Standard Chartered · UAE CARD REVIEW

Journey Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 30,000

Annual fee

AED 1,575

Bank FX charge

up to 2.99%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

SC 360 Rewards

Salary transfer required

No published requirement

AED 30,000 monthly income plus a Standard Chartered current / savings account. Account opening and credit approval are separate.

Cashback or points earning rules, thresholds and caps

2 reward points per AED 3.6725 equivalent local retail; 4 points international. Redemption value varies; standard e-voucher rate used.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 366 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Use of e-vouchers is assumed. Enhanced travel redemptions, reduced-category earning and leisure perks are excluded.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

FEE WAIVERFirst-year fee waived with spendNo stated deadline

Conventional banking

Standard CharteredBANK-SOURCED

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

Min. salary: AED 30,000

Cinema BOGOLounge access

Annual fee AED 1,575Conditional first-year waiver

AED 30,000 monthly income plus a Standard Chartered current / savings account. Account opening and credit approval are separate.

ESTIMATED FIRST-YEAR VALUE

AED 366

Partial estimate · see details

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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Standard 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 spend

Spend 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

Standard Chartered

Journey Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 0.

Promotional sign-up booster

First-year fee waived with spend

Spend 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

Fees, rewards & eligibility

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 2026-10-18

Standard 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

Lounge, cinema, valet and golf conditions

• Airport lounges: Unlimited Visa Airport Companion lounge access with a guest; qualifying rules apply.
• Cinema: Buy 1 Get 1 at VOX and Reel Cinemas, subject to qualifying spend and current booking conditions.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• 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 sources and application information

• Journey Credit Card official product terms
• Standard Chartered: Standard Chartered current price guide
• Standard Chartered: Linked acquisition terms: expired September2026
• Journey Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.