Standard Chartered Journey Credit Card vs HSBC Revolution Credit 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 CardslockThese numbers stay in your browser — nothing is saved.
At S$2,100/mo entered, the HSBC Revolution Credit Card projects the higher annual miles figure — a difference of 16,776 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.)
HSBC Revolution Credit Card · Dining transactions made online or via contactless payment (excluding fast food restaurants and hotel dining).
Standard Chartered Journey Credit Card — Online Groceries · Online groceries only (NTUC FairPrice Online, NTUC FairPrice app, Lazada Redmart, Nespresso Singapore and others)
HSBC Revolution Credit Card · Retail and online shopping transactions made online or via contactless payment, including department stores, marketplaces, and entertainment.
Standard Chartered Journey Credit Card — Taxi · Private commute (Grab, Gojek, Tada, etc.)
HSBC Revolution Credit Card · Eligible ride-hailing and taxi transactions made online or via contactless payment.
Standard Chartered Journey Credit Card · On overseas spend.
HSBC Revolution Credit Card · Airlines, car rentals, hotels, cruise lines, made online or via contactless payment.
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 HSBC Revolution Credit Card, compared
How the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card differ
On annual fee, the Standard Chartered Journey Credit Card’s annual fee is S$196.20, while the HSBC Revolution Credit Card has no annual fee. 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 HSBC Revolution Credit Card earns 4 mpd on Dining, 4 mpd on Shopping & Online, and 4 mpd on Travel, plus 0.4 mpd on other eligible spend. On earn caps, the Standard Chartered Journey Credit Card is uncapped and the HSBC Revolution Credit Card is uncapped.
Where the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card pay different rates
The two cards diverge most on shopping & online, where the HSBC Revolution Credit Card pays 4 mpd against the Standard Chartered Journey Credit Card’s 1.2 mpd. Category by category, on ongoing rates (introductory offers excluded): Shopping & online: the HSBC Revolution Credit Card pays 4 mpd; the Standard Chartered Journey Credit Card pays 1.2 mpd. Travel: the HSBC Revolution Credit Card pays 4 mpd; the Standard Chartered Journey Credit Card pays 1.2 mpd. Groceries: the Standard Chartered Journey Credit Card pays 3 mpd; the HSBC Revolution Credit Card pays 0.4 mpd. Foreign currency: the Standard Chartered Journey Credit Card pays 2 mpd; the HSBC Revolution Credit Card pays 0.4 mpd. Dining: the HSBC Revolution Credit Card pays 4 mpd; the Standard Chartered Journey Credit Card pays 3 mpd. Transport: the HSBC Revolution Credit Card pays 4 mpd; the Standard Chartered Journey Credit Card pays 3 mpd. Outside those categories both cards fall back to their base rate: 1.2 mpd on the Standard Chartered Journey Credit Card and 0.4 mpd on the HSBC Revolution Credit Card.
Where the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card are alike
Both pay a bonus rate on transport and dining. Neither card caps the total miles earned each month.
How the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card credit your miles
Both cards credit to a flexible (transferable) programme. On validity, the Standard Chartered Journey Credit Card publishes no expiry and the HSBC Revolution Credit Card’s expire 37 months after they are earned. Foreign-currency transactions carry a 3.5% conversion fee on the Standard Chartered Journey Credit Card and 3.3% on the HSBC Revolution Credit Card, charged on top of the rate earned.
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.
Other head-to-heads with these cards
Each runs the same earning calculation on your own spending, so you can weigh Standard Chartered Journey Credit Card or HSBC Revolution Credit Card against a different alternative.
Frequently asked questions
What is the difference between the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card?
The two cards diverge most on shopping & online, where the HSBC Revolution Credit Card pays 4 mpd against the Standard Chartered Journey Credit Card’s 1.2 mpd. 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 HSBC Revolution Credit Card earns 4 mpd on Dining, 4 mpd on Shopping & Online, and 4 mpd on Travel, plus 0.4 mpd on other eligible spend. On annual fee, the Standard Chartered Journey Credit Card’s annual fee is S$196.20, while the HSBC Revolution Credit Card has no annual fee.
Do the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card charge an annual fee?
The Standard Chartered Journey Credit Card: S$196.20 (First year waived. +10k miles upon renewal.). The HSBC Revolution Credit Card: No annual fee (No fee to waive).
Which card projects more miles for my spending?
It depends on your spending mix. The gap is widest on shopping & online (4 mpd on the HSBC Revolution Credit Card against 1.2 mpd on the Standard Chartered Journey Credit Card), so how much of your spend lands there moves the projection most. 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.
What are the earning caps on the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card?
On total miles, the Standard Chartered Journey Credit Card is uncapped and the HSBC Revolution Credit Card is uncapped.
What is the minimum income for the Standard Chartered Journey Credit Card and the HSBC Revolution Credit Card?
The Standard Chartered Journey Credit Card: S$30,000 (citizen/PR) · S$90,000 (foreigner). The HSBC Revolution Credit Card: S$30,000 (citizen/PR) · S$65,000 (foreigner). Eligibility also depends on each issuer’s own assessment; confirm current criteria with the issuer before applying.
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.