Standard Chartered Journey Credit Card vs Citi PremierMiles Card
A side-by-side comparison of two Singapore miles cards. Rates, caps and fees come from each issuer’s published terms; the simulator projects each card’s annual miles at the spend you enter.
chevron_rightTo all Miles Cards
At S$2,100/mo entered, the Standard Chartered Journey Credit Card projects the higher annual miles figure — a difference of 1,944 mi.
Figures update as you change your spending. They are projections from your inputs and each issuer’s published rates — not a promise of returns. Open the detailed breakdown below to see each card’s per-category working, side by side.
Only categories where one of the cards pays a bonus are listed. Each cell is the miles rate at that spend tier (the monthly-spend threshold) — rates above a card’s base rate are bold in the card’s colour, base rates are muted. Figures are ongoing, after any intro period; earn caps apply (see the conditions below).
Standard Chartered Journey Credit Card — Food Delivery · Food deliveries (GrabFood, Foodpanda, McDonald's, Dominos, etc.)
Standard Chartered Journey Credit Card — Online Groceries · Online groceries only (NTUC FairPrice Online, NTUC FairPrice app, Lazada Redmart, Nespresso Singapore and others)
Standard Chartered Journey Credit Card — Taxi · Private commute (Grab, Gojek, Tada, etc.)
Standard Chartered Journey Credit Card · On overseas spend.
Citi PremierMiles Card — Foreign Currency Spend · On foreign currency spend.
Citi PremierMiles Card — Kaligo · Kaligo via kaligo.com/bonus-miles
Every value is taken from each issuer’s published terms. A blank field shows as “—”. Earn caps are shown in the issuer’s native period — a quarterly cap is not converted to monthly.
See the full details for each card
Standard Chartered Journey Credit Card and Citi PremierMiles Card, compared
How the Standard Chartered Journey Credit Card and the Citi PremierMiles Card differ
The Standard Chartered Journey Credit Card earns 3 mpd on taxi, 3 mpd on food delivery, and 3 mpd on online groceries, plus 1.2 mpd on other eligible spend. The Citi PremierMiles Card earns 10 mpd on kaligo, 7.2 mpd on agoda, and 2.2 mpd on foreign currency spend, plus 1.2 mpd on other eligible spend. On earn caps, the Standard Chartered Journey Credit Card is uncapped and the Citi PremierMiles Card is uncapped.
Where the Standard Chartered Journey Credit Card and the Citi PremierMiles Card are alike
Both carry the same S$196.20 annual fee. Both pay a bonus rate on foreign currency. Neither card caps the total miles earned each month.
How the projection is calculated
The earnings section above projects each card’s annual miles from the category amounts you enter, using each issuer’s published rates and caps. Output depends only on the card data and your inputs — affiliate status never changes the figures or the order they appear in. You can simulate any spending mix to compare the two cards at your own profile.
Frequently asked questions
What is the difference between the Standard Chartered Journey Credit Card and the Citi PremierMiles Card?
The Standard Chartered Journey Credit Card earns 3 mpd on taxi, 3 mpd on food delivery, and 3 mpd on online groceries, plus 1.2 mpd on other eligible spend. The Citi PremierMiles Card earns 10 mpd on kaligo, 7.2 mpd on agoda, and 2.2 mpd on foreign currency spend, plus 1.2 mpd on other eligible spend. On earn caps, the Standard Chartered Journey Credit Card is uncapped and the Citi PremierMiles Card is uncapped.
Do the Standard Chartered Journey Credit Card and the Citi PremierMiles Card charge an annual fee?
The Standard Chartered Journey Credit Card: S$196.20 (First year waived. +10k miles upon renewal.). The Citi PremierMiles Card: S$196.20 (First year waived. Upon renewal, payment of annual fee earns a 10,000 Citi Miles renewal bonus.).
Which card projects more miles for my spending?
It depends on your spending mix. The simulator above projects each card’s annual miles from the amounts you enter, and states which card projects higher at that spend. Change the inputs to compare at your own profile — the figures could move either way depending on where your spend lands.
What are the earning caps on the Standard Chartered Journey Credit Card and the Citi PremierMiles Card?
On total miles, the Standard Chartered Journey Credit Card is uncapped and the Citi PremierMiles Card is uncapped.
Is this comparison affected by affiliate links?
No. The projected figures and the order of the two cards depend only on each card’s published data and the spending you enter; affiliate status never changes them. Card details are shown as of each issuer’s verification date — confirm current terms with the issuer before applying.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.