M16S / Standard Chartered / Standard Chartered Beyond Credit Card
super-premium · rewards, travel
Standard Chartered Beyond Credit Card
The Standard Chartered Beyond Credit Card costs Rs 25,000 a year. Its base return is 3.33% (5 RP per Rs 150). Accelerated earn: 15% cashback at duty-free stores. The forex markup is 2%. Lounge visits in India: Unlimited for the cardholder plus 4 guest visits per calendar year (T&C). Abroad: Unlimited via Priority Pass plus 4 guest visits per calendar year (T&C). Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 25,000+ GST
- Fee waived at
- —
- Base return
- 3.33%
- Forex markup
- 2%
- Interest
- 3.75%a month
What changed on this card
- Standard Chartered Beyond: zero forex markup till 31 Dec 2026
Standard Chartered has dropped the 2% forex markup on its Beyond credit card from 21 October to 31 December 2026, and doubled the monthly EazyDiner and BookMyShow offers for the same period.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 15,000 |
|---|---|
| Annual fee | Rs 25,000 |
| Fee notes | Rs 15,000 joining and Rs 25,000 from year 2. Annual fee waived if the client meets the funds-under-management qualification at individual level in the 3 months before the fee is levied. No spend-based waiver. Supplementary card free. |
Rewards
| Welcome benefit | Rs 15,000 of vouchers (Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, IKEA, Marks & Spencer) on payment of the joining fee; primary card only |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 150 |
| Base return | 3.33% |
| Point value | 1 RP = Rs 1 on the 360 Rewards catalogue |
| Accelerated earn | 15% cashback at duty-free stores |
| Caps | No numeric cap on points stated. Duty-free cashback capped at Rs 1,500 per statement cycle. |
| Spends that earn nothing | No points on fuel (MCC 5172, 5541, 5542, 5983), ATM/cash, fees and finance charges, or duty-free spends that earn cashback (MCC 5309). Reduced earn of 3 RP per Rs 150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments. |
| Points expiry | 3 years from the date earned |
| Milestone benefitsunverified | Reward points worth Rs 60,000 on annual spend of Rs 20 lakh (card page; not in the T&C) |
| Reward notes | base_return_pct = 5 RP per Rs 150 x Rs 1 = 3.33%, matching the page's 'up to 3.3%'. Reduced categories return 2%. Redemption is against the 360 Rewards catalogue, not cash; no airline or hotel transfer is mentioned. Primary and supplementary points cannot be pooled. |
Travel and perks
| Domestic lounge | Unlimited for the cardholder plus 4 guest visits per calendar year (T&C) |
|---|---|
| International lounge | Unlimited via Priority Pass plus 4 guest visits per calendar year (T&C) |
| Lounge conditionsunverified | Conflict on the issuer's own pages: the T&C and page body say unlimited, the page's savings table values 8 domestic and 6 international visits, and the page body says 8 guest visits against 4 + 4 in the T&C. Rs 2 swipe at domestic lounges; USD 1 Priority Pass authentication, reversed. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% waiver on fuel MCCs, capped at Rs 5,000 per statement cycle (T&C) |
| Other freebies | Golf: 2 complimentary games per month at 40+ courses via Thriwe (the page's savings table counts 6 a year). EazyDiner 25% off. BookMyShow buy-one-get-one. ITC Hotels: 50% off the second night or 3-for-2. Visa Luxury Hotel Collection status and upgrades. Dine with Visa. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On statement outstanding: nil up to Rs 100; Rs 100 for Rs 101-500; Rs 500 for Rs 501-5,000; Rs 700 for Rs 5,001-10,000; Rs 1,200 above Rs 10,000; plus Rs 100 if the minimum due is unpaid for 2+ consecutive months |
| Cash advance fee | 3% min Rs 300 |
| Eligibility | Priority and Private Banking clients with funds under management of Rs 50 lakh or more for at least 2 consecutive months |
| Fine-print notes | Card page and T&C read. Status set to invite-only in the same sense as the Priority Visa Infinite: relationship-gated to Priority/Private Banking, not a formal invitation. Network is not stated outright; Visa is inferred from the Visa lounge programme, Visa Luxury Hotel Collection and Dine with Visa benefits. The 2% forex markup is from the T&C; the tariff page names only Ultimate as an exception to 3.5%. Benefits can be withdrawn if the funds-under-management level is not kept. Conflict: the tariff page (slabs effective 1 May 2024) charges Rs 1,200 above Rs 10,000, while some product pages still show an older table (Rs 800 for Rs 10,001-25,000; Rs 1,200 above Rs 25,000). The tariff page figure is recorded. |
Questions
- What is the annual fee of the Standard Chartered Beyond Credit Card?
- Rs 25,000 a year, before GST.
- Does the Standard Chartered Beyond Credit Card give airport lounge access?
- Yes. In India: Unlimited for the cardholder plus 4 guest visits per calendar year (T&C). Outside India: Unlimited via Priority Pass plus 4 guest visits per calendar year (T&C). Conditions: Conflict on the issuer's own pages: the T&C and page body say unlimited, the page's savings table values 8 domestic and 6 international visits, and the page body says 8 guest visits against 4 + 4 in the T&C. Rs 2 swipe at domestic lounges; USD 1 Priority Pass authentication, reversed.
- What is the forex markup on the Standard Chartered Beyond Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Standard Chartered Beyond Credit Card?
- No points on fuel (MCC 5172, 5541, 5542, 5983), ATM/cash, fees and finance charges, or duty-free spends that earn cashback (MCC 5309). Reduced earn of 3 RP per Rs 150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments.