Standard Chartered Beyond Credit Card
Best for affluent Priority Banking clients. 5 points per Rs 150 (3.33%); 3 points per Rs 150 on utilities/supermarkets/insurance (2%); 1 point = Rs 1 via 360 Rewards
Terms as of 2026-09-28 · Checked 28 September 2026Standard Chartered Beyond Credit Card at a glance
Who it suits: Affluent Priority Banking clients
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5 points per Rs 150 (3.33%); 3 points per Rs 150 on utilities/supermarkets/insurance (2%); 1 point = Rs 1 via 360 Rewards |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹3,996 | -₹25,504 |
| ₹3,00,000 / year | ₹9,990 | -₹19,510 |
| ₹6,00,000 / year | ₹19,980 | -₹9,520 |
| ₹12,00,000 / year | ₹39,960 | ₹10,460 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited domestic lounge visits + 4 guest visits/year; international via Priority Pass |
| Fuel surcharge | 1% waiver, max Rs 5,000/month |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹15,000 + GST |
| Annual / renewal fee | ₹25,000 + GST |
| Fee waiver | Annual fee waived with Rs 50 lakh+ Funds Under Management for 2 consecutive months |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Invite-only for Priority Banking customers; age 18-70 |
| Age | 18/21-65 (card-specific) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| Kotak Solitaire | Kotak Mahindra Bank | Free / ₹25,000 | 3.00% base value | Affluent Kotak Solitaire customers who travel abroad (zero forex) |
Frequently asked questions
What is the annual fee of the Standard Chartered Beyond Credit Card?
Joining fee ₹15,000 and annual fee ₹25,000 (plus 18% GST). Annual fee waived with Rs 50 lakh+ Funds Under Management for 2 consecutive months.
What rewards does it offer?
5 points per Rs 150 (3.33%); 3 points per Rs 150 on utilities/supermarkets/insurance (2%); 1 point = Rs 1 via 360 Rewards
Does it give airport lounge access?
Unlimited domestic lounge visits + 4 guest visits/year; international via Priority Pass
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
Invite-only for Priority Banking customers; age 18-70. A CIBIL score of 750+ improves approval chances.
Is the Standard Chartered Beyond Credit Card good for me?
Best for: Affluent Priority Banking clients. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Standard Chartered’s website before applying. FinancePortal is not affiliated with the issuer.