Standard Chartered

Standard Chartered Journey Credit Card

Earn 360 Rewards Points with unlimited lounge access, golf and gym benefits

Min salary: AED 30,000/mo
Annual fee: AED 1,575/yr (1st year free)
Salary transfer: Not required
FX fee: 2.99%
Monthly interest: 3.69%
Interest-free days: 55 days
Welcome offer: AED 1,000 welcome cashback on spending AED 10,000 within 60 days of card opening
Fee waiver: First year free with AED 10,000 spend in 60 days; thereafter waived with AED 150,000 annual spend

Travel & flights
Capped at AED 100/mo
10% cashback on UAE airport duty-free stores (capped AED 100/statement, requires airline ticket purchase activation).
10% back
Everything else
No cap
4 x 360° Rewards Points per USD 1 on international spends (original rate per USD); 2 pts per USD 1 on local spends. 125 pts = AED 1.
1.089 pts / AED

Unlimited Airport Lounge Access: Unlimited complimentary lounge access for cardholder and 1 guest via Visa Airport Companion. First 2 visits free; unlimited after 1 international purchase of USD 1.
2 Golf Rounds per Billing Cycle: 2 complimentary golf rounds per billing cycle via SpikesOn.com with AED 12,000/cycle minimum spend; else AED 525/round charged.
Warehouse Gym Access: Up to 30 complimentary Warehouse Gym visits per billing cycle (min spend applies).
4 Airport Transfers per Year: 4 complimentary Careem airport transfers per year (up to AED 100 each, promo code SCB100, requires airline ticket purchase activation).
Buy 1 Get 1 Free Movies: Buy 1 Get 1 Free at VOX and Reel Cinemas in the UAE.

The fine print that matters

Very High Annual Fee
AED 1,575 annual fee (incl. VAT); waiver requires AED 150,000 annual spend. Charged in 3rd month of first year if spend criteria not met.
Cash Advance Fee
3.15% of cash advance amount or AED 105, whichever is higher. Cash interest rate 3.75% per month (APR 45%).
FX Transaction Fee
Up to 2.99% on international transactions (in addition to Visa processing fee).
Overlimit Fee
AED 292.95 charged if total outstanding balance exceeds credit limit.
Late Payment Fee
AED 241.50 charged if minimum payment not made by due date.