Personal Finance Tips

Standard Chartered Journey card review - Should Malaysians use it for overseas spending?

Nicholas Chia

11.03.24 (updated more than 1 year ago)

Read time 3 minutes

Already a Standard Chartered customer? You don’t need to leave your app to benefit from Wise. Standard Chartered has partnered with Wise Platform to integrate global payments infrastructure directly into its services. That means that Standard Chartered customers can access international payment capabilities within their banking experience.

And, because Standard Chartered has partnered with Wise Platform for multi-currency payments, when you use Standard Chartered services, you may be able to access international payment features powered by Wise.

Visit the official Standard Chartered Journey Credit Card page for the latest details on features, fees, and eligibility.

If you’re looking for a credit card to unlock benefits and cash back as you spend, you might be considering the Standard Chartered Journey credit card¹ (formerly known as Standard Chartered Worldmiles). But is it worth getting the SC Journey card for local and overseas spending? How quickly can you earn rewards, and what can you do with them once it’s time to redeem?

This guide has you covered with all you need to know about the Standard Chartered Journey credit card.

Table of Contents
Overview Benefits Earning Miles Redeeming Miles

What is the Standard Chartered Journey credit card?

The Standard Chartered Journey credit card is available to Malaysian citizens and residents with a minimum income of at least 90,000 MYR annually. There’s an annual fee of 600 MYR, waived in the first year - which can also be waived in subsequent years if you use your card frequently enough.

The Standard Chartered Journey credit card offers ways to earn miles as rewards, which you can then trade for air miles from your favourite airline, gifts and cash back. There are also some extras available from Mastercard, like free nights in a hotel, free upgrades and breakfasts when you’re away. The Standard Chartered Journey credit card also has a few other great benefits which have been selected to suit international travellers, like airport lounge access when you travel, complimentary airport transfers and up to 100,000 USD in travel insurance, including Covid cover.

We’ll look more carefully at the Standard Chartered Journey credit card reward programme a little later - first let’s take a look at an overview of the key features and fees you’ll want to think about.


Eligibility	Principal cardholder must be 21 to 65 year old and have a minimum income of at least 90,000 MYR annually
Annual fee	600 MYR, waived in the first year
Interest rate	15% - 18% depending on card usage and payment patterns
Foreign currency transaction fee	1% fee added to the exchange rate set by Mastercard
ATM withdrawal fee (cash advance transaction)	5% cash advance fee (minimum 25 MYR per transaction) + interest at 18%

Standard Chartered Journey card benefits

The Standard Chartered Journey credit card lets you earn rewards as you spend, which you can then redeem for other perks like cashback and hotel stays. We’ll look at the way you earn and redeem rewards with the Standard Chartered Journey card in detail in a moment - but first, a quick rundown of some of the other available benefits:

Unlimited Standard Chartered Journey credit card lounge access when you travel

Complimentary airport transfers

Up to 100,000 USD in travel insurance, including Covid cover

Ecommerce protection to 200 USD in value

Selection of different ways to pay your bills

Ways to have your annual fee waived if you use your card often

Emergency card replacement at home and abroad

Emergency cash if you need it

It’s worth noting that some of these benefits require you to transact with a certain frequency or spend a certain amount using your card over a given period. Other benefits are only available when you sign up for them specifically - they aren’t automatically offered when you get your card.

Read through the terms and conditions of the card carefully before you get started to make sure you don’t miss out on benefits which are important to you.

Earning Miles

When you use the Standard Chartered Journey credit card, you’ll earn miles at a variable rate depending on the spend category. Dining, travel and foreign currency spending earns you 5x rewards, with 1x on all other eligible spending.

Here’s how it works²:


Local Spend on dining	1 MYR spent = 1 mile
Local Spend on travel (including airlines, hotels and online travel agencies)	1 MYR spent = 1 mile
Local Spend on everything else	5 MYR spent = 1 mile
Overseas Spend (Foreign currency)	1 MYR spent = 1 mile

Miles Points redemption

You can redeem your Standard Chartered Journey credit card miles on air miles, gifts or cashback.

If you choose to redeem your Standard Chartered Journey credit card miles for air miles from your preferred airline, you’ll be able to redeem your points at 2 SC Journey miles for 1 mile from your preferred airline.

You can redeem cashback and gifts according to the Standard Chartered Journey miles redemption guide, which you can see by logging into your SC account and navigating to the online miles redemption page³.

👀 Looking for a multi-currency card to spend abroad instead? See how Wise compares to MAE and BigPay

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.