Standard Chartered Journey Credit Card — Up to 3 mpd Transport & Food Delivery
Standard Chartered Journey Credit Card earns up to 3 mpd on taxi, up to 3 mpd on food delivery, up to 3 mpd on online groceries, and up to 2 mpd on foreign currency — and up to 1.2 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 3 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| Food Delivery· 20% of dining | 3 mpd | 180 |
| Online Groceries· 15% of groceries | 3 mpd | 90 |
| All other categories (base rate) | 1.2 mpd | 2,412 |
| Monthly miles | 2,682 | |
| Annual miles | 32,184 | |
Foreign currency is exempt from the 3,000 mi/mo bonus cap — earning the full rate uncapped.
Merchant coverage applied — tune the percentages in “Adjust merchant coverage” under Your monthly spending.
New Standard Chartered cardholders who apply through this link, spend min. S$800 within 60 days of card approval, and apply for at least one eligible SC product (EasyPay, Bonus$aver Account, CashOne Personal Loan, or CCFT) via SingSaver choose one: - S$180 Cash via PayNow - 12,000 Max Miles - Samsung Galaxy Buds4 Pro (worth S$349) - Samsonite Straren Spinner 67/24 (worth S$600)
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •3 mpd on Taxi — Private commute (Grab, Gojek, Tada, etc.)
- •3 mpd on Food Delivery — Food deliveries (GrabFood, Foodpanda, McDonald's, Dominos, etc.)
- •3 mpd on Online Groceries — Online groceries only (NTUC FairPrice Online, NTUC FairPrice app, Lazada Redmart, Nespresso Singapore and others)
- •2 mpd on Foreign currency (uncapped) — On overseas spend.
- •1.2 mpd base rate on other eligible spend
- •Bonus miles capped at 3,000/mo — base spend continues earning 1.2 mpd uncapped
- •Annual fee: S$196.20 (First year waived. +10k miles upon renewal.)
- Complimentary Priority Pass
Receive two complimentary Priority Pass access at over 1,700 airport lounges and travel experiences.
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Activate at prioritypass.com/scbinfinite.
- Complimentary Travel Insurance
Complimentary travel insurance coverage of up to S$500,000.
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Just charge your travel fare to your Card.
- Annual fee
- S$196.20First year waived. +10k miles upon renewal.
- Foreign currency transaction fee
- 3.5%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 29.9%
- Cash advance service charge
- 8% on the Cash Advance, subject to a minimum fee of $15
- Minimum payment
- The greater of either S$50 or 1% of principal (including any installment billed in current month), interest fees and charges; plus any overlimit amount and past due amount.
- Interest-free period
- 22 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$90,000
- Minimum age: 21
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Singaporean Citizens & PR: Minimum annual income: S$30,000 Foreigners: Minimum annual income: S$90,000. Must hold a Singapore Employment Pass
- •Earns 3 miles per dollar on private commute (Grab, Gojek, Tada, etc.).
- •Earns 3 miles per dollar on food delivery platforms (GrabFood, Foodpanda, McDonald's, Dominos, etc.).
- •Earns 3 miles per dollar on online grocery purchases (NTUC FairPrice Online, Lazada Redmart, Nespresso Singapore, and others).
- •Earns 2 miles per dollar on overseas spend with no stated monthly miles cap for that category.
- •Includes two complimentary Priority Pass lounge accesses at over 1,700 airport lounges and travel experiences per year.
- •Comes with complimentary travel insurance coverage of up to S$500,000 when the travel fare is charged to the card.
- •The annual fee of S$196.20 applies from the second year onward; renewal triggers a 10,000-mile bonus.
- •Bonus miles across the 3 mpd categories are subject to a combined monthly cap of 3,000 miles.
- •A broad set of transaction types (including insurance premiums, recurring auto-debits, tax payments, top-ups, and crypto) are excluded from earning miles.
- •Foreign currency transactions carry a 3.5% FX transaction fee.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the Standard Chartered Journey Credit Card.
- •Cash advances or Credit Card Fund Transfers
- •Charitable or political organisations
- •Transactions that get subsequently cancelled, voided, refunded or reversed
- •AXS, SAM or ATM transactions
- •Insurance premiums
- •Recurring payments that are automatically debited
- •Fees or charges
- •Tuition/education fees
- •Cleaning, maintenance or janitorial services
- •Crypto currency
- •Debt repayment
- •Traveller’s cheques
- •Real estate money transfer
- •Court/legal cases
- •Tax payments
- •Any top-ups
The information above is a summary and may be incomplete or outdated. Always refer to Standard Chartered's official terms and conditions for the authoritative version.
About the Standard Chartered Journey Credit Card
The Standard Chartered Journey Credit Card earns 3 mpd on taxi, 3 mpd on food delivery, and 3 mpd on online groceries, with a 1.2 mpd base rate on other eligible spend. The annual fee is S$196.20 (First year waived. +10k miles upon renewal.). Terms and conditions apply.
Miles breakdown
The Standard Chartered Journey Credit Card earns 3 mpd on taxi, 3 mpd on food delivery, 3 mpd on online groceries, and 2 mpd on foreign currency, plus 1.2 mpd on other eligible spend.
Where this card earns the most
The Standard Chartered Journey Credit Card earns the most on taxi, food delivery, and online groceries. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
Other miles cards to compare
Frequently asked questions
Is the Standard Chartered Journey Credit Card worth it?
The Standard Chartered Journey Credit Card earns 1.2 mpd on general spend and up to 3 mpd on dining and 3 mpd on groceries, with a S$196.20 annual fee (First year waived. +10k miles upon renewal). Bonus miles are capped at 3,000 per month. Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the Standard Chartered Journey Credit Card for?
The Standard Chartered Journey Credit Card suits frequent diners, household and grocery spenders, and daily commuters — it earns 3 mpd on dining, 3 mpd on groceries, and 3 mpd on transport. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with airport lounge access and travel insurance.
How many miles does the Standard Chartered Journey Credit Card earn?
The Standard Chartered Journey Credit Card earns 3 mpd on taxi, 3 mpd on food delivery, and 3 mpd on online groceries, with 1.2 mpd on other eligible spend.
What is the annual fee?
S$196.20, First year waived. +10k miles upon renewal..
How does miles redemption work?
The Standard Chartered Journey Credit Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 3 Jul 2026, not guarantees of future earning. Terms and conditions apply.
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.
Standard Chartered governing terms: Official terms (PDF)