Travel on Points

Standard Chartered Beyond Credit Card

  • Joining fee

    ₹15,000 +GST

  • Annual fee

    ₹25,000 +GST (Waiver Based on FUM Qualification)

  • Best suited for

    Travel, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    5 Reward Points/₹150 Spent at All Eligible Spend Categories (3.33%)

  • Welcome benefits

    ₹15,000 Vouchers from Taj, Luxe, or MakeMyTrip

  • Reward redemption

    1 Reward Point = ₹1

Benefits

  • Movie & dining

    BOGO on Movie Ticket Bookings. Up to 25% Off on EazyDiner

  • Travel

    Up to 8 Airport Lounge Visits for Guests

  • Domestic lounge

    Unlimited Airport Lounge Access

  • International lounge

    Unlimited International Airport Lounge Access

  • Golf

    2 Complimentary Golf Games/Lesson Each Month

Fees & charges

  • Spend-based waiver

    Annual Fee Waiver on Meeting FUM Qualifications

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    2%

  • Interest rates

    3.75 – Monthly | 45% – Yearly

  • Fuel surcharge waiver

    1% Fuel Transaction Waiver

  • Cash advance charges

    3% Subject to a Minimum of ₹300

Product highlights

  • This is a premium credit card.
  • Cardholders can access domestic and international airport lounges with this card.
  • On payment of joining charges, the cardholder shall get ₹15,000 worth of vouchers from popular brands.
  • Cardholders are eligible for a waiver of the 1% fuel surcharge, limited to a maximum of ₹5,000 per year.

Pros & cons

Pros

  • This card offers a decent reward rate of 3.33% for the majority of spend categories.

Cons

  • For such a premium card, with high charges, the Forex markup charge should have been even lower than 2%.

FAQs

Does the Standard Chartered Beyond Credit Card offer rewards on utility payments?

Utility payments, along with several other categories, shall be eligible for 3 Reward Points/₹150.

What is the Forex markup charge of the Beyond Credit Card?

All cardholders who make international transactions with this card shall be charged 2% Forex markup charge.

How can I use my Beyond Credit Card for domestic airport lounge access?

Simply present your Beyond Credit Card at the lounge reception to access domestic lounges in India. A small charge of ₹2 will be debited to your card for authentication purposes.