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Journey Credit Card

Standard CharteredVisaInfinite

The annual fee for Journey Credit Card is AED 1,575, including 5% VAT. First year waived with minimum AED 10,000 spend in first 60 days; subsequent years waived with at least AED 150,000 spend in previous 12 months. The bank asks for a minimum monthly salary of AED 30,000.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%44.28% a year
Foreign fee2.99%

Rewards

  • 4 360 Rewards Points per USD 1 spent internationally4 points per USD 1 international, 2 points per USD 1 local

Benefits the bank lists

  • Airport lounge access via Visa Airport Companion (first two visits complimentary; unlimited with qualifying international spend)
  • 2 rounds of golf per billing cycle (limited offer, min AED 12,000 monthly spend)
  • Buy 1 Get 1 Free at VOX and Reel Cinemas
  • Multi-trip travel insurance up to 90 days
  • 4 Careem airport transfers annually

Questions people ask

What is the annual fee for the Journey Credit Card?

The annual fee for Journey Credit Card is AED 1,575, including 5% VAT. First year waived with minimum AED 10,000 spend in first 60 days; subsequent years waived with at least AED 150,000 spend in previous 12 months.

What salary do I need for the Journey Credit Card?

The bank asks for a minimum monthly salary of AED 30,000.

What is the interest rate on the Journey Credit Card?

The interest rate on purchases is 3.69% a month, which is 44.28% a year.

Does the Journey Credit Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 2.99% of the amount.

Fee conditions

First year waived with minimum AED 10,000 spend in first 60 days; subsequent years waived with at least AED 150,000 spend in previous 12 months

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

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