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  1. Credit cards
  2. Journey Credit Card

Journey credit card

Apply with your EPF statements and earn 5x more Miles, unlimited airport lounge access and more. T&Cs apply.

Journey from here to everywhere

Earn more Miles whether you dine or travel domestically & abroad with the Standard Chartered Journey Credit Card.

Journey Credit Card

  • Journey faster
    5X more Miles

    on dining, travel & overseas spend

  • Journey smoother
    Unlimited access

    to airport lounges in KLIA & KLIA2

  • Journey sweeter
    Exclusive hotel privileges

    Free nights, complimentary breakfasts, room upgrades and more

  • Journey simpler
    Complimentary airport transfers

    in Malaysia, via Grab

*Terms and conditions apply

From hotel privileges to travel rewards

Make Journey your favourite travel companion and enjoy amazing deals on your trips

Hotel Perks
my journey reward1
  1. Book via Mastercard Travel & Lifestyle Services to enjoy more perks at selected hotels & resorts
  2. This may include Complimentary breakfast for 2, Room upgrades, Early check-in & late check-out (subject to availability)
One Night Free
my journey reward2
  1. Enjoy one additional free night with your booking at a collection of participating luxurious hotels and resorts
Travel Insurance
my journey reward3
  1. Be protected with up to USD100,000 in travel medical coverage
  2. Including COVID-19 coverage
One Dines Free
my-one-dines-free-with-mastercard-pintile
  1. Enjoy a complimentary main course when dining at participating partner restaurants
  2. Offer is valid until 31 May 2025
Affluent Fine Dining
my-affluent-fine-dining-pintile
  1. Special Price Set Lunch for 2 at RM120 net at selected premium dining outlets
  2. Offer is valid until 28 February 2025

Journey Credit Card Benefits

5x more Miles

Earn accelerated Miles on dining, travel and overseas spend with the Journey Credit Card. Learn more

Flexible miles conversion

Enjoy the flexibility to redeem your Miles as AirMiles, gifts or cashback. Every 2 Miles gets you 1 AirMile of your preferred frequent flyer program. Click here to learn more about converting your Miles online.

Unlimited access to Airport Lounges

Enhance your travel experience with unlimited complimentary access to Plaza Premium Lounge in KLIA and klia2 when you travel internationally1.

Complimentary airport transfers

Enjoy cashback on transfers from any airport in Malaysia via Grab when you spend a minimum of RM2,500 on Travel2 (capped at RM65). Know more
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Redemption Catalogue (For Journey card only)

 

Items are subject to stock availability at the point of redemption.

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM96,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Latest 2 years EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app) Click here

Note: Effective 13 May 2024, please ensure that “Account 3” is shown in your latest downloaded EPF statement

Salaried (Government Sector) / Self-Employed
  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM96,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

For New Customers
Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Commission Statement & Bank Statement
Salaried (Government Sector) / Self-Employed
  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Finance/interest charges

15-18% p.a.

Click here to know more about the Credit card Tiered Interest Rates

Annual Fees

Principal Card : RM600 (1st year Annual Fee Waiver )

Supplementary Card : Free

Service Tax

Principal Card : RM25

Supplementary Card : RM25

Minimum Monthly Repayment

5% of the outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charges

Minimum RM10 or 1% of the total outstanding balance as of the statement date, whichever is higher.

Late payments charges are capped at a maximum of RM100 per account

Cash Advance Fee

Up to 5% or a minimum of RM25 will be imposed for each transaction

Overlimit Service

A Fee of RM50 will be charged if Cardholder had exceeded his/her approved credit limit.

Overseas Transaction Fees

Overseas transactions (including merchants with an overseas payment gateway) are subjected to fees, charges and commission as determined by Visa International / MasterCard Worldwide. Transactions in a currency other than Ringgit Malaysia shall also be converted at the exchange rate determined by Visa International / MasterCard Worldwide / the Bank on the date the transaction is processed.

In addition, the Bank will charge a 1% administration fee on the amount transacted in foreign currency with any MasterCard Credit Card and/or Visa Credit Card.

Click here to know more about the Credit card Fees & Charges.

Click here for Privacy Statement (PDPA)
Click here for Client and Credit Card terms
Click here for Product Disclosure Sheet (PDS)

  1. The complimentary access to Plaza Premium International lounges in KLIA & klia2 is only open to valid principal Journey Cardholders with a valid international boarding pass. Accompanying guest(s) will enjoy a discount of 20% off the Plaza Premium Lounges’ published rates.
  2. The Airport Transfer via Grab cash rebate of up to RM65 is applicable to Principal cardholders only. To qualify, cardholder must perform a minimum of RM2,500 of Travel retail transactions with the Journey credit card in the past 90 days. Cardholders are entitled to enjoy cash rebate 1 time per calendar month.
  3. The annual fee of RM600 is waived for the first year (applicable to new customers only). Annual fee for the second year onwards will be waived if you spend a minimum of RM60,000 in the past 12 months. Annual spend is calculated as total retail spend in past 12 months statement prior to annual fee charge.
The above is merely an excerpt of the Terms and Conditions governing the Standard Chartered Journey Credit Card. Please click here for full Terms and Conditions.
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RM1 Deals, all year long

Enjoy savings at ZUS Coffee and more with your Standard Chartered credit card.

Terms and conditions apply.