of application, you’ll be eligible for this latest Journey Card sign-up bonus.

This offer is available for applications made from 7th August 2023 to 30th September 2023.

Here’s how Standard Chartered outlines the deal.

Journey Card Up to 45K Miles National Day Promotion

Bonus Category Reward Points Equivalent KrisFlyer Miles
Voluntary Payment of First Year Annual Fee
25,000 10,000
Bonus miles on spend of S$3,000+ in the first 60 days from card approval 87,500 35,000
Total Up to
Up to

The first element of the bonus is only for voluntarily paying the year one annual card fee of S$194.40, which is waived if you wish.

At 1.94 cents per mile, it’s probably too much to be paying just for the additional miles alone.

The bonus 35,000 miles for spending at least S$3,000 in the first 60 days of card membership is the element to focus on here, worth over 11 mpd on top of the card’s usual accrual rates.

If you opt for annual fee waiver, you won’t be eligible for the 10,000 miles welcome bonus, but you still qualify for the 35,000 miles spend bonus.

These bonus miles are an addition to the card’s regular earn rates of 1.2 mpd / 2 mpd / 3 mpd, so for example if you make all S$3,000 spend locally you’ll be looking at an additional 3,600 miles (S$3,000 x 1.2 mpd), though this applies year-round for that spend anyway, so it isn’t part of the bonus.

Spend exclusions

Standard Chartered is excluding transactions which fall under its usual list of excluded spend categories when it comes to qualifying spend for the S$3,000 minimum within 60 days to trigger the bonus miles, as shown below (click to expand).

  • any cash advance
  • any Credit Card Funds Transfer
  • any monthly instalment of an EasyPay transaction
  • any amount charged to your VI Card that is subsequently cancelled, voided, refunded or reversed
  • AXS, SAM or ATM transactions made using your VI Card
  • any insurance premiums charged to your VI Card
  • recurring payments (being automatic payments where a principal cardholder or supplementary cardholder of the VI Card has given a one-time authorisation or instruction for the merchant to charge the payment directly to the VI 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 VI Card account
  • charges incurred by you or your supplementary VI cardholder but not submitted or posted to your VI Card account during the 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 VI card
  • any top-ups or payment of funds to any prepaid and any prepaid accounts including without limitation: i. 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 ii. 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
  • any transaction classified under one or more of the following Merchant Category Codes: • 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment) • 6211 (Security Brokers/Dealers) • 4829 (Money Transfer) and 6513 (Real Estate Agents and Managers) • 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) and 8299 (Schools and Educational 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) and 9405 (U.S. Federal Government Agencies or Departments); • 8398 (Charitable Social Service Organizations), 8651 (Political Organizations) and 8661 (Religious Organizations); • 7523 (Parking Lots, Parking Meters and Garages); • 7349 (Cleaning, Maintenance and Janitorial Services);

Note that CardUp and ipaymy spend is not excluded, so you can potentially settle large payments like property rental, insurance premiums and education fees to help you along your way to the S$3,000 threshhold.

If you opt to pay the optional first year card membership fee of S$194.40, you’ll receive 25,000 Reward Points (10,000 miles) in your account within 60 working days (around 12 weeks) of your card activation date.

If you participate in the 35,000 miles bonus for a spend of S$3,000+ in the first 60 days of card membership, regardless of whether you opt to pay the first year annual fee or not, these bonus miles will be credited as follows:

Journey Card approval month: Bonus miles credited by:
August 2023 30th November 2023
September 2023 31st December 2023

Terms and Conditions

Full terms and conditions for the sign-up offer are available here.

This includes the full list of excluded transactions, when considering the S$3,000 minimum spend to trigger the bonus miles (see Point 9).

Since its brand switch from the X Card, the Journey Card retails an uncapped 1.2 mpd for local spend and 2 mpd for overseas spend, while two complimentary Priority Pass lounge visits per year also remain part of the deal.

The card also retains 10 loyalty programme transfer partners including KrisFlyer, though the transfer ratios to many of these (e.g. Qatar Privilege Club) are not attractive and mean earning less than the advertised mpd rates.

You can transfer Rewards Points from the Journey Card to 10 different loyalty programmes, but the best value probably remains KrisFlyer due to variable transfer ratios. (Photo: Dillon Chong)

One new feature of the card is a new 3 mpd bonus spend category, for online transport, online food delivery and online grocery shopping, running between now and the end of 2023.

Like most bonus earn rates, this is capped at S$1,000 spend per statement month.


Registration is not required – all Journey cardholders are eligible (including existing X Card members). Eligible online spend by MCC with example merchants are provided below.

  • 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)
  • Transport merchants with MCCs 4111, 4121, 4411 and 4789
    (E.g.Grab, Gojek, Cabcharge Asia, Tada, Ryde Technologies, Royal Caribbean Cruises and
Foodpanda deliveries are eligible for 3 mpd with the Journey Card between now and 31st December 2023. (Photo: foodpanda)

This bonus may be useful if you’re already maxing out the various 4 mpd or 6 mpd limits on your other credit cards for online spend in these categories.

Full terms and conditions for the offer are available here (see Part 2).

The Journey Card also offers zero FCY fee for overseas spend made and posted in the months of:

  • June 2023
  • July 2023
  • November 2023
  • December 2023

Obviously the first two months no longer help you here if you didn’t hold the card and use it for FCY purchases back then, and unfortunately only the November 2023 period will combine with the 35,000 miles sign-up bonus, for those applying in late September 2023 who will then have until late November 2023 to meet the minimum spend requirement.

This deal offers you full cashback on the bank’s steep 3.5% FCY fee for overseas transactions made during these months.

Cashback will be credited to your card account as follows.

Eligible FCY transactions made and posted: Cashback credited by:
1 Jun – 31 Jul 2023 30th September 2023
1 Nov – 31 Dec 2023 29th February 2024

This is actually a good deal – an uncapped 2 mpd on FCY transactions for spend in four months with no additional fees, even though you can only combine it with the sign-up bonus with a specific application approval window.

Let’s hope Standard Chartered repeats this for Journey cardholders in subsequent years.

Full terms and conditions for this promotion are available here.




Standard Chartered cut short its previous sign-up bonus for the new Journey Card this month, but the bank is straight back with a different deal.

This is worth 35,000 bonus miles for a S$3,000 spend in the first 60 days if you are new-to-bank, plus an additional 10,000 bonus miles if you wish to pay the optional first-year annual fee, for up to 45,000 bonus miles in total.

If you apply in late September 2023, you’ll even be able to combine some of your minimum qualifying spend in FCY at zero additional transaction cost (during the month of November 2023), which represents a good deal since this card’s FCY fee is otherwise very steep at 3.5%.

Fast Facts

This image has an empty alt attribute; its file name is SC-Journey-Card-Medium.png

Annual fee: $194.40/yr
Local earn rate:
1.2 mpd
FCY earn rate:
2 mpd
Bonus earn rate: 3 mpd
Lounge access: 2 per year
FCY fee:
Min. age:
Min. income:
25,000 miles when you spend


(Cover Photo: Berjaya Hotels)


1 comment

  1. I got my Journey card but didn’t receive updates from the bank’s side yet on how to get the Priority Pass access done.

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