Standard Chartered Beyond Credit Card
Beyond is Standard Chartered's India flagship, and it cannot be applied for in the ordinary sense: SC issues it only to Priority Banking and Private Banking clients who hold ₹50,00,000 or more in Funds Under Management (FUM) with the bank. FUM counts savings balances, term deposits, investments made through SC, Demat value, life-to-date paid-up life insurance premium and Homesaver funds — assets parked, not income earned. The card itself earns 5 reward points per ₹150 (3.33%) on general spend and 3 per ₹150 (2%) on utilities, insurance, supermarkets, schools, property management and government payments, with points redeemed at a flat 1 RP = ₹1 through SC's 360° Rewards catalogue. It carries a 2% forex markup, unlimited lounge access at home and abroad, and 2 golf games a month. Fuel and ATM withdrawals earn nothing.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹15,000 in vouchers, points or cashback on card activation
3.33% on Other
5 reward points per ₹150 (1 RP = ₹1 in the 360° Rewards catalogue) = 3.33%. Fuel and ATM withdrawals earn no points; duty-free spend earns the 15% cashback instead of points. Points expire after 3 years.
2% on Utility Bills
3 reward points per ₹150 (2%) on SC's reduced-rate list — utility payments, insurance, property management, schools and government payments. Category is decided by the merchant's MCC, not by intent.
️ Airport Lounge Access
Unlimited domestic access via the Visa lounge programme plus unlimited Priority Pass abroad; 4 guest visits a year on each, so 8 in total. Withdrawn if FUM falls below ₹50 lakh.
Golf Privileges
2 complimentary golf games a month across 40+ premium Indian courses, booked through the SC Privileges platform. Retracted for at least a year if FUM qualification is lost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹5,000/month
Movie Ticket Benefit
Buy-1-Get-1 on BookMyShow movie and event tickets, minimum 2 tickets, discount capped at ₹1,000 and usable once per card per month.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 3.33% | — |
| Utility Bills | reward points | 2% | — |
| Groceries | reward points | 2% | — |
| Insurance | reward points | 2% | — |
| Education | reward points | 2% | — |
| Government & Tax | reward points | 2% | — |
| Rent | reward points | 2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹29,500 |
| Joining fee (incl. 18% GST) | ₹17,700 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 2% |
| Cash advance fee | 3% (min ₹300) |
| Add-on card fee | Free |
| Fuel surcharge waiver | 1%, cap ₹5,000 |
| Rent payment fee | 1% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹59,200/yr in total.
️ lounge access ~ ₹40,000 /yr
Unlimited domestic access via the Visa lounge programme plus unlimited Priority Pass abroad; 4 guest visits a year on each, so 8 in total. Withdrawn if FUM falls below ₹50 lakh.
golf ~ ₹12,000 /yr
2 complimentary golf games a month across 40+ premium Indian courses, booked through the SC Privileges platform. Retracted for at least a year if FUM qualification is lost.
movie ticket ~ ₹6,000 /yr
Buy-1-Get-1 on BookMyShow movie and event tickets, minimum 2 tickets, discount capped at ₹1,000 and usable once per card per month.
fuel waiver ~ ₹1,200 /yr
1% fuel surcharge waived (₹10 or 1%, whichever is higher, is the surcharge levied), capped at ₹5,000 per statement cycle. Fuel spend itself earns no reward points.
Should you get it?
