Standard Chartered Journey Credit Card

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Features of the Standard Chartered Journey Credit Card

Accelerated Miles Earning Program:
- 1 Miles Point per RM1 spent on dining, travel-related expenses (including airlines, hotels, and online travel agencies like Agoda, Booking.com, and Expedia), and overseas retail transactions. This high earn rate ensures that frequent travelers and diners can maximize their rewards on everyday spending.
- 1 Miles Point per RM5 spent on all other eligible local transactions, providing a steady, albeit slower, accumulation of points for general spending.
- These Miles Points can be redeemed for air miles with multiple frequent flyer programs, such as AirAsia BIG, Malaysia Airlines Enrich, Cathay Pacific Asia Miles, and Singapore Airlines KrisFlyer. The flexibility to transfer points to various programs allows cardholders to choose the airline that best suits their travel preferences.
- The points earned are valid for 36 months from the date they are credited, giving users ample time to plan their redemptions.
- The absence of a cap on points earned for dining and travel spending is a significant advantage, as it allows high spenders to accumulate substantial rewards without restrictions. For example, a cardholder spending RM5,000 monthly on dining and travel could earn 5,000 Miles Points, equivalent to 2,500 air miles (since 2 Miles Points = 1 air mile), which could cover a significant portion of a flight ticket.

- Unlimited Airport Lounge Access: The Journey Credit Card offers unlimited complimentary access to Plaza Premium Lounges at Kuala Lumpur International Airport (KLIA and KLIA2) for principal cardholders, provided they present a valid international boarding pass. Valued at approximately RM168 per visit, this feature is a major draw for frequent travelers, offering a comfortable space to relax, work, or dine before flights. The unlimited access sets this card apart from competitors, as many other cards impose a limit on complimentary visits. This feature enhances the travel experience by providing access to premium amenities such as comfortable seating, high-speed Wi-Fi, gourmet food and beverages, and shower facilities. For instance, a business traveler with multiple international trips per year can save hundreds of ringgits annually on lounge access, making this a cost-effective perk for frequent flyers.
- Complimentary Airport Transfers: Another notable feature is the cashback on airport transfers via Grab, capped at RM65 per ride. To qualify, cardholders must spend a minimum of RM2,500 on travel-related expenses (airlines, hotels, or online travel agencies) in the past 90 days. This cashback is applicable for the first Grab ride to or from any airport in Malaysia each month and is credited within 60 days of the transaction. This feature adds convenience and savings for travelers, reducing the cost of airport commutes. For example, a cardholder who frequently travels for work and uses Grab for airport transfers can save up to RM780 annually (RM65 x 12 months), assuming they meet the spending requirement. This feature is particularly valuable in Malaysia, where airport transfers can be costly, especially for early morning or late-night flights.
- Complimentary Travel Insurance: The card includes complimentary travel insurance of up to USD100,000, which covers medical expenses, including COVID-19-related costs, provided the cardholder has a valid international boarding pass. This insurance is automatically activated upon signing up for the card, eliminating the need for separate travel insurance purchases. The coverage provides peace of mind for travelers, protecting against unexpected medical emergencies or travel disruptions. The insurance includes benefits such as emergency medical assistance, evacuation, and repatriation, ensuring comprehensive protection during international trips. For instance, a cardholder traveling to Europe who faces a medical emergency can rely on this coverage to offset significant healthcare costs, which can be exorbitant in foreign countries.
- Digital Payment Integration: The Journey Credit Card supports seamless integration with digital payment platforms, including Apple Pay, Samsung Pay, and Google Pay. This allows cardholders to make contactless payments conveniently using their smartphones or smartwatches, enhancing security and ease of use. The card also offers Mastercard e-commerce purchase protection of up to USD200 for online purchases, safeguarding against fraud or defective products. This feature is particularly useful for tech-savvy users who prefer digital transactions. For example, a cardholder shopping online for electronics can benefit from the added protection, ensuring they are reimbursed if the product is damaged or not delivered as promised.
- Flexible Credit Management Options: The card provides several financial management tools to help cardholders manage their expenses effectively:
  Cash-On-Call Plus: Allows cardholders to access cash from their credit limit at competitive interest rates.
  Flexi-On-Balance Plus: Enables conversion of outstanding balances into affordable installment plans.
  Easy-Payment-Scheme: Offers low-interest EMI options for large purchases.
  Automatic Balance Conversion: Automatically converts large transactions into installments for easier repayment.
  Credit Card Limit Increase: Cardholders can request a higher credit limit based on updated income documents. These tools provide flexibility for managing large expenses, such as purchasing a new laptop or funding a family vacation, by spreading payments over time with lower interest rates.
- Annual Fee Structure: The card has an annual fee of RM600, which is waived for the first year for new customers. Subsequent years’ fees are waived if the cardholder spends a minimum of RM60,000 annually on retail transactions. Supplementary cards are free of charge, making it easy for cardholders to share benefits with family members. The finance charge on overdue balances ranges from 15% to 18% per annum, depending on repayment behavior over the past 12 months. This structure incentivizes responsible spending and repayment, as consistent on-time payments can lower the finance charge to 15%, while missed payments may increase it to 18%. For example, a cardholder who spends RM60,000 annually on travel and dining can enjoy the card’s benefits without incurring the annual fee, making it cost-effective for high spenders.
- Additional Lifestyle Privileges: The card is part of Standard Chartered’s Live The Good Life program, offering exclusive discounts and privileges at over 4,000 participating outlets in Malaysia and across Asia. These include dining, shopping, and entertainment offers, enhancing the cardholder’s lifestyle. Additionally, Mastercard Travel Rewards provide cashback and discounts at selected overseas merchants, both online and in-store, as well as hotel perks like free nights and early check-ins at luxurious properties. For instance, a cardholder dining at a partner restaurant in Singapore or shopping at a participating overseas retailer can enjoy significant savings, adding value to their travel experiences.
- Security Features: The card incorporates advanced security measures, including 3D Secure for online transactions (facilitated by Visa and Mastercard) and a Personal Identification Number (PIN) to protect against fraudulent activity. The Standard Chartered Virtual Credit Card option allows cardholders to generate one-time-use card details for online purchases, further enhancing security. These features ensure that cardholders can shop online with confidence, knowing their transactions are protected against unauthorized use. For example, a cardholder making a large online purchase can use the virtual card feature to minimize the risk of fraud.
- Golf Privileges (UAE-Specific): In the UAE, Journey cardholders receive one complimentary round of golf per month at participating golf clubs, up to a maximum of three rounds per calendar year per club. This feature caters to golf enthusiasts, providing access to premium facilities at no additional cost. For a cardholder in the UAE who enjoys golf, this perk can save significant expenses, as green fees at top golf clubs can range from AED 200 to AED 500 per round. The ability to book through the Visa Airport Companion app adds convenience to the process.

