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  1. Credit Cards
  2. Apply For Journey Credit Card

Get AED 1,000 Welcome Cashback when you apply for a Journey Credit Card today*.

*Spend a minimum of AED 10,000 within 60 days of the credit card opening date. T&Cs apply1.

  • Earn 4 360º Rewards Points for every USD 1 spent internationally
 
  • Earn 2 360º Rewards Points for every USD 1 spent locally
 

Journey Credit Card Features

Limited time offer – Earn 50% bonus points

  • Earn 50% bonus rewards points on your international non-aed spends.
  • To participate simply SMS fx25 to 3133 from your registered mobile number anytime between the campaign period.
  • Offer period is from 1st November 2025 till 31st January 2026.
  • Click here to know the campaign offer terms and conditions.

Limited time offer – Earn 30% discount on Careem

  • Enjoy flat 30% off* on Quik (Groceries) orders up to a maximum of AED 30 per transaction and DineOut transactions up to a maximum of AED 50 per transaction.
  • Just place your order on the Careem app by using your Journey card and apply SC30 promo code to activate the discount.
Click here to know the campaign offer terms and conditions.

DUBZ airport services

  • 15% discount on all DUBZ airport services. Let DUBZ take the stress out of your travels. From Home Check in and Luggage Delivery services to airport assistance, make your journey smoother and more enjoyable.
  • Click here and enter the required details to avail the offer.

Earn 10% cashback at UAE airport duty free stores.2

  • Earn automatic cashback whenever you shop at UAE duty free stores.
  • Simply activate the cashback offer by purchasing an airline ticket.
  • Cashback is capped at AED 100 per statement. Find out more.
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Earn 10% cashback on your airport duty-free spends2.

Find out more.

Enjoy 4 Airport transfers annually3.

Find out more.

Enjoy up to 2 golf rounds Bookings4.

Find out more.

Complimentary access to Warehouse Gyms.5

Find out more.

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Application Eligibility

  • Age 21 to 60 years old
  • Minimum Monthly Income AED 30,000
  • SCB Current or Savings Account

Documents Required

  • Copy of Emirates ID / Passport and Visa copy
  • Salary Transfer Letter or Bank Statement/Salary Certificate
    Refer to application form for details.

Note – Minimum credit limit on Journey credit card is AED 20,000

Application Eligibility

  • Age 21 to 60 years old
  • Minimum Monthly Income AED 30,000
  • SCB Current or Savings Account

Documents Required

  • Copy of Emirates ID
  • Salary Transfer Letter or Bank Statement/Salary Certificate
    Refer to application form for details

Annual fee for new customers

AED 1,575 (Get First year annual fee waiver by meeting minimum AED10,000 spends in first 60 days. After the first year and every year after that, your annual fee will be waived if you spend at least AED 150,000 in the previous 12 months).

Annual Fee for Supplementary card(s)

No Fee (Free – Unlimited for family member(s))

Finance charges

Retail: 3.69% per month

  • For more details on all other applicable fees and charges, please click here. Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable.
  • Note: If you don’t meet the minimum spend for the Annual Fee waiver, you’ll be charged an annual fee of AED 1,500 (AED 1,575 inclusive of VAT) in the 3rd month in first year, and so on for every first month statement of the new annual cycle statement.

You can claim cashback in two simple steps. For e.g. you have 100,000 360o Rewards Points saved up (equivalent to AED 2,000 cashback)

  1. You buy an Emirates Ticket for AED 2,000
  2. Call us on 800 4949 and ask us to redeem your points for cashback, after you have purchased your ticket

Yes, a minimum spend of AED10,000 or more every month is required for the cardholder to avail the complimentary round of golf at partner golf clubs and Warehouse Gym access.

