1 Oct – 31 Dec 2026 · SC Referral Club · November update
Up to 100,000 welcome miles or S$60,000+ in gifts.
Use Standard Chartered referral code BA3AC through SC's official referral sign-up link, which fills the code in for you. New Beyond cardholders can earn up to 100,000 welcome miles, new Visa Infinite cardholders up to 50,000 miles, and new Priority Banking clients get access to over S$60,000 worth of welcome gifts.
Standard Chartered referral code
BA3AC
Open sign-up link
Code BA3AC is filled in automatically when you use this link · T&Cs apply
✈️
100,000 miles
Beyond Credit Card welcome miles, max
💳
50,000 miles
Visa Infinite Card welcome miles, max
🏛️
S$60,000+
Priority Banking welcome gifts on offer
At a glance
Standard Chartered referral code: November 2026 at a glance
Standard Chartered referral code BA3AC, November 2026: up to 100,000 welcome miles on the Beyond Credit Card or over S$60,000 in Priority Banking welcome gifts. Apply by 31 Dec 2026.
Step by step
How to use the Standard Chartered referral code
The code only counts when you apply from SC's referral sign-up page. Use the direct link and the code is filled in for you.
1
Open the direct sign-up link on your phone
Tap the button below to open Standard Chartered Singapore's official referral sign-up page on sc.com. The link already carries code BA3AC, so the code field is filled in for you. Use your phone: card applications on this page continue in the SC Mobile app.
Under "Received a referral code?", the Referral Code field should already show BA3AC. If it is empty, type the 5-character code in and tap Submit. Tap the code below to copy it.
BA3AC
⚠️Make sure the code is in before you apply. SC's terms say all referral applications must be submitted from the Referral Signup page, so an application started from another SC page will not be tracked as a referral.
3
Pick your product and tap Apply Now
Under "Latest Referral Promotions", choose the Beyond Credit Card, the Visa Infinite Credit Card or Priority Banking, and finish the application. Apply by 31 December 2026, the last day of the referral period.
4
Meet the welcome offer conditions
Beyond: pay the first-year annual fee for 60,000 miles, then spend S$20,000 within 90 days of approval for 40,000 more. Visa Infinite: pay the first-year annual fee for 25,000 miles, then spend S$2,000 within 60 days of approval for 25,000 more. Priority Banking: bring in at least S$200,000 in fresh funds and keep them in place to unlock the welcome gift tiers.
ℹ️Keep the card active and in good standing for 6 months after approval. SC can take the welcome miles back if the qualifying spend is refunded or the relationship is closed early.
5
Receive your welcome miles as Rewards Points
SC credits welcome miles to your card account as Rewards Points (2.5 points = 1 mile), on a fixed schedule set by your approval month. For the Beyond card, the annual-fee portion arrives about 3 months after approval and the spend portion about 6 months after approval.
✅Convert your Rewards Points to KrisFlyer or other airline partners in the SC Mobile app once they land.
What you get
Standard Chartered sign-up bonus with referral code BA3AC
Three products are in the SC Referral Club programme this quarter. Pick the one that fits your spending and savings.
Beyond Credit Card
100,000
welcome miles, max
60,000 miles when you pay the first-year annual fee
40,000 more when you spend S$20,000 within 90 days
Earn up to 8 miles per S$1
Unlimited Priority Pass lounge visits, plus 6 guest visits a year
Annual fee S$1,500 (excl. GST), not waivable
Welcome offer runs to 31 Jan 2027
Visa Infinite Credit Card
50,000
welcome miles, max
25,000 miles when you pay the first-year annual fee
25,000 more when you spend S$2,000 within 60 days
1.4 miles per S$1 local, up to 3 miles per S$1 overseas (min. S$2,000 spend per statement cycle)
6 complimentary Priority Pass lounge visits a year
Annual fee S$550 (excl. GST), S$599.50 with GST, not waivable
New Standard Chartered cardholders only
Priority Banking
S$60,000+
worth of welcome gifts
Cash Reward from S$350 to S$4,000, by fresh funds tier
Or a Signature CIO Fund Reward from S$700 to S$8,000
S$200 Wealth Cash for every S$50,000 in eligible unit trusts bought in a day
Relationship manager and Priority lifestyle privileges
From S$200,000 in fresh funds, new Priority Banking clients only
💡Not sure which card? The Visa Infinite needs only S$2,000 of spend for its full 50,000 miles. The Beyond card pays double the miles but needs S$20,000 of spend in 90 days and a higher annual fee, so it suits big planned expenses such as insurance premiums, renovation or travel bookings.
