Standard Chartered Referral Code BA3AC: Up to 100,000 Welcome Miles (Nov 2026)

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I went through Standard Chartered's referral flow this month, and the one thing that trips people up isn't the code. It's where you apply from. The easiest way to get that right is SC's direct sign-up link, which fills the code in for you.

👉 Standard Chartered referral code: BA3AC
👉 Direct sign-up link (code filled in automatically): https://www.sc.com/sg/promotions/referral-signu...

The link opens SC's own referral sign-up page on sc.com with BA3AC already in the Referral Code field. You have to start the application from that page. SC's terms say referral applications must be submitted from the Referral Signup page, so if you apply through the normal credit card page, the referral simply won't track.

What you get as a new customer

1. Beyond Credit Card: up to 100,000 welcome miles. You get 60,000 miles when you pay the first-year annual fee and keep the card for 6 months. You get 40,000 more when you spend S$20,000 within 90 days of approval.
2. Visa Infinite Credit Card: up to 50,000 welcome miles. You get 25,000 miles for paying the first-year annual fee, then 25,000 more for spending S$2,000 within 60 days of approval.
3. Priority Banking: over S$60,000 worth of welcome gifts, according to SC. The headline sign-up reward is tiered by fresh funds, starting at S$200,000. You can pick a Cash Reward from S$350 to S$4,000 or a Signature CIO Fund Reward from S$700 to S$8,000.

The miles land as Rewards Points (2.5 points = 1 mile), so they show up as points first. For the Beyond card, the annual-fee portion comes about 3 months after approval and the spend portion about 6 months after.

How to claim it

1. Open the direct link above on your phone. Card applications continue in the SC Mobile app.
2. Under "Received a referral code?", check the field shows BA3AC. If it's empty, type it in and tap Submit.
3. Tap Apply Now on the Beyond card, the Visa Infinite card or Priority Banking, and finish the application from there.
4. Pay the first-year annual fee and hit the spend target in time.
5. Wait for the Rewards Points, then convert them to KrisFlyer or another partner.

Things that can cost you the miles

• ✅ Apply by 31 Dec 2026. That's the end of the referral period, even though the card welcome offers themselves run into 2027.
• ✅ The annual fees can't be waived. Visa Infinite is S$599.50 with GST. Beyond is S$1,500 before GST. Skip paying the fee and you lose the fee-linked miles too.
• ✅ Visa Infinite is for new SC cardholders. You can't currently hold a Standard Chartered credit card as principal, or have cancelled one in the last 12 months. The Beyond card is exempt from this rule, so existing SC cardholders can still apply for Beyond with the code.
• ✅ S$20,000 in 90 days is a lot. Only go for Beyond if you have big planned expenses, like insurance premiums, a renovation or travel bookings. Otherwise Visa Infinite's S$2,000 target is the easier 50,000 miles.
• ✅ Keep the card for at least 6 months. SC can claw back miles if the qualifying spend is refunded or the relationship is closed early.
• ✅ Priority Banking gifts are for new-to-bank clients. Existing SC customers can't join the new-to-bank sign-up promotion. Tiers from S$1 million also need Priority Private sign-up and Accredited Investor consent.
• ✅ You must be at least 21.

I put the Priority Banking gift table, the eligibility rules and an FAQ together on DLCuration, which is also where I cross-checked these numbers against SC's T&Cs: https://dlcuration.com/standard-chartered-refer...

A quick caveat: these are credit cards with real annual fees, not free money. Run the numbers on whether the miles are worth the fee for how you actually spend. Standard Chartered Bank (Singapore) is regulated by MAS. Not financial advice, just sharing what I found when I went through it.