  • Golf: If the minimum spend requirement is not met, a fee of AED525 will be applicable. Golf privileges are subsided by Standard Chartered Bank and not a direct offer from the golf clubs.
  • Warehouse Gym: If the minimum spend requirement is not met, a fee of AED525 will be applicable. Cardholders will be requested to charge their Journey credit card for AED1 for every visit to a Warehouse Gym outlet which will be reversed in the following statement
  • Download the SpikesOn App from Appstore or Google Play.
  • Create your account in the app by entering your details and applying the OTP verification code sent to your mobile phone or registered email address.
  • Click on the Standard Chartered tile under the ‘Specials’ section on the homepage.
  • Click “Upload Your Card” and proceed to upload your Standard Chartered Journey credit card.
  • Once your card has been uploaded, return to the homepage and click on the Standard Chartered tile in the ‘Specials’ section on the homepage.
  • Proceed to select which golf course you would like to play at.
  • Select a Date and Time.
  • Proceed to complete the booking.

In the event of a medical emergency or if your claim relates to travel you should call the Assistance Department who are available 24 hours at:

+971 (4) 253 6024 (Arabic, French, English)

For all other claims please email the Claims Helpline at visa@broadspire.eu. You will need to provide:

  • Cardholder’s name
  • First 9 digits of the Journey card number
  • Cardholder’s address
  • The section under which you wish to make a claim
  • Brief details of your claim

Coverage Examples: For full terms and conditions of the coverage, please click here.

Maximum Coverage Amount: 100% of Benefit Please refer to the terms and conditions for full policy details, including cover, conditions, limits and exclusions.

No, as a client, you are not required to take any action. All the system and communication changes with our partners have been managed by Standard Chartered Bank. Your Visa infinite card will automatically be replaced with a new Journey design card on renewal, or on replacement which is requested to us through any of our authorised channels (by the client).

