Standard Chartered Beyond Credit Card

Standard Chartered has launched its most premium offering yet, the Beyond Credit Card. The card comes with a joining fee of ₹15,000 + GST and offers welcome benefits of comparable value. It is best suited for customers who already have a strong banking relationship with Standard Chartered, which is evident from its fee structure. From the second year onwards, the card carries an annual fee of ₹25,000 + GST, which applies only if the cardholder does not meet the required Funds Under Management (FUM) criteria.

From Buy One Get One movie offers and unlimited airport lounge access to dining discounts and other lifestyle privileges, the Beyond Credit Card delivers a well-rounded set of premium benefits designed for high-value customers.

This card shall be available on Visa Infinite.

Product Details

• 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.

Vouchers Worth ₹15,000 As Welcome Benefits

The primary cardholder is eligible to receive welcome vouchers worth ₹15,000 from popular brands such as Taj, Luxe, and MakeMyTrip upon payment of the joining fee. The voucher code and redemption link will be shared via SMS or email within 60 days of meeting the qualifying criteria.

Reward Earning

• Earn 5 Reward Points/₹150 for all eligible spends.
• Cardholders shall earn 3 Reward Points/₹150 for spending on utility payments, supermarkets, insurance, property management, schools, and government payments.
• Reward Points shall be valid for a period of three years.

1 Reward Point = ₹1

Unlimited Airport Lounge Access

Enjoy seamless lounge access worldwide with unlimited domestic and international airport lounge visits, along with 8 complimentary guest visits every year with the Beyond Credit Card.

Golf Benefits

The Beyond Credit Card offers access to over 40 premium golf courses across India, facilitated through the third-party service provider Thriwe. Cardholders are entitled to two complimentary golf games every month, making this a valuable benefit for golf enthusiasts.

To avail the benefit, bookings must be made through the Standard Chartered Privileges platform. Cardholders are required to submit a booking request by filling in the designated form and selecting their preferred date and time slot, subject to availability.

25% Up to ₹2,500 on EazyDiner

Get an instant 25% discount up to ₹2,500 with no minimum transaction value. Each cardholder is eligible for one transaction per month under this offer.

Fuel Surcharge Waiver

Cardholders are eligible for a 1% fuel surcharge waiver, capped at ₹5,000 per year.

Waiver of Renewal Charges

The Beyond Cardholder is eligible for a waiver of the annual fee, provided the FUM qualification criteria are met at an individual client level during the last three months prior to the annual fee levy.

Eligibility for Premium Beyond Credit Card

To be eligible for the Beyond Credit Card, applicants must be between 18 and 70 years of age. In addition, they should meet the bank’s Funds Under Management (FUM) requirement of ₹50 lakh or more. This FUM can include one or a combination of balances such as savings account funds, term deposits, investments made through the bank, life insurance premiums paid for active policies, or the market value of demat holdings maintained with Standard Chartered Bank.

Applicants must also be based in cities or locations where the bank actively sources credit card applications.

Bottom Line

The Standard Chartered Beyond Credit Card is a premium offering designed for high-net-worth individuals who travel frequently and prefer lifestyle-focused benefits. With unlimited domestic and international lounge access, guest visits, strong reward earning, dining discounts, golf privileges, and Buy One Get One movie offers, the card delivers a well-rounded premium experience. The welcome vouchers worth ₹15,000 help offset the joining fee, making the first year reasonably rewarding.

However, this card makes the most sense for customers who already maintain a strong banking relationship with Standard Chartered and can meet the ₹50 lakh FUM requirement to avoid the high annual fee from the second year onwards.