Standard Chartered Referral Code BA3AC: Up to 100,000 Miles

✈️ Standard Chartered's welcome miles come with annual fees and spending conditions. I'd compare those costs before comparing the mile totals.

​

👉 Standard Chartered referral code: BA3AC

​

Open the official Standard Chartered referral sign-up page on your phone, enter BA3AC, tap Submit, then choose the product. Starting from another application page may not record the referral.

​

📅 The referral period is 1 October to 31 December 2026. Card applications continue in SC Mobile.

​

💳 Beyond Credit Card: up to 100,000 welcome miles

The two components are:

• 60,000 miles after paying the first-year annual fee.
• 40,000 additional miles after S$20,000 qualifying spend within 90 days of approval.

The annual fee is S$1,500 before GST, and is not waivable. The underlying Beyond welcome offer is listed through 31 January 2027, but this referral campaign has the earlier 31 December 2026 application deadline.

Existing Standard Chartered cardholders are exempt from the usual existing-cardholder exclusion for the Beyond referral. That does not remove Beyond's own approval or welcome-offer conditions.

​

💳 Visa Infinite: up to 50,000 welcome miles

• 25,000 miles after paying the first-year annual fee.
• 25,000 additional miles after S$2,000 qualifying spend within 60 days of approval.

The non-waivable annual fee is S$550 before GST, or S$599.50 including GST.

For this offer, you must not currently hold a Standard Chartered credit card as a principal cardholder or have cancelled one in the 12 months before applying.

The lower spending requirement could be easier to fit around planned purchases, but the annual fee still needs to make sense for the miles and benefits you will actually use.

​

📝 How I'd organise a card application

1. Open SC's referral page on your phone, enter BA3AC and submit the code.
2. Choose Beyond or Visa Infinite and complete the application from that referral flow by 31 December 2026.
3. Check approval, income eligibility and the card's welcome-offer terms. The referral guide specifies a minimum age of 21; approval is not guaranteed.
4. Pay the first-year annual fee and track the relevant 60-day or 90-day eligible-spend window from approval.
5. Keep the card active and in good standing for six months after approval. Refunds or early closure can lead to reward clawbacks.
6. Watch for Rewards Points, then convert to the chosen airline programme through SC Mobile. Welcome miles are credited at 2.5 Rewards Points per mile, not directly into an airline account.

The guide lists Beyond's annual-fee portion as arriving roughly three months after approval, and the spend portion roughly six months after approval. Visa Infinite's spend portion is listed at roughly three months. Exact fulfilment follows the schedule for your approval month.

​

I'd check the Beyond welcome terms or Visa Infinite welcome terms before counting a particular payment toward qualifying spend. A payment being accepted by the card does not automatically make it eligible for the bonus.

I'm a DLCuration page ambassador sharing its referral code. The comparison of the two cards and the banking option below is covered in DLCuration's Standard Chartered referral guide.

​

🏦 Priority Banking is a separate route

The “over S$60,000 in welcome gifts” headline describes a broader package of benefits and conditions. It is not a S$60,000 cash payment for depositing S$200,000.

​

The listed SGD sign-up tiers offer a choice of cash or Signature CIO Fund units:

1. S$200,000 fresh funds: S$350 cash or S$700 in fund units.
2. S$300,000: S$1,000 cash or S$2,000 in fund units.
3. S$1 million: S$2,000 cash or S$4,000 in fund units.
4. S$1.5 million: S$3,000 cash or S$6,000 in fund units.
5. S$3 million: S$4,000 cash or S$8,000 in fund units.

The official Q4 terms require a Wealth $aver or USD$aver account, completion of the relationship/funding requirements within the specified three-calendar-month window, a Financial Needs Analysis and six consecutive months of qualifying funds. Submit the Reward Selection Acknowledgment Form within three calendar months of the account-opening month, or the reward is forfeited.

​

The terms provide for payment within seven calendar months of the account-opening month. See the official Priority Banking campaign terms.

​

Those official terms distinguish S$1 million Priority Banking with Accredited Investor status from S$1.5 million and above Priority Private tiers. This is more specific than the guide's summary that groups all S$1 million-plus tiers under Priority Private. Confirm your category with the relationship manager.

​

New-to-bank eligibility also includes a 12-month lookback for specified banking/insurance relationships and 18 months without a prior Priority sign-up reward. Do not assume merely being new to Priority is enough.

​

Accredited Investor consent has implications beyond the reward; assess it separately.

​

⚠️ What I'd avoid assuming

• Entering BA3AC adds another 100,000 miles on top of the welcome offer. The figures above are the described welcome rewards, not an additional duplicate bonus.
• Paying the annual fee alone earns the full 100,000 or 50,000 miles. The spending component has its own target.
• The two card offers and banking gifts automatically stack without their own eligibility checks.
• A higher-value fund reward is the same as cash. Fund units carry market risk.

Eligible SGD deposits are SDIC-insured up to S$100,000 in aggregate per depositor per Scheme member. Investments and foreign-currency deposits are not covered. Credit cards are not deposits, and interest charges can outweigh the value of miles.

​

I'd work backwards from spending and banking needs I already have, then see whether the reward is worth the fees and commitment. Not financial advice.