Standard Chartered Refer A Friend Programme Referral Code : 8B92B

Using the Standard Chartered referral code 8B92B at the official referral sign-up page unlocks up to 100,000 Welcome Miles on the Beyond Credit Card, 50,000 Welcome Miles on the Visa Infinite Credit Card, or over S$60,000 in welcome gifts if you join Priority Banking.

What is Standard Chartered and Why Use It

Standard Chartered Bank (Singapore) Limited is one of the longest-running banks in Singapore, with a full retail line-up: deposit accounts, credit cards, mortgages, personal loans, unit trusts, online trading and insurance. It is regulated by the Monetary Authority of Singapore (MAS), and deposits are protected under the Singapore Deposit Insurance Scheme up to S$100,000 per depositor.

Headline products right now:

• Bonus$aver Account — up to 7.35% p.a. (includes a 3-month new-customer bonus; see breakdown below)
• Visa Infinite and Beyond Credit Cards — the two cards in this quarter’s referral programme, aimed at miles collectors and premium travellers
• Simply Cash and Journey Credit Cards — 1.5% unlimited cashback and up to 3 miles per S$1 respectively (direct sign-up offers, not via referral)
• CashOne Personal Loan — from 0.90% p.a. (EIR from 1.75% p.a.)

Standard Chartered Referral Code

Here’s exactly what code 8B92B unlocks for you as a new customer, based on the official SC Referral Club page for 1 October – 31 December 2026:

SC’s current Bonus$aver offer gives S$100 cashback when you open a Bonus$aver Account and a Bonus$aver World Mastercard Credit Card, and deposit and maintain S$50,000 in fresh funds. Valid 16 October 2026 to 1 February 2027. This is open to everyone — the referral code does not add extra cashback on top for regular (non-Priority) customers.

How to Use the Standard Chartered Referral Code (Step-by-Step)

The application is fully digital via Singpass MyInfo, so most people finish in under 15 minutes.

1. Go to sc.com/sg/promotions/referral-signup/
2. Enter the 5-character referral code: 8B92B in the “Received a referral code?” box and tap Submit.
3. Choose your product — Visa Infinite, Beyond, or a Priority Banking account (Wealth $aver or Bonus$aver under the Priority Banking tab).
4. Verify with Singpass MyInfo. This auto-fills your NRIC, address, employment and income details.
5. Submit and wait for approval. Credit card approvals typically take a few working days; for Priority Banking, a relationship manager will usually contact you.
6. Complete the qualifying action.
   • Visa Infinite: spend S$2,000 within 60 days of approval and pay the annual fee
   • Beyond: spend S$20,000 within 90 days of approval and pay the annual fee
   • Priority Banking: deposit the required fresh funds for your gift tier
7. Receive your reward according to the promotion T&Cs.

Eligibility & Terms You Should Know

Who can use the code

• Visa Infinite: you must not currently be a principal cardholder of any Standard Chartered credit card, and must not have closed or cancelled one in the 12 months before the referral date.
• Beyond: a premium card with a high income requirement and S$1,500 + GST annual fee — check the Beyond product page and promo T&Cs before applying.
• Priority Banking: requires a significant deposit/AUM relationship. Gift tiers depend on fresh funds placed — see the Priority sign-up promotion T&Cs.
• Credit card applicants must generally be 21–65 years old.

Common gotchas

• All applications must be submitted from the referral sign-up page. Applying via the regular product page may not count, even if you know the code.
• The code must be entered before you apply. Missed codes generally cannot be added later.
• Welcome miles require hitting the minimum spend within a fixed window and paying the annual fee. Miss the deadline and the miles are forfeited.
• Don’t confuse the Bonus$aver S$100 cashback (public offer, needs S$50,000 fresh funds + Bonus$aver credit card) with a referral reward.
• The 100,000-mile Beyond offer needs S$20,000 spend in 90 days — only worth it if that spend is genuinely planned (e.g. renovation, insurance premiums, tax where eligible).

