Skip to content
COFFERCards. Points. Value.
Standard Chartered India Beyond Credit Card
Standard Chartered India

Standard Chartered India Beyond Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹15,000 + GST

Annual fee

₹25,000 + GST

What it gives back

Earn up to 3.3% rewards on your everyday spends

Read from 3 Standard Chartered India documents, last checked 19 Oct 2026.

Apply on Standard Chartered India
How it compares

Compared with the cards we have read

₹25,000 annual fee: of the 273 other open cards whose annual fee we have read, 267 state a lower one, 1 states the same and 5 state a higher one.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

Fees

  • Joining fee

    ₹15,000 + GST

  • Annual fee

    ₹25,000 + GST

  • Fee waiver rule

    To be waive off basis FUM qualification.

  • Add-on card fee

    ₹0NIL

Welcome offer

  • Welcome benefit

    Welcome vouchers from Taj, MakeMyTrip, Luxe Gift Cards and many more top brands.

Rewards

  • Reward rate

    Earn up to 3.3% rewards on your everyday spends

  • Government spend earningInsurance spend earningUtilities earning

    2% rewards even on essential categories like Government payments, Utilities and Insurance.

  • Reward earning on international spends

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

Card benefits

  • Domestic lounge accessInternational lounge access

    Unlimited domestic and international lounge access on your Beyond Credit Card along with 8 guest visits every year.

  • Hotel or travel programme

    ITC Hotels: Stay for 2 nights, enjoy flat 50% on 2nd night; Stay for 3 nights, Pay for 2 nights.

  • Dining programme

    Indulge in exceptional dining with 25% off via EazyDiner.

  • Golf

    2 complimentary golf games/lessons every month at premium golf courses.

  • Movie or entertainment ticket benefit

    Buy 1 Get 1 free on movie and event tickets bookings via BookMyShow.

Also included

  • Surcharge on railway tickets

    ₹25 or 2.5% of transaction (whichever is higher) on Railway transactions; the rate of surcharge may vary depending on acquiring bank.

  • Purchase to EMI conversion

    Convert your big spends above ₹2,000 to easy EMI through online banking or SC Mobile.

Charges

  • Forex markup

    2% on foreign currency transactions.

  • Dynamic currency conversion markup

    1%1% charge from Visa/ MasterCard on transactions at merchant establishments that are registered overseas, even if the merchant is in India; included as a part of the transaction amount in your statement

  • Cash advance fee

    3% of cash withdrawal amount subject to a minimum of ₹300

  • Interest on unpaid balance

    Monthly interest rate of 3.75% pm is annualized to arrive at an APR of 45.00%.

  • Interest-free period

    18-48 days to 25-55 days depending on your Payment Due Date

  • Late payment fee

    ₹0 to ₹1,200 by statement balance (₹1,200 above ₹10,000)

  • Payment return or dishonour fee

    ₹500 will get debited towards cheque bounce charges.

  • Statement or duplicate statement fee

    ₹99/- per month for paper statement in case the customer opts for both, a paper statement and an electronic statement.

  • Cash payment / cash deposit fee

    ₹299 /- will be charged for making payment of credit card bills by depositing cash at any Standard Chartered Bank branch.

  • EMI conversion fee

    Zero processing fees to convert your entire outstanding (up to ₹5,00,000) in EMIs

  • Reward redemption fee

    ₹99 will be charged towards handling and courier charges for redemption of reward points.

  • Rent transaction fee

    1% processing fee on transaction amount + applicable taxes

  • GST note

    Goods and Services Tax (GST) at prevailing rates is applicable on all taxable supplies

  • Minimum amount due

    The minimum amount due every month shall be higher of the following (a) 5% of statement outstanding or (b) sum total of all installments billed, interest, fees, other charges, amount that is over limit and 1% of the principal or (c) ₹250.

Eligibility

  • Income requirement

    FUM (Funds Under Management) Qualified: ₹50 Lakhs and above.

  • Minimum age

    18-70 years

  • Documents required

    Address Proof (Any One of the following documents with current residence address): Aadhaar Card, Passport, Driving License, Election/Voter’s ID Card. 1 recent passport-sized Photograph.

In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    Interest free credit period will be lost on partial payment or not clearing the total amount due within the payment due date; interest may be levied from the date of transaction on the daily outstanding amount

How we know - 3 documents from Standard Chartered India, checked 19 Oct 2026

3 documents from Standard Chartered India, checked 19 Oct 2026.

  • Fees and charges page, 1 May 2024Proof
  • Card pageProof
  • Card terms and conditionsProof

On these lists

Apply on Standard Chartered India

₹25,000 a year

Apply