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Standard Chartered Beyond
Standard Chartered's new flagship super-premium card (launched December 2025) - unlimited lounge access and a large welcome voucher pack aimed at affluent, Priority Banking-adjacent customers, but the very high fees are waived via a banking relationship (funds-under-management) threshold rather than card spend.
Annual fee
₹25,000
Joining fee
₹15,000
Reward type
points
Base reward rate
3.33%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 3.33% base rate
- Travel: Curated Taj experiences and MakeMyTrip travel privileges
- Domestic lounge access: Unlimited complimentary domestic airport lounge access, with 8 guest visits/year
- International lounge access: Unlimited complimentary international airport lounge access, with 8 guest visits/year
Benefits by category
- ✈️ Travel
Unlimited domestic and international airport lounge access, with 8 guest visits/year
- 🧾 Utilities
2% reward rate
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: Reward points redeemable for statement credit/vouchers with no additional fee
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- Unlimited domestic and international airport lounge access, with 8 guest visits/year
- ₹15,000 worth of Taj, Luxe, and MakeMyTrip vouchers once the joining fee is realised
- Curated Taj experiences and MakeMyTrip travel privileges
Pros
- + Unlimited lounge access with generous guest visits
- + Large welcome voucher pack (~₹15,000)
- + Strong flat reward rate on everyday spend
Cons
- − Very high fees (₹15,000 joining, ₹25,000 + GST annual)
- − Exclusive to Priority Banking clients (₹50 lakh+ funds under management); annual fee is waived on FUM qualification, not on card spend
Best for
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