Standard Chartered Journey Credit Card
Unlimited Plaza Premium lounge access (cardholder + 1 guest)
Apply for Standard Chartered Journey Credit Card →
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Standard Chartered Standard Chartered Journey Credit Card overview
The Standard Chartered Standard Chartered Journey Credit Card is a Card-tier Visa miles card built around air miles. Unlimited Plaza Premium lounge access (cardholder + 1 guest). It best suits upper-middle-income earners, with a minimum income requirement of RM96,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Unlimited Plaza Premium lounge access (cardholder + 1 guest)
- ✓5x rewards points per RM1 overseas spend
- ✓1x rewards point per RM1 local spend
- ✓Free travel insurance up to USD500,000
- ✓Annual fee waived with min. RM60,000/yr spend
Is the Standard Chartered Journey Credit Card worth it?
The Standard Chartered Journey Credit Card is best suited to upper-middle-income earners — its minimum income requirement is RM96,000 a year (about RM8,000 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −Higher income requirement — RM96k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Standard Chartered sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read Standard Chartered's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official Standard Chartered Journey Credit Cardterms & product disclosure →Standard Chartered Journey Credit Card FAQ
You need a minimum annual income of RM96,000 (about RM8,000 a month). Standard Chartered also considers your overall credit standing.
No — the Standard Chartered Journey Credit Card is free for life with no annual fee.
It earns air miles. Unlimited Plaza Premium lounge access (cardholder + 1 guest).
No — the Standard Chartered Journey Credit Card is a conventional credit card. Check with Standard Chartered for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want air miles — its main draw is "Unlimited Plaza Premium lounge access (cardholder + 1 guest)". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Standard Chartered Journey Credit Card compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Standard Chartered before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Standard Chartered; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.