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Standard Chartered X Credit Card: How You Can (Wisely) Spend $6,000 In 60 Days To Earn Your 100,000 Bonus Miles

It’s not difficult to spend $6,000 over 60 days to earn 100,000 in bonus miles – if you plan your high-ticket item purchases. Here’s how.


If you didn’t already know, Standard Chartered was offering a 100,000 sign up bonus for its Standard Chartered Visa Infinite X Metal Credit Card last month. This has since been revised to (a still awesome) 60,000 miles for application from 1 August 2019 onwards.

In order to receive the 100,000 (or 60,000) bonus miles, you will need to 1) pay the card annual fee of $695.50 and 2) spend a minimum of S$6,000 within 60 days of card approval date.

If you are reading this article, we are going to assume that the bonus miles is probably the only reason why you applied for the Standard Chartered Visa Infinite X Metal Credit Card in the first place.

But just because you need to achieve a minimum spending of $6,000 doesn’t mean you should just spend frivolously. In this article, we will list down some of the items that you can consider paying for which would can help you accumulate the $6,000 that you need to get the bonus miles.

What Doesn’t Qualify As Eligible Spending?

Before we think about what are some wise ways that we can use our credit cards for, let’s first note down what are some types of spending which are not going to be considered as eligible spend.

The list below is taken from the terms & conditions found on Standard Chartered Bank.

– Insurance premiums
– Bill payments (e.g. telcos, utility bills)
– Payment via AXS
– Payment via SAM
– Bill payment made using SC EasyBill programme
– Payment to government agencies (e.g. LTA, HDB, PUB, IRAS, ICA, MOM, Educational Institution)
– Income tax payment
– Tax refunds
– Ez-Link card, Transit Link transactions,
– CardUp, ipaymy, RentHero
– Any top-ups or payment of funds to any prepaid cards (with exception of EZ-Reload charged to your X Card) and any prepaid accounts, payment platforms, digital wallets including but not limited to Grab, Singtel, Dash, WorldRemit Singapore, YouTrip or any other accounts as the Bank may specific from time to time, including without limitation to the following accounts or any other accounts as we may specific from time to time;

Source: Standard Chartered Bank

The bottom-line here is that if you try to be clever and achieve the minimum $6,000 spend, using a combination of bill payments, top-ups to your e-wallet or to pay your income tax using a credit card, you will find yourself in for a major disappointment.

With that said, here are some items that you can consider spending on.

# 1 Overseas Travel Accommodations

With the 100,000 bonus miles, it’s fair to assume that you intend to redeem the miles you receive for some upcoming overseas holidays. With your flights settled, you can now proceed to make the hotel booking to your preferred destinations, and accumulate some spending on your credit card along the way.

Do note of course that you haven’t actually received the miles yet. So to make this work, you will need to have some miles currently in your KrisFlyer account that you can use to redeem for the flights that you want, and to make the reservations that you need.

If you are travelling with friends, consider being the person who books and pays for everyone accommodation first – using your Standard Chartered Visa Infinite X Metal Credit Card of course!

# 2 IT Gadgets That You Need

A laptop will set you back about $2,000 while a smartphone could cost you about $1,000. If you already intend to buy either or both of these items this year, now would be as good a time as any to make your purchase.

For example, instead of getting a subsidised phone plan and to pay less upfront for your smartphone, while paying higher monthly fee for your telco plan subsequently, consider buying your phone without using any phone subsidy and to get a SIM-only planinstead that would help you save money in the long-term.

# 3 Pay Upfront For Your Subscription/Membership Packages

If you have any subscriptions (sports channel, entertainment package) or membership packages (e.g. gym, spa) that you use regularly, consider opting to pay upfront for the rest of the year, and to get a discount for it. This would allow you to pay upfront for a service or a subscription that you are going to be using anyway for the rest of the year, helping you achieve the minimum spend you need to make for your credit card. Other items to consider could include things such as annual zoo membership passes.

Having said that, beware of the risk of prepayments. You should only consider paying upfront if this is 1) a vendor that you trust and 2) subscription or membership that you are already using regularly.

Read Also: Singapore Zoo: Single Pass VS Annual Pass And Family Package – Which Should You Get?

# 4 Wedding/Birthday Celebration/Function

If you are organising an upcoming event, for example a wedding or a birthday celebration, this would be an easy way to pay for items that you are going to spending on anyway. Between booking the venue, catering and gifts that you may purchase, you may easily find yourself spending more than a thousand dollar on your event. This could even extend out to events/functions that you are organising on behalf of your company.

# 5 A Large Stash Of Alcohol

If you just have a few hundred dollars left to spend and are not sure what else you should be buying, consider getting a few bottles of wine, champagne and spirits.

It may sound like an unorthodox choice but unless you are against drinking for health or religious reasons, chances are that you can find a use or two for some of these bottles of wines, champagnes and spirits. You can drink them during end-of-year gatherings, give them away as housewarming gifts or at gift exchange parties, re-sell them on Carousell or just keep it on your shelf if you can’t figure out what to do with them yet – since most alcohol especially spirits have a long shelf-life and do not lose their taste (or value) easily.

Spend Wisely And Not Needlessly

The bonus miles you can earn on the Standard Chartered Visa Infinite X Metal Credit Card can make spending on items you don’t need attractive. But as savvy consumers, we want to avoid making the mistake of being penny wise and pound foolish.

So, don’t end up spending on needless items that you don’t need just to achieve the minimum $6,000 spend within 60 days. Instead, make the effort to be spending on items that you would have needed to pay for anyway.

Read Also: Beginners Guide To Credit Card Air Miles In Singapore

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