Standard Chartered Journey Credit Card

A points credit card by Standard Chartered earning 4 points per USD internationally and 2 points per USD on all other spends.

Annual feeVAT included
AED 1,575.00

Top earnrewards rate
Up to 4 pts/USD

Min salaryfor eligibility
AED 30,000

FX markupforeign currency
3.14%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You earn AED 30,000+ monthly and spend heavily on international transactions.

Not ideal if
You prefer cashback rewards or spend mostly within the UAE domestically.

Watch out for
AED 10,000 monthly spend required to waive the AED 1,575 annual fee.

If you earn at least AED 30,000 per month and spend heavily on international transactions, this card rewards you with 4 points per USD abroad and 2…

Calculate This Card’s Value

Earning Rates

International
4 pts/USD

All Other Spends
2 pts/USD

Perks

Airport Lounge Access

Airport Transfer

Gym Access

Cinema Buy-1-Get-1 Ticket

Annual Entertainer Membership

Key Strengths and Weaknesses

Strengths

Earns 4 points per USD on international spend with no cap.

Includes lounge access, airport transfers, gym access, and Entertainer membership.

Annual fee waived if you spend AED 10,000 or more monthly.

1,000 bonus points when you spend AED 10,000 in first 60 days.

Watch out for

High AED 30,000 minimum monthly salary requirement limits eligibility.

AED 1,575 annual fee applies if monthly spend falls below AED 10,000.

3.14% foreign exchange markup reduces value on international transactions.

Fees & Conditions

Annual FeeAED 1,575

Fee WaiverWaived with AED 10,000+ annual spend

FX Markup3.14%

Minimum SalaryAED 30,000/mo

Welcome Bonus1,000 bonus points. Spend AED 10,000 within 60 days.

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Frequently Asked Questions

What is the minimum salary to apply for the Standard Chartered Journey Credit Card?

You need a minimum monthly salary of AED 30,000 to be eligible for this card.

How many points do I earn on international spending?

You earn 4 points per USD spent on international transactions and 2 points per USD on all other purchases.

Is the annual fee waived?

Yes, the AED 1,575 annual fee is waived if you spend at least AED 10,000 per month.

What is the welcome bonus for this card?

You receive 1,000 bonus points when you spend AED 10,000 within the first 60 days of card approval.

What perks are included with the Standard Chartered Journey Credit Card?

The card includes airport lounge access, airport transfers, gym access, cinema buy-one-get-one offers, and Entertainer membership.