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Standard Chartered UAE

Journey Credit Card

Earn 4 360º Rewards Points for every USD 1 spent internationally and 2 360º Rewards Points for every USD 1 spent locally

default

25.00%

Buy 1 get 1 free movie tickets at VOX and Reel Cinemas. Maximum 8 tickets (4 free) per card per month. 25% discount on single food/beverage items at Candy Bar

travel general

15.00%

15% discount on all DUBZ airport services including home check-in, luggage delivery, and airport assistance

travel general

10.00%

10% cashback on UAE airport duty free purchases, capped at AED 100 per statement

Eligibility

Eligibility details not available yet.

Annual fee

AED 1,575

First year fee

AED 0

APR / interest

44.28%

B.E.S.T cashback ladder

Full rewards table

Rates increase with monthly total spend. Scan each category row for the spend band, rate, and cap.

Categories
3
Best rate
25.00%
Top cap
AED 0
FC

Foreign Currency

Up to 4.00% cashback

Spend tier

Published reward rule

Rate

4.00 Points/AED

Cap

No cap listed

Earn rewards points on every spend: 4 points per USD 1 internationally, 2 points per USD 1 locally. 125 points = AED 1

TG

Travel General

Up to 15.00% cashback

Spend tier

Published reward rule

Rate

10.00%

Cap

No cap listed

10% cashback on UAE airport duty free purchases, capped at AED 100 per statement

Spend tier

Published reward rule

Rate

15.00%

Cap

No cap listed

15% discount on all DUBZ airport services including home check-in, luggage delivery, and airport assistance

D

Default

Up to 25.00% cashback

Spend tier

Published reward rule

Rate

25.00%

Cap

No cap listed

Buy 1 get 1 free movie tickets at VOX and Reel Cinemas. Maximum 8 tickets (4 free) per card per month. 25% discount on single food/beverage items at Candy Bar

Spend tier

Published reward rule

Rate

2.00%

Cap

No cap listed

Convert rewards points to 2% cashback when purchasing airline tickets. 50,000 points = AED 1,000 cashback

Benefits

Travel

DUBZ Airport Services Discount

Discount

15% discount on all DUBZ airport services including Home Check in, Luggage Delivery services, and airport assistance

Conditions: Enter required details at dubz.com/check-eligibility

Partner: DUBZ

Complimentary Airport Transfers with Careem

Complimentary Service

Get 4 complimentary airport rides per year with up to AED 100 discount per ride

Conditions: Must have conducted at least 1 airline transaction within the last 180 days. Book via Careem app and use promo code SCB100. Valid only for rides to/from UAE airports. Pay with Journey credit card.

Partner: CareemProgram: Careem app

Priority Access to Airport Lounges

Lounge Access

Unlimited lounge visits for cardholder and a guest via Visa Airport Companion app

Conditions: First two visits are complimentary. To unlock unlimited access, make at least 1 international purchase worth USD 1 with Journey card during first two complimentary visits. International spend must be made 15 days before travel.

Partner: Visa Airport CompanionProgram: Visa Airport Companion app

Airline Miles Transfer

Rewards Transfer

Transfer rewards points to airline or hotel loyalty miles

Program: 360º Rewards

Multi-trip Travel Insurance

Insurance

Journey cardholders and their families are covered on all trips up to 90 days

Conditions: Do travel purchases from Journey card. Visit cardholderbenefitsonline.com to generate travel insurance certificate online.

Airport Lounge Access

Lounge Access

Unlimited airport lounge visits for cardholder and guest via Visa Airport Companion app

Conditions: First 2 visits complimentary per calendar year. For unlimited access, make at least 1 international purchase worth USD 1 within 15 days before travel after first 2 visits

Partner: Visa Airport CompanionProgram: Visa Airport Companion

Airport Duty Free Cashback

Cashback

10% cashback on UAE airport duty free purchases, capped at AED 100 per statement

Conditions: Must have at least 1 airline transaction within last 180 days

Service Area: UAE airports

Careem Airport Transfers

Transportation

4 complimentary airport transfer rides per year via Careem, up to AED 100 discount per ride

Conditions: Must have at least 1 airline transaction within last 180 days. Book via Careem app with promo code SCB100

Service Area: UAE airportsPartner: Careem

DUBZ Airport Services Discount

Discount

15% discount on all DUBZ airport services including home check-in, luggage delivery, and airport assistance

Partner: dubz.comPartner: DUBZ

Multi-trip Travel Insurance

Insurance

Complimentary travel insurance for cardholder and family on all trips up to 90 days when travel purchases made with card

Conditions: Travel purchases must be made with Journey credit card

Airport Lounge Access via Visa Airport Companion

Lounge Access

Access to 1200+ airport lounges globally through DragonPass via the Visa Airport Companion (VAC) app. First 2 visits complimentary per calendar year, with unlimited additional visits available when minimum spend condition is met.

