Standard Chartered Journey Credit Card
Earn Miles Points on travel, with hotel privileges and Grab airport transfers in Malaysia.
Eligibility
Minimum Monthly Income
RM 8,000 (RM 96,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Any Business
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest EPF statement (minimum 6 months – 2 years contribution)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and spend a minimum of RM60,000 for the subsequent years to get annual fee waiver
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn 1X Miles Point on travel, overseas retail and dining spend, 1X Miles Point for every RM5 on other local spend and 1 Air Mile for every 2 Miles Points when redeeming points.
Unlimited access to Plaza Premium Airport Lounge in KLIA and KLIA2 for international flights and complimentary airport transfer in Malaysia via Grab and cashback up to RM65 on your first Grab transaction of the month.
Standard Chartered FlexiPay Plus stretches repayment up to 60 months at low interest rates, with applications made easily via the SC Mobile Banking App.
Standard Chartered Balance Transfer PLUS consolidates credit card debt instead of letting it accumulate through minimum monthly repayments. Interest rates are as low as 5.99% per annum, with repayment periods of up to 36 months.
Enjoy digital payments via Apple Pay, Samsung Pay & Google Pay. Also, enjoy exclusive hotel privileges include free nights, complimentary breakfasts, room upgrades and more.
Benefits
Annual fee waiver
Enjoy the first year free! The subsequent years' annual fee is waived with a minimum of RM60,000 retail spend per year
Flexible credit lines
Have more cash flow with Standard Chartered's Cash-On-Call-Plus, Easy-Payment-Scheme, Flexi-On-Balance-Plus and others
e-Commerce purchase protection
Get covered up to USD200 for your online purchases exclusively by Mastercard. Terms and conditions apply
Up to USD100K Travel Medical Coverage
Get up to USD100,000 travel medical coverage (including COVID-19 coverage), when you're travelling. Simply sign up to enjoy this privilege!
One Night Free with Mastercard
Extend your vacation with one additional complimentary night at selected luxurious partner hotels and resorts
Mastercard Traveler Rewards
Travel, shop at participating overseas merchants and pay with the Journey Credit Card online or instore and enjoy exclusive offers and cashback
Terms and Conditions
Product review by CompareHero
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 can 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, overseas retail and travel spend (hotel, airline and online travel agencies spend like Agoda and Expedia)
| Category | Miles Points |
| Dining, overseas retail and travel spend | 1X Miles Point for every RM1 spent |
| Other local spend | 1X Miles Point for every RM5 spent |
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 travel and lifestyle 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 KLIA2 for international travels
- Exclusive deals and privileges to over 4,000 outlets in Malaysia and across Asia
- Special one (1) additional complimentary night on your booking at selected 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 expenses 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 apply for the Standard Chartered Journey Credit Card, you have to be earning an annual income of RM96,000 or RM8,000 monthly. 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.