Standard Chartered Bank has officially launched the Beyond Credit Card in India, marking its return to the premium credit card segment. Previously available in international markets like Singapore, the Beyond Credit Card is designed for affluent and high-net-worth customers looking for premium travel, lifestyle, and everyday spending benefits.
The card offers rewards of up to 3.3%, along with 2% rewards on essential spends such as insurance, utilities, and government payments — a category many premium cards avoid. Combined with unlimited airport lounge access, guest visits, and curated luxury benefits, the Beyond Credit Card positions itself as a strong competitor in the premium space.
Standard Chartered Beyond Credit Card Fees
- Joining Fee: ₹15,000 + GST
- Annual Fee: ₹25,000 + GST
- Annual Fee Waiver: Based on Funds Under Management (FUM) eligibility
Key Features of Standard Chartered Beyond Credit Card
Welcome Benefits
- ₹15,000 worth of welcome vouchers on joining
- Choice of Taj Experiences, MakeMyTrip vouchers, or Luxe Gift Cards
Reward Points & Spending Benefits
- Earn rewards worth up to ₹60,000 on annual spends of ₹20 lakh
- Reward rate of up to 3.3% on routine spends
- Flat 2% rewards on essential categories like insurance, utilities, and government payments
Travel & Lounge Benefits
- Unlimited domestic and international airport lounge access
- 8 complimentary guest lounge visits every year
- Low 2% forex markup on international transactions
- 15% cashback at duty-free stores worldwide
Golf, Movies & Dining
- 2 complimentary golf games or lessons every month
- Buy 1 Get 1 Free movie and event tickets on BookMyShow (up to ₹1,000 per month)
- 25% discount on dining via EazyDiner (up to ₹2,500 per booking)
Fuel Benefits
- Fuel surcharge waiver worth ₹1,200 annually, assuming monthly fuel spends of ₹10,000
Eligibility Criteria for SC Beyond Credit Card
To apply for the Standard Chartered Beyond Credit Card, applicants must:
- Be between 18 and 70 years of age
- Maintain Funds Under Management (FUM) of ₹50 lakh or more with Standard Chartered
FUM may include:
- Savings and current account balances
- Fixed deposits
- Investments through the bank
- Paid-up life insurance premiums
- Market value of demat holdings with Standard Chartered
Applicants must also reside in a city where Standard Chartered issues credit cards, and all applications are subject to standard credit checks.
Bottom Line
The Standard Chartered Beyond Credit Card delivers a well-rounded premium experience with strong rewards, luxury lifestyle benefits, and excellent travel perks. The inclusion of rewards on insurance, utilities, and government payments is a standout feature that adds real value for high spenders.
While the ₹50 lakh FUM requirement makes it inaccessible for many users, the card is clearly targeted at customers already in a premium banking relationship with Standard Chartered. Overall, it’s a solid re-entry into India’s premium credit card market and is expected to be offered on the Visa Infinite platform.