Conditions: Download VAC app and register with Standard Chartered Visa credit card. Present digital membership QR code at lounge. USD 0 authorization conducted during visit (does not recur for 90 days). Cards must be in good standing.

Program: Visa Airport CompanionProgram: DragonPass

Complimentary Airport Lounge Visits

Complimentary Visits

2 complimentary airport lounge visits per calendar year. Unlimited additional visits available with guest when minimum USD 1 equivalent international spend is made.

Conditions: First 2 visits complimentary. Subsequent visits require minimum USD 1 international (non-AED) spend. Without minimum spend, USD 32 charged per visit beyond first 2 complimentary visits. Resets annually on January 1. Cannot use more than one entitlement within 3-hour period.

Lounge: 1200+ airport lounges globally

Guest Access to Airport Lounges

Guest Privileges

Cardholder can bring 1 guest for unlimited visits when minimum spend condition is met. Additional guests charged USD 32 per person per visit.

Conditions: Guests must be on same flight as cardholder. If no complimentary guest visits available, USD 32 per guest charged to registered Visa card.

Lounge: Eligible airport lounges via VAC app

Lifestyle

Visa Concierge Service

Concierge

24×7 personalised services with Visa Infinite Concierge

Conditions: Email concierge@visainfinitemea.com or use 24/7 WhatsApp concierge service on +44 7874 023129 (English) or +44 7520 631645 (Arabic)

Cinema Buy 1 Get 1 Free

Entertainment

Buy 1 get 1 free movie tickets at VOX and Reel Cinemas. Maximum 8 tickets (4 free) per card per month. 25% discount on single food/beverage items at Candy Bar

Service Area: UAEPartner: VOX CinemasPartner: Reel Cinemas

Visa Entertainer Access

Entertainment

Complimentary access to Visa Entertainer via Visa Airport Companion app for 2-for-1 offers on dining, beauty, attractions, and hotels worldwide

Partner: Visa EntertainerProgram: Visa EntertainerProgram: Visa Airport Companion

BookingBash Pro Membership

Entertainment

Complimentary BookingBash Pro membership (worth up to AED 499) for discounts on theme parks, museums, cruises, safaris

Partner: BookingBashProgram: BookingBash Pro

Visa Concierge Service

Concierge

24/7 personalized Visa Infinite Concierge service via email or WhatsApp

Partner: Visa Infinite Concierge

Golf Privileges

Golf Access

2 complimentary golf rounds per billing cycle at 8 partner clubs via SpikesOn app

Conditions: Minimum spend AED 12,000 per billing cycle, otherwise AED 525 fee per round. Priority Private Journey: AED 10,000 minimum spend

Golf: Dubai Hills Golf ClubPartner: The MontgomeriePartner: The Els ClubGolf: Arabian Ranches Golf ClubGolf: Trump International Golf ClubGolf: Al Zorah Golf ClubGolf: Abu Dhabi Golf ClubGolf: Saadiyat Beach and Golf ClubService Area: DubaiService Area: AjmanService Area: Abu DhabiPartner: SpikesOn

Warehouse Gym Access

Gym Access

Complimentary access to Warehouse Gym outlets: up to 30 visits per billing cycle. Priority Private Journey: unlimited visits

Conditions: Minimum spend AED 10,000 per billing cycle required. If not met, AED 525 fee applies

Service Area: UAEPartner: Warehouse Gym

Complimentary Golf Rounds - Standard Journey Cardholders (Non-Priority Private)

Golf Access

1 complimentary round of golf per billing cycle (month) in the UAE at participating golf clubs. Shared benefit limit between primary and supplementary cardholders. Limited to maximum of 3 rounds per calendar year at each of the 8 participating facilities.

