The Standard Chartered Beyond Credit Card is a premium Visa Infinite credit card launched in India in 2025. It's designed for high-net-worth individuals who maintain a strong banking relationship with Standard Chartered through their Priority Banking program.

• Card Network: Visa Infinite
• Target Audience: Priority Banking customers with FUM Rs. 50L+
• Primary Benefits: Unlimited lounge access, golf privileges, premium rewards, lifestyle perks
• Joining Fee: Rs. 15,000 + GST (offset by Rs. 15,000 welcome vouchers)
• Annual Fee: Rs. 25,000 + GST (waived for FUM-qualified customers)

The Beyond Credit Card excels in travel benefits, making it ideal for frequent flyers:

• Unlimited Airport Lounge Access: Enjoy unlimited visits to domestic and international airport lounges worldwide for both primary and supplementary cardholders
• Guest Visits: Bring your companions along with 8 complimentary guest visits per year
• Low Forex Markup: Save on international transactions with a competitive 2% foreign currency markup
• Duty-Free Cashback: Earn 15% cashback at duty-free stores worldwide
• Travel Insurance: Comprehensive coverage for delays, missed connections, baggage loss, and medical emergencies

Reward Program

Earn attractive reward points on all your spending through the Standard Chartered 360° Rewards program:

• Base Rate: 5 reward points per Rs. 150 spent (3.33% reward rate)
• Point Value: Each reward point is valued at Rs. 1
• Reduced Rate Categories: 3 points per Rs. 150 (2%) on utilities, insurance, supermarkets, government payments
• Validity: Reward points valid for 3 years
• Milestone Bonus: Earn Rs. 60,000 worth of reward points on annual spends of Rs. 20 lakh

Lifestyle Privileges

• Golf: 2 complimentary golf games every month at over 40 premium courses across India via Thriwe
• Dining: 25% instant discount up to Rs. 2,500 per month on EazyDiner bookings with no minimum spend
• Movies: Buy 1 Get 1 Free on BookMyShow tickets (free ticket capped at Rs. 1,000/month)
• Fuel Surcharge Waiver: 1% waiver capped at Rs. 5,000 per year
• EMI Conversion: Convert purchases up to Rs. 5 lakh into EMIs with zero processing fees

Upon payment of the Rs. 15,000 joining fee, you receive welcome vouchers worth Rs. 15,000 from premium brands:

• Taj Hotels: Luxury stay and dining vouchers
• Luxe: Premium lifestyle and shopping vouchers
• MakeMyTrip: Travel booking vouchers

The voucher code and redemption link are shared via SMS or email within 60 days of meeting the qualifying criteria, effectively making the first year free.

Milestone Rewards

• Annual Spending Milestone: Earn Rs. 60,000 worth of reward points when you spend Rs. 20 lakh in a year
• Annual Fee Waiver: The Rs. 25,000 annual fee from year 2 onwards is waived if you maintain FUM of Rs. 50 lakh or more during the last 3 months prior to the fee levy date

One of the standout features of the Beyond Credit Card is its exceptional airport lounge access program:

Unlimited Access

• Primary Cardholder: Unlimited domestic and international lounge access worldwide
• Supplementary Cardholders: Unlimited access for up to 2 supplementary cardholders
• Guest Visits: 8 complimentary guest visits per year across domestic and international lounges

How to Access

Simply present your Standard Chartered Beyond Credit Card at participating lounges worldwide. No advance booking required for cardholder access. For guest visits, terms and conditions apply based on lounge provider policies.

Coverage

Access to over 1,000 airport lounges worldwide through Visa's lounge network, covering major airports across India and international destinations.

The Beyond Credit Card is part of Standard Chartered's comprehensive 360° Rewards program, offering one of the most straightforward and valuable reward structures in the premium card segment.