Promo validity

The current SC Referral Club promotion runs from 1 October to 31 December 2026. The referral code 8B92B itself does not expire, but SC refreshes the rewards every quarter — always check the official terms on the day you apply.

Bonus$aver Interest Breakdown (Up to 7.35% p.a.)

Even without a referral reward, Bonus$aver is worth knowing about. Bonus interest applies on the first S$100,000:

Realistic rate: Most working adults will hit salary + spend only, giving 1.85% p.a. The 7.35% headline requires a S$24,000/year insurance policy and a S$30,000 investment, and part of it lasts only 3 months.

Is the Standard Chartered Referral Bonus Worth It?

This quarter, the referral programme is clearly aimed at higher-income and high-net-worth customers.

Where it makes the most sense:

• You’re a miles collector, don’t hold any SC card, and can comfortably spend S$2,000 in 60 days — the Visa Infinite’s 50,000 miles is a strong return for the annual fee.
• You have a big planned expense (renovation, wedding, insurance premiums) and can hit S$20,000 in 90 days — 100,000 miles on Beyond is one of the largest welcome bonuses in Singapore.
• You have the assets to qualify for Priority Banking and want a dedicated relationship manager plus the welcome gifts.

Where it’s less compelling:

• You want an entry-level cashback card — Simply Cash or Smart aren’t in the referral programme this quarter, so apply directly and compare their current welcome offers instead.
• You just want a savings account — Bonus$aver’s S$100 is available without a code, and a digital bank like Trust or GXS may suit you better if you can’t park S$50,000.
• You’d have to overspend to hit the minimum — chasing miles by spending money you otherwise wouldn’t is never worth it.

How to Share Your Own Standard Chartered Referral Code

Once you’re an SC customer, you can generate your own code:

1. Open the SC Mobile app (iOS or Android)
2. Go to the Refer A Friend / SC Referral Club page
3. Generate your unique 5-character code
4. Share it via WhatsApp, Telegram or social media

Referrer rewards for 1 October – 31 December 2026:

• S$80 cashback per successful Visa Infinite Credit Card referral
• 20,000 miles or S$200 cashback per successful Beyond Credit Card referral
• Up to S$2,500 account credit per successful Priority Banking referral

There’s no cap on the number of referrals. Referral cashback is credited within 60 days of your friend’s application being approved.

FAQ

How long does the Standard Chartered referral reward take to credit?

For referrers, cashback is credited within 60 days of the referred friend’s application being approved. For new customers, welcome miles and gifts are credited according to each product’s promotion T&Cs, after you complete the minimum spend or fresh-funds requirement.

Can I use the referral code if I already have a Standard Chartered account?

For the Visa Infinite Card, no — you must not hold any SC principal credit card and must not have closed one in the past 12 months. For Priority Banking, eligibility depends on the fresh funds you bring in, so check the Priority sign-up T&Cs. For Beyond, check the Beyond promotion T&Cs.

Can I still get the Samsonite luggage or S$168 Bonus$aver cashback?

No. Those were part of the April–June 2026 referral promotion and have ended. The current Bonus$aver sign-up offer is S$100 cashback (16 Oct 2026 – 1 Feb 2027), available without a referral code.

Do I need to pay the annual fee to get the welcome miles?

Yes. Both the Visa Infinite (S$550 + GST) and Beyond (S$1,500 + GST) welcome miles offers require the annual fee to be charged and paid, in addition to hitting the minimum spend.

What if I forget to enter the referral code at sign-up?

Standard Chartered generally does not back-credit referral rewards. The code 8B92B must be entered on the referral sign-up page before you apply.

What if the referral code doesn’t work?

If code 8B92B is rejected, send me a message via the chat icon at the bottom right of this page and I’ll get you a working code.

Is Standard Chartered safe to use in Singapore?

Yes. Standard Chartered Bank (Singapore) Limited is licensed and regulated by MAS, and Singapore-dollar deposits are insured up to S$100,000 per depositor under the Singapore Deposit Insurance Scheme. It has been operating in Singapore since 1859.