Best for: Existing SC Priority or Private Banking clients already holding ₹50 lakh+ with the bank, Heavy international spenders who benefit from the 2% forex markup, Frequent flyers who want unlimited lounge access without spend gates, Golfers who will use 2 rounds a month
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Other ( 3.33% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 3.33% on general spend, matching the base rate of India's invitation-only flagships
- 2% forex markup — half what Standard Chartered charges on most of its other cards
- Unlimited domestic and international lounge access, plus 8 guest visits a year
- ₹15,000 in welcome vouchers (Taj, MakeMyTrip, Luxe, Fabindia, Ikea, Marks & Spencer) covers the joining fee exactly
- 2 golf games a month across 40+ premium Indian courses
- 25% off dining through EazyDiner (up to ₹2,500, once a month) alongside the BookMyShow buy-1-get-1
- 15% cashback at duty-free stores worldwide, capped at ₹1,500 per statement cycle
- Reward points redeem at a flat, published ₹1 each — no guessing what a point is worth
✕ Cons
- Cannot be applied for — issued only to SC Priority/Private Banking clients holding ₹50 lakh+ in Funds Under Management
- The ₹25,000 renewal fee waives on FUM qualification, never on spend, so heavy spending alone cannot earn the waiver
- Lounge, Priority Pass and golf are all withdrawable if FUM drops; Priority Pass and golf then stay retracted for a minimum of one year
- Fuel and ATM withdrawals earn no reward points at all
- Utilities, insurance, supermarkets, schools and government payments earn 2% — the same reduced rate the ₹5,000 Ultimate has paid on those categories since April 2023
- SC publishes no insurance cover on Beyond, while the ₹5,000 Ultimate carries ₹1 crore air-accident cover
- Points redeem only into the 360° Rewards catalogue at ₹1 each — no airline or hotel transfer partners, and a ₹99 handling charge per redemption
Eligibility
SC publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 360° Rewards catalogue — vouchers, products and services at a flat 1 reward point = ₹1
🎁 ₹99 handling and courier charge applies per reward redemption
🎁 No airline or hotel transfer partners
What your Standard Chartered Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Every headline benefit — unlimited lounges, Priority Pass, golf, the fee waiver — is contractually withdrawable the moment FUM drops below ₹50 lakh, and Priority Pass and golf then stay retracted for a minimum of one year.
The bottom line
The Standard Chartered Beyond Credit Card ranks among India's most straightforward super-premium products, combining an uncapped 3.33% general reward return with an attractive 2% foreign exchange markup and unlimited dual-cardholder Priority Pass lounge privileges. However, admission is strictly contingent on maintaining ₹50 lakh in relationship assets with Standard Chartered rather than meeting income or spending milestones. For qualified wealth management clients, it serves as an exceptional core card, but it remains entirely inaccessible to non-banking applicants.
Sources & verification
Fees, reward rates, and benefits for the Standard Chartered Beyond Credit Card are taken from Standard Chartered 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Standard Chartered . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 1 changes · last change Dec 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 1 change — 1 neutral
◆ Launch Effective Dec 2025
Beyond launched as SC India super-premium flagship
Not offered in India → Invite-only, FUM-gated flagship
Standard Chartered launched Beyond as its most premium India credit card, extending a product line already sold in markets such as Singapore. It is invite-only, issued to Priority and Private Banking clients who hold ₹50 lakh or more in Funds Under Management with the bank, and is not open to ordinary application. At launch it earned 5 reward points per ₹150 (about 3.33%) on general spend with points fixed at ₹1 each in the 360° Rewards catalogue, carried a 2% forex markup, and offered unlimited domestic and international lounge access plus two golf games a month. The joining fee is ₹15,000 and the ₹25,000 renewal fee waives on continued FUM qualification, not on spend.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
Source: Standard Chartered Beyond Credit Card value timeline — CardAdvisor
“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
HTML (with link) Plain text Copy
Source: Standard Chartered Beyond Credit Card value timeline , CardAdvisor (CC BY 4.0).
Find your best card
Answer 5 questions. Get a personalised shortlist with ₹ value estimates.
Find my card →
Quick summary
Type Super Premium credit card
Reward rate 3.33%
Best for Existing SC Priority or Private Banking clients already holding ₹50 lakh+ with the bank
Joining fee ₹15,000
Annual fee ₹25,000
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
How we research →
Useful links
Rewards calculator
Estimate any card’s annual value
Points valuations
What each point is really worth
Latest card changes
Live fee & reward-rate tracker
Market insights
The Indian card landscape
Card data study 2026
280 cards analysed — August 2026
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.