Standard Chartered Beyond Credit Card
Enjoy elite travel rewards that value your complete financial footprint with the Standard Chartered Beyond Credit Card.
Eligibility
Minimum Monthly Income
N/A
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Exclusively for Standard Chartered Priority Banking members
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 2 years EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
First year free for new customers only and Waived when you maintains Priority Banking (PRB) membership with a minimum Asset Under Management (AUM) of RM350,000
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Exponential Rewards Through Consolidated Wealth
Cardholders earn 10 points for every RM1 (or foreign currency equivalent) spent overseas on dining and shopping, while other overseas spending earns 5 points per RM1. Local spending earns 1 point per RM1. Points can also be accumulated on balances held in Standard Chartered home loans, deposits and investment products. Accumulated 360° Rewards Points can be redeemed for gifts, vouchers, or Air Miles through AsiaMiles, KrisFlyer, Enrich and AirAsia BIG.
Premium Global Travel and Airport Transit Benefits
Principal cardholders enjoy 8x complimentary access shareable with Supplementary cardholder to over 1,800 airport lounges globally via LoungeKey, along with 24-hour worldwide travel assistance. Complimentary travel and medical insurance coverage of up to RM50,000 is also included, provided at least one transaction is made on the credit card during the overseas trip. Cardholders can also enjoy up to RM60 off airport rides home from eligible airports in Malaysia, including Kuala Lumpur International Airport 1 and 2, Johor Bahru Senai International Airport, Penang International Airport, Kota Kinabalu International Airport, Kuching International Airport, Langkawi Airport, and Sultan Abdul Aziz Shah Airport, capped at 6 rides per year via the Grab app. Terms and conditions apply.
Standard Chartered FlexiPay
Take charge of your personal or business capital with enhanced financial flexibility. Standard Chartered FlexiPay Plus lets you easily break up any single retail transaction of RM500 or more into manageable, structured monthly payments via the SC Mobile App. You can customize your repayment schedule by selecting convenient tenures that stretch all the way up to 60 months. Best of all, the plan operates with total transparency, giving you the freedom to clear your remaining balance early at any time without facing any early payment penalties.
Standard Chartered Balance Transfer Plus
Break free from standard compounding credit card rates by bringing your outstanding balances into a single, predictable payment schedule. The Standard Chartered Balance Transfer Plus plan allows you to clear what you owe from other financial institutions at a low, fixed interest rate of 5.99% per annum with no upfront handling fees. Simply customize your repayment timeline by matching your monthly cash flow to flexible structural options of 12, 18, 24, or up to 36 months.
Premium Concierge and Safeguarded Online Shopping
The Dine Beyond Dining Cashback Programme offers up to 60% cashback at selected restaurants, including MICHELIN Guide restaurants, capped at RM300 per cardholder per month. Experience seamless lifestyle coordination alongside comprehensive online purchase security. The Standard Chartered Beyond Credit Card connects you to a 24/7 Visa Infinite Concierge service, giving you a digital avenue to self-book luxury travel, premium dining, and entertainment arrangements across the globe. Additionally, your virtual transactions are fully insulated against merchant vulnerabilities. The integrated eCommerce Purchase Protection plan safeguards your internet shopping by reimbursing you for up to USD 200 per claim against transit damage, incomplete packages, or total non-delivery.
Terms and Conditions
Product review by CompareHero
What Is Standard Chartered Beyond Credit Card?
The Standard Chartered Beyond Credit Card is for Standard Chartered's Priority Banking members.
360° Rewards Points
Cardholders earn 360° Rewards Points from spending on the Beyond Credit Card, and also from existing Standard Chartered products such as fixed deposits, personal home loans, and savings accounts, each capped at 4,000 points. Transactions in foreign currency earn up to 10 times the standard points. Points can be exchanged for air miles, vouchers, and other travel, lifestyle, and golf rewards.
Up to RM60 Off Airport Transfers
Cardholders can get up to RM60 off an airport transfer using the Grab app:
- Select "Car" on the Grab app.
- Enter the pick-up and drop-off locations.
- Pay with the Beyond Credit Card, then select "Offer."
- Enter the promo code "SCBKLIA60," or select "RM60 off Airport Transfer," then apply.
- Review the booking details and confirm the GrabCar booking.
Travel Benefits
Principal cardholders get a Priority Pass for free access to over 1,800 airport lounges worldwide via LoungeKey. To use a lounge, bring a valid boarding pass and mention "LoungeKey." The full list of lounges is on the LoungeKey website. LoungeKey charges a pre-authorization amount of USD 3.25 to the card, released within 14 days.
The card also includes 24/7 worldwide concierge service for trip planning, hotel bookings, flight and restaurant reservations, car rentals, and event tickets.
Cardholders get up to RM50,000 in travel and medical insurance when overseas spending is charged to the Beyond Credit Card. Terms and conditions apply.
In addition to lounge access and travel insurance, Standard Chartered Beyond Credit Card also extends a range of hotel and flight privileges to its holders.
Through the Visa Luxury Hotel Collection, cardholders gain entry to a network of over 900 luxury hotels globally, with automatic room upgrades granted upon arrival subject to availability. This privilege runs until 31 December 2026.
Flight bookings on Qatar Airways are discounted by up to 15% with the promo code SEACN25, applicable until 31 October 2026. Hotel bookings made through Expedia carry a separate 7% discount via coupon code VISAYR7, valid through 31 December 2026.
Late Repayment Charges
If a cardholder misses a repayment, a finance charge applies to the overdue balance. The rate ranges from 15% to 18% per annum, based on the cardholder's repayment record over the past 12 months:
| Annual Rate | Condition |
| 15% | Minimum Monthly Payment paid on time for 12 consecutive months |
| 17% | Minimum Monthly Payment paid on time for 10 or 11 of the last 12 consecutive months |
| 18% | Minimum Monthly Payment paid on time for 9 months or fewer in the last 12 consecutive months |
For example, if a cardholder misses 3 repayments in a row within 12 months of card approval, an 18% per annum finance charge applies to the outstanding balance. The rate drops back to 15% after 12 consecutive months of on-time, full repayment.