Standard Chartered Credit Card Referral Code: D464C (Welcome Offers)
Valid from 1 July to 30 September 2026, both dates inclusive
Standard Chartered currently offers these welcome benefits to eligible new cardholders:
- Visa Infinite Credit Card:
- Get up to 50,000 Welcome Miles when you spend at least S$2,000 within 60 days of card approval.
- The annual fee is S$550, excluding 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$1,500, excluding GST, and is not waivable.
You do not need a referral code to qualify for these standard welcome offers. If you choose to apply through our referral link or enter referral code D464C, we may receive a referral reward without changing your welcome offer.
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 | Spend S$2,000 within 60 days of approval | S$550 excluding 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$1,500 excluding GST; non-waivable |
Welcome miles are credited as Standard Chartered 360° Rewards Points. Eligible spending rules, fulfilment dates, exclusions, and card approval requirements apply.
Who is eligible?
General card eligibility requirements include:
- Be at least 21 years old
- Apply as the principal cardholder
- Not currently be a principal cardholder of a Standard Chartered credit card
- Not have cancelled a Standard Chartered credit card during the 12 months before applying
- Receive final, unconditional approval from Standard Chartered
The Beyond Credit Card has separate offer 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$550 excluding 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$1,500 excluding 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$1,500 annual fee, 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.
This article contains a referral code. If you use it and your application qualifies, we may receive a referral reward. 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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