Standard Chartered Beyond Credit Card: rewards, caps and exclusions
The Standard Chartered Beyond Credit Card pays about 2% on Bills, Groceries, Rent, Education, and 3.33% on everything else. Below is every rate, cap and exclusion in Standard Chartered's published terms, as we last checked them on 9 October 2026.
What it earns
≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
- Cash withdrawals and fees
What costs extra
Worse than earning nothing: Standard Chartered charges a fee for these.
- 1% on Rental payments, plus GST
Fees
- Annual fee: ₹25,000, plus 18% GST
- Joining fee: ₹15,000
Welcome benefit: Vouchers worth INR 15,000 (Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea, Marks & Spencer) on paying the joining fee.
Where this comes from
Transcribed from Standard Chartered's own documents and checked against them on 9 October 2026:
- product page, sc.bank.in
- Beyond Credit Card T&C, av.sc.com (PDF)
- Beyond MID "Ver_April_2026", av.sc.com (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Standard Chartered's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Standard Chartered's mail yet, so the audit can't check your swipes on it. Which banks we read