StanChart Journey: Get 45,000 Miles + Gift of Choice + S$40 eCapitaVouchers

For those who have yet to sign up for a Standard Chartered credit card, there is an updated offer for StanChart Journey to consider. Sign up as a new cardholder below and not only would you qualify for the bank’s usual offer of up to 45,000 miles, you can also get an additional gift of your choice!

Promo Details

You have two choices to make. First, you need to decide whether to pay the annual fee for 45,000 miles or go for a first-year fee waiver for 25,000 miles. Personally, I think paying the annual fee makes sense here and I’ll explain more later.

Next, decide between the two gifts from SingSaver (remember to fill up the Rewards Redemption Form to select your gift). Lastly, there are couple of optional tasks you can complete for additional S$40 eCapitaVouchers:

Is paying the annual fee a good deal?

The difference between paying the annual fee of S$196.20 and going for a fee waiver is 20,000 miles (45,000 – 25,000). Essentially, which option you choose should reflect whether you value S$196.20 or 20,000 miles more.

In my opinion, picking miles is a great option here because giving up S$196.20 for 20,000 miles is a great deal. Each mile costs only 0.98 cents, and you should be able to quite easily make use of miles at a higher valuation than this.

What to spend on?

You need to meet the minimum spend to qualify for rewards. Do note that there are transactions which are excluded. Read the terms and conditions carefully when applying.

Generally, retail transactions like buying stuff or dining out are very safe. Things like bill payments, education expenses and CardUp or ipaymy become a lot iffier and depends on the bank your card is from.

Do check out this article on what you can spend on to meet the minimum spend:

Other StanChart cards

If you are a new StanChart cardholder, you can also consider other StanChart credit cards. The current promos are a little weaker than usual and I feel that the StanChart Journey offer is the best one currently. Nonetheless, those not into miles all that much should check out the offers for the other StanChart cards.

Stay subscribed for more great deals

There are also quite a few ongoing deals right now, so do take a look for more great offers. Importantly, stay subscribed so you can get notified of latest promos, and you should turn on notifications to get updates on time-sensitive offers. You can also join in the discussion with more than 19,000 subscribed, so see you there.

Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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