So to hit the 45,000 mile welcome gift, you'll need to spend/pay a total of $10,194.40:For 10,000 miles: Transact $5,000 worth of foreign spendingIf you don't fancy paying the annual fee and also don't foresee yourself spending overseas, you're looking at only 25,000 miles-assuming you spend $5,000 in a month. Tough.
On the plus side, it's also worth mentioning that Standard Chartered isn't going to give you miles directly, but 360 Rewards Points that can be converted to miles. So if you would prefer converting these points to cash rewards or shopping vouchers instead, go ahead!The SC Journey Credit Card is a good entry-level rewards card with decent earn rates, especially for its three miles per $1 earn rate on online transactions for transport, grocery and food delivery.
Our advice is to only get the Standard Chartered Journey Credit Card if you know you can make full use of the three miles per $1 spend on online transactions for transport, grocery and food delivery. That means maxing out the spend cap of $1,000 each month. Otherwise, consider these alternative cards below.air miles credit cardsCiti PremierMiles Card: Similar earn rates but a sign-up bonus that's a lot easier to get. Plus, Citi Miles also never expire.
OCBC 90°N Card: Slightly higher earn rates , with no cap on miles earned per month. Additionally, comes with a sign-up bonus that's juicier and easier to get. UOB PRVI Mastercard Miles Card: Higher earn rates , and the first fee waiver comes with the sign-up bonus instead of being a prerequisite to receive the welcome gift.In case you're wondering, here's how we decide on our credit card rankings.The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we'll give you a one-liner on who we think the credit card is best suited for.Air miles / Cashback / Rewards points.