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Credit Cards · India

Standard Chartered Beyond Credit Card

Updated 5 Jul 2026Source-linked

The Standard Chartered Beyond Credit Card is a super premium credit card from Standard Chartered Bank, with a joining fee of ₹10,000 + GST.

It earns up to 2 pts per ₹100 (≈1.8% value) on select utilities spends in the form of 360 reward points (points).

Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus welcome reward points worth ₹60,000 as a welcome benefit.

Standard Chartered Bank logo
Standard Chartered Beyond Credit Card
Visa logo
  • Joining Fee₹10,000
  • Annual Fee₹10,000
  • Best Suited ForDining
  • Reward Type360 Reward Points (points)
Rewards Rate
  • 2 pts per ₹100 on select utilities
  • Base 2.70% on other spends
Welcome Benefits
  • Welcome Reward Points worth ₹60,000
Data verified 5 Jul 2026 — see our methodology
Standard Chartered Bank logoSCBVisa logoinfinitesuper premium
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on select utilities
Base 2.70% on other spends.
Reward Redemption
360 Rewards: Redeem at ₹1 per unit.
Welcome Benefits
Welcome Reward Points worth ₹60,000
Milestone Rewards
  • ₹20,00,000 / annual: Reward Points worth ₹40,000 on ₹20 lakh annual spend
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
Up to 25% off via EazyDiner
Golf
6 round(s) / annual · 6 lesson(s).
Insurance Benefits
N/A
Other Benefits
  • Duty-free cashback — 15% cashback on duty-free stores across the world.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Utilities & bills₹90/mo

    You spend ₹5,000 · earns 1.8% = ₹90 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 2.7% = ₹405/mo
  • Groceries₹8,000 · 2.7% = ₹216/mo
  • Dining & food delivery₹8,000 · 2.7% = ₹216/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 2.7% = ₹270/mo
Est.net rewards for this spend, realistic
₹4,364/yr

₹14,364 rewards − ₹10,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹10,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • super premium card issued by Standard Chartered Bank.
  • Joining / annual fee of ₹10,000 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).

Pros & Cons

Pros
  • Strong base reward rate of 2.70%.
  • Low forex markup of 2.00% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • High annual fee of ₹10,000.
  • No annual-fee waiver option.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹60,000 welcome benefit

  • Welcome Reward Points worth ₹60,000
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 2 pts per ₹100 on select utilities
    2% rewards on select categories (e.g. utilities); 3% unlimited rewards on everyday spends (base).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹20,00,000 / annual: Reward Points worth ₹40,000 on ₹20 lakh annual spend (≈ ₹40,000 value)

Airport lounge access

Domestic
Unlimited visit(s) / annual. Via visa, priority-pass. Guests: 4.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: 4.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹10,000.

Other benefits

  • Duty-free cashback. 15% cashback on duty-free stores across the world.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
750+
Income (salaried)
₹30,00,000 p.a.
Income (self-employed)
₹30,00,000 p.a.
Tagssuper premiumpointsloungegolfdiningconcierge