Standard Chartered Beyond
KeepUnlimited lounges on both sides of the border — for the ₹50 lakh you already keep at SC.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Vouchers worth ₹15,000 from Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea or Marks & Spencer, on realisation of the joining fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹81,000 a month
At ₹81,000 a month — ₹9,72,000 a year — on the everyday mix this card returns ₹25,300 gross (earn ₹25,300) against its ₹25,000 fee = ₹300 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #23
Why #23 Beyond is the Ultimate's engine — the same 5 points per ₹150 at a fixed ₹1 a point — wrapped in unlimited lounge access at home and abroad, two golf games a month and a 2% forex markup, with the renewal fee waived for anyone who still clears the Funds-Under-Management bar that let them hold it. That package outruns the Ultimate. It stays behind the transfer cards above it for one reason that never changes: a Standard Chartered reward point reaches no airline and no hotel, so ₹1 is the ceiling no matter how good the card around it is.
Denied or downgraded? The head-to-heads: Axis Magnus for Burgundy, Axis Olympus, Axis Burgundy Private, HSBC Premier (Metal), IDFC FIRST Private, RBL Nova, Standard Chartered Ultimate, IndusInd PIONEER Private, Standard Chartered Priority Visa Infinite, Standard Chartered Platinum Elite.
The take
Beyond is Standard Chartered's answer to the question its own Ultimate cannot answer: what does a Priority Banking client get for the relationship? The earn is the Ultimate's, verbatim — 5 reward points per ₹150, 3 per ₹150 on utilities, supermarkets, insurance, rent, schools and government, at a flat ₹1 a point in the R360 catalogue. What is new is everything around it. **Unlimited** complimentary lounge access at domestic *and* international terminals inside India on the Visa programme, **unlimited** Priority Pass access outside India, four guest visits a year on each side, two golf games or lessons a month across 40-odd courses, a 2% forex markup, 15% back at duty-free, and a ₹15,000 voucher stack on joining. The fee shape is the catch and the trick at once: ₹15,000 to get in, ₹25,000 a year to stay — waived while you hold ₹50,00,000 with the bank, which you must anyway to be offered the card. So the true price is the joining fee and the relationship. The hole is the same hole the Ultimate has: **no transfer partners**. Not one airline, not one hotel. Every point is worth exactly ₹1, minus ₹99 a redemption, and no clever routing changes that. And there is a timer on the whole thing — SC's India card book moves to Federal Bank after 31 Jul 2026, and Beyond is written against the Priority Banking relationship rather than the card portfolio, which is precisely why SC is steering Ultimate holders here.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹25,000/yr at stake · 5 spend bands
The charge ₹15,000 joining, then ₹25,000/yr
Break-even ₹81,000 a month — ₹9,72,000 a year — is where this card's value crosses its fee.
At your spend
−₹17,200 a year, net of the fee, at ₹3,00,000 of annual spend
−₹9,400 a year, net of the fee, at ₹6,00,000 of annual spend
₹6,200 a year, net of the fee, at ₹12,00,000 of annual spend
₹68,500 a year, net of the fee, at ₹36,00,000 of annual spend
₹1,30,900 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The bank's own downgrade trigger
Lose Priority or Private banking status and the bank "may choose to convert the card to the corresponding credit card which is aligned to your updated relationship status or also block the card". It names no destination card.
Standard Chartered's own document · read 29 Aug 2026
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Unlimited lounge access at domestic AND international terminals in India (Visa), plus unlimited Priority Pass abroad
- 4 guest lounge visits a year on the Visa side and 4 more on Priority Pass — the marketing's '8 guest visits' is those two added up
- 3.33% flat on general spend, 2% on utilities, insurance, rent, schools and government — at a fixed ₹1 a point
- 2 complimentary golf games or lessons every month across 40+ Indian courses
- 2% forex markup, 15% duty-free cashback (₹1,500 a cycle), and the fuel surcharge waived up to ₹5,000 a cycle
Watch out
- No transfer partners at all — a Standard Chartered point is ₹1, floor and ceiling, minus ₹99 per redemption
- ₹15,000 to join and ₹25,000 a year after that; the annual fee is waived only while you keep ₹50,00,000 of Funds Under Management with SC
- Lose the Priority/Private relationship and SC may downgrade or block the card — and the Priority Pass benefit is retracted for a minimum of one year
- Fuel, duty-free spend and ATM withdrawals earn zero points; points expire 3 years from the day they are earned
- SC is transferring its India card book to Federal Bank after 31 Jul 2026; Beyond rides on the banking relationship, so it should survive the move — but SC has published no post-migration terms
What these points actually fly
No live transfer route takes StanC 360° Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
8 sourced rules · 1 pay zero
Base 5 reward points per ₹150 (3.33 RP/₹100) at a fixed ₹1 a point in the 360° catalogue, minus ₹99 a redemption. §4.1.2 names a six-category list that earns 3 RP/₹150 instead; §4.2 names the only categories that earn nothing. Points are capped at CARD level, not by category or month.
