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SC Journey Credit Card
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Quick facts
SC Journey Credit Card
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SC Journey Credit Card
360° points card for frequent travellers.
Key Benefits
Realistic net value (moderate user)
$415/year
Annual fee
$194
Issuer headline rate: 3X 360° points — see calculator for caps
After $194 fee & $39 forex. Based on $2,400/mo spend.
12,400 users matched · Verified 2026-06-12
Zero sales calls. Ever.
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Our transparency commitment
✓ Reward caps shown in absolute S$ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative S$/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- Lounge: Airport lounge access at select airports
- Travel: 3X 360° points
- 360° rewards points
- Travel insurance
- Best for: Travel rewards
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Flights, hotels, zero forex options
Reward Structure
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Travel
3X 360° points
Excluded categories (no rewards)
Lounge access
Airport lounge access at select airports
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
What You Actually Earn (in S$)
Absolute SGD estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
$648
Before fees & forex
Costs / year
$233
Fee $194 + forex $39
Net value / year
$415
1.44% effective return on spend
Points earned (all categories)
≈ 3,600 pts/mo (43,200 pts/yr) before caps · at $0.02/pt that's ~$54/mo (~$648/yr) in reward value
Category-wise breakdown
Travel & flights
Spend $300/mo · 3 pts per $1 spend
$162/year
$13.50/mo
$300 → 900 pts/mo × $0.02/pt = $13.50/mo900 pts/mo (10,800 pts/yr) × $0.02/pt → $13.50/mo
All other eligible spends
Spend $1,800/mo · 1.5 pts per $1 spend
$486/year
$40.50/mo
$1,800 → 2,700 pts/mo × $0.02/pt = $40.50/mo2,700 pts/mo (32,400 pts/yr) × $0.02/pt → $40.50/mo
Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Formulas and assumptions: How we calculate NAV
Best for
- →Travel rewards
Points → SGD Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
travel — 3 pts per $1 spend
You spend
$500
You earn
1500 pts
Worth ≈
$22.50
@ $0.02/point
Capped at $500/month spend for accelerated rate
all — 1.5 pts per $1 spend
You spend
$500
You earn
750 pts
Worth ≈
$11.25
@ $0.02/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative $0.02/pt in calculations.
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in SGD. Everything that can reduce your net value.
Joining fee
Charged in first year
$194
Annual / renewal fee
Charged every year unless waived
$194
Forex markup
3.25% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically S$50–S$100 depending on balance — always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user net math
Formulas and assumptions: How we calculate NAV
Eligibility Snapshot
Public criteria from Issuer public T&Cs (Singapore, verified Jun 2026). Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with SC Journey Credit Card?+
At moderate spend ($2,400/mo), gross rewards are about $648/year. After the $194 annual fee, net value is approximately $415/year. Use the calculator above to model your own spends.
What is the minimum income for SC Journey Credit Card?+
$50,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
Insurance, Government payments, Balance transfers.
Does CardHungry pull my CBS score?+
No. We use public eligibility criteria only. The bank will check CBS when you apply.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.