Conditions: Subject to meeting AED 10,000 minimum spend requirement per billing cycle/statement. Otherwise a one-time fee of AED 525 will be charged per game booked. Bookings made via SpikesOn.com app or website only, maximum 7 days in advance.

Golf: 8 participating golf facilities in UAEPartner: SpikesOn.comPartner: Back9 Solutions General Trading LLCProgram: SpikesOn.com

Complimentary Golf Rounds - Priority Private Journey Cardholders

Golf Access

2 complimentary rounds of golf per month in the UAE at participating golf clubs. Shared benefit limit between primary and supplementary cardholders. Limited to maximum of 3 rounds per calendar year at each participating facility, but Priority Private customers see limit changes: 6 per year at each facility instead of 3 per year.

Conditions: Subject to meeting AED 10,000 minimum spend requirement per statement cycle. Otherwise a one-time fee of AED 525 will be charged per game booked. Bookings made via SpikesOn.com app or website only, maximum 7 days in advance.

Golf: Participating golf facilities in UAEPartner: SpikesOn.comPartner: Back9 Solutions General Trading LLCProgram: Priority PrivateProgram: SpikesOn.com

Limited Time Campaign - Extra Golf Round for Non-Priority Private Journey Cardholders

Golf Access

1 additional complimentary round of golf per billing cycle (making 2 total rounds per billing cycle) in the UAE. Campaign effective from 1 May 2026 to 1 May 2027 only.

Conditions: Subject to meeting AED 12,000 minimum spend requirement per billing cycle/statement to avail the extra round. Otherwise a one-time fee of AED 525 will be charged for each golf round played. Applies only to non-Priority Private Journey cardholders.

Golf: Participating golf facilities in UAEPartner: SpikesOn.comProgram: SpikesOn.com

International Golf Reimbursement - Priority Private Journey Cardholders

Golf Reimbursement

Free round of golf internationally every month with cashback reimbursement of up to AED 500 maximum per month for one golf booking. Promotion available from 1 December 2025 to 31 January 2027.

Conditions: Must purchase international airline ticket with Journey Credit Card within 6 months prior to golf slot booking date. Play golf at course of choice and pay booking fee from Journey card. Email payment receipt to Priorityprivate.uae@sc.com or call 800 7277 within 60 days from date of golf booking to receive reimbursement. Shared benefit limit between primary and supplementary cardholders. Entitled to one reimbursement for single round per month. Any round booking for more than AED 500 will not be eligible for reimbursement. Program not transferable.

Service Area: Hong KongService Area: United KingdomService Area: SingaporeService Area: IndiaPartner: International golf coursesProgram: Priority Private

SpikesOn.com Golf Booking Platform Access

Digital Access

Access to SpikesOn.com mobile app and website for booking golf rounds. Dedicated customer support hotline and email support.

Conditions: Must upload Journey Card to app and apply unique activation code (provided by Relationship Manager for Priority Private customers). Bookings required to be placed maximum 7 days before date of play on weekdays and weekends.

Partner: SpikesOn.comPartner: Back9 Solutions General Trading LLCProgram: SpikesOn.com

Rewards

Convert Rewards to Cash

Cashback

Purchase airline ticket to double rewards value and earn 2% cashback on rewards points balance. For example, 50,000 rewards points converts to AED 1,000 cashback.

Conditions: Purchase an airline ticket and call 800 4949 within 60 days to redeem rewards points balance

360º Rewards Points

Points

Earn rewards points on every spend: 4 points per USD 1 internationally, 2 points per USD 1 locally. 125 points = AED 1

Conditions: All card spend qualifies

Program: 360º Rewards

Rewards Points Cashback Conversion

Cashback

Convert rewards points to 2% cashback when purchasing airline tickets. 50,000 points = AED 1,000 cashback

Conditions: Purchase airline ticket, then call 800 4949 within 60 days to redeem points balance

Program: 360º Rewards

Rewards Points Redemption

Points Redemption

Redeem rewards points for e-vouchers (Amazon, Carrefour, Noon, Sharaf DG, IKEA, CAFU, Joyalukkas), catalogue items, airline miles, hotel loyalty points, or cashback

Partner: AmazonPartner: CarrefourPartner: NoonPartner: Sharaf DGPartner: IKEAPartner: CAFUPartner: JoyalukkasProgram: 360º Rewards

