StanChart Journey Card offering up to 60,000 miles welcome offer

From now till 31 July 2024, enjoy up to 45,000 miles from StanChart and 15,000 miles from SingSaver with a new StanChart Journey Card.

Since the start of 2024, the StanChart Journey Card has been running a welcome offer of up to 45,000 bonus miles for new-to-bank customers who pay the first year’s annual fee and meet a minimum spend of S$3,000, with a smaller offer of 25,000 bonus miles for those who want a first year fee waiver. 

This has always been stackable with SingSaver’s welcome offers, which have now been upgraded to give what I believe is the best-ever offer of up to 60,000 bonus miles.

StanChart Journey Card 60,000 miles welcome offer

45,000 miles from StanChart

Apply (Fee Waiver)
Apply (Fee Paying)

The StanChart Journey Card’s welcome offer is valid for applications submitted from 1 April to 31 July 2024 by new-to-bank cardholders, defined as those who:

  • Do not currently hold a principal StanChart credit card, and
  • Have not cancelled a principal StanChart credit card in the past 12 months

The size of the bonus depends on whether you pay the first year’s annual fee.

  Pay Annual Fee Annual Fee Waiver
Miles from S$196.20 annual fee
10,000 miles
Spend S$3,000 in first 60 days of approval 35,000 miles 25,000 miles
Total 45,000 miles 25,000 miles

Cardholders who pay the first year’s S$196.20 annual fee will receive 10,000 bonus miles, and a further 35,000 bonus miles when they spend S$3,000 in the first 60 days of approval.

Cardholders who want a first year fee waiver will receive 25,000 bonus miles when they spend S$3,000 in the first 60 days of approval.

Bonus miles are on top of the StanChart Journey Card’s regular earn rates of 1.2-3 mpd, so assuming you spend the full S$3,000 on local, non-bonused transactions, you’re looking at an additional 3,600 base miles (S$3,000 @ 1.2 mpd), for an overall haul of up to 48,600 miles.

Qualifying spend

Cardholders must incur at least S$3,000 in qualifying spend within 60 days of approval.

Qualifying spend excludes:

  • Charitable donations
  • Education expenses
  • Government transactions
  • Insurance premiums
  • Prepaid account top-ups (e.g. GrabPay and YouTrip)

The full list of qualifying spend exclusions can be found in the T&Cs, under Point 10.

CardUp, hospital and utilities transactions are all counted towards qualifying spend. If you’re being told by StanChart CSOs that your CardUp transactions do not count, refer to this link for steps to take.

When will the bonus miles be credited?

The 10,000 miles for paying the first year’s annual fee of S$196.20 will be credited within 60 working days of your card activation date, in the form of 25,000 Rewards Points.

The 25,000/35,000 miles for spending S$3,000 in the first 60 days of approval will be credited according to the following table, in the form of 62,500/87,500 Rewards Points:

Card Approval Month Bonus Points Credited By
April 2024 31 July 2024
May 2024 31 August 2024
June 2024 30 September 2024

15,000 miles from SingSaver

New-to-bank customers who apply for a StanChart Journey Card via the SingSaver links in this post can choose from one of the following gifts:

  • Apple AirPods Pro Gen 2
  • 15,000 Max Miles
  • S$150 cash

These offers are available regardless of whether you apply for the fee paying or fee waiver option.

I personally would take the 15,000 Max Miles, because of how flexible they are. Max Miles can be converted to 25 airline and hotel partners at a 1:1 ratio with no fees, including Aeroplan, Alaska Mileage Plan, Flying Blue, Qatar Privilege Club and World of Hyatt.

What’s the best use of Max Miles?

But even if you’re concerned about accumulating a critical mass of Max Miles, you can at the very least convert them into vouchers with Amazon, Deliveroo, Grab, Lazada, Zalora and more at a rate of 1,000 Max Miles= S$10, giving you S$150 in total. 

