Standard Chartered Journey Card Bonus MCC Categories
The Standard Chartered Journey Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Transport (online SGD) — 3 MPD
Commuter transport, taxis/limos, cruise lines, transport services NEC — Grab, Gojek, Tada, Ryde, Easybook, Royal Caribbean.
2. Food Delivery & Dining (online SGD) — 3 MPD
Fast food, caterers and restaurants booked online — GrabFood, Foodpanda, Deliveroo, McDonald's, KFC.
3. Groceries & Food Stores (online SGD) — 3 MPD
Groceries, bakeries, convenience stores and liquor stores online — NTUC FairPrice Online, RedMart, Nespresso.
Tips to Maximize Standard Chartered Journey Card Rewards
- Bonus miles require ONLINE (card-not-present per Visa) AND SGD — in-store and mobile-wallet (Apple/Google Pay) transactions earn base only
- Bonus cap S$1,000/category spend per statement month (3,000 bonus miles); base earn is uncapped
- 2 free Priority Pass visits per year only
- Renewal gift of 10,000 miles on fee payment reverses if the fee is waived
Frequently Asked Questions
Which MCCs earn 3 MPD on SC Journey?
Per the Journey T&C Part 2 cl.21: transport 4111, 4121, 4411, 4789; food 5811, 5812, 5814; groceries 5411, 5462, 5499, 5921. Transactions must also be SGD and online/card-not-present per Visa's classification.
Why did my Grab ride earn only 1.2 MPD on SC Journey?
The 3 MPD bonus requires online/card-not-present transactions. Paying via a mobile wallet (Apple/Google/Samsung Pay) is explicitly NOT card-not-present, and in-store contactless earns the base rate.
Which MCCs are excluded from SC cards?
SC's shared Retail Transaction Exclusions list (35 codes) applies: 4829, 4900, 5047, 5199, 6012, 6050, 6051, 6211, 6513, 6529, 6530, 6534, 6540, 7299, 7349, 7511, 7523, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405 — plus betting, prepaid top-ups and wallet terms.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.