Shopping

UAE Airport Duty Free Cashback

Cashback

Earn 10% cashback at UAE airport duty free stores, capped at AED 100 per statement

Conditions: Must have conducted at least 1 airline transaction within the last 180 calendar days. Spend must be made at duty free stores (MCC 5309). Offer valid from 01 March 2025 to 31 December 2025

Service Area: UAE airport duty free stores

Rewards Points for Shopping

Rewards Redemption

Redeem points instantly into shopping vouchers from Amazon, Carrefour, Noon, Sharaf DG, IKEA, CAFU, Joyalukkas and more

Partner: AmazonPartner: CarrefourPartner: NoonPartner: Sharaf DGPartner: IKEAPartner: CAFUPartner: JoyalukkasProgram: 360 rewards portal

Entertainment

Visa ENTERTAINER Offers

Complimentary Membership

2-for-1 deals at Visa ENTERTAINER for dining, beauty, attractions and hotels worldwide

Conditions: Download Visa Airport Companion app

Partner: Visa ENTERTAINERProgram: Visa ENTERTAINERProgram: Visa Airport Companion app

Buy 1 Get 1 Free Movie Tickets

Buy One Get One

Buy one, get one free at all VOX and Reel Cinemas in the UAE

Conditions: Maximum 8 tickets (4 free) per person per card each month. Includes 2D, 3D, MAX, IMAX, GOLD, and premium formats.

Partner: VOX CinemasPartner: Reel CinemasService Area: UAE

BookingBash Pro Membership

Complimentary Membership

Complimentary Pro membership (worth up to AED 499) for substantial discounts on theme parks, museums, cruises, safaris and indoor activities

Conditions: Download BookingBash app

Partner: BookingBashProgram: BookingBash ProProgram: BookingBash app

Fitness

Warehouse Gym Access

Complimentary Access

Get complimentary access of up to 30 visits per billing cycle to Warehouse Gym in the UAE. Priority Private Journey cardholders get unlimited visits.

Conditions: Minimum spend of AED 10,000 per billing cycle required. If minimum spend not met, AED 525 fee applies. 30 visits are cumulative between primary and supplementary cardholders.

Service Area: UAEPartner: Warehouse Gym

Lifestyle Privileges

The Good Life Privileges

Offers Discounts

Enjoy exciting offers and discounts with your Standard Chartered Card across dining, retail, rest and relax, online shopping, and automotive categories

Conditions: Payment must be charged to any Standard Chartered credit or debit card. Quote 'Standard Chartered Privileges' prior to ordering, making reservations or payment

Service Area: UAEProgram: The Good Life Privileges

Payment

Digital Wallet Support

Digital Payment

Support for Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Visa Checkout

Partner: Visa Checkout

Payment Technology

Digital Wallet Support

Digital Wallet

Make seamless and secure payments using compatible phone or wearable

Partner: Visa Checkout

Purchase Protection

Buyers Protection

Insurance

Buyers Protection provides extra peace of mind when purchasing an eligible item (new item purchases) using Journey credit card

Conditions: Email claims to visa@broadspire.eu

Buyers Protection

Insurance

Purchase protection on new items bought with Journey credit card

Partner: Visa

Sign Up Bonus

Welcome Cashback

Cashback

AED 1,000 cashback for new cardholders

Conditions: Spend minimum AED 10,000 within 60 days of card opening date

Sports

Golf Privileges

Complimentary Access

Enjoy 2 rounds of golf booking each billing cycle via SpikesOn.com app

Conditions: Subject to minimum spend of AED 12,000 per billing cycle for Journey cardholders (AED 10,000 for Priority Private Journey). Otherwise one-time fee of AED 525 per round applies. Shared benefit between primary and supplementary cards.

Golf: Dubai Hills Golf Club (DubaiPartner: The Montgomerie (DubaiPartner: The Els Club (DubaiGolf: Arabian Ranches Golf Club (DubaiGolf: Trump International Golf Club (DubaiGolf: Al Zorah Golf Club (AjmanGolf: Abu Dhabi Golf Club (Abu DhabiGolf: Saadiyat Beach and Golf Club (Abu DhabiPartner: SpikesOn.comProgram: SpikesOn.com app

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