🏛️ New Priority Banking clients
Priority Banking welcome gifts: cash or CIO fund reward
Standard Chartered says new Priority Banking clients can receive over S$60,000 worth of welcome gifts. The headline sign-up reward is paid by fresh funds tier: choose a Signature CIO Fund Reward or a Cash Reward.
Fresh funds
Cash Reward
or CIO Fund Reward
S$200,000
S$350
S$700
S$300,000
S$1,000
S$2,000
S$1 million
S$2,000
S$4,000
S$1.5 million
S$3,000
S$6,000
S$3 million
S$4,000
S$8,000
Conditions: For new Priority Banking relationships only; existing Standard Chartered customers cannot join the new-to-bank sign-up promotion. Tiers from S$1 million also need you to sign up as a Priority Private client and consent to be treated as an Accredited Investor. Clients bringing S$200,000 to under S$1 million may get an extra S$1,000 reward if they qualify as Accredited Investors. Figures from SC's Priority Banking sign-up page, November 2026. T&Cs apply.
Who qualifies
Eligibility for the Standard Chartered referral offer
Check these before you apply. The rules differ between the two cards and Priority Banking.
✅ You qualify if
You are at least 21 years old
You enter code BA3AC on SC's Referral Signup page and apply from there
You apply between 1 Oct and 31 Dec 2026
Visa Infinite: you hold no Standard Chartered credit card as principal cardholder, and have not cancelled one in the last 12 months
Priority Banking: you are opening a new Priority Banking relationship with at least S$200,000 in fresh funds
Your application is approved
❌ You don't qualify if
You apply from another SC page or without entering the code
Visa Infinite: you already hold, or cancelled within 12 months, a Standard Chartered credit card
Priority Banking: you are an existing Standard Chartered customer
You don't pay the first-year annual fee (it is not waivable)
You miss the spend target within 60 days (Visa Infinite) or 90 days (Beyond)
ℹ️The Beyond Credit Card is exempt from SC's existing-cardholder rule for referrals, so current Standard Chartered cardholders can still apply for Beyond with code BA3AC.
🎁 DLCuration Rewards Club · Free to join
Win up to S$50 every month.
Our free monthly draw for DLCuration readers. Join with your email, complete a few quick actions, and you are in this month's draw. A new draw opens on the 1st of every month.
Top prize · 1 winner
S$50
e-voucher
2nd prize · 1 winner
S$20
e-voucher
Lucky members · 6 winners
6 × S$5
e-vouchers
🎟️8 winners every month, drawn at random after the month closes.
✅Up to 16 entries a month: visit, follow and engage for 1 entry each, then crack the secret code for 10 more.
🆓Free to join. No purchase needed, and you never need to open an account or use a referral code to enter or win.
Join the Rewards Club
Singapore residents aged 18+ · One entry form per person · Full rules on the club page
The DLCuration Rewards Club is run and funded by DLCuration. It is not affiliated with, endorsed by or run by Standard Chartered Bank (Singapore) Limited, and it does not change your Standard Chartered welcome rewards.
FAQ
Standard Chartered referral code FAQ
Based on Standard Chartered Singapore's SC Referral Club terms and card welcome offer terms, checked 2 November 2026.