Benefits of the Standard Chartered Journey Credit Card

Rapid Air Miles Accumulation: The card’s accelerated Miles Points program is a key benefit, allowing cardholders to earn air miles quickly on dining, travel, and overseas spending. With 1 Miles Point per RM1 spent in these categories, cardholders can accumulate rewards at a faster rate than many competing cards. The ability to redeem points for air miles with multiple frequent flyer programs (e.g., Malaysia Airlines Enrich, Singapore Airlines KrisFlyer) provides flexibility to choose the best redemption options. For example, a cardholder spending RM10,000 monthly on travel and dining could earn 10,000 Miles Points, equivalent to 5,000 air miles, which could cover a round-trip economy flight to regional destinations like Bangkok or Singapore. The uncapped earning potential on dining and travel spending makes this card particularly attractive for high spenders.

- Savings on Airport Transfers: The RM65 cashback on Grab airport transfers is a practical benefit for cardholders who frequently travel to and from airports in Malaysia.
- Comprehensive Travel Insurance: The complimentary travel insurance of up to USD100,000, including COVID-19 coverage, is a major benefit for international travelers.
- Enhanced Digital Payment Convenience: The integration with Apple Pay, Samsung Pay, and Google Pay makes the card convenient for contactless payments, reducing the need to carry a physical card.
- Financial Flexibility: The card’s financial management tools, such as Cash-On-Call Plus, Flexi-On-Balance Plus, and Easy-Payment-Scheme, offer significant benefits for managing large expenses.
- Annual Fee Waiver Opportunities: The first-year annual fee waiver (RM600) for new customers and the ability to waive subsequent years’ fees by spending RM60,000 annually provide significant cost savings.
- Exclusive Lifestyle Offers: The Live The Good Life program offers exclusive discounts at over 4,000 outlets across Malaysia and Asia, covering dining, shopping, and entertainment.
- Enhanced Security: The card’s 3D Secure technology and PIN-based protection ensure safe transactions, both online and offline.
- Golf and Hotel Perks: In the UAE, the card offers one complimentary golf round per month at participating clubs, up to three rounds per year per club, providing significant savings for golf enthusiasts.

