Standard Chartered Journey Card Extends 30,000 Miles Bonus
Standard Chartered has extended its welcome offer for the Journey Card, allowing new-to-bank customers to earn up to 30,000 miles through a combination of spending milestones and annual fee payments. Eligible applicants can secure this bonus for applications submitted between 1 April 2025 and 31 July 2026, according to official bank terms. By choosing to pay the S$196.20 annual fee, cardholders receive 10,000 miles, plus an additional 20,000 miles upon spending S$800 within 60 days of card approval.
How to Stack SingSaver Rewards
Beyond the bank’s own bonus, applicants can stack additional rewards via SingSaver. According to current promotional guidelines, users can receive gifts such as 12,000 Max Miles or S$180 cash. To qualify, you must apply through a specific SingSaver link and complete one of several required activities within 60 days of approval, such as opening a Standard Chartered Bonus$aver Account with a minimum deposit of S$3,000.
Other qualifying activities include obtaining a personal loan, credit card funds transfer, or utilizing the bank’s EasyPay service. Industry analysts note that opening the Bonus$aver Account is often the most cost-effective route, as other options may involve fees that reduce the net value of the reward.
Understanding Qualifying Spend Exclusions
Not all transactions count toward the S$800 minimum spend requirement. Standard Chartered explicitly excludes government transactions, insurance premiums, hospital bills, and prepaid account top-ups like GrabPay or YouTrip from the qualifying total. However, CardUp and SC EasyBill transactions are recognized as valid spend, providing a workaround for those looking to reach the threshold through bill payments.
Future Trends in Credit Card Rewards
The shift toward “stacking” bonuses—where consumers combine bank offers with third-party aggregator gifts—reflects a broader trend in the Singapore credit card market. As banks face increased competition, they are moving away from simple sign-up bonuses toward multi-layered incentives that encourage deeper banking relationships, such as opening savings accounts or taking out loans.
One notable change in the landscape occurred in March 2024, when Standard Chartered overhauled its transfer partner list. By removing nine partners and adding Cathay Pacific Asia Miles, the bank signaled a move toward a more curated, albeit smaller, ecosystem. Moving forward, cardholders should expect banks to prioritize “Tier 1” cardholders—those holding premium products like the Journey or Visa Infinite cards—with preferential conversion ratios, while standard cards may see tighter restrictions on points pooling.
Frequently Asked Questions
Who is eligible for the welcome bonus?
You must be a “new-to-bank” customer, meaning you do not currently hold a principal Standard Chartered credit card and have not cancelled one in the 12 months prior to your application.
Can I lock my card for security?
Exercise caution. According to bank terms, you will not receive bonus miles if your card is blocked, even if you initiated the block yourself for security reasons.
Is there a cap on the 3 mpd earn rate?
Yes. The 3 mpd bonus rate for specific online transactions, such as food delivery and transport, is capped at S$1,000 in qualifying spend per statement month.
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