It depends on the product you apply for from SC's referral sign-up page by 31 December 2026. The Beyond Credit Card gives up to 100,000 welcome miles: 60,000 when you pay the first-year annual fee and 40,000 more when you spend S$20,000 within 90 days. The Visa Infinite Credit Card gives up to 50,000 welcome miles: 25,000 for paying the annual fee and 25,000 for spending S$2,000 within 60 days. New Priority Banking clients get access to over S$60,000 worth of welcome gifts, including a Cash Reward of S$350 to S$4,000 or a Signature CIO Fund Reward of S$700 to S$8,000.
Yes, there is a direct sign-up link: sc.com referral sign-up with BA3AC. It opens Standard Chartered's official referral sign-up page with code BA3AC already filled in. You can also go to sc.com/sg/referral yourself, type BA3AC in the Referral Code field and tap Submit. Then tap Apply Now on the product you want. SC's terms say all referral applications must be submitted from this page, and card applications continue in the SC Mobile app, so open it on your phone.
SC tracks a referral only when the application starts from the Referral Signup page after the code is submitted, so you can't add the code to an application you already sent. If the code is rejected, check it is typed as BA3AC (five characters: B, A, the number 3, A, C) with no spaces. Also check you meet the product rules: the Visa Infinite referral is for people who do not hold a Standard Chartered credit card and have not cancelled one in the last 12 months.
You must be at least 21 years old and apply between 1 October and 31 December 2026 through the referral page. For the Visa Infinite card you must not be an existing principal cardholder of any Standard Chartered credit card, or have cancelled one in the 12 months before applying. The Beyond card is exempt from that rule. Priority Banking welcome gifts are for new Priority Banking relationships with at least S$200,000 in fresh funds; existing Standard Chartered customers cannot join the new-to-bank sign-up promotion.
Welcome miles are credited to your card account as Rewards Points, at 2.5 points per mile, on a schedule set by your approval month. For the Beyond card, the 60,000-mile annual fee portion arrives about 3 months after approval and the 40,000-mile spend portion about 6 months after approval. For the Visa Infinite card, the spend portion is credited about 3 months after approval. Keep the card active and in good standing for 6 months, as SC can take back miles if the qualifying spend is refunded.
The Visa Infinite card is the easier win: 50,000 miles for S$2,000 of spend in 60 days, with a S$599.50 annual fee (including GST). The Beyond card pays up to 100,000 miles and earns up to 8 miles per S$1 with unlimited Priority Pass visits, but needs S$20,000 of spend in 90 days and has a S$1,500 annual fee before GST. Neither annual fee can be waived, so pick Beyond only if you have large planned expenses to put on the card.
Open a new Priority Banking relationship from the referral page and bring in at least S$200,000 in fresh funds. The sign-up reward is tiered by fresh funds: a Cash Reward of S$350 at S$200,000 rising to S$4,000 at S$3 million, or a Signature CIO Fund Reward of S$700 to S$8,000. You also get S$200 for every S$50,000 of eligible unit trusts bought in a single day. Tiers from S$1 million need Priority Private sign-up and Accredited Investor consent.
The DLCuration Rewards Club is a free monthly draw run and funded by DLCuration, separate from Standard Chartered. Join with your email on the Rewards Club page and complete a few quick actions for up to 16 entries a month. Eight winners are drawn every month: one S$50 e-voucher, one S$20 e-voucher and six S$5 e-vouchers. You never need to open an account or use a referral code to enter or win.
Yes. Standard Chartered Bank (Singapore) Limited (Reg. No. 201224747C) is a licensed bank regulated by the Monetary Authority of Singapore. Singapore dollar deposits are insured by the Singapore Deposit Insurance Corporation up to S$100,000 per depositor per Scheme member. Investment products, structured deposits and foreign currency deposits are not insured, and credit cards are not deposits.
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. Credit cards are not deposits. Standard Chartered Bank (Singapore) Limited is licensed and regulated by the Monetary Authority of Singapore.
Up to 100,000 miles with code BA3AC.
Open SC's direct sign-up link (code BA3AC is filled in), then apply for the Beyond card, the Visa Infinite card or Priority Banking by 31 December 2026.