Earning Rewards

• Base Rate: Earn 5 reward points for every Rs. 150 spent on most categories (3.33% reward rate)
• Reduced Rate: Earn 3 reward points per Rs. 150 (2%) on utilities, insurance, supermarkets, government payments, property management, and schools
• Point Value: Each reward point is valued at Rs. 1, providing excellent transparency
• Validity: Reward points are valid for 3 years from the date of earning

Redemption Options

• Merchandise: Redeem points at Re. 1 per point through the 360° Rewards catalogue
• Travel Bookings: Use points for flight and hotel bookings at Re. 1 per point value
• Gift Cards: Convert points to brand gift cards from popular retailers
• Zero Redemption Fee: Unlike many cards, Standard Chartered charges no fee for redeeming rewards

Excluded Categories

Reward points are not earned on fuel purchases, cash advances, EMI transactions, wallet loads, rent payments, and certain government transactions.

Note: All fees are subject to GST as applicable. Please refer to the Most Important Terms and Conditions (MITC) for complete fee details.

The Standard Chartered Beyond Credit Card is exclusively available to customers who meet specific financial criteria:

• Age: Between 18 and 70 years
• Funds Under Management (FUM): Minimum Rs. 50 lakh with Standard Chartered Bank
• Banking Relationship: Priority Banking customer status required
• Credit Score: Typically 750+ (not officially disclosed)
• Location: Must reside in cities/locations where Standard Chartered sources credit cards

What Counts as FUM?

Funds Under Management can include one or a combination of the following:

• Savings account balances
• Term deposits and fixed deposits
• Investments made through the bank
• Total paid-up life insurance premiums for active policies
• Market value of demat holdings maintained with Standard Chartered

Note: All applications are subject to Standard Chartered's credit and policy checks. Card issuance is at the bank's sole discretion.

• Aadhaar Card
• PAN Card (mandatory for credit cards)
• Passport
• Driving License
• Voter's ID

Address Proof (Any One)

• Aadhaar Card
• Passport
• Utility Bills (not more than 3 months old)
• Bank Statement
• Rent Agreement

FUM Documentation

• Bank statements showing savings/deposits with Standard Chartered
• Investment statements from Standard Chartered
• Demat holding statements
• Life insurance policy documents

Note: As a Priority Banking customer, your FUM may already be verified by the bank. Additional documentation requirements are subject to bank policy.

1. Visit the Official Website: Go to Standard Chartered India's credit cards section
2. Navigate to Beyond Card: Select the Beyond Credit Card from the product lineup
3. Check Eligibility: Ensure you meet the FUM requirement of Rs. 50 lakh
4. Click Apply Now: Fill in the online application form with personal and banking details
5. Submit Documents: Upload required identity, address, and income proof documents
6. FUM Verification: The bank will verify your Funds Under Management
7. Credit Check: Standard Chartered will conduct credit and policy checks
8. Approval & Delivery: Upon approval, the card will be delivered to your registered address

Through Priority Banking Relationship Manager

As a Priority Banking customer, you can also apply through your dedicated Relationship Manager who can guide you through the process and expedite your application.

Processing Time

Applications typically take 7-14 business days for processing, subject to document verification and credit checks.

The Standard Chartered Beyond Credit Card is a well-crafted premium offering that successfully competes in India's super-premium credit card segment. With unlimited domestic and international lounge access, competitive 3.33% reward rates, structured golf privileges, and valuable lifestyle benefits, it delivers strong value for its target audience.

The card truly shines for frequent travelers who can leverage the unlimited lounge access and low 2% forex markup. Golf enthusiasts will appreciate the consistent monthly benefit at premium courses, while foodies can enjoy meaningful savings through the EazyDiner partnership. The Rs. 15,000 welcome vouchers effectively offset the first-year cost.

However, the card's exclusivity is both its strength and limitation. The Rs. 50 lakh FUM requirement restricts access to a select group of high-net-worth individuals with substantial Standard Chartered banking relationships. This makes it less accessible than competitors like HDFC Infinia or Axis Magnus, which have income-based criteria.

Best suited for: Priority Banking customers with established Standard Chartered relationships, frequent international travelers, golf enthusiasts, and those seeking unlimited lounge access without per-visit caps.

Consider alternatives if: You don't have Rs. 50 lakh in Funds Under Management with Standard Chartered, prefer airline mile transfers over direct redemption, or want a card with broader accessibility.