  • Journey Credit cardholders are entitled to earn 10% cashback capped at maximum of AED100 per statement on purchases made at duty free stores in all UAE airports – Merchant category code (MCC) 5309.
  • The offer is only applicable from or after 01st March 2025 to 31st December 2025. Any transactions made before the offer start date 01st March 2025 or after the offer end date 31st December 2025 will not be eligible for the cashback rewards offer.
  • To qualify for this benefit, you must have conducted at least 1 Airline transaction within the last 180 calendar days, from the date of purchase at duty free stores in the UAE.
  • The maximum cashback reward offer amount is capped at AED 100 per statement.
  • The eligible cashback reward will be automatically credited as a ‘cashback credit’ in the Journey credit card statement.
  • Both primary and supplementary cardholders’ transactions will be accumulated for the cashback reward
  • In the event a Cardholder does not meet the eligibility criteria; there will be no cashback reward.
  • The benefits and features set out are as current as the date they appear. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.
  • The Bank reserves the right in its sole discretion to cancel, terminate, modify, or suspend this Offer and to disqualify any participant who tampers with the offer and/or the entry process.
  • These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all Credit Card accounts as contained in the Credit Card Terms and Conditions. See Credit Card Terms available at https://www.sc.com/ae/help-centre/downloads/. In the event of any inconsistency or conflict between the offer terms and conditions and the Credit Card Terms and Conditions, the Credit Card Terms and Conditions shall prevail.
Eligible Card Offer valid for Eligible spend category code Offer Reward Maximum discount per month Spend condition Eligible Airlines spend – Merchant Category code (MCC)
Journey Credit card Offer only valid on duty free store spends in UAE Duty free ‘5309 ‘ 10% cashback Maximum cashback of AED 100 per statement across primary and supplementary cards Subject to at least 1 airline ticket purchase was made within the last 180 days 3000,3301 & 4722
This benefit is only available for Journey credit card holders whose card accounts are in good standing order (not in arrears) This program is not transferable. Offer details:
  • Journey Credit cardholders are entitled to avail 4 complimentary Airport transfer car rides in a calendar year.
  • To qualify for this benefit, you must have conducted at least 1 Airline transaction within the last 180 days from the date of booking the car ride on the Careem application.
  • The maximum offer amount is capped at AED 100 per ride
  • The offer is only valid on rides to and from UAE airports
  • This benefit can only be availed if the rides are booked though the Careem mobile app. The discount is available when Customer books Trips on all car types, except Hala Taxi.
  • The benefit can be shared between Primary and supplementary card holders (total of 4 rides can be used between primary and supplementary card holders annually.) Annual period will be from January to December every year.
  • Make sure to pay with your journey credit card and use the promo code SCB100 to unlock the offer and save up to AED 100 on each ride
  • In the event a Cardholder does not meet the eligibility criteria; the relevant charges of the ride will be debited from the cardholder’s credit card.
  • Eligible Airline spends – To be eligible for airport transfer rides, the transactions must be conducted directly with the airline or travel agency (only MCC codes from 3000 to 3301 and 4722 will be considered). The airport transfer benefit is only applicable to transactions made through airlines or travel agencies; other transactions will not be eligible. offer.
  • The Car ride service is provided by Careem and is subject to Careem’s terms and conditions, available in careem.com/en-AE/terms-of-service. Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third-Party Site (apps) or the products or services that may be offered or obtained through them. Any Third-Party vendor fees/charges are applicable and may incur VAT
  • For any help and support on the Careem offer, please reach out to their Help center via the Menu tab in the Careem application.
  • The benefits and features set out are as current as the date they appear. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.
How to Use
  • Download the Careem app from the App Store or Google Play Store.
  • Add your Journey Credit Card in Careem app.
  • Select Rides.
  • Scroll down and enter the promo code ‘SCB100’ when booking to enable your complimentary airport ride.
  • Select your ride “to” or “from” the airport.
  • Pay by your Journey credit card.
Eligible Card Offer valid for Ride company Total number of discounts Maximum discount per ride Spend condition Eligible Airlines spend – Merchant Category code (MCC)
Journey Credit card Offer only valid to and from in UAE airport terminals Careem 4 rides per year from January to December (each year) Maximum discount of AED100 on each booking Subject to at least 1 airline ticket purchase within the last 180 days. 3000 – 3301 & 4722
  • All new golf slot booking can be reserved through the SpikesOn.com mobile app or website. Please follow the below steps to confirm your booking:
    • Download the SpikesOn.com App from Appstore or Google Play.
    • Create your account in the app by entering your details and applying the OTP verification code sent to your mobile phone or registered email address.
