Standard Chartered India Beyond Credit Card
Standard Chartered India
Annual / renewal fee
- First year fee ₹15,000.
- Renewal fee (2nd year onwards) ₹25,000.
- Supplementary cards do not attract any first year and renewal fee.
Verifiedharvested from product page3 Aug 2026, 4:15 PM ISTStandard Chartered India
Earn rate
- 5 reward points per ₹150 on transaction categories (except utilities, supermarkets, insurance, property management, schools & government payments).
- 3 reward points per ₹150 on Utility Payments, Supermarkets, Insurance, Property management, Schools & Government payments.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Beyond Credit Card by Standard Chartered India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹15,000 (Joining Fee).
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Annual / renewal fee
- First year fee ₹15,000.
- Renewal fee (2nd year onwards) ₹25,000.
- Supplementary cards do not attract any first year and renewal fee.
Verifiedharvested from product page3 Aug 2026, 4:15 PM ISTStandard Chartered India
Fee waiver
- Renewal Fee (2nd year onwards) waived subject to meeting FUM Qualification criteria at individual client level in the last 3 months prior to Annual Fee levy.
- Renewal fee reversal: Nil for FUM qualified, ₹25,000 for others.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Renewal fee
₹25,000 (Renewal Fee, 2nd year onwards).
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Rewards
- 5 reward points per ₹150 on transaction categories (except utilities, supermarkets, insurance, property management, schools & government payments).
- 3 reward points per ₹150 on Utility Payments, Supermarkets, Insurance, Property management, Schools & Government payments.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM IST
Redemption value
- Reward points redeemable via 360 Rewards portal (R360) against products, vouchers or services in the 360 Rewards catalogue [1 RP = ₹1].
- Rewards handling charge of ₹99 towards handling and courier charges for redemption of reward points.
- Reward points have a validity of 3 years from the day earned.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Reward cap
- All reward points are capped at card level.
- Primary and supplementary cardholders receive and redeem the maximum reward points amount individually and cannot consolidate points earned individually on primary and supplementary cards during redemption.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Reward exclusion
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Travel & lounge
Lounge access
- Domestic & International lounges within India (Visa Lounge program): Unlimited lounge access for cardholder, plus 4 complimentary guest accesses per calendar year.
- Both primary and supplementary Eligible Cardholders get access individually.
- Nominal non-refundable swipe fee of ₹2 at entry.
- International (outside India) via Priority Pass: complimentary membership giving access to over 1700 international airports.
- Unlimited complimentary access for cardholder and up to 4 complimentary guest accesses per calendar year.
- Nominal fee of USD 1 for authentication reversed within 10 working days.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Travel benefit
Flight Delay - Indemnity based, amount payable per hour USD 10, deductible 12 hours, up to USD 200 (part of complimentary travel insurance cover).
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Joining benefit: vouchers worth ₹15,000 from Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea and Marks & Spencer, post realization of joining fee (available to primary cardholder who pays at least Minimum Payment Due by Payment Due Date).
- Threshold: payment of at least Minimum Payment Due after joining fee levy.
- Window not stated as a spend threshold on official source.
- Joining benefits credited within 60 days after realization of the joining fee.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Dining benefit
- EazyDiner benefit: 25% instant discount up to ₹2,500 on no minimum transaction value, valid once per card per month (coupon code SCB2500), on Takeaway or Dining-in via EazyDiner app, website and m-site using Beyond Credit Card.
- Offer live till the card is active.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Golf benefit
- Beyond Golf Programme: 2 complimentary golf games a month, access to over 40 premium golf courses in India (powered by Thriwe).
- Nominal charge of ₹2 for authentication reversed within 10 working days.
- Domestic bookings must be made at least 4 days and at most 15 days in advance.
- Cancellations at least 3 days prior to play.
- Benefit retracted for minimum 1 year if client downgraded from FUM Qualification.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Insurance
- Complimentary insurance (HDFC Ergo, Policy No. 2999206693039301000): Accidental death (Air) ₹1,00,00,000.
- Checked baggage loss USD 500.
- Baggage delay USD 100 (per 6 hours USD 10, deductible 12 hours).
- Loss of baggage & personal documents USD 750.
- Hijacking USD 100 (per 6 hours USD 75).
- Flight delay USD 200 (per hour USD 10, deductible 12 hours).
- Emergency Medical Expenses USD 25,000 (deductible USD 100).
- Lost or Stolen Card Cover ₹25,000.
- Card forgotten at ATM cover and Theft of Funds due to unauthorized digital access cover (covered within Lost or Stolen Card Cover).
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Milestone benefit
- BookMyShow Buy 1 Get 1 offer: on purchasing minimum 2 movie/non-movie tickets each using the Beyond Credit Card on BookMyShow (App/Website), maximum discount up to ₹1,000.
