Standard Chartered Journey Credit Card — 3 mpd Transport & Delivery
A practical miles card earning 3 mpd on online transport, food delivery, and online groceries, plus 2 mpd on overseas spend.
SC Journey Credit Card
Standard Chartered
Annual Fee
S$196.20
Minimum Income
S$30,000
Key Conditions
- •3 mpd on transport, food delivery, and online groceries
- •2 mpd on foreign currency spend
- •1.2 mpd base rate on other local spend
- •Points do not expire
Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| Foreign CurrencyGeneral overseas spend | 2 mpd |
| TransportTransport, food delivery, online groceries | 3 mpd |
| All other spend | 1.2 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,500
Reachable destinations (economy, one-way)
These rates are not guaranteed. Banks update cashback rates, miles rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings. Terms and conditions apply.
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About SC Journey Credit Card
The Standard Chartered Journey Card targets urban millennials heavily reliant on ride-hailing and food delivery, offering a competitive 3 miles per dollar within these categories. It also yields 2 mpd on foreign currency spend with a standard 1.2 mpd locally. It requires a minimum income of S$30,000 and comes with an easily waivable annual fee of S$196.20. It includes baseline premium perks like 2 Priority Pass lounge visits per year and points that never expire, making it a reliable, long-term flexible miles earning tool. Terms and conditions apply.
Key Features
- •3 miles per dollar for Grab, Gojek, cab rides, food deliveries, and online groceries
- •2 miles per dollar on general overseas spend
- •1.2 miles per dollar on general local spend
- •2 Priority Pass lounge visits annually
- •Points do not expire
Miles Earning Breakdown
If a cardholder allocates total S$3,000 monthly spend as S$500 on transport/deliveries (3 mpd), S$500 overseas (2 mpd), and S$2,000 in general spend (1.2 mpd), the card could yield 4,900 miles. It establishes a very strong baseline for cardholders whose primary repetitive costs happen to be daily commuting and food delivery apps.
SC Journey Credit Card vs Citi Rewards Card vs HSBC Revolution Card
Unlike the Citi Rewards which covers food delivery and ride-hailing at 4 mpd but has a strict S$1,000 cap and excludes travel, the SC Journey covers them at 3 mpd while also pulling its weight abroad with a respectable 2 mpd. Against the HSBC Revolution which earns 4 mpd on contactless, the SC Journey does not differentiate online vs offline for groceries (specifically targeting online grocery apps like RedMart) but focuses tightly on transport and dining convenience.
Where Does SC Journey Credit Card Earn the Most?
Grab, Gojek, Deliveroo, Foodpanda, and RedMart. It naturally fits daily modern urban lifestyles. Foreign spending is a competent secondary category if no specialized 4 mpd card is available.
Frequently Asked Questions
How many miles per dollar does the SC Journey Card earn?
The SC Journey earns 3 miles per dollar on transport (Grab, Gojek, taxis), food delivery, and online groceries. Foreign currency spending earns 2 mpd, and all other local spend earns 1.2 mpd.
Do SC Journey reward points expire?
No. Points earned on the SC Journey card do not expire, making it suitable for long-term miles accumulation.
Does restaurant dining qualify for the 3 mpd bonus on the SC Journey?
No. The 3 mpd rate is strictly for transport, food delivery apps, and online groceries. Physical dining at restaurants earns the base 1.2 mpd rate.
What is the annual fee for the SC Journey Card?
The annual fee is S$196.20. The minimum income requirement is S$30,000 per year. The card includes 2 complimentary Priority Pass lounge visits annually.
Is the SC Journey Card good for Grab and food delivery spending?
Yes. The SC Journey earns 3 mpd on Grab, Gojek, Deliveroo, Foodpanda, and online grocery platforms like RedMart. For cardholders who regularly use ride-hailing and food delivery, it is one of the strongest options in Singapore for these specific categories.
Are these rates guaranteed?
No. Banks change miles-per-dollar rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.