    • Click on the Standard Chartered tile under the ‘Specials’ section on the home page.
    • Click “Upload Your Card” and proceed to upload your Standard Chartered Journey credit card.
    • Once your card has been uploaded, return to the home page and click on the Standard Chartered tile in the ‘Specials’ section on the home page.
    • Proceed to select which golf course you would like to play at.
    • Select a Date and Time.
    • Proceed to complete the booking.
  • The eligible Golf clubs for booking are:
    • Dubai Hills Golf Club (Dubai)
    • The Montgomerie (Dubai)
    • The Els Club (Dubai)
    • Arabian Ranches Golf Club (Dubai)
    • Trump International Golf Club (Dubai)
    • Al Zorah Golf Club (Ajman)
    • Abu Dhabi Golf Club (Abu Dhabi)
    • Saadiyat Beach and Golf Club (Abu Dhabi)
  • All Journey cardholders are eligible for 1 complimentary round of golf each month, this complimentary visit per month is a shared benefit limit between the primary and supplementary credit card holders. Whereas all Priority Private Journey credit cardholders are eligible for an extra round of golf each month which means they get 2 rounds of golf per month, this complimentary visit per month is a shared benefit limit between the primary and supplementary credit card holders.
  • The Journey credit cardholder is limited to a maximum of 3 rounds of golf in a calendar year at the 8 participating facilities (Golf Clubs). For example, each golf club has a maximum booking limit of three rounds in one calendar year period. If the maximum booking limit (3 rounds) has been availed in the same calendar period, then the cardholder will require to choose another listed golf venue for booking.
  • You must spend AED 10,000 on your credit card each statement month to enjoy this offer, otherwise a one-time fee of AED 525 will be charged for each game booked.
  • Golf privileges are subsidised by Standard Chartered Bank and not a direct offer from the golf club. Only available for Journey credit cardholders whose card account is in good standing order and is regularised (not in default or not cancelled for any reason). This program is not transferable.
  • The cardholder will be charged with an additional game fee of AED 525 if the round of golf booking made on SpikesOn.com is more than one booking in the same month.
  • This benefit is only available when you book via the SpikesOn.com mobile app or on their website www.spikeson.com, using your eligible Standard Chartered Journey credit card. The SpikesOn.com mobile app is offered by Back9 Solutions General Trading LLC.
  • The bookings are required to be placed a maximum of seven (7) days before the date of play on weekdays and weekends.
  • SpikesOn.com App will have the capability of Booking one (1) complimentary game for the calendar month based on the date of play & not the date of booking. For example, if the customer has booked 1 game in April, they will not be able to play another round in April. But they can make another booking in April to play during the following month.
  • Any unused round of golf at the end of a month will not be rolled over into the next month.
  • Process of making any changes in the Golf booking after receiving the confirmation:
    • If the booking is outside 48 hrs, the customer can make adjustments via the app. The only change they cannot make is to add an additional person to a booking or move the booking to a different time. In such cases, the customer can simply cancel the original booking and book again. Any changes made to a booking will be notified to the client by email with a booking confirmation.
    • If the booking is within the 48 hrs cancellation policy, the customer can contact the golf club directly and if agreed to by the golf club, the golf club can make any changes to the booking. Journey credit cardholders will have to pay for buggy, caddie, turf mate, locker fee and insurance at normal published rates & any other fees, where applicable at the club. The credit cardholders credit card will be charged for the full amount 48 hours before a booking after the cardholder confirms the booking using SpikesOn.com.
  • Card holders’ guests have to pay for green fee, buggy, caddie, turf mate, locker fee and insurance at normal published rates & any other fees, where applicable.
  • In case of cancellation within 48 hours of the booking time or the client did not show up for the golf round, the cardholder will incur fee/charges charged from the participating Golf Clubs as per the rate on that day. This rate will be subjective to the rate offered by the golf club to the Bank. Also, the golf round of that month will also be marked as consumed.
  • Journey credit cardholders shall make golf enquiries through SpikesOn.com dedicated hotline number +97142348885 and dedicated email help@back9solutions.com. Journey credit cardholders can also benefit from the automated ‘Help Bot’.
  • Standard Chartered Bank or SpikesOn.com reserves the right to withhold services to golfers who do not abide by the terms and conditions of play.
  • Acceptance of all bookings/changes to tee times will be at the discretion of the golf clubs and subject to availability.
  • Applicable Third-Party vendor fees/charges may incur VAT.
Limited time campaign for extra round of golf Terms & Conditions (1 August 2025 till 28 February 2026)
  • For a limited time, all Journey credit cardholders will be eligible for an additional round of golf per month, which makes two complimentary rounds of golf each month. The complimentary rounds per month is a shared limit between the primary and supplementary credit card holders.
