Standard Chartered Beyond Credit Card
Standard Chartered India · Open to apply
Standard Chartered's flagship card for Priority and Private Banking clients: 5 points per ₹150 worth ₹1 each, ₹15,000 of joining vouchers, unlimited domestic and international lounge access, 15% duty-free cashback and 2% forex. ₹15,000 joining fee; the ₹25,000 renewal fee is nil for funds-qualified clients.
- Annual fee
- ₹25,000 + GST a year
- Joining fee
- ₹15,000 + GST
- Base rate
- All other spends, 5 points per ₹150: 5 Reward points per ₹150 (about 3.33% at cash value)
- Lounges
- Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on fuel
- No points on ATM and cash transactions
Where the sources disagree
- Lounge visits: The page says unlimited lounge access with 8 guest visits a year and its savings table shows 8 domestic and 6 international visits a year (+ 4 guest visits); the T&C gives unlimited access for the cardholder and 4 guest visits a year in each of the domestic and Priority Pass programmes. We use the T&C.
Terms the calculator does not value
- The 15% duty-free cashback (₹1,500 a statement) has no duty-free category in the model.
- Lounge benefits and the golf programme can be withdrawn when the client loses the funds-qualified status.
Sources
- Standard Chartered Beyond Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Standard Chartered Beyond Credit Card Most Important Terms and Conditions (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Standard Chartered Beyond Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)