First Look: “New” StanChart Journey Replaces StanChart X Card

The Standard Chartered X Card launched to much fanfare a few years ago. It came with a princely 100,000 miles sign-up gift, and was even sent to cardholders in this needlessly extravagant box that lit up:

It quickly faded into obscurity as StanChart started to cut back on both its sign-up bonus and packaging. The sign-up miles dwindled and the packaging became more humble, eventually becoming just a boring envelope other “normal cards” delivered in. Without a compelling use case and the apparent lack of effort from the bank to make it a relevant card, I guess you could say that the X Card has been on quite a rocky journey the past few years.

New 3 miles per dollar bonus categories

From 19th May 2023, the StanChart X Card would be replaced by the new StanChart Journey card. The main thing that has changed would be the card’s earn rates.

X Card had an earn rate of 1.2 miles per dollar, and there would be no change to this. However, StanChart Journey is adding bonus categories for 3 miles per dollar instead, and this is given on online spend for:

  • Grocery/food-stores with MCCs 5411, 5462, 5499 and 5921
  • Food deliveries with MCCs 5811, 5812 and 5814
  • Transport merchants with MCCs 4111, 4121, 4411 and 4789

It’s a relatively short list, and 3 miles per dollar isn’t exactly exciting when we have 4 or even 6 miles per dollar options for such spend. The maximum miles one can earn from these categories is 3,000 per month, making the maximum spend S$1,000.

Brief overview of changes

There are some other less significant changes, and here’s a gist of what I could find that is different:

X CardJourney
Earn Rate1.2 miles per dollar on local spend
2.0 miles per dollar on foreign spend
No bonus categories
1.2 miles per dollar on local spend
2.0 miles per dollar on foreign spend
3.0 miles per dollar on bonus categories
Bonus CategoriesN/AOnline only
Grocery/food-stores with MCCs 5411, 5462, 5499 and 5921
Food deliveries with MCCs 5811, 5812 and 5814
Transport merchants with MCCs 4111, 4121, 4411 and 4789
Lounge Visits2 Priority Pass lounge visits a year2 Priority Pass lounge visits a year (unchanged)
Annual Income RequirementS$80,000$30,000
Annual FeeS$702S$194.40
Card TypeMetal
Visa Infinite
Visa Signature

Existing X Card cardholders will enjoy the new benefits immediately, and get to keep using our swanky metal cards until they expire.


🔥 Get S$350 or other pricey gifts when you sign up for HSBC credit cards!

Subscribe to the Telegram for more great deals and updates. Prefer email/WhatsApp? Tap here.

Sign-up promo

At launch, the sign-up promo is 45,000 miles for new StanChart cardholders:

StanChart Journey

🔥 👍🏼

StanChart + Singsaver Promo

For new StanChart cardholders:

Use the Apply links found on this site and fill up SingSaver gift redemption form in email.
No minimum spend required!
Get AirTag Bundle of 4 (worth S$149) or S$100 via PayNow²
Optional: Pay annual fee of S$194.40
(I personally don’t recommend this)
10,000 miles
Spend S$3,000 in eligible transactions within 2 months of card approval35,000 miles
Put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of selected merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & NetflixBonus S$20
Maximum45,000 miles¹ + S$140 cash

⚠️ Important: Remember to fill out the Rewards Redemption Form from SingSaver in your email to secure your rewards.

Offer until 7th January 2023.

Terms and conditions (save a copy for future reference):

  1. Standard Chartered
  2. SingSaver
Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. Promo code field can be left blank
  4. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Gives 1.2 miles per dollar on local transactions, 2 miles per dollar on foreign transactions, and 3 miles per dollar on online groceries, transportation, and food delivery merchants

At a cursory look, I think you can safely skip the annual fee first and choose the fee waiver option instead because S$194.40 for 10,000 miles isn’t that great a deal in my books. That aside, the rest of it looks like a great deal. Having a bonus of 5 miles per dollar means you can get 6.2 miles for every dollar spent, and even 8 miles per dollar for spend made on the bonus categories. This will max out at S$5,000 of spend and you should definitely try to maximise this.

There is also an extra 2 miles per dollar for spends made in foreign currency, which means you get get as much as 8.2 miles per dollar for every dollar for overseas transactions. I imagine it could even go up to 10.2 miles per dollar for all the taxi rides and food deliveries we make in a foreign country.

I would analyse the worthiness and value of this deal versus other StanChart promos in greater detail, so stay subscribed to the Telegram for more updates.


StanChart finally has an entry-level miles card to compete with contemporaries like Citi PremierMiles, DBS Altitude, OCBC 90°N and UOB PRVI. Now we have to see whether the bank is interested enough in the miles space to offer a flagship high-earn card of at least 4 miles per dollar soon.

Keep up to date on the best cashback/mile cards, financial products, attractive deals, and more tips to maximise your financial wellbeing by subscribing to my Telegram channel.

Subscribe to the channel, then join the group chat. You would often benefit from the tips shared exclusively in the group chat!

Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Thank you for supporting my site!

Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opnion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).

Leave a Reply