Personal Finance Tips

Best Standard Chartered Miles Credit Cards for Singapore: SC Visa Infinite, SC Journey or SC Beyond?

Michelle Alyssa

06.06.25

Read time 5 minutes

If you’re looking for a more rewarding credit card, you may be considering getting a Standard Chartered miles card to allow you to earn points you can convert for flights, upgrades, vouchers or cash back.

This guide walks through the Standard Chartered miles credit card options, including the most popular cards you might want to pick. We’ll also touch on the Wise card, which is a debit card that’s ideal for travel due to its low conversion fees and mid-market rate.

Table of contents
Key Considerations when choosing a card for miles Top Standard Chartered Credit Cards Visa Infinite Journey card Beyond card SC Miles conversion and redemption Smarter overseas spending with Wise

What to consider when choosing a credit card for miles

If you’re specifically thinking of using a credit card to convert Standard Chartered points to KrisFlyer or Asia miles, you’ve got a few great options. Rewards can also be redeemed as other perks and benefits, offering flexibility for different customer needs.

Before you choose the card for you, it can pay to examine the Standard Chartered credit card miles conversion rates so you’ll know you’re getting the best rewards available. You’ll also need to check out:

Minimum income requirements - which can vary depending on whether you’re a Singapore citizen, PR or a foreigner
Annual fees - ranging from 194 SGD to 1,500 SGD depending on the card tier, but banks often provide fee waivers for the first year or when you meet certain spending thresholds
Foreign transaction charges - at 3.5%, these charges can push up the costs of spending when you travel
Other perks and benefits, like lounge access, cash back, and discounts

Weighing these factors against your spending and travel habits will help you find the card that delivers the best value for your needs.

Top Standard Chartered Credit Cards for Miles in Singapore

Let’s look at a side by side comparison of the most popular Standard Chartered credit cards for miles in Singapore. We’ve got more details on each coming up right after.

Cards	Minimum annual income	Annual fees	Earn rate per $1 spent	Key Perks
SC Visa Infinite¹	30,000 SGD - 150,000 SGD	599.50 SGD	Up to 1.4 miles on local spend Up to 3 miles on overseas spend	6 lounge access passes Free travel insurance 50,000 Welcome Miles
SC Journey⁴	30,000 SGD - 60,000 SGD	194.40 SGD	Up to 3 miles on local spend 2 miles on overseas spend	2 lounge access passes Free travel insurance 30,000 Welcome Miles
SC Beyond⁵	200,000 SGD	1,500 SGD	Up to 2 miles on local spend Up to 8 miles on overseas spend	Unlimited lounge access Free travel insurance Access to exclusive airport limousine service and hotel programmes

*Details correct at time of writing - 26th May 2025

Standard Chartered Visa Infinite credit card

The Standard Chartered Visa Infinite credit card¹ targets high-earning customers who can consistently spend at least 2,000 SGD monthly to maximize their reward opportunity.

Minimum annual income: 30,000 SGD - 150,000 SGD Annual fee: 599.50 SGD² Miles earning rate: Up to 1.4 miles per dollar on local spending Up to 3 miles per dollar on overseas spending Minimum spend: 2,000 SGD/month to benefit from the higher point earning rate Foreign transaction fee: 3.5%

New cardholders can earn 50,000 Welcome Miles by spending 2,000 SGD within the first two months – enough for an international flight redemption.

The minimum income varies significantly based on your customer and residency status. For Priority or Private Banking customers, the minimum income is 30,000 SGD for Singaporean citizens and residents and 60,000 SGD for foreigners. Standard customers require a minimum income of 150,000 SGD, making this a card which primarily suits higher earners

If you’re a Priority or Private Banking customer, and a Singapore citizen or PR, the minimum income is 30,000 SGD, while for foreigners the minimum income is 60,000 SGD. If you’re not a Priority or Private Banking customer, the minimum income required is 150,000 SGD, making this a card which primarily suits higher earners.

Standard Chartered Journey credit card

The Standard Chartered Journey credit card⁴ is optimised for travel, with ways to earn rewards on foreign spending, and no foreign transaction fee.

