Standard Chartered Credit Card Referral Code: D464C (Welcome Offers)
Valid from 1 October to 31 December 2026, both dates inclusive
Apply using referral code: D464C or our referral link.
Standard Chartered currently offers these welcome benefits to eligible new cardholders:
- Visa Infinite Credit Card:
- Get 25,000 miles for paying the first-year annual fee, plus 25,000 miles when you spend at least S$2,000 within 60 days of card approval—for up to 50,000 Welcome Miles.
- The annual fee is S$599.50 including GST, and is not waivable.
- Beyond Credit Card:
- Get 60,000 miles after activating the card and paying the first-year annual fee. Earn another 40,000 miles by spending at least S$20,000 within 90 days of card approval—for a total of up to 100,000 miles.
- The annual fee is S$1,635 including GST, and is not waivable.
Terms and conditions apply. The card welcome offers have separate application deadlines, listed below.
Table of Contents
Welcome offers at a glance
| Card | What a new cardholder can receive | Main requirement | First-year annual fee |
|---|---|---|---|
| Visa Infinite | Up to 50,000 Welcome Miles | Pay the annual fee for 25,000 miles; spend S$2,000 within 60 days of approval for another 25,000 miles | S$599.50 including GST; non-waivable |
| Beyond | Up to 100,000 miles | Activate and pay the annual fee for 60,000 miles; spend S$20,000 within 90 days for another 40,000 miles | S$1,635 including GST; non-waivable |
The Visa Infinite welcome offer accepts applications until 1 February 2027; the Beyond welcome offer runs until 31 January 2027. To apply under the current referral campaign, use the referral code by 31 December 2026.
Welcome miles are credited as Standard Chartered 360° Rewards Points. Eligible spending rules, fulfilment dates, exclusions, and card approval requirements apply.
Standard Chartered is a bank offering credit cards and other banking services in Singapore. Its Visa Infinite and Beyond cards are premium travel cards that earn 360° Rewards Points, which can be converted into airline miles. Both charge non-waivable annual fees, so consider the fees and benefits alongside the welcome reward.
Who is eligible?
For the SC Referral Club credit-card campaign, you must:
- Be at least 21 years old
- Apply as the principal cardholder
- Apply using the referral code during 1 October–31 December 2026
- Receive final, unconditional approval from Standard Chartered
For a Visa Infinite referral, you must not currently be a principal cardholder of a Standard Chartered credit card or have cancelled one during the 12 months before applying. The SC Referral Club terms exempt Beyond applicants from this particular new-to-card requirement; its welcome offer has separate conditions.
Card approval remains subject to Standard Chartered’s income, credit, and other eligibility requirements.
Standard Chartered Visa Infinite Credit Card
The Visa Infinite Card has the more accessible spending target of the two featured card offers:
- Up to 50,000 Welcome Miles
- Minimum spend of S$2,000 within 60 days of card approval
- Annual fee of S$599.50 including GST, which is strictly non-waivable
Key card benefits:
- Up to 3 miles per S$1 on qualifying overseas spending
- Up to 1.4 miles per S$1 on qualifying local spending
- Six complimentary Priority Pass lounge visits each year
- Complimentary travel insurance coverage of up to S$1 million for two
The higher earn rates require at least S$2,000 of spending in a statement cycle. Visit the official Visa Infinite Card page for the complete conditions.
Standard Chartered Beyond Credit Card
The Beyond Card has a larger potential welcome reward, but also a much higher annual fee and spending requirement:
- 60,000 miles after successful application, card activation, and payment of the first-year annual fee
- A further 40,000 miles after at least S$20,000 of eligible spending within 90 days
- Up to 100,000 miles from the card welcome offer in total
- Annual fee of S$1,635 including GST, which is strictly non-waivable
Key card benefits:
- Earn 1.5 miles per S$1 of local spending and 3 miles per S$1 of foreign-currency spending, with higher earn rates available for qualifying Priority Banking and Priority Private clients
- Unlimited Priority Pass lounge visits for the principal and supplementary cardholders, plus six complimentary guest visits each year
- Up to two complimentary Business Class upgrades per card year when the qualifying tickets are purchased
- Travel accident and medical insurance coverage of up to US$500,000 when the trip is booked with the card
- GHA DISCOVERY Titanium and Wyndham Rewards Diamond hotel status
- Dining privileges including a complimentary birthday meal at a designated Michelin-starred restaurant, 15% off at participating restaurants, and priority reservations at selected restaurants worldwide
- Four complimentary green fees at selected golf clubs, online purchase protection, and complimentary identity-theft monitoring
Standard Chartered advertises the possibility of earning more than one million miles with the Beyond Card, but that figure is not a simple sign-up bonus. It combines the card welcome offer with substantial fresh-funds, investment, insurance, and referral activities. Read the Beyond promotion terms before applying.
Visit the official Standard Chartered Beyond Credit Card page for complete benefit details, eligibility requirements, and terms and conditions.
Which offer is more practical?
The Visa Infinite Card is likely to be the more practical option if you can comfortably meet its S$2,000 spending requirement and accept the annual fee.
The Beyond Card may suit you if you already want its premium benefits, can justify the non-waivable S$1,635 annual fee including GST, and would naturally spend S$20,000 within 90 days. It is generally not worth accelerating unnecessary spending solely to obtain the additional miles.
Terms and disclaimer
- Standard Chartered referral sign-up page
- Standard Chartered Refer and Earn terms
- Standard Chartered credit-card comparison
Welcome offers can change or end without this article being updated immediately. Always rely on the offer displayed during your application and the applicable Standard Chartered terms and conditions.
Credit-card spending should be repaid in full and on time to avoid interest and late-payment charges.
Auntiehuat
Web Administrator
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