Standard Chartered India Beyond Credit Card

Lounge access

• Domestic & International lounges within India (Visa Lounge program): Unlimited lounge access for cardholder, plus 4 complimentary guest accesses per calendar year.
• Both primary and supplementary Eligible Cardholders get access individually.
• Nominal non-refundable swipe fee of ₹2 at entry.
• International (outside India) via Priority Pass: complimentary membership giving access to over 1700 international airports.
• Unlimited complimentary access for cardholder and up to 4 complimentary guest accesses per calendar year.
• Nominal fee of USD 1 for authentication reversed within 10 working days.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Forex markup

• 2% forex markup fee on all overseas transactions and non-INR transactions.
• The fee is levied on the amount settled on the card in INR and appears separately in the statement.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Charge

• Late payment charges: ₹0 for outstanding <= ₹100.
• ₹100 for ₹101-500.
• ₹500 for ₹501-5,000.
• ₹700 for ₹5,001-10,000.
• ₹1,200 for > ₹10,000.
• Additional ₹100 if Minimum Amount Due not received for 2+ consecutive months (w.e.f. 1 May 2024).
• Cheque bounce charges: ₹500.
• Over limit charges: ₹500 per instance or 2.5% of overlimit amount (minimum ₹500).
• Card replacement fee: Nil.
• Rewards handling charges: ₹99.
• Cash advance fee (ATM withdrawals): 3% of cash withdrawal amount, minimum ₹300.
• Overseas transactions: 2% transaction fee (Beyond/Ultimate; other cards 3.5%).
• Merchants registered overseas even if located in India attract 1% from Visa/MasterCard.
• Fuel surcharge reversals: ₹10 or 1% of transaction (whichever higher) on fuel transactions (MCC 5172, 5541, 5542, 5983).
• Rental payments: 1% processing fee on transaction amount + applicable taxes (MCC 6513, w.e.f. 2 April 2023).
• Cheque/cash pick up fee: ₹100 for overdue accounts.
• Cash repayment fee: ₹299 for cash payment of credit card bills at branch.
• Paper statement fee: ₹99 per month if opting for both paper and electronic statement.
• Interest: 3.75% pm (APR 45%).
• Cash transactions 3.75% pm (APR 45%).
• Branch service handling charges/service requests at branch: ₹199.
• Self service IVR calls: FREE (charges applicable except Visa Infinite, Emirates World & Beyond).
• GST applicable over and above mentioned charges.

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Interest-free period

• Interest-free (grace) period: payment due date is between 18 and 25 days after the statement date, so the interest-free credit period ranges from 18-48 days to 25-55 days depending on payment due date.
• Does not apply to cash advances and revolving balances.

Verified · harvested from product page · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge waiver: 1% waiver of the transaction amount on fuel transactions, max ₹5,000 per statement cycle, credited within 2 days of transaction posting.
• Applicable to fuel MCCs 5172, 5541, 5542, 5983.
• Fuel transactions earn no reward points.
• (Tariff of Charges states Fuel Surcharge Reversals: INR 10 or 1% of transaction, whichever is higher.).

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Milestone benefit

• BookMyShow Buy 1 Get 1 offer: on purchasing minimum 2 movie/non-movie tickets each using the Beyond Credit Card on BookMyShow (App/Website), maximum discount up to ₹1,000.
• Valid once per card per month.
• Offer live till the card is active.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Redemption value

• Reward points redeemable via 360 Rewards portal (R360) against products, vouchers or services in the 360 Rewards catalogue [1 RP = ₹1].
• Rewards handling charge of ₹99 towards handling and courier charges for redemption of reward points.
• Reward points have a validity of 3 years from the day earned.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Reward cap

• All reward points are capped at card level.
• Primary and supplementary cardholders receive and redeem the maximum reward points amount individually and cannot consolidate points earned individually on primary and supplementary cards during redemption.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Reward exclusion

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Dining benefit

• EazyDiner benefit: 25% instant discount up to ₹2,500 on no minimum transaction value, valid once per card per month (coupon code SCB2500), on Takeaway or Dining-in via EazyDiner app, website and m-site using Beyond Credit Card.
• Offer live till the card is active.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Golf benefit

• Beyond Golf Programme: 2 complimentary golf games a month, access to over 40 premium golf courses in India (powered by Thriwe).
• Nominal charge of ₹2 for authentication reversed within 10 working days.
• Domestic bookings must be made at least 4 days and at most 15 days in advance.
• Cancellations at least 3 days prior to play.
• Benefit retracted for minimum 1 year if client downgraded from FUM Qualification.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Travel benefit

Flight Delay - Indemnity based, amount payable per hour USD 10, deductible 12 hours, up to USD 200 (part of complimentary travel insurance cover).

Verified · harvested from product page · 2026-08-03 · source

Insurance

• Complimentary insurance (HDFC Ergo, Policy No. 2999206693039301000): Accidental death (Air) ₹1,00,00,000.
• Checked baggage loss USD 500.
• Baggage delay USD 100 (per 6 hours USD 10, deductible 12 hours).
• Loss of baggage & personal documents USD 750.
• Hijacking USD 100 (per 6 hours USD 75).
• Flight delay USD 200 (per hour USD 10, deductible 12 hours).
• Emergency Medical Expenses USD 25,000 (deductible USD 100).
• Lost or Stolen Card Cover ₹25,000.
• Card forgotten at ATM cover and Theft of Funds due to unauthorized digital access cover (covered within Lost or Stolen Card Cover).

Verified · harvested from product page · 2026-08-03 · source

Statement credit

• Duty-free cashback: 15% cashback on duty free transactions, max cashback of ₹1,500 per statement cycle, credited within 2 days of transaction being posted.
• Only transactions where merchant is registered as duty-free vendor (MCC 5309) qualify.
• These transactions do not earn reward points.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source

Eligibility

• Offered to Priority and Private Banking clients based on FUM Qualification.
• FUM (Funds Under Management) Qualified: INR 50 Lakhs and above for at least 2 consecutive months.
• FUM includes Savings Account balances, Term Deposit balances, Investments made through the Bank, value of Demat held with the Bank, life insurance paid-up premium (except Term/Group Insurance), and Homesaver account funds.

Verified · Beyond Credit Card – Terms & Conditions (Benefits/Rewards T&C) · 2026-08-03 · source