FC
Foreign Currency
Up to 4.00% cashback
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
4.00 Points/AED
Cap
No cap listed
Earn 4 points per USD 1 spent internationally and 2 points per USD 1 spent locally. 125 points = 1 AED
Standard Chartered UAE
Journey Credit Card
Earn 4 Rewards Points per USD internationally and 2 locally, plus AED 1,000 welcome cashback
travel general
15.00%
15% discount on all DUBZ airport services including home check-in, luggage delivery, and airport assistance
default
10.00%
Earn 10% cashback at UAE airport duty free stores, capped at AED 100 per statement
foreign currency
4.00 Points/AED
Earn 4 points per USD 1 spent internationally and 2 points per USD 1 spent locally. 125 points = 1 AED
Eligibility
Min income: AED 30,000
Age: 21 to 60
Salary transfer: Not required
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
- 15.00%
- Top cap
- AED 0
TG
Travel General
Up to 15.00% cashback
Spend tierRateCapNotes
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 10.00% cashback
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
10.00%
Cap
No cap listed
Earn 10% cashback at UAE airport duty free stores, capped at AED 100 per statement
Spend tier
Published reward rule
Rate
2.00%
Cap
No cap listed
Convert 360º Rewards points to 2% cashback when purchasing airline tickets
Benefits
Travel
Airport Lounge Access
Lounge Access
Unlimited lounge visits for cardholder and guest via Visa Airport Companion app
Conditions: First 2 visits complimentary. For unlimited access, make at least 1 international purchase worth USD 1 within 15 days before travel
Partner: VisaProgram: Visa Airport Companion
DUBZ Airport Services Discount
Discount
15% discount on all DUBZ airport services including home check-in, luggage delivery, and airport assistance
Conditions: Enter required details at dubz.com/check-eligibility
Service Area: UAE airportsPartner: DUBZ
Careem Airport Transfers
Transportation
4 complimentary airport rides per year with up to AED 100 discount per ride
Conditions: Use promo code SCB100 in Careem app. Must have conducted at least 1 airline transaction within last 180 days. Pay with Journey credit card
Service Area: UAE airportsPartner: Careem
Multi-trip Travel Insurance
Insurance
Complimentary travel insurance for cardholders and families on all trips up to 90 days
Conditions: Make travel purchases with Journey card. Visit cardholderbenefitsonline.com to generate certificate
Partner: Visa
Lifestyle
Golf Privileges
Recreation
2 rounds of golf booking each billing cycle via SpikesOn.com app at 8 UAE golf clubs
Conditions: Minimum spend of AED 12,000 per billing cycle required, otherwise AED 525 fee per round applies. Book through SpikesOn.com app
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.com
Warehouse Gym Access
Fitness
Complimentary access up to 30 visits per billing cycle to Warehouse Gym across UAE
Conditions: Minimum spend of AED 10,000 per billing cycle required, otherwise AED 525 fee applies
Gym: Warehouse GymService Area: UAEPartner: Warehouse Gym
Cinema Offers
Entertainment
Buy 1 Get 1 Free movie tickets at all VOX and Reel Cinemas in UAE. Maximum 8 tickets (4 free) per person per card each month
Conditions: 25% discount on single items of food and beverages at Candy Bar (excluding combos)
Partner: VOX CinemasPartner: Reel CinemasService Area: UAE
Visa Entertainer Access
Entertainment
Complimentary access to Visa ENTERTAINER for 2-for-1 offers on dining, beauty, attractions and hotels worldwide
Conditions: Download Visa Airport Companion app
Service Area: WorldwidePartner: VisaPartner: ENTERTAINERProgram: ENTERTAINER
BookingBash Pro Membership
Membership
Complimentary Pro membership (worth up to AED 499) with discounts on theme parks, museums, cruises, safaris, and indoor activities
Conditions: Download BookingBash app
Partner: BookingBashProgram: BookingBash ProProgram: BookingBash
Visa Concierge Service
Concierge
24×7 personalized services with Visa Infinite Concierge
Conditions: Email concierge@visainfinitemea.com or WhatsApp +44 7874 023129 (English) or +44 7520 631645 (Arabic)
Partner: Visa
Rewards
360º Rewards Points
Rewards Program
Earn 4 points per USD 1 spent internationally and 2 points per USD 1 spent locally. 125 points = 1 AED
Conditions: Automatic on all eligible purchases
Service Area: InternationalService Area: UAEPartner: AmazonPartner: CarrefourPartner: NoonPartner: Sharaf DGPartner: IKEAPartner: CAFUPartner: JoyalukkasProgram: 360º Rewards
Rewards Points to Cashback Conversion
Rewards Redemption
Convert 360º Rewards points to 2% cashback when purchasing airline tickets
Conditions: Purchase airline ticket from any airline and call 800 4949 within 60 days to redeem points balance. Example: 50,000 points = AED 1,000 cashback
Program: 360º Rewards
Shopping
Duty Free Cashback
Cashback
Earn 10% cashback at UAE airport duty free stores, capped at AED 100 per statement
Conditions: Activate by purchasing an airline ticket. Must have conducted at least 1 airline transaction within last 180 days
Partner: UAE airport duty free storesService Area: UAE airports
Cashback
Welcome Cashback
Signup Bonus
AED 1,000 welcome cashback
Conditions: Spend minimum AED 10,000 within 60 days of card opening
Protection
Buyers Protection
Insurance
Buyers Protection provides extra peace of mind when purchasing eligible new items using Journey credit card
Conditions: Email Claims Helpline at visa@broadspire.eu
Partner: Visa
Active promotions
Welcome bonus
AED 1,000 cashback (spend AED 10,000 within 60 days)
Annual fee waiver
First year waived with AED 10,000 spend in 60 days; subsequent years waived with AED 150,000 annual spend