Qualifying spend

A minimum spend of S$500 is required within the first 30 days of approval for the SingSaver gifts (which you’d probably be making anyway to meet the StanChart welcome offer criteria).

Do note that StanChart Journey Cardholders who spend at least S$1,000 from days 31-60 after card approval will receive a S$20 eCapitaVoucher. To the extent that you can structure your S$3,000 minimum spend to include S$1,000 in this period, it’s basically the icing on the cake.

For example, you could spend:

  • S$2,000 in days 1-30
  • S$1,000 in days 31-60

Term and Conditions

What can you do with SC Rewards Points?

Standard Chartered used to have 10 different airline and hotel transfer partners, one of the widest ranges in Singapore. 

Unfortunately, that all changed in March 2024, when nine of them were unceremoniously dumped. Cathay Pacific Asia Miles was added, but the overall lineup is certainly a lot thinner than before. 

Frequent Flyer Programme
Conversion Ratio
(SC Points: Partner)
Visa Infinite & Journey All others
25,000 : 10,000 34,500 : 10,000
25,000 : 10,000 34,500 : 10,000

Transfers cost S$27.25 each, regardless of the number of points transferred. 

Overview: StanChart Journey Card

Apply (Fee Waiver)
Apply (Fee Paying)
Income Req. S$30,000 p.a. Points Validity No expiry
Annual Fee
(Including GST)
25,000 points
(10,000 miles)
FCY Fee 3.5% Transfer Fee S$27.25
Local Earn 1.2 mpd Points Pool? Yes
FCY Earn 2 mpd Lounge Access? Yes: 2x Priority Pass
Special Earn 3 mpd on online groceries, food delivery, transport (SGD) Airport Limo? No
Cardholder Terms and Conditions

StanChart Journey Cardholders earn 1.2 mpd on SGD spend, and 2 mpd on FCY spend, with no minimum spend or caps. 

A bonus rate of 3 mpd will be awarded for online transactions in SGD with the following MCCs:

Category Examples
(MCC 5411)
NTUC FairPrice Online, Lazada Redmart
(MCC 5462)
Bengawan Solo, Polar Puffs & Cakes, Chateraise
Misc. Food Stores
(MCC 5499)
Bottles and Bottles, Famous Amos, Irvins Salted Egg
Liquor, Wine or Beer Stores
(MCC 5921)
1855 The Bottle Shop, The Oaks Cellars, Grand Cru
Food Delivery*
(MCC 5811, 5812, 5814)
GrabFood, Deliveroo, Foodpanda
(MCC 4111, 4121, 4789)
Grab rides, Comfort taxi, gojek
Cruise Liners
(MCC 4411)
Royal Caribbean, Princess Cruises, Norwegian Cruise
*Despite the name, the bonus would be equally applicable in situations where a restaurant has online ordering for dine-in (e.g. scan a QR code menu and pay online before receiving your food)
^Not for Bus/MRT, as this is a contactless spend and not online

Do note that the examples are not exhaustive; all that matters is:

  • the MCC falls within the approved range
  • the transaction is online
  • the transaction is in SGD

This 3 mpd rate is capped at S$1,000 per statement month. You could, of course, do better with 4-6 mpd on other cards, but if you’ve maxed out those caps then this would be a potential fall-back option. 

For a full review of the Journey card, refer to the article below. 

Review: Standard Chartered Journey Card


New-to-bank customers who apply for a StanChart Journey Card can now earn up to 60,000 miles if they pay the first year’s annual fee, or 40,000 miles if they want a first year fee waiver.

Either way, you’ll need to clock at least S$3,000 within the first 60 days of approval, and if you save at least S$1,000 for the second 30 day period, you can add an extra S$20 eCapitaVoucher to your haul. 

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Forgot about the S*ngsaver part. As sure as night follows day they will deny the reward and you will spend months arguing with them with a 50-50 chance of ever getting anything.


Can the qualifying spend consider undere Cardup?