  • This increase in complimentary rounds of Golf will remain effective from 1 August 2025 to 28 February 2026 only.
  • To enjoy 2 complimentary golf rounds, you must spend a minimum of AED 12,000 on your card each statement month, otherwise a one-time fee of AED 525 will be charged for each golf round played.
The new spend threshold condition is inclusive of the existing conditions listed in Golf Terms and Conditions in Journey card webpage.
Product Name Actual benefit Limited time offer between   1 Aug to 28 Feb 2026   Minimum spend requirement to be eligible for two rounds of Golf (in AED)
Journey credit card 1 complimentary round each month 1 additional complimentary round each month 12,000
Illustration:
Month Number of Golf rounds used Monthly consolidated spends across both Primary and Supplementary credit cards Will a Fee (AED 525) be charged for using the golf benefit?
Jul – 2025 1 AED 10,500 No, since the customer has met the spend requirement of 1 complimentary Golf round, which is AED10,000.
Aug – 2025 2 AED 12,000 No, since the customer has met the spend requirement of 2 complimentary Golf rounds, which is AED12,000.
Sep – 2025 2 AED 11,500 Yes, since the customer has not met the minimum spend requirement of 2 complimentary Golf rounds, which is AED12,000
Oct – 2025 3 AED 12,000 Yes, since the customer has exceeded the maximum complimentary Golf rounds (two) in a statement.
  • Note – our benefit of two golf rounds (per month) in the UAE and minimum spend condition of AED10,000 for our Priority Private and Journey credit cardholders will remain the same. This campaign will only allow the other Journey credit cardholders to benefit from the additional round of complimentary Golf for the mentioned limited period.
  • The complimentary additional round of golf is subject to meeting a minimum spend requirement of AED 12,000 on your card each month.
  • All Journey cardholders will have complimentary access to all Warehouse GYMs across the UAE. The complimentary access is limited to up to 30 visits per month for all Journey credit cardholders. The total 30 visits will be cumulative of Primary and Supplementary cardholders’ visits. A one-time fee of AED 525 will be applied if the total number of visits exceeds 30 visits in a month.
  • An exclusive privilege for Priority Private Journey cardholders: Unlock unlimited access to Warehouse Gym outlets by meeting a minimum spend of AED 10,000 per month.
  • A minimum spend of AED 10,000 or more each billing month is required to enjoy complimentary Warehouse Gym access. If the minimum spend is not met in that billing month, an AED 525 fee applies. Cardholders will be charged AED 1 on their Journey credit card at every Warehouse Gym visit, which will be reversed in the following statement.
  • A valid photo ID will be required to gain access to Warehouse Gym outlets.
  • Warehouse Gym terms and conditions are applicable and available at Warehouse gym’s website https://whgym.com/
  • Journey card holders should provide details of any specific medical conditions that they feel any ‘Coach/Trainer’ should be made aware of prior to using any Warehouse Gym facility.
  • Warehouse Gym, The Warehouse Fitness Center LLC, or any associated company, cannot accept responsibility or liability for any injury, loss, fatality or damage caused to any person or property whatsoever while using the club facilities.
  • Journey card holders need to fill the Physical Activity Readiness Questionnaire (PARQ Form) at club reception to use the club (first time only).
  • Journey card holders shall be subject to the standard terms and conditions applicable to a Warehouse Gym Member, or any such other terms and conditions agreed between Standard Chartered and the Warehouse Gym.
  • Standard Chartered Bank accepts no responsibility or liability for any matters (including but not limited to injury, loss, fatality or damage caused to any person or property) arising out of or in connection with the use of Warehouse Gym facility by a Journey card holder.
  • A maximum of 6 tickets (3 free) per movie session (2D and 3D movie tickets) can be availed under this offer, on Standard Chartered credit cards.
  • A fair usage policy applies – a maximum of 8 tickets (4 free) may be purchased per person per card each month.
  • Ticket types available under this offer:
    • 2D & 3D Standard
    • 2D  MAX
    • 2D Premium View (Mercato, Nation Towers, Nakheel)
    • 3D Premium View
    • 2D MAX Atmos Premium View
    • 3D MAX Standard
    • 3D MAX Premium View
  • Starting 18th September 2025 in addition to the above experiences the ticket types available using your Journey Credit Card will be:
    • 2D & 3D KIDS
    • 2D & 3D IMAX Standard/Regular/Preferred View
    • 2D & 3D GOLD
    • 2D & 3D Theatre (Excluding Mall of Emirates)
    • 2D Premier & Premier Premium View
    • IMAX Balcony
  • Any movie experience not listed above is not eligible for the cinema ticket offer.
  • Standard Chartered credit card holders can enjoy 25% discount on any single items of food and beverages at the Candy Bar excluding combos.
  • Card holders are required to present their purchased ticket and their Standard Chartered credit card at the relevant candy bar at the venue to avail the popcorn offer.
  • Seating is subject to availability and will be allocated to Standard Chartered credit card holders on first come first serve basis.
