- Annual fee
- AED 1,500
- Minimum monthly salary
- AED 30,000
- Welcome bonus
- AED 1,000 cashback when you spend AED 10,000 within 60 days.
AED 1,500. Year one is waived if you spend AED 10,000 in the first 60 days; later years are waived with AED 150,000 spend in the previous 12 months.
Our take
A premium travel card earning 360° Rewards points, with AED 1,000 welcome cashback, unlimited lounge access, golf and gym perks.
Good for
Frequent travellers earning AED 30,000+ who spend AED 150,000 a year.
Watch out for
The AED 1,500 fee is only waived after year one at AED 150,000 annual spend.
Written by Joe Hickman from Standard Chartered UAE's published terms. Not personal advice.
What it's worth in practice
Journey is the only Standard Chartered card open to new customers right now. On AED 15,000 a month, AED 3,000 of it abroad, you'd earn about 3,270 + 6,540 points: roughly 9,800 a month, or 117,600 a year. You can turn the balance into 2% cashback when you buy an airline ticket. That level of spending also clears AED 150,000 a year, so the AED 1,500 fee is waived after year one, and year one is waived if you spend AED 10,000 in 60 days. Citi Prestige is the alternative if you want airline transfer partners rather than cashback on tickets. The catch: average under AED 12,500 a month and you'll pay the full AED 1,500 from year two.
What you need
| Minimum salary | AED 30,000 a month |
|---|---|
| Annual fee waived | Spend AED 150,000 a yearAbout AED 12,500 a month |
| Welcome bonus | AED 1,000 cashbackSpend AED 10,000 within 60 days (about AED 5,000 a month) |
| Perk spend rule | 2 golf rounds per billing cycleAED 12,000 card spend that month |
Taken from Standard Chartered UAE's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
Its AED 1,500 annual fee is higher than 19 and lower than 21 of the other 43 travel & miles cards with a published fee, and the bank waives it at AED 150,000 of spend a year. The AED 30,000 minimum salary compares with a typical AED 20,000 for travel & miles cards; 19 of 26 ask for less. It has a welcome offer right now, as do 42 of the 44 other travel & miles cards; this one needs AED 10,000 of spend to unlock in full.
This is the only Standard Chartered UAE card open to new applicants that we list.
Compared with the 45 travel & miles cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- 4 360° Rewards points per USD spent abroad, 2 per USD locally
- Turn your points balance into 2% cashback when you buy an airline ticket
- 10% cashback at UAE airport duty free (max AED 100 a statement)
Included benefits
- Airport lounges
- Airport transfers
- Golf
- Gym access
- Cinema offers
- Concierge
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
StanChart Standard Chartered Journey: common questions
What salary do I need for the StanChart Standard Chartered Journey?
Standard Chartered UAE asks for a minimum monthly salary of AED 30,000.
Does the StanChart Standard Chartered Journey have an annual fee?
Yes, AED 1,500. It's waived if you spend AED 150,000 a year.
How do I get the StanChart Standard Chartered Journey welcome bonus?
AED 1,000 cashback: spend AED 10,000 within 60 days.
How do I get the Standard Chartered Journey fee waived?
Year one is waived if you spend AED 10,000 in the first 60 days. Later years are waived with AED 150,000 of spend in the previous 12 months.
Can I still apply for Standard Chartered Simply Cash?
No. Standard Chartered says Simply Cash, X Card, Smart Saadiq and Manhattan Rewards+ are closed to new applicants. Journey is the only card open.
Compare with
- Citi Prestige: the closest alternative
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