The SC Journey Card offers excellent first-year value with its stackable welcome offers. However, like its X Card predecessor, renewals aren't strictly essential.
The StanChart Visa Infinite now offers a 20,000 miles renewal bonus, but with six lounge visits the only notable benefit, it's still not worth the S$599.50 annual fee.
Using temporary blocks to protect your cards might be good security hygiene, but beware — it can backfire with Standard Chartered or UOB credit cards!