  • This offer is not valid in conjunction with any special promotion, private screening or premiere at VOX Cinemas.
  • Offer valid only in the United Arab Emirates.
  • Tickets purchased on the date are non-refundable and non-transferable.
  • Standard Chartered Bank reserves the right to terminate the offer without any prior notice.
  • Currently, in line with government restrictions, individuals above the age of 60 and children under 13 years of age will not be allowed to enter.
  • It’s now mandatory for guests to wear a face mask at all times. The mask can be removed for the purpose of eating and drinking.
  • For more information about your health and safety, please refer to the FAQs
  • A maximum of 6 tickets (3 free) per movie session (Standard 2D and 3D, or Standard Plus 2D and 3D movie tickets) can be availed under this offer, on Standard Chartered credit cards.
  • A fair usage policy applies – a maximum of 8 tickets (4 free) may be purchased per person per card each month.
  • Currently the ticket types available under this offer are:
    •  2D Standard
    • 2D Standard Plus
    • 3D Standard
    • 3D Standard Plus
  • Starting 18th September 2025 in addition to the above experiences the ticket types available using your Journey Credit Card will be:
    • 2D Preferred View
    • Dolby Standard
    • Dolby Plus Standard
    • Screen X Standard
    • Screen X Standard Plus
    • Reel Junior
    • MX4D
  • This Promotion is not valid for any other Reel Cinema experiences not explicitly mentioned above.
  • Seating is subject to availability and will be allocated to Standard Chartered credit card holders on first come first serve basis.
  • This offer is not valid in conjunction with any special promotion, private screening or premiere at Reel Cinemas.
  • Offer valid only in the United Arab Emirates.
  • Tickets purchased on the date are non-refundable and non-transferable.
  • Standard Chartered Bank reserves the right to terminate the offer without any prior notice.
  • The bank shall not be responsible for or held liable for any amount payable by the Cardholder to any third party arising out of the purchase, supply, quality, installation, use or otherwise of Rewards, or of any negligence, breach of statutory or other duty on the part of the Bank and/or the supplier.
  • Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third-Party Sites (App) or the products or services that may be offered or obtained through them.
  • Your airport lounge benefits with your Visa credit card will only be accessible exclusively through the Visa Airport Companion (VAC) app and will replace the current process of accessing airport lounges by just presenting your physical credit card.
  • Download and register with your Standard Chartered credit card on the Visa Airport Companion app to check your lounge access eligibility and personal benefits.
  • First two visits to the airport lounges in a calendar year is complimentary. To utilise the subsequent unlimited complimentary unlimited visits in the same calendar year, a client needs to make a minimum international spend of USD 1 or equivalent.
  • To activate the remaining subsequent visits, the international spend must be done 15 days before you travel, and automatically the (all) remaining visits access will be unlocked for the remaining calendar year period (January to December).
  • Any visits beyond the 2 complimentary visits and if the spend criteria is not met, then the cardholder will be charged $32 per usage on the used card.
  • The annual lounge visit entitlement and the requirement to meet the eligibility condition will reset from 1 January in subsequent years.
  • The benefit entitlement and spend condition is the same and apply on both primary and supplementary cards.
  • As part of the default option, any lounge visits outside Visa Lounge entitlement will need to be paid for by the Cardholder (Visit will be charged directly to the card by Visa)
  • Visa International reserves the right to modify or cancel any or all of these offers at any time and without notice.
  • Call us on 800 4949 within 60 days of booking to use your Rewards 360o points balance for cashback on air tickets purchased on your journey card and on travel bookings.
  • For more details, please check “How to Redeem” section in our  360 Rewards page
  • Call us on 800 4949 within 60 days of booking to use your Rewards 360o points for cashback on air tickets purchased on your journey card and on travel bookings
  • For more details please check “How to Redeem” section in our  360 Rewards page

All terms and conditions are applicable to Visa infinite and Journey cardholders.

*Offered by Visa International and subject to their terms and conditions. Visit ae.visamiddleeast.com for the latest updates on Infinite card benefits. The benefits and features set out are as current as the date they appear in our document. However, they may be subject to change at any time in accordance with the applicable product terms and conditions.

Credit cards are issued at the sole discretion of the Bank and subject to the Bank’s approval criteria. Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third Party Sites (app) or the products or services that may be offered or obtained through them. Applicable Third Party vendor fees/charges may incur VAT.

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THE GOOD LIFE PRIVILEGES

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INFINITE LIFESTYLE IN YOUR HANDS

Enjoy exclusive privileges with the Journey credit card.

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