Standard Chartered Journey Credit Card
Unlimited Plaza Premium lounge access for principal cardholder
Apply for Standard Chartered Journey Credit Card →
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
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 for principal cardholder. It best suits upper-middle-income earners, with a minimum income requirement of RM96,000 a year. It has an annual fee of RM600 (free 1st year; then waived with min. rm60,000/yr spend (else rm600)). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Unlimited Plaza Premium lounge access at KLIA & klia2 for principal cardholder (guest gets 20% off published rate)
- ✓5x more Miles on dining, travel & overseas spend
- ✓Every 2 Miles = 1 AirMile with your preferred frequent-flyer programme
- ✓Travel medical coverage up to USD100,000 incl. COVID-19
- ✓Annual fee (RM600) waived 1st year; then 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.
- +Annual fee waivable (free 1st year; then waived with min. rm60,000/yr spend (else rm600))
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM600 annual fee unless the waiver condition is met
- −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
The catches most people miss on the Standard Chartered Journey Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- Unlimited Plaza Premium Lounge access at KLIA & klia2 for the principal cardholder only (valid international boarding pass required); accompanying guests get 20% off the published rate, not free entry. Complimentary Grab airport-transfer cashback up to RM65, principal cardholder only, requires min. RM2,500 travel-category spend in the past 90 days, usable once per calendar month.
- Foreign transaction fee
- The Bank will charge a 1% administration fee on the amount transacted in foreign currency with any Visa/Mastercard, plus fees/charges/commission Visa/Mastercard itself sets.
- ⚠Every 2 Miles earned converts to 1 AirMile (or other frequent-flyer currency) — a further 2:1 step beyond the card's own Miles balance
- ⚠The RM600 annual fee is waived automatically in year 1 for new customers only; from year 2 it requires min. RM60,000/yr retail spend (12-month trailing total) or the fee applies
Verified 20 September 2026. Summarised in our own words from Standard Chartered's published terms — indicative only, and terms change. Read the official document before you apply.
📄 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.
The annual fee is RM600, but it can be waived: free 1st year; then waived with min. rm60,000/yr spend (else rm600).
It earns air miles. Unlimited Plaza Premium lounge access for principal cardholder.
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 for principal cardholder". Weigh the RM600 annual fee against how much you'll earn back. 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.