Minimum annual income: 30,000 SGD - 60,000 SGD Annual fee: 194.40 SGD Miles earning rate: Up to 3 miles per dollar on select local spend 2 miles per dollar on foreign spending Minimum spend: No minimum spend described Foreign transaction fee: No foreign transaction fee (at time of writing)

New customers are entitled to 45,000 Welcome Miles if you spend 3,000 SGD in the first two months after card approval. This applies along with other ongoing and promotional offers such as free airport lounge access, discounts on airport transfers and travel insurance, and ways to redeem your rewards as air miles, cash rewards or shopping vouchers.

If you’re a Singapore citizen or PR, the minimum income is 30,000 SGD, while for foreigners the minimum income is 60,000 SGD. Foreigners applying must hold a Singapore Employment Pass to be eligible.

Standard Chartered Beyond credit card

The Standard Chartered Beyond⁵ credit card is a premium product aimed at higher earners with a minimum salary of at least 200,000 SGD annually and a huge array of lifestyle benefits.

Minimum annual income: 200,000 SGD Annual fee: 1,500 SGD Miles earning rate: Up to 2 miles per dollar on local spend Up to 8 miles per dollar on select foreign spending Minimum spend: No minimum spend described Foreign transaction fee: 3.5%

If you’re looking for a premium credit card, the Standard Chartered Beyond credit card comes with perks like two complimentary Business Class upgrades when you purchase two Business Class tickets and two Premium Economy tickets, ten free airport limousine rides and a complimentary Birthday Meal at a Michelin-starred restaurant in Singapore. The reward earning rates depend on your banking status, with the highest rates of reward being reserved for Priority Private customers.

👀 Looking for a travel card to maximise your overseas spending? See how Wise compares with other multi-currency cards like Revolut and Youtrip in Singapore.

💳 Click here to order a Wise card

Understanding Standard Chartered Credit Card Miles Conversion and Redemption

You can convert your SC points to miles or exchange them for vouchers and cash with varying rates depending on the card you hold. All Standard Chartered 360 rewards redemption is managed digitally for convenience - here’s a summary of how it works.

How to redeem Standard Chartered Points

Standard Chartered credit card miles redemption is managed through the 360 Rewards Redemption platform⁶. You’ll need to log into the platform using your card and banking credentials, to view the reward opportunities which you can choose from.

Rewards are split by category and cover vouchers, cash redemption, airline miles and perks and more. There are fees for some services, such as converting your SC rewards to airline rewards, or pooling your rewards with another card holder. Redemption of points is usually processed within 5 working days⁷.

How to convert Standard Chartered Points to Miles

You can convert your SC points to KrisFlyer Miles (Singapore Airlines) or to Asia Miles (Cathay Pacific). There’s a fee for conversion, which sits at 27.25 SGD per transfer. It’s more cost-effective to convert all your accumulated points at once rather than making multiple smaller conversions. The conversion rate from SC points to airline miles depends on the card you have and the selected airline partner - you’re shown the conversion rates in the redemption portal when you come to manage your conversion.

To illustrate the Visa Infinite card’s potential, consider someone spending 3,000 SGD monthly, across local and overseas purchases.

Category	Miles Earned¹
Welcome Bonus	50,000
Local Spending (10 months)	42,000
Overseas Spending (2 months)	18,000
Total	110,000

This spending pattern can generate enough miles within a year to redeem a Business Class flight to popular destinations like Tokyo, Perth, or Hong Kong.

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

Miles credit cards are a good way to earn rewards for your everyday spending, but travel credit cards come with drawbacks. Foreign transaction fees, hidden exchange rate markups, high annual fees and unfavourable points-to-miles conversion rates can quickly eat into your rewards.

For overseas spending, there’s a better alternative to travel credit cards. Use the Wise card to spend smarter overseas. Hold and exchange 8+ currencies in your Wise account, with no foreign transaction fees. All currency conversion uses the mid-market rate, with low fees from 0.43%. You can also get up to 2 free ATM withdrawals to a combined value of 350 SGD every month to make it easier and cheaper to get cash while you’re away from home. Just top up in SGD and you’re ready to spend globally.

💳 Get your Wise card today

Sources used:

Sources last checked on date: 27 May 2025

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.