Standard Chartered Beyond Credit Card
Updated 3 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 (≈2.0% 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 Beyond Credit Card
- 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 3.00% on other spends
Welcome Benefits
- Welcome Reward Points worth ₹60,000
SCBinfinitesuper premiumRewards and Benefits
Rewards Rate
2 pts per ₹100 on select utilities
Base 3.00% 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.
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 3.00%.
- 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.
₹60,000 welcome benefit
- Welcome Reward Points worth ₹60,000Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 2 pts per ₹100 on select utilities2% 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
- : www.sc.bank.in · retrieved 3 Jul 2026
Last verified 3 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.