- Fuel · excluded "Fuel purchases" earn no reward points (§4.2.1); 1% fuel surcharge waiver instead, capped ₹5,000 a statement cycle on MCC 5172, 5541, 5542, 5983
- Rent & property management · reduced 3 RP per ₹150 (2%) — "Property management" in the §4.1.2 list; SC also charges a 1% processing fee on rental transactions bank-wide
- Utilities (electricity/water/gas) · reduced 3 RP per ₹150 (2%) instead of 5 — "Utility Payments" in the §4.1.2 list, uncapped
- Insurance · reduced 3 RP per ₹150 (2%), uncapped — one of the few cards that still earns meaningfully on insurance
per Standard Chartered T&C · rank every card by spend category →
Lounge access
718 of 793 tracked doors
Gate: No spend gate, but the whole benefit hangs on FUM qualification (₹50,00,000); lose it and Priority Pass is retracted for at least a year
Opens 718 of 793 tracked lounge doors across 291 airports , via Visa, Priority Pass Global — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
There is no application you can win on income alone: Beyond is offered to Standard Chartered Priority and Private Banking clients on FUM qualification — ₹50,00,000 and above, held for at least two consecutive months, counting savings and deposit balances, investments through the bank, demat value, in-force life-insurance premium (term plans excluded) and Homesaver balances. Age 18–70. Bring the relationship first and the card follows; let the relationship lapse and SC reserves the right to convert or block it.
per the official Standard Chartered MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Visa, offered only to Standard Chartered Priority and Private Banking clients on FUM qualification. Beyond T&C §1: joining fee ₹15,000 and renewal fee ₹25,000 from the second year onwards — two different numbers, both modelled. §3 waives the annual fee for a cardholder meeting FUM qualification at individual client level in the 3 months before levy, and FUM qualification is ₹50,00,000 held for at least 2 consecutive months (savings and deposit balances, investments through the bank, demat value, in-force life-insurance premium excluding term plans, Homesaver balances). Earn 5 RP per ₹150 on general spend and 3 RP per ₹150 on utilities, supermarkets, insurance, property management, schools and government (§4.1); fuel, ATM withdrawals, duty-free spend, returned and disputed transactions and fees earn nothing. Points are capped at card level — primary and supplementary cannot be consolidated — and expire 3 years from the day they are earned. Lounges are the reason to hold it: §9 gives UNLIMITED complimentary Visa-programme access at domestic and international terminals within India plus 4 guest accesses a calendar year, entered by swiping ₹2; §10 gives unlimited complimentary Priority Pass access outside India plus 4 more guest accesses a year, entered by presenting the card with a US$1 authentication reversed within 10 working days. The marketing page's "8 guest visits every year" is those two fours added together, and its "8 domestic + 6 international" savings table is explicitly illustrative. Priority Pass is retracted for a minimum of one year if the client drops out of FUM qualification, and SC may convert or block the card if the Priority/Private relationship ends. Also: 15% duty-free cashback capped ₹1,500 a statement cycle, 1% fuel surcharge waiver capped ₹5,000 a cycle, 2 golf games or lessons a month at 40+ Indian courses via Thriwe, EazyDiner 25% up to ₹2,500 once a month, BookMyShow buy-one-get-one up to ₹1,000 once a month, ITC Hotels and Visa Luxury Hotel Collection privileges. Reward points reach NO airline and NO hotel programme.
per the official Standard Chartered MITC · reviewed 10 Jul 2026
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Beyond Credit Card T&Cs — §1 joining ₹15,000 and renewal ₹25,000 from year 2, §4 earn 5 RP/₹150 (3 on essentials), §7 2% forex, §9 unlimited Visa lounges in India, §10 unlimited Priority Pass abroad
- official Product page — "Joining Fee: INR 15,000 +GST", "Annual Fee: INR 25,000 +GST", up to 3.3% rewards, 2% on government, utilities and insurance, unlimited lounge access with 8 guest visits a year
- official Tariff table — Beyond Credit card 15,000 (Annual Fee Year 1) / 25,000 (Year 2 onwards) / Nil supplementary; 3.75% a month APR 45%; ₹99 handling and courier charge per reward redemption
- official Rewards-points expiry FAQ — points lapse about three years after they are earned, written off in quarterly batches
- official Federal Bank migration FAQ — the card relationship transfers after 31 Jul 2026; consent via I Agree, SMS ACCEPT or continued use
- official Standard Chartered domestic lounge programme — the Beyond table runs to 83 rooms, the full-fat Visa list