Standard Chartered Beyond Credit Card Review
Author And Publisher: Gyro 3.oStandard Chartered Beyond Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.
Standard Chartered Beyond Credit Card Review: Premium Rewards, Unlimited Travel Privileges, and International Spending Power
introduction
The Standard Chartered Beyond Credit Card is a premium, Priority Banking–exclusive card that combines generous rewards of up to 3.3% on everyday and essential spends with powerful travel and lifestyle benefits, including unlimited domestic and international lounge access, 15% cashback on duty-free purchases, low 2% forex markup, complimentary monthly golf games or lessons, 25% off dining via EazyDiner, and Buy 1 Get 1 free offers on movies and events through BookMyShow, backed by substantial welcome vouchers from leading brands like Taj, MakeMyTrip, and Luxe Gift Cards for high-engagement customers.
key features and benefits
Welcome Benefits
Welcome gift vouchers from Taj Hotels, MakeMyTrip, or Luxe Gift Cards upon joining fee payment.
Reward Structure
- Earn up to 3.3% rewards on your everyday spends.
- Enjoy 2%* rewards even on essential categories like Government payments, Utilities and Insurance.
golf Benefit
2 complimentary golf games/lessons every month at premium golf courses.
Airport Lounge Access
- Unlimited domestic and international lounge access on your Beyond Credit Card along with 8 guest visits* every year.
Movie & Dining Benefits
- Buy 1 Get 1 free on movie and event tickets bookings via BookMyShow.
- 25% instant discount on dining via EazyDiner with your Beyond Credit Card.
international perks
- upto 15% cashback on duty-free stores across the world.
- exclusive international benefits with a low 2% forex markup on all foreign currency transactions.
premium VISA offers
- ITC Hotels: Stay for 2 nights, enjoy flat 50% on 2nd night or Stay for 3 nights, Pay for 2 nights.
- Elivaas Luxury Villas: Stay for 2 nights, enjoy flat 50% on 2nd night or Stay for 3 nights, Pay for 2 nights.
- VISA Luxury Hotel Collection (Global): VIP Guest status, Automatic room upgrade upon arrival (when available).
- Dine with Visa: Reservation portal to avail special curated menu experience across top restaurants in key Indian cities.
Beyond Benefits
Extend the credit card benefits to up to 2 family members. Spread the joy with them!
Use contactless credit card & enjoy complete freedom cash transaction with faster checkouts & secure payments.
Enjoy enhanced security for online transactions on your credit card through 3D secure OTP Verification.
Avail wide range of instant payment solutions like BharatQR, Bharat Bill Payment Solution (BBPS) & Samsung Secure Pay.
With Kuch bhi on EMI option, convert your big spends above ₹ 2,000 to easy EMI through online banking or SC Mobile. Get attractive pricing & flexible tenure options.
Get loan up to ₹ 5,00,000 on your credit card with flexible tenure from 12 to 60 months.
Transfer card balance from other bank credit cards up to ₹ 5,00,000 at attractive interest rate.
Card Essential
| Type | rewards card |
| Welcome Benefits | gift vouchers |
| Joining Fee | ₹15,000 + GST |
| Annual Fee | ₹25,000 + GST |
| Reward Structure | rewards on SPENDS |
| annual fee waiver | *To be waive off basis FUM qualification |
| Interest Rate | 3.75% per month (i.e., 45% per annum) |
| Forex Mark-up | 2% + TAXS |
| Cash Advance Charges | 3% of withdrawal amount or ₹300 Whichever is higher |
| Over Limit Charges | 2.5% of overlimit amount, minimum of ₹550 |
| Wallet Transactions Charges | ---- |
| Rental Transactions Charges | 1% + GST |
| Utility Transactions Charges | ---- |
| Education Fee Payment Charges | ---- |
| Railway Ticket Purchase Fee | ---- |
| Fuel Surcharge Waiver | 1% |
Rewards and Benefits Analysis
- Best For: High-Spending individuals & International Travelers
The Beyond card truly sparkles for affluent professionals who travel internationally, spend on travel-related services, and leverage the card for both earning and experience optimization.
- real world value example - for about ₹18 lakh annual spend on a premium card, you can expect roughly ₹60,000–₹65,000 in value from rewards and perks, and about ₹35,000–₹40,000 net after a ₹25,000 fee, assuming you actually use lounges, golf, and dining/movie offers.
Practical Considerations
Fees & Charges Summary:
- joining fee: ₹15,000 ; annual fee: ₹25,000.
- forex markup - 2%.
- interest - 3.75% per month (45% p.a).
- Age limit: 18-70 years.
- FUM(funds under management) qualified: INR 50 lakhs+ in savings, deposits, investments, insurance premiums, or demat holdings with the bank.
- Must reside in bank’s credit card sourcing cities/locations; applications are subject to credit and other policy checks.
- Documents: Complete KYC/VKYC or submit PAN, one photo identity proof (Passport/Voter ID/Govt ID, etc.), one address proof (Aadhaar/Passport/Driving License/Voter ID), and one recent passport-sized photograph.
Redemption Options
Standard Chartered R360 Rewards Portal
Platform: Redeem via SC's dedicated R360 website or mobile app after logging into your account.
Redemption Options: Statement credit (direct account crediting), E-gift vouchers from 500+ partner brands, Travel bookings (flights, hotels, trains, packages), Merchandise and lifestyle products, Airline loyalty program conversions
Conversion Ratio: 1 Reward Point = ₹1 (fixed across all redemption categories).
Accumulate 5,000+ Points: Batch redemptions to maximize value rather than small, frequent claims.
Prioritize Travel Redemptions: Direct flights/hotels via R360 platform offer better value than statement credit on luxury bookings.
Monitor Expiry: Set calendar reminders for 3-year expiry dates; don't let rewards lapse.
Combine with Duty-Free: If international travel booked, layer duty-free cashback (₹1,500/cycle) with lounge shopping for cumulative savings.
Ideal User Profile
- Affluent professionals earning ₹50 lakh+ annually, including executives, entrepreneurs, and senior managers.
- Frequent international travelers spending ₹10 lakh+ a year, benefitting from 2% forex savings and Priority Pass lounges.
- Luxury lifestyle seekers who value golf, fine dining, and exclusive movies/events with ₹20 lakh+ annual spends.
- Strong Standard Chartered relationship holders maintaining ₹50 lakh+ FUM for annual fee waivers.
Final Thoughts
Strengths:
- Unlimited domestic and international lounge access for frequent travelers.
- Low 2% forex markup gives strong savings on overseas spends.
- 5 reward points per ₹150 on general spends offer high returns.
- Golf, movie BOGO, and dining privileges enhance everyday lifestyle.
- Clear ₹50 lakh FUM-linked waiver helps offset the high annual fee.
- 15% duty-free cashback per cycle rewards regular airport shoppers.
- EMI and balance transfer options improve payment flexibility.
- ₹25,000 joining and renewal fee suits only very heavy or FUM-based users.
- No reward points on fuel, only a basic surcharge waiver benefit.
- 1% + GST charge on rent, utilities, education, and high fuel adds extra cost.
- Reward points expire in 3 years, needing active and timely redemption.
- Lower 3-point earn rate on essentials reduces value on key household bills.
- No air miles conversion or rich travel insurance like ultra-premium rivals.
- High credit limit requirement around ₹5 lakh makes approval harder for many.
This review offers a clear and balanced overview of The Standard Chartered Beyond Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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