How to Apply for the Standard Chartered Journey Credit Card

Application Channels:
- Online Application via Standard Chartered Website or Partner Sites:
  - Visit the Standard Chartered Malaysia website and navigate to the credit cards section. Locate the Journey Credit Card.
  - Click on “Apply Now” to begin the process. You may be redirected to a partner site for special promotions.
  - Enter personal information: full name, email, mobile number, and postal code.
  - Verify your identity using OTP sent to your registered mobile number.
  - Complete the detailed application form including IC/passport number, employment, income, and address.
  - Upload required documents such as IC/passport, income proof, and address proof.
  - Submit the application. You'll receive an instant in-principle decision in many cases.
  - Complete Video KYC if prompted for identity verification.
  - Final approval and policy checks may take 7–15 days. Card delivery follows upon approval.
- Offline Branch Application:
  - Locate the nearest Standard Chartered branch via the website or SC Mobile app.
  - Visit the branch and request a Journey Credit Card application form.
  - Fill in accurate personal and financial details on the form.
  - Submit the completed form along with original/certified physical copies of documents.
  - The bank will verify your application and conduct credit checks (takes about 7–15 days).
  - Upon approval, the card will be mailed to your address or can be collected at the branch.
- Application via Partner Platforms (e.g., CompareHero, RinggitPlus):
  - Visit a partner website and locate the Journey Credit Card offer.
  - Click “Apply Now” and follow the usual online process: OTP verification, application form, and document upload.
  - Ensure eligibility for promotional benefits like cashback by activating and using the card within 30 days.
Tips for a Successful Application:
- Check your eligibility criteria like age, income, and residency status beforehand.
- Prepare clear digital/physical copies of required documents to avoid delays.
- Ensure that all application details exactly match your documentation.
- Avoid submitting multiple credit card applications at the same time to prevent hard inquiries.
- Monitor your application status via the Standard Chartered website or SC Mobile app using your mobile number and reference number.
Post-Application Steps:
- Activate your card via SC Mobile app or customer service once approved.
- Make a qualifying transaction within 30 days if applying via a promotional partner.
- Set up auto-pay or calendar reminders to avoid late fees.
- Download the SC Mobile app for easy card management, payment tracking, and support.
Common Application Challenges:
- Incomplete or unclear documentation can lead to delays or rejection.
- Credit score below 700 may reduce approval chances—improve it before applying.
- Income inconsistencies may result in additional verification requests.

Eligibility Criteria for Standard Chartered Journey Credit Card

1. Age Requirements
- Primary cardholder must be between 21 and 65 years old at the time of application.
- Supplementary cardholders must be at least 18 years old.
- Ensures accessibility for working professionals and retirees with stable incomes.
2. Income Requirements
- Minimum annual income of RM96,000 for principal cardholders (approx. RM8,000/month).
- May vary by region—SGD90,000 for foreigners in Singapore.
- Accessible to mid-to-high-income earners with stable financial backgrounds.
3. Nationality and Residency
- Applicants must be residents of countries where the card is offered (e.g., Malaysia, Singapore, UAE).
- Malaysians or permanent residents can apply locally; foreigners in Singapore need valid work passes.
- Ensures identity verification and regional compliance.
4. Credit Score
- Preferred credit score: 700 or above for optimal approval chances.
- Reflects responsible credit behavior and repayment discipline.
- Lower scores can be improved with timely payments and reduced debt.
5. Employment Status
- Applicants must have stable income—either salaried or self-employed.
- Salaried employees should submit payslips or salary credit bank statements.
- Self-employed must show income via tax returns or business financial statements.
6. Credit History
- Strong payment history and low credit utilization (under 30%) are ideal.
- Defaults or frequent late payments reduce chances of approval.
- Applicants should review and correct their credit reports before applying.
7. Debt-to-Income Ratio
- DTI ratio should be ideally below 40% for approval.
- High DTI indicates financial overextension and risk.
- Applicants should reduce debts or increase income to improve their ratio.
8. Additional Bank Policies
- May include additional documentation or background checks for verification.
- The bank may assess data from credit bureaus like CCRIS or CIBIL.
- Helps the bank determine repayment ability and mitigate risk.
9. Improving Eligibility
- Pay off outstanding debts and lower credit usage.
- Submit accurate and complete documentation during application.
- Build a consistent income trail if self-employed.
10. Special Considerations for Foreigners
- Foreigners must hold valid work passes or employment permits in applicable countries.
- May need to meet higher income thresholds compared to local residents.
- Additional documentation may be required to prove residency and employment stability.
11. Application Restrictions
- Applicants should avoid multiple credit applications at once to prevent hard pull impact.
- If recently rejected, it’s advisable to wait at least 3 months before reapplying.
- Applicants must meet all stated criteria to ensure smoother approval.

