Standard Chartered Introduces Beyond Credit Card in India for Premium Users

Standard Chartered Bank has launched a new premium credit card in India called the Beyond Credit Card. This card is targeted at high income individuals who prefer luxury benefits strong rewards and global privileges. With this launch Standard Chartered is making a clear move to strengthen its presence in the premium credit card market in India.

The Beyond Credit Card was earlier offered in international markets and is now designed specifically for Indian customers with a strong banking relationship. It offers benefits on travel, dining, entertainment, and daily spending, making it ideal for high-income users.

What is the Standard Chartered Beyond Credit Card

The Beyond Credit Card is a premium offering designed for customers who want more value from their spending. It provides unlimited reward points enhanced redemption options and premium experiences across travel dining and entertainment.

Unlike many premium credit cards this card also rewards essential expenses such as utility bills, insurance premiums and government payments. This makes it practical for daily usage along with luxury spending.

Joining Fee Annual Fee and Welcome Benefits

Standard Chartered charges a joining fee of INR 15,000 plus GST for the Beyond Credit Card. Once the joining fee is paid cardholders receive welcome vouchers worth INR 15,000.

These vouchers can be redeemed with premium brands like Taj Hotels, MakeMyTrip and Luxe Gift Cards. This helps cardholders recover most of the joining cost in the first year itself.

The annual fee of the Beyond Credit Card is INR 25,000 plus GST. However, customers who meet the bank Funds Under Management criteria may get the annual fee waived based on eligibility.

Reward Structure and Spending Benefits

• One of the biggest advantages of the Beyond Credit Card is its strong reward system.
• Cardholders can earn up to 3.3 percent rewards on regular spending such as shopping dining travel and lifestyle purchases. This reward rate is competitive in the premium segment.
• The card also offers 2 percent rewards on essential categories like utility bills, insurance premiums and government payments. This feature is rare among premium credit cards in India and adds real everyday value.
• On annual spending of INR 20 lakh cardholders can earn reward points worth up to INR 60,000.

Unlimited Airport Lounge Access Benefits

• Travel benefits are a major highlight of the Beyond Credit Card.
• Cardholders get unlimited access to domestic airport lounges across India. They also receive unlimited access to international airport lounges worldwide.
• In addition the card allows up to eight guest lounge visits every year. This is useful for family travel and business trips.
• For frequent travelers this feature alone adds significant benefit and comfort.

International Spending and Travel Privileges

The Beyond Credit Card offers excellent benefits for international spending. The foreign exchange markup on international transactions is limited to 2 percent which is lower than many premium cards. This helps save money on overseas shopping and travel expenses. Cardholders also receive 15 percent cashback at duty free stores across the world. This benefit can be used multiple times during the year and offers direct savings.

These features make the card suitable for users who travel abroad frequently.

Dining Benefits and Entertainment Offers

Standard Chartered has included strong dining and entertainment offers with the Beyond Credit Card. Cardholders can enjoy Buy 1 Get 1 Free offers on movie and event tickets booked through BookMyShow. This offer is available once every month with a capped value.

Dining benefits include 25 percent discount at select restaurants when booked through EazyDiner. The discount has a monthly usage limit and applies to premium dining partners.

These benefits help users save on entertainment and dining throughout the year.

Golf and Lifestyle Experiences

The Beyond Credit Card also caters to premium lifestyle needs. Cardholders receive two complimentary golf games or golf lessons every month at selected golf courses in India. This benefit suits professionals and business users who enjoy golf or want access to premium leisure activities. Golf benefits add exclusivity and match the premium positioning of the card.

Fuel Surcharge Waiver and Daily Savings

Even though it is a premium card the Beyond Credit Card offers benefits on everyday expenses. The card provides a fuel surcharge waiver of up to INR 1,200 annually based on regular fuel usage. Combined with rewards on utilities and insurance payments this card offers a balance of luxury and routine savings.

Total Value of Beyond Credit Card Benefits

• Welcome vouchers worth INR 15,000
• Reward points up to INR 60,000 annually
• Unlimited domestic lounge access
• Unlimited international lounge access
• Dining savings via EazyDiner
• Movie ticket benefits via BookMyShow
• Monthly golf privileges
• Duty free cashback worldwide
• Lower forex charges on foreign spending
• Fuel surcharge waiver every year

Actual benefits depend on usage and higher spending helps unlock maximum value.

Eligibility Criteria for Beyond Credit Card in India

The Beyond Credit Card is available only to premium customers.

• The applicant should be between 18 and 70 years old.
• They must maintain Funds Under Management of at least INR 50 lakh with Standard Chartered Bank.
• FUM can include savings balances fixed deposits investments life insurance premiums and demat holdings maintained with the bank.
• Applicants must live in serviceable locations and pass standard credit checks.

Is the Beyond Credit Card Worth It in India

The Standard Chartered Beyond Credit Card is best suited for high-net-worth individuals who spend regularly and value premium experiences. It offers a good balance of rewards travel comfort dining benefits and lifestyle privileges.

The high eligibility requirement limits it to a smaller audience. However, customers who qualify can extract strong long-term value from the card.

Bottom Line

The Standard Chartered Beyond Credit Card is a premium card made for Indian users who want a mix of luxury and daily rewards. It gives benefits on regular spending as well as travel and lifestyle, making it a strong option in the premium segment. With this card, Standard Chartered is clearly aiming to grow its presence in India’s high-end credit card market. The Beyond Credit Card is suitable for users who value comfort, quality experiences, and steady rewards. It is expected to be issued on the Visa Infinite network, which highlights its premium status in India.