Personal

Business

Beyond Credit Card takes you further than ever before

Unlimited airport lounge access worldwide Complimentary guest only applicable to Principal Cardholder who are Priority Private members with a minimum monthly Asset Under Management (“AUM”) of RM3,000,000 and above, as at last day of the month.

Enjoy unlimited lounge visits for you and your supplementary cardholders with 1x complimentary guest per visit*

Complimentary business class upgrade

Available on Malaysia Airlines with 1x Business Class and 1x Economy Class ticket purchase within Asia

MICHELIN Guide privileges

60% cashback at selected restaurants including MICHELIN Guide restaurants

Accelerate your rewards with every spend

Up to 15x accelerated points

Rewards without boundaries

No expiry or cap on points redemption

Enjoy privileges beyond measure

Live Beyond

Live Beyond

Live life in the fast lane when you can earn air miles and gifts faster with your accelerated points.

Travel Beyond

Travel Beyond

Enjoy unlimited lounge visits for you and your supplementary cardholders with 1x  complimentary guest per visit* and up to 6x complimentary airport transfer.

Dine Beyond

Dine Beyond

Experience dining pleasures at specially curated restaurants including MICHELIN Guide restaurants.

Bank Beyond

Bank Beyond

Elevate your banking experience with sophisticated wealth solutions from Priority Private and Priority Banking.

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Accelerate your rewards as you grow your banking relationship with us

Beyond Credit Card
(Priority Private) with qualified AUM*
Beyond Credit Card
(Priority Banking) with qualified AUM^ (only available for new application effective 20 February 2026)
Live Beyond
Earn points for every RM1 spend 15 Points per overseas dining and shopping spend
10 Points per overseas spend
1 Point per local spend
Travel Beyond
Unlimited Airport Lounge Access Enjoy unlimited lounge visits for you and your supplementary cardholders. Plus, one (1) complimentary accompanying guest access per visit (only applicable to principal cardholder)
Airport Transfer Programme Up to RM100 per ride, 6x rides per year (via Grab app)
Complimentary Business Class upgrade Enjoy one (1) complimentary Business Class upgrade on Malaysia Airlines when you purchase one (1) Business Class ticket and one (1) Economy ticket (highest fare bucket) within Asia destinations.
Complimentary Travel & Medical  insurance Receive complimentary travel and medical insurance coverage of up to RM50,000 for principal cardholders
Dine Beyond
Dining Cashback Programme 60% Cashback at selected restaurants, including MICHELIN Guide restaurants (up to RM600 cashback per cardholder per month)
*Eligible for Principal Cardholders who are Priority Private members with a minimum monthly Asset Under Management (“AUM”) of RM3,000,000 and above, as at last day of the month.
Live Beyond
Earn points for every RM1 spend 10 Points per overseas dining and shopping spend
5 Points per overseas spend
1 Point per local spend
Travel Beyond
Complimentary Airport Lounge Access 8x per year, shareable with Supplementary cardholder
Airport Transfer Programme Up to RM60 per ride, 6x rides per year (via Grab app)
Complimentary Travel & Medical insurance Receive complimentary travel and medical insurance coverage of up to RM50,000 for principal cardholders
Dine Beyond
Dining Cashback Programme Up to 60% Cashback at selected restaurants, including MICHELIN Guide restaurants (up to RM300 cashback per cardholder per month)
^Eligible for Principal Cardholders who are Priority Banking members with a minimum monthly Asset Under Management (“AUM”) of RM350,000 and above, as at last day of the month.

Indulge in additional Visa Privileges

Elevate your lifestyle with additional Visa privileges, including luxury stays, travel savings and personalised concierge services.

Visa Luxury Hotel Collection

Visa Luxury Hotel Collection

  • Over 900 Luxury Hotels
  • Around the world.
  • Automatic room upgrade upon arrival, when available.
  • Valid until 31 December 2026.
Qatar Airways

Up to 15% OFF flights on Qatar Airways

  • Promo code: SEACN25
  • Valid until 31 October 2026.
Expedia

7% OFF selected Hotel Bookings on Expedia

  • Coupon code: VISAYR7
  • Valid until 31 December 2026.
eCommerce

eCommerce Purchase Protection

  • Protect your online purchases with up to USD200 per claim per annum.
  • Valid until 30 September 2026.
Extended Warranty

Extended Warranty

  • Extended Warranty duplicates the terms of the original Manufacturer’s Warranty up to 1 full year.
  • Valid until 30 September 2026.
Visa Infinite

24/7 Visa Infinite Concierge Service

  • Visa Concierge is a 24/7 digital personal assistant and lifestyle guide. Download the app to explore and self-book an experience at home or abroad.
  • Valid until 30 September 2026.