Documents Required for Standard Chartered Journey Credit Card Application

Identity Proof:
- National Registration Identity Card (NRIC) for Malaysian citizens or permanent residents.
- Passport for foreigners applying in countries like Singapore or the UAE.
- Driving License or Voter’s ID (in some regions, such as India).
The identity proof must be valid and include a clear photograph and personal details. For example, a Malaysian applicant can submit a copy of their NRIC, ensuring the document is not expired.
Address Proof:
- Utility Bills (e.g., electricity, water, or internet bills) issued within the last three months.
- Bank Statements showing the applicant’s name and address.
- Aadhaar Card (in India) or Rental Agreement (if applicable).
The address proof must match the address provided in the application form. For instance, an applicant living in a rented apartment can submit a recent electricity bill or a signed rental agreement.
Income Proof:
- Salaried Employees:
  - Latest one-month salary slip showing the applicant’s name and employer details.
  - Bank statements (last three months) showing salary credits.
  - Employment confirmation letter (if requested by the bank).
- Self-Employed Individuals:
  - Latest income tax return computation with income details.
  - Business continuity proof, such as a business registration certificate or financial statements.
  - Bank statements (last six months) showing business transactions.
For example, a salaried employee earning RM8,000 monthly can submit their latest payslip and three months of bank statements, while a self-employed consultant can provide their tax return and business registration certificate.
EPF Statement (Malaysia-Specific):
In Malaysia, applicants must submit their latest two years’ EPF (Employees Provident Fund) statements, downloaded from the KWSP i-Akaun website or mobile app. Effective May 13, 2024, the statement must include “Account 3” details. This document verifies the applicant’s income and employment history, as EPF contributions are tied to salary.

For instance, an applicant can log into the KWSP i-Akaun portal, download their EPF statement, and ensure it reflects the required account details before submission.

Factors Affecting Standard Chartered Journey Credit Card Eligibility

Credit Score:
A credit score of 700 or above is preferred. Credit bureaus like CCRIS (Malaysia) or CIBIL (India) evaluate your score based on:
- Payment History: Timely repayment of loans and credit card bills strengthens your score.
- Credit Utilization: Keep usage below 30% of your total credit limit.
- Length of Credit History: A longer duration of responsible credit use benefits your score.
- Number of Credit Inquiries: Frequent applications lower your score and reduce approval chances.
Income Stability:
A minimum annual income of RM96,000 is required. Salaried applicants should provide payslips or bank statements. Self-employed applicants must show tax returns or business records. Irregular or unverifiable income can reduce eligibility.
Debt-to-Income Ratio:
A DTI ratio under 40% indicates healthy debt management. A high DTI suggests financial stress and may lead to rejection.
- Pay down debts like personal loans and credit cards.
- Delay new borrowings until the ratio improves.
- Increase monthly income or show additional revenue streams.
Employment Status:
Full-time salaried employees or established self-employed individuals are preferred. Contract workers or freelancers need consistent income documentation and tax filings.
Credit History and Behavior:
Clean history without missed payments, defaults, or high balances is key. Banks offer better terms (e.g., lower interest rates) to applicants with strong repayment behavior.
- Pay bills on time and clear outstanding dues.
- Keep credit usage low and avoid late charges.
Application Accuracy:
Ensure all application details (e.g., name, address, income) match your documents. Discrepancies may lead to delays or rejections.
Bank’s Internal Policies:
Standard Chartered may consider your existing relationship with the bank (e.g., savings accounts, loans) and conduct internal risk assessments. Long-term customers with good records may get faster approvals or better credit limits.

Frequently Asked Questions (FAQs) - Standard Chartered Journey Credit Card

1. What is the Standard Chartered Journey Credit Card?

The Standard Chartered Journey Credit Card is a travel-focused credit card designed for frequent travelers. It offers accelerated miles on dining, travel, and overseas spending, along with perks like lounge access, travel insurance, and hotel privileges. It was rebranded from the Standard Chartered X Card in May 2023.

