Standard Chartered Beyond Credit Card: Fees, Rewards & Benefits
Rewards card
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The Standard Chartered Beyond is an ultra-premium card with a flat ~3.3% reward rate, unlimited primary lounge access and rich travel/lifestyle perks. The INR 15,000 joining and INR 25,000 annual fees with no waiver mean only heavy, frequent travellers will extract full value.
Rewards card
The Bottom Line
The Beyond Credit Card is built for affluent frequent flyer and premium rewards maximiser. With a ₹25,000 annual fee, it offers a welcome benefit worth ₹15,000 and airport lounge access. It makes the most sense if your spending matches affluent frequent flyer and premium rewards maximiser.
It earns a base reward rate of 3.3333333333333335% and stacks best when your spending lines up with Affluent Frequent Flyer, Premium Rewards Maximiser.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHigh spenders who travel often and will use unlimited domestic and international lounge access plus monthly golf and dining benefits to outvalue the INR 25,000 annual fee.
Big-ticket spenders who want a flat ~3.3% return at full 1 INR per point value across most categories.
Probably not for
SkipAnyone whose spends cannot justify the INR 15,000 + INR 25,000 fees, especially with no fee waiver available.
Those whose spends concentrate in utilities, insurance, government and supermarkets, which earn only the reduced ~2%.
Is It Worth It For You?
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Reward Rates
Beyond Credit Card offers 3.3333333333333335% basic reward rate.
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Welcome Offer
Primary cardholder receives vouchers worth INR 15,000 from Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea and Marks & Spencer (choosable in INR 5,000 or INR 10,000 denominations per brand, multiple selections from the same brand allowed) after the joining fee is realized. Eligibility requires payment of at least the Minimum Amount Due by the due date on the statement where the joining fee was charged (not a spend threshold, so min_spend_required/spend_period_days are null); not applicable to add-on/supplementary cards. Voucher code delivered via SMS/email within 60 days of qualifying, vouchers issued within 3 working days of selection.
Fees & Charges
Eligibility
- Invite-only for Priority Banking customers with FUM of Rs 50 lakh or more; age 18-70 years.
Exclusions & Terms
Forex markup
- Foreign currency markup
Returned / Disputed / Unauthorized / Fraudulent Transactions
- Returned purchases, disputed or unauthorized/fraudulent transactions, and transactions not initiated by the cardholder do not earn Reward Points (T&C 4.2.2).
Finance Charges and Other Fees
- Finance charges and any other charges/fees levied on the account do not earn Reward Points (T&C 4.2.2).
Charged-back Transactions
- Charged-back transactions do not earn Reward Points (T&C 4.2.2).
ATM Transactions / Cash Advances
- ATM transactions/cash advances earn zero Reward Points (T&C 4.2.3) and attract a cash advance fee of 3% of the withdrawal amount (minimum INR 300, per the MID tariff of charges).
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹25,000 annual fee. Apply on the Standard Chartered website.
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