Standard Chartered Cathay Mastercard Referral: 10,000 Bonus Miles With No Spend + Welcome Miles
Apply for the Standard Chartered Cathay Mastercard (渣打國泰 Mastercard) in Hong Kong through this referral link, which attaches referral code A3872270. New cardholders get 10,000 extra Asia Miles with no spend requirement once the card is issued by 31 March 2027, on top of the card's welcome offer: on the standard card, 10,000, 20,000 or 40,000 miles for HK$5,000, HK$40,000 or HK$110,000 of eligible spend in the first 2 months. The 120,000-mile headline is the Priority Private version of the card. The standard card's HK$2,000 annual fee is waived in the first year. Credit card spending is borrowing — 借定唔借？還得到先好借！
Read our full review · 3.8/5 →Quick answer
Use code A3872270 for the Standard Chartered Hong Kong (渣打銀行) offer. New eligible customers can get 10,000 + up to 120,000 miles after meeting the requirement: No spend for the 10,000 referral miles; welcome miles need HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months. Last verified 2026-10-09.
- Reward
- 10,000 + up to 120,000 miles
- Referral code
A3872270- Last verified
- 2026-10-09
- Difficulty
- Medium
- Time to claim
- 10-15 minutes to apply online, plus card approval
- Time to payout
- Referral bonus miles by 30 June 2027; welcome miles within 5 months of card issue, per Standard Chartered's terms
A3872270Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Check that you are a new cardholder: no Standard Chartered or MANHATTAN principal credit card now, and none cancelled in the 6 months before approval. You need an annual income of HK$96,000 or more and an existing Cathay membership.
- Tap Claim on this page. Standard Chartered's referral page opens with referral code A3872270 attached; apply for the card from there. The referral record cannot be changed after you submit.
- Choose the standard welcome offer, not the FanFest gift-card option, if you want the 10,000 referral miles.
- Once the card is issued (by 31 March 2027 for the referral miles), spend only what you had planned to: HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months unlocks each welcome tier.
- Referral miles are credited by 30 June 2027; welcome miles within 5 months of card issue.
Eligibility & requirements
- New cardholders get 10,000 referral miles; existing Standard Chartered cardholders get 5,000. A new cardholder holds no Standard Chartered or MANHATTAN principal card and cancelled none in the 6 months before approval.
- The referral miles need no spend; the card must be issued by 31 March 2027 for applications from 1 October 2026.
- Welcome offer for applications from 21 September 2026 to 17 January 2027, card issued by 30 April 2027. Standard card: 10,000 / 20,000 / 40,000 miles for HK$5,000 / HK$40,000 / HK$110,000 of spend in 2 months. Priority Banking version: 10,000 / 30,000 / 100,000. Priority Private version: 10,000 / 40,000 / 120,000.
- Welcome miles include the card's basic miles earn rather than adding to it.
- Annual fee: HK$2,000 on the standard card, waived in the first year; HK$4,000 on the Priority Banking version (waived with a HK$1 million balance) and HK$8,000 on the Priority Private version (waived with HK$8 million).
- The referral miles stack only with the standard welcome offer, not with the FanFest gift-card option. Cancelling the card within 12 months can lead to a charge-back.
- Standard Chartered's referral terms also list an extra 3,000 miles until 1 January 2027, but the terms shown on the referral page say it ended on 30 September 2026; treat it as unconfirmed.
- Credit card spending is borrowing: interest and fees apply if you do not repay in full. 借定唔借？還得到先好借！
Verification notes
- Minimum spend/deposit
- No spend for the 10,000 referral miles; welcome miles need HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months
- Last verified
- 9 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- 10,000 referral miles with no spend requirement
- Welcome miles start from HK$5,000 of spend
- First-year annual fee waived on the standard card
Watch out for
- 120,000 miles needs the Priority Private card and HK$110,000 of spend in 2 months
- HK$2,000 annual fee from the second year on the standard card
- Referral miles are not credited until 30 June 2027
- Anyone who held or cancelled an SC principal card in the past 6 months misses the new-cardholder bonus
FAQ
- Do I really get 10,000 miles without spending?
- Yes, as a new cardholder. Standard Chartered's referral terms give 10,000 miles once the card is issued by 31 March 2027, with no spend requirement, credited by 30 June 2027. Existing cardholders get 5,000.
- Can I get 120,000 welcome miles on the standard card?
- No. The standard card tops out at 40,000 welcome miles for HK$110,000 of spend in 2 months. 120,000 is the Priority Private version, and 100,000 the Priority Banking version.
- What is the annual fee?
- HK$2,000 on the standard card, waived in the first year. The Priority Banking and Priority Private versions cost HK$4,000 and HK$8,000, waived if you keep the relationship balance those tiers require.
Related offers
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Open a Mox account with referral code E6BZQ2 during Mox Referral Programme 25 (14 September – 31 October 2026). The referee gets HK$200 cash after opening with the code, getting Mox Credit approved within 30 days of opening and making one eligible card spend within 30 days of approval. The same terms add up to HK$2,000 more: HK$1,000 for at least HK$2,000 of Mox Credit card spend within 30 days of approval, HK$500 for moving at least HK$50,000 into HKD savings within 7 days of opening and holding it for 30 days, and HK$500 for activating Mox Invest within 14 days and trading at least HK$50,000 within 30 days. The terms define a referee as someone who has never held a Mox account in their name, and places are limited. Credit involves repayment risk — 借定唔借？還得到先好借！ Investment involves risk. This is not credit or investment advice.
Requirement: HK$200: Mox Credit approval within 30 days of opening plus one eligible card spend within 30 days of approval. Extra rewards: HK$2,000 card spend (HK$1,000), HK$50,000 held for 30 days (HK$500), HK$50,000 traded via Mox Invest (HK$500)
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Apply for a Standard Chartered Hong Kong debt consolidation loan (結餘轉戶計劃) through this referral link, which attaches referral code A3872270. Standard Chartered's referral terms list a HK$1,000 cash rebate for a referred borrower who borrows at least HK$200,000 over 36 months or more and draws the loan within 3 months, but the loan section still carries out-of-date drawdown dates, so confirm the rebate with the bank before applying. APR ranges from 4.67% to 36%. Only borrow to clear debt you can repay: 借定唔借？還得到先好借！
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Apply for the American Express Explorer® Credit Card (Hong Kong) through this referral. Amex Hong Kong's current welcome offer gives new Cardmembers who apply by 31 October 2026 up to 26,000 welcome miles when they spend HK$30,000 within the first 3 months of Card approval, and applicants who come through a referral can earn an extra 6,000 bonus miles. The first-year annual fee of HK$2,200 is waived; after that Amex says it can be waived with HK$150,000 annual spend. Credit card spending is borrowing — only spend what you can repay in full. Live Amex Hong Kong terms control.
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Added 9 October 2026 · Last updated 9 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.