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Standard Chartered
Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card

RM 7,500

Minimum monthly income

RM 600

Annual fee
Waived on the first year and in the following years when you spend at least RM60,000 on retail purchases every year.

15%

Interest rate p.a

5.99%

Balance transfer rate (fixed)

Special Offers

Win a Dyson Hairdryer HD08, iPad 10th Gen or RM2,000 credits via Rewards360 when you apply, activate and spend with Standard Chartered credit cards via CompareHero today.

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Product details

Benefits

e-Commerce purchase protection

Get covered up to USD200 for your online purchases

Annual fee waiver

First year annual fee waiver

Subsequent years' annual fee waiver with a minimum of RM60,000 retail spend per year

One Night Free with Mastercard

Extend your vacation with one additional complimentary night at luxurious partner hotels and resorts

Mastercard Traveler Rewards

Exclusive offers and automatic cashback from participating overseas merchants

Travel, shop and pay with the Journey Credit Card online or instore

Features
Good for Travel
Earn 5X Miles on travel and dining spend (earn 1 Mile Point for every RM1)
Unlimited access to Plaza Premium Airport Lounge in KLIA and KLIA2 for international flights
Complimentary airport transfer in Malaysia via Grab and cashback up to RM65 on your first Grab transaction of the month
Enjoy digital payments via Apple Pay, Samsung Pay & Google Pay
Earn 1 AirMile for every 2 Miles Points when redeeming points
Annual fee waived on the first year and the following years for a minimum of RM60,000 retail spend every year
Earn 1 Mile for every RM5 on other local spend
Eligibility
Minimum monthly incomeRM 7,500
Minimum age:
Cardholder21
Supplementary Cardholder18
Fees & Charges
Annual fee RM 600
Waived on the first year and in the following years when you spend at least RM60,000 on retail purchases every year.
Annual fee waiver Yes
Waived on the first year and in the following years when you spend at least RM60,000 on retail purchases every year.
Late payment fee RM 10/1%
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Interest rate 15%
15% interest are for cardmembers who promptly settle their min payment due for 12 consecutive months, with a max cap of 18% interest dependent on customer payment behaviour.
Balance transfer rate (fixed) 5.99%
12 months Balance Transfer period
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees (Private Fixed Income and Government):

  • Photo of NRIC (front / back)
  • Proof of Income, such as:
    • Latest detailed EPF statement (minimum of 6 months)
    • Latest 3 months salary slip (and 3 bank statements for government employees)
    • Borang BE with LHDN Acknowledgement Receipt

Salaried Employees (Commission earner)

  • Photo of NRIC (front / back)
  • Proof of Income, such as:
    • Latest detailed EPF statement (minimum of 6 months)
    • Latest 6 months salary slip / commission statement
    • Borang BE with LHDN Acknowledgement Receipt

Salaried Employees (Employed in Singapore - fixed and commission earner):

  • Photo of NRIC (front / back)
  • Proof of Income, such as:
    • Latest 3 months salary slip (3 bank statements if required)
    • 6 months payslips / commission statement
    • Latest 6 months CPF Contribution history statement or latest income tax notice of assessment

Business Owners:

  • Photo of NRIC (front / back)
  • Borang B/BE with LHDN Acknowledgement Receipt
  • SSM for Sole Proprietor/ Partnership / Private Limited Co. for businesses that have been active for 2 years

For existing Standard Chartered credit cardholders:

  • Only update your documents if you've recently had a change in your salary

Product review by CompareHero.my

The Standard Chartered Journey Credit Card is the best travel card for travel enthusiasts as you can earn Air Miles quickly. For every RM you spend overseas or locally which you charge with your air miles card, you are able to redeem airline tickets, gifts, cashback or upgrade to business class for free.

With the Standard Chartered Journey Credit Card, you get to spend and earn air miles points from various categories, not just travel-related.

How to redeem Miles Points

Earn up to 5X Miles Points for dining and travel spend (hotel, airline and online travel agent spend like Agoda and Expedia)

CategoryMiles Points
Travel, overseas and dining spend

Every RM1 spend earns you 1 Mile

Other local spend

Every RM5 spend earns you 1 Mile

Though it may be one of the easiest ways to earn air mile points, there are several terms and conditions regarding the exchange:

  • The Miles Points are only valid for 36 months upon being credited into your account.
  • Air miles points can only be redeemed from AirAsia BIG, Malaysia Airlines Enrich, Cathay Pacific Asia Miles and Singapore Airlines Krisflyer.
  • To be able to redeem air miles, it can only be in multiples of 1,000 points
  • 1 Air Mile = 2 Miles Points

Read Standard Chartered Journey Credit Card Terms & Conditions here.

Enjoy exclusive privileges

With the Standard Chartered Journey Credit Card, you can also enjoy exclusive travel perks such as:

  • Free airport transfers in Malaysia via Grab
  • Unlimited complimentary access to the Plaza Premium Lounge located in KLIA and KLIA 2 for international travels
  • Exclusive deals and privileges to over 4,000 outlets in Malaysia and across Asia
  • Special 1 additional complimentary night on your booking at luxurious hotel and resort partners

The Standard Chartered Journey Credit Card also offers cashback as high as RM65 for your airport transfers via Grab in Malaysia. However, you are only entitled to this perk if the principal cardholder spends a minimum of RM2,500 on travel spend 90 days before the Grab ride.

If you regularly shop online internationally or locally, receive up to USD200 protection for e-Commerce when fraud, theft or misconduct happens online. All you have to do is contact customer service and get your new card delivered to you.

What are the Standard Chartered Journey Credit Card requirements?

To be able to apply for the Standard Chartered Journey Credit Card, you have to be earning an annual income of RM90,000. This travel card is not suitable for fresh graduates, even though the minimum age requirement is 21 years old. However, if you are 18 years of age, you can opt for a supplementary card.

  • Click here to read the Standard Chartered Journey Credit Card Product Disclosure Sheet

FAQs

You can simply apply with us online at CompareHero. If you have other inquiries regarding the application process, you can also call us at +6012-385 0211 and customer heroes will assist you further.

For this credit card, there is an annual fee of RM600. The annual fee is waived for the first year. However, the subsequent years can be waived provided you spend a minimum of RM60,000 on retail spend for a year. If you settle your monthly repayments for 12 months continuously, the interest rate will be 15%. As for the late payment fee, it will be 1% or RM10 out of the outstanding balance, whichever is higher, with a maximum cap of RM100. 

To be eligible for this card, you have to be of the minimum age requirement which is 21 years old with an annual income of RM90,000 or RM7,500 a month. However, if you are 18 years old, you can apply for a supplementary card. 

With this credit card, you will be able to:

  • earn up to 1 Mile Point for every RM1 on dining, overseas and travel spend (Agoda, Booking.com)
  • earn Miles points and convert them into air miles on international and local spending
  • unlimited free access to the Plaza Premium Lounge in KLIA and KLIA2
  • get a complimentary airport ride transfer with up to RM65 cashback in Malaysia with Grab, applicable only when you spend a minimum of RM2,500 travel spend within 90 days before the Grab ride

If you regularly travel overseas and love to shop while you’re travelling, this travel card is the best option for you. All you have to do is spend on groceries, shopping, dining and entertainment with the Journey Credit Card in order to exchange the points earned for Air Miles with your preferred frequent flyer program. Not to mention you’ll also receive complimentary access to the Plaza Premium Lounge in KLIA and KLIA2 for international travels, providing you with extra comfort whenever you fly frequently.

Standard Chartered Journey Credit Card
Standard Chartered Journey Credit Card
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