  • Application Eligibility
    • Principal Card Age: 21 – 65 years old
    • Supplementary Card Age: 18 – 65 years old
    • Exclusively for Priority Private or Priority Banking clients
  • For Existing Standard Chartered Credit Cardholders
    • No documents are required.
    • However, if there has been a recent change to your income, please submit your updated documents for review during the application process.
  • Salaried

    (Private Sector/ Directors/Employers drawing salary/Staff of Standard Chartered / Subsidiaries)

    • Copy of NRIC (Front & Back) AND
    • Latest 2 years EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app) Click here

    Note: Effective 13 May 2024, please ensure that “Account 3” is shown in your latest downloaded EPF statement.

  • Salaried (Government Sector) / Self-Employed
    • Copy of NRIC (Front & Back) AND
    • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here
  • Application Eligibility
    • Principal Card Age: 21 – 65 years old
    • Supplementary Card Age: 18 – 65 years old
    • Exclusively for Priority Private or Priority Banking clients
  • For Existing Standard Chartered Credit Cardholders
    • No documents are required.
    • However, if there has been a recent change to your income, please submit your updated documents for review during the application process.
  • Salaried

    (Private Sector/ Directors/Employers drawing salary/Staff of Standard Chartered / Subsidiaries)

    • Copy of NRIC (Front & Back) AND
    • Commission Statement & Bank Statement
  • Salaried (Government Sector) / Self-Employed
    • Copy of NRIC (Front & Back) AND
    • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

CHARGES
DETAILS
Finance / interest charges 15-18% p.a.

Click here to know more about the Credit card Tiered Interest Rates
Annual Fees Beyond Credit Card Priority Private – Metal Card

Principal card: RM2,000
Supplementary card: RM600

 

Annual fee will be waived if the credit cardholder maintains Priority Private (PVB) membership with minimum Asset Under Management (“AUM”) of  RM3,000,000.

 

Beyond Credit Card Priority Banking

Principal card: RM800
Supplementary card: RM400

 

Annual fee will be waived if the credit cardholder maintains Priority Banking (PRB) membership with minimum Asset Under Management (“AUM”) of  RM350,000.
Service Tax Principal Card: RM25

Supplementary Card: RM25
Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50, whichever is higher
Late Payment Charges Minimum RM10 or 1% of the total outstanding balance as of the statement date, whichever is higher.

Late payments charges are capped at a maximum of RM100 per account
Cash Advance Fee A fee of RM12.40 will be imposed for each transaction (applicable to all Credit Cards except for Smart Credit Card).
Overseas Transaction Fees 1. Overseas transactions (including merchants with an overseas payment gateway) are subjected to fees, charges and commission as determined by Visa International / MasterCard Worldwide. Transactions in a currency other than Ringgit Malaysia shall also be converted at the exchange rate determined by Visa International / MasterCard Worldwide / the Bank on the date the transaction is processed.

2.In addition, the Bank will charge a 1% administration fee on the amount transacted in foreign currency with any MasterCard Credit Card and/or Visa Credit Card
Click here to know more about the Credit card Fees & Charges.

The actual credit limit is subject to the Bank’s approval and will be made known when you receive your card.

Turn your Points into AirMiles, gifts and experiences you will love. Redeem anytime with no expiry or cap on points redemption. Explore all rewards here.

For Beyond Credit Card (Priority Private)

1. Unlimited Airport Lounge Access: Eligible for Principal cardholders who are Priority Private (PVB) members with a minimum Assets Under Management (”AUM”) of RM3,000,000 per month, as at last day of the month. If your Priority Private membership has ended or your AUM is between RM350,000 to RM2,999,999, any access by you, the supplementary cardholder(s) and accompanying guests will be charged USD29 (as per legal tariff) per person per visit.

2. Airport Transfer Programme: Eligible for Principal cardholders who are Priority Private (PVB) members with a minimum AUM of RM3,000,000 per month, as at last day of the month. The Airport Transfer via Grab of up to RM100 per ride is applicable to Principal cardholders only. Cardholders are entitled to enjoy up to 6x rides per calendar year.

3. Complimentary Business Class Upgrade: Eligible for Principal cardholders who are Priority Private (PVB) members with a minimum Assets Under Management (”AUM