Standard Chartered X card now rebranded as Journey card, with a good sign-up bonus


Standard Chartered has rebranded the unpopular X card as Standard Chartered Journey Visa card, effective immediately.

Key points to note

  • 3 points per dollar (1.2 mpd) on local SGD spend
  • 5 points per dollar (2 mpd) on foreign currency spend
  • 7.5 points per dollar (3 mpd) on groceries, food deliveries and ride-hailing (till 31 Dec 2023, up to $1,000 per statement month)
  • Miles/Points do not expire
  • Points conversion ratio remains at 25,000 points = 10,000 miles
  • Transfer partners include KrisFlyer, Privilege Club and Infinity MileageLands
  • Foreign currency fee rebate (3.5%) in Jun, Jul, Nov & Dec 2023
  • 2 free airport lounge visits per membership year (Priority Pass)
  • Annual income requirement of $30k (previously $80k)
  • Annual fee of $194.40 (first year waived, previously $695.50)
  • Existing SC X cards now function as SC Journey card (FAQs)
  • Sign-up bonus of up to 45,000 miles + $20 cash (see below)
  • Complimentary travel insurance
  • Terms and conditions
Image: Standard Chartered Singapore
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Sign-up bonus

From 19 May to 17 July 2023, new cardholders of Standard Chartered can get up to 45,000 bonus miles + $20 in cash as a sign-up bonus.

IMPORTANT steps to take during application
To receive the sign-up bonus, you are required to follow these important steps:

1) Click on any link in this page
2) Enter your email address
3) Complete your application on the bank’s website and take note of the application reference number (ARN)
4) Fill up the redemption form that you receive via email

Apply through Suitesmile
(no minimum spending)
$20 cash +
Spend within 30 days
from card approval
(no min. spend,
up to S$5,000)
+5 miles per dollar
(up to 62.5k points,
25k miles)
Pay $194.40 annual fee
25k points
(10k miles)

I can’t recommend opting for the annual fee payment of $194.40 just to earn an additional 10,000 miles. But earning a total of 6.2 to 7 miles per dollar on your first $5,000 spend is awesome!


Should you get this card?

So, should you apply for this card?

This is a good general-spending card with non-expiring miles/points, good transfer partners, free airport lounge visits, 3.5% FX fee rebates on certain months and decent uncapped earn rates. If you are someone who can’t be bothered with the limitations of specialized 4 mpd cards, it’s hard to go wrong with this one.

By having Infinity MileageLands as a transfer partner, cardholders can redeem just 25,000 miles to travel to Japan/Korea in Business Class.

If you are a new cardholder of Standard Chartered and have large spending(s) of up to $5,000 coming up in the next 30 days, this is also a fantastic opportunity to earn 6.2 to 7 miles per dollar on that spending.

If you are heading overseas in the next couple of months, it will be pretty amazing to get 3.5% rebate of the FX fees and earn 7 miles per dollar on your foreign currency spending.

If you are someone who has highly-optimized your credit card usage with specialized cards, the bonus categories that this card offer, to earn 3 miles per dollar, are honestly quite rubbish.

Bottom line

Wow, Standard Chartered is finally offering a good miles/rewards card.

The refreshed card retains some good benefits from the original X card and made it better with some additional ones, a lower income requirement and annual fee (that can be waived for the first year).

With the amount of flexibility that it offers, this card positions itself as a good entry-level general-spending card, along with HSBC TravelOne and Citi PremierMiles.

Is Standard Chartered Singapore finally getting serious about offering good miles/reward cards in Singapore? I hope to see a good specialized 4+ mpd card from the bank in their new Journey; don’t stop believin’!

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