- Valid once per card per month.
- Offer live till the card is active.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Statement credit
- Duty-free cashback: 15% cashback on duty free transactions, max cashback of ₹1,500 per statement cycle, credited within 2 days of transaction being posted.
- Only transactions where merchant is registered as duty-free vendor (MCC 5309) qualify.
- These transactions do not earn reward points.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Eligibility
Eligibility
- Offered to Priority and Private Banking clients based on FUM Qualification.
- FUM (Funds Under Management) Qualified: INR 50 Lakhs and above for at least 2 consecutive months.
- FUM includes Savings Account balances, Term Deposit balances, Investments made through the Bank, value of Demat held with the Bank, life insurance paid-up premium (except Term/Group Insurance), and Homesaver account funds.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Charges & interest
Forex markup
- 2% forex markup fee on all overseas transactions and non-INR transactions.
- The fee is levied on the amount settled on the card in INR and appears separately in the statement.
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Charge
- Late payment charges: ₹0 for outstanding <= ₹100.
- ₹100 for ₹101-500.
- ₹500 for ₹501-5,000.
- ₹700 for ₹5,001-10,000.
- ₹1,200 for > ₹10,000.
- Additional ₹100 if Minimum Amount Due not received for 2+ consecutive months (w.e.f. 1 May 2024).
- Cheque bounce charges: ₹500.
- Over limit charges: ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
- Card replacement fee: Nil.
- Rewards handling charges: ₹99.
- Cash advance fee (ATM withdrawals): 3% of cash withdrawal amount, minimum ₹300.
- Overseas transactions: 2% transaction fee (Beyond/Ultimate; other cards 3.5%).
- Merchants registered overseas even if located in India attract 1% from Visa/MasterCard.
- Fuel surcharge reversals: ₹10 or 1% of transaction (whichever higher) on fuel transactions (MCC 5172, 5541, 5542, 5983).
- Rental payments: 1% processing fee on transaction amount + applicable taxes (MCC 6513, w.e.f. 2 April 2023).
- Cheque/cash pick up fee: ₹100 for overdue accounts.
- Cash repayment fee: ₹299 for cash payment of credit card bills at branch.
- Paper statement fee: ₹99 per month if opting for both paper and electronic statement.
- Interest: 3.75% pm (APR 45%).
- Cash transactions 3.75% pm (APR 45%).
- Branch service handling charges/service requests at branch: ₹199.
- Self service IVR calls: FREE (charges applicable except Visa Infinite, Emirates World & Beyond).
- GST applicable over and above mentioned charges.
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Fuel surcharge waiver
- Fuel surcharge waiver: 1% waiver of the transaction amount on fuel transactions, max ₹5,000 per statement cycle, credited within 2 days of transaction posting.
- Applicable to fuel MCCs 5172, 5541, 5542, 5983.
- Fuel transactions earn no reward points.
- (Tariff of Charges states Fuel Surcharge Reversals: INR 10 or 1% of transaction, whichever is higher.).
VerifiedBeyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)3 Aug 2026, 4:15 PM ISTStandard Chartered India
Interest-free period
- Interest-free (grace) period: payment due date is between 18 and 25 days after the statement date, so the interest-free credit period ranges from 18-48 days to 25-55 days depending on payment due date.
- Does not apply to cash advances and revolving balances.
Verifiedharvested from product page3 Aug 2026, 4:15 PM ISTStandard Chartered India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Beyond Credit Card?
Officially traced: First year fee Rs. 15,000; Renewal fee (2nd year onwards) Rs. 25,000.
harvested from product pageWhat is the joining fee on the Beyond Credit Card?
Officially traced: Rs. 15,000 (Joining Fee).
Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)Is the Beyond Credit Card annual fee ever waived?
Renewal Fee (2nd year onwards) waived subject to meeting FUM Qualification criteria at individual client level in the last 3 months prior to Annual Fee levy.
Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)How does the Beyond Credit Card earn rewards?
5 reward points per Rs. 150 on transaction categories (except utilities, supermarkets, insurance, property management, schools & government payments).
Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)What lounge access does the Beyond Credit Card include?
Domestic & International lounges within India (Visa Lounge program): Unlimited lounge access for cardholder, plus 4 complimentary guest accesses per calendar year; both primary and supplementary Eligible Cardholders get access.
Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)What welcome benefit does the Beyond Credit Card offer?
Joining benefit: vouchers worth Rs. 15,000 from Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea and Marks & Spencer, post realization of joining fee (available to primary cardholder who pays at least Minimum Payment Due by Payment Due.
Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C)What are the transfer ratios for Beyond Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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