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
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View card details → [Affiliate]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$2,950
Reachable destinations (economy, one-way)
SC Journey Credit Card vs Citi Rewards Card vs HSBC Revolution Card
| At S$3,000/mo | SC Journey Credit Card | Citi Rewards Card | HSBC Revolution Card |
|---|---|---|---|
| Annual miles | 52,560 | 40,320 | 40,320 |
| Dining | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Groceries | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Transport | 900 (3 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Online | 360 (1.2 mpd) | 1,200 (4 mpd) | 1,200 (4 mpd) |
| Travel | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Contactless | 360 (1.2 mpd) | 1,200 (4 mpd) | 1,200 (4 mpd) |
| Overseas | 600 (2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| bills | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| insurance | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| general | 360 (1.2 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Annual fee | S$196.2 | S$196.2 | S$0 |
| Min income | S$30,000 | S$30,000 | S$30,000 |
Based on publicly listed rates as of April 2026.
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.
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
Do SC Journey reward points expire?
No, the points earned on the SC Journey card do not expire.
Does normal dining qualify for 3 mpd?
No, the 3 mpd rate is strictly for transport, food delivery, and online groceries. Physical dining at restaurants will earn the base 1.2 mpd.
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.