Journey Credit Card
Dirham Score 2.4/5100% data coverage · editorial methodHow this score works
- + SC 360 Rewards rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge up to 2.99%; scheme charges may apply
AED 30,000 monthly income plus a Standard Chartered current / savings account. Account opening and credit approval are separate.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 365.96
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Actual modelled netAED 365.96
Use of e-vouchers is assumed. Enhanced travel redemptions, reduced-category earning and leisure perks are excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full Journey Credit Card review and fee maths
2 reward points per AED 3.6725 equivalent local retail; 4 points international. Redemption value varies; standard e-voucher rate used.
Buy 1 Get 1 at VOX and Reel Cinemas, subject to qualifying spend and current booking conditions. · Unlimited Visa Airport Companion lounge access with a guest; qualifying rules apply.
Monthly interest rate: 3.69%. Bank FX charge: up to 2.99%.
First-year fee waiver requires AED 10,000 spend within 60 days. Your forecast meets the spend target.
The advertised AED 1,000 acquisition credit has linked terms ending 30 September 2026 and is excluded for new October applications. The spend-based first-year fee waiver is separate.
Use of e-vouchers is assumed. Enhanced travel redemptions, reduced-category earning and leisure perks are excluded.
Minimum monthly income AED 30,000 and a Standard Chartered current or savings account are required. Annual fee AED 1,575 including VAT; first-year waiver after AED 10,000 in 60 days, later waiver after AED 150,000 annual spend.
General local retail earns two reward points per reference-currency unit and international retail earns four. The model uses the published e-voucher conversion of 125 points per AED 1 and excludes reduced essential-category earning conservatively.
Retail finance charge is 3.69% monthly. Foreign transaction charge is published as up to 2.99%, with separate network conversion.
The product header advertises AED 1,000 welcome cashback, but its linked terms cover applications only through 30 September 2026. It is excluded for new October applications.
The golf feature specifies AED 12,000 per cycle while an older FAQ says AED 10,000. Priority Private conditions differ. Confirm the booking terms before use.
Visa Airport Companion provides initial complimentary visits; further unlimited access for you and a guest requires the stated international purchase.
Official bank source · checked 2026-10-18Standard Chartered current price guide
Linked acquisition terms: expired September2026
Product availability verified on current UAE product and application pages. Official bank-linked av.sc.com navigation packshot; visible card face reads Journey and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
First-year fee waived with spendSpend AED 10,000 within 60 days for the first-year annual-fee waiver. Subsequent waiver requires AED 150,000 annual spend.
No stated deadline
- Approved Journey card and required bank account.
- AED 10,000 qualifying spend within 60 days.
- Subsequent annual fee waiver has a separate AED 150,000 target.
Qualifying extra bonus in this forecast: AED 0.
Official offer terms