2. Who is eligible to apply for the Journey Credit Card?

In Malaysia, the minimum annual income is RM 96,000, and applicants must be at least 21 years old. In Singapore, eligibility requires a minimum annual income of S$30,000 for citizens/PRs and S$60,000 for foreigners. Supplementary cardholders must be 18+.

3. What is the annual fee for the Journey Credit Card?

In Malaysia, the fee is RM 600, waived for the first year and subsequently with RM 60,000 annual spend. In Singapore, the fee is S$196.20 (with GST), with options for a waiver or enhanced welcome bonus if paid. Supplementary cards are free in Malaysia.

4. How do I earn miles with the Journey Credit Card?

In Malaysia:

5X Miles Points on dining, travel (hotels, airlines, OTAs), and overseas spending
1X on all other eligible local spend

In Singapore:

3 miles per S$1 on online spend (transport, groceries, food delivery)
2 miles per S$1 on overseas spend
1.2 miles per S$1 on other local spend

Note: Bonus miles in Singapore are capped at 3,000 miles per statement cycle.

5. Do the miles earned ever expire?

In Malaysia, Miles Points are valid for 36 months from the credit date. In Singapore, 360° Rewards Points do not expire as long as the card account remains active.

6. How can I redeem my miles?

Miles can be redeemed for:

Air miles with Enrich, KrisFlyer, Asia Miles, and others
E-gift cards, merchandise, or cashback

In Malaysia, 2 Miles Points = 1 air mile. In Singapore, use the SC Online Rewards platform for redemptions.

7. What travel benefits are included?

In Malaysia: Unlimited Plaza Premium Lounge access at KLIA/KLIA2 with international boarding pass.
In Singapore: 2 complimentary Priority Pass visits annually.
Additional perks: Travel medical insurance up to USD 100,000 and one complimentary night at select luxury hotels.

8. What is the Grab airport transfer cashback offer?

In Malaysia, cardholders can earn RM 65 cashback on Grab rides to/from airports monthly, if they spend RM 2,500 on travel-related expenses in the previous 90 days. Cashback is credited within 60 days.

9. What purchase protections are offered?

The Journey Card offers e-commerce purchase protection (up to USD 200 per claim per year) through Mastercard (Malaysia) or Visa Signature (Singapore), covering non-delivery or defective items with valid tracking and receipts.

10. What is the welcome bonus for new cardholders?

In Singapore: Earn up to 45,000 miles — 25,000 with annual fee waiver or 45,000 by paying S$196.20 and spending S$800 in 60 days.
In Malaysia: Promotions vary — check current offers on Standard Chartered Malaysia's website.

11. What are the finance charges for unpaid balances?

In Malaysia: 15%–18% p.a. based on repayment history.
In Singapore: 27.9% p.a. effective interest rate for overdue balances.

12. What is the late payment fee?

Malaysia: 1% of outstanding balance (min RM 10, max RM 100).
Singapore: S$100 if minimum payment is missed.

13. Can I convert purchases to instalments?

Yes. In Malaysia, FlexiPay Plus allows conversion of RM 500+ purchases into instalments (up to 60 months) at low interest rates via SC Mobile App. Other options include Cash-On-Call Plus and Balance Transfer Plus.

14. What happened to my previous X Card?

As of May 19, 2023, X Cardholders were automatically upgraded to the Journey Credit Card. All rewards, balances, and instalments remain unchanged. Existing X Cards are valid until expiry or replacement.

15. Is the Journey Credit Card eco-friendly?

Yes. In Singapore, the card is carbon-neutral and made of environmentally responsible materials. It features number and expiry details on the back for added security and minimalist design.

List of Standard Chartered Journey Credit Card Karnataka Bank Branches

Chamarajanagar - Kollegal
Karnataka - Chamarajanagar
Ramanagara - Channapatna
Ramanagara - Bidadi
Karnataka - Ramanagara

Bangalore Rural - Devanahalli
Bangalore Rural - Hoskote
Karnataka - Bangalore Rural
Gadag - Gadag Main
Gadag - Betgeri

Karnataka - Gadag
Koppal - Gangavathi
Koppal - Kushtagi
Karnataka - Koppal
Uttar Kannada - Karwar

Uttar Kannada - Sirsi
Karnataka - Uttar Kannada
Chikmagalur - Chikmagalur Main
Chikmagalur - Kadur
Karnataka - Chikmagalur

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