Standard Chartered Journey Credit Card
Standard Chartered Journey Credit Card
RM 8,000
Minimum monthly income
RM 0
Annual fee
Free for the first year and in the following years, when you spend at least RM60,000 on retail purchases every year. Otherwise, RM600 annual fee is charged for the Principal Card while it is free for the Supplementary Card
15%
Interest rate p.a
3.99%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
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
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
Features
Good for
Travel
Earn 1X Miles Point on travel, overseas retail and dining spend
Earn 1X Miles Point for every RM5 on other local spend
Earn 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
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
Annual fee waived on the first year and the following years for a minimum of RM60,000 retail spend every year
Eligibility
| Minimum monthly income | RM 8,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year and in the following years, when you spend at least RM60,000 on retail purchases every year. Otherwise, RM600 annual fee is charged for the Principal Card while it is free for the Supplementary Card |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Per annum and for cardmembers who promptly settle their minimum payment due for 12 consecutive months, with a max cap of 18% interest dependent on cardmembers' payment behaviour |
| Balance transfer rate (fixed) | 3.99% | Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year and in the following years, when you spend at least RM60,000 on retail purchases every year. Otherwise, RM600 annual fee is charged for the Principal Card while it is free for the Supplementary Card |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Per annum and for cardmembers who promptly settle their minimum payment due for 12 consecutive months, with a max cap of 18% interest dependent on cardmembers' payment behaviour |
| Balance transfer rate (fixed) |
3.99% Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
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 2 years and downloaded from KWSP i-Akaun app/website)
- Latest Form B/BE with LHDN Acknowledgement Receipt
Salaried Employees (Commission earner)
- Photo of NRIC (front/back)
-
Proof of Income, such as:
- Commission statement and bank statement
- Latest Form B/BE with LHDN Acknowledgement Receipt
Business Owners:
- Photo of NRIC (front / back)
- Latest Form B/BE with LHDN Acknowledgement Receipt
For existing Standard Chartered credit cardholders:
Only update your documents if you've recently had a change in your salary.
Note:
Effective 13 May 2024, please ensure that "Akaun 3" is shown in the downloaded EPF statement.
- Click here to read Standard Chartered Journey Credit Card's Terms and Conditions
- Click here to read Standard Chartered Journey Credit Card's Product Disclosure Sheet
Product review by 
Product review by
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.
FAQs
FAQs
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 RM96,000 or RM8,000 a month. However, if you are 18 years old, you can apply for a supplementary card.
With the Journey Credit Card, you will be able to earn up to 1X Mile Point for every RM1 on dining, overseas retail and travel spend (such as Agoda, Booking.com and Expedia), get to accumulate Miles Points and convert them into air miles on international and local spending, enjoy unlimited free access to the Plaza Premium Lounge in KLIA and KLIA2, including 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.
