Standard Chartered WorldMiles World MasterCard Review: A Useful Credit Card for Overseas Travellers

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Standard Chartered WorldMiles World MasterCard Review

Are you looking for a credit card that allows you to earn air miles? Do you travel frequently and dislike the hassle of paying in cash? The Standard Chartered WorldMiles World MasterCard promises to address all of these preferences and more.

What are the key features of the Standard Chartered WorldMiles World MasterCard, and more importantly, at what cost?

Air miles rewards

Source: Standard Chartered

The card earns 3 WorldMiles for every RM2 charged overseas and 1 WorldMile for every RM3 charged locally.

The WorldMiles earned can be converted to air miles from frequent flyer programmes such as Asia Miles, KrisFlyer, Enrich, and AirAsia BIG at a rate of 2 WorldMiles for 1 air mile.

Do note that the WorldMiles earned have an expiry period of 3 years and redemption of these miles can only be done in multiples of 1,000 WorldMiles.

Related: Air Miles 101: What You Need to Know About Using Credit Cards to Earn Miles

Other exclusive privileges and benefits

  • Receive a RM100 cashback once you activate your credit card within 45 days of approval.
  • Enjoy unlimited Plaza Premium Lounge access in KLIA and KLIA2
  • Get a complimentary airport ride home when you come back from overseas
  • Enjoy exclusive offers from more than 700 merchants across Malaysia and Singapore.
  • Discounted offers on luxury hotels, shopping, entertainment and golf courses across the world.
  • Get up to 8% discount on PYO Travel packages which includes flight and tours.
  • No annual fee for the credit card for the first year.

Related: Citi Cash Back Card Review: Should You be Getting this Cashback Card?

What is the eligibility criteria?

You need to be earning a minimum income of RM7,500 a month and be at least 21 years old to be able to apply for the Standard Chartered WorldMiles World MasterCard.

How does the Standard Chartered WorldMiles World MasterCard compare with the Citi PremierMiles Visa Card?

The Citi PremierMiles Visa offers similar benefits to the SC WorldMiles Card but has a slightly higher income requirement. We are keen to see which card is better for earning miles. Due to the different conversion rates among the cards, we’ll look at how much you need to spend to achieve 10,000 Enrich Miles.

What do you need to get 10,000 Enrich Miles?

Standard Chartered WorldMiles

World MasterCard

Citi PremierMiles Visa Card

20,000 WorldMiles

15,000 PremierMiles

Local Spend

Overseas Spend Local Spend Overseas Spend
RM60,000.00 RM13,333.33 RM45,000.00


Looking at the table above, it’s clear that the SC WorldMiles Card has the edge over the Citi PremierMiles Visa Card when it comes to overseas spends, whereas Citi PMV does better in the local spending category.

Related: HSBC Amanah MPower Platinum Credit Card-i Review: Is the Hype Well Deserved?

Our final thoughts and what this means for you

The Standard Chartered WorldMiles Card is undoubtedly a miles credit card that can help you earn air miles faster if you’re someone who travels frequently and is able to spend on the credit card overseas. With a lower income limit as compared to the Citi PremierMiles and a first-year annual fee waiver, it is also the more affordable card between the two.

Read next: Maybank 2 Cards Premier Review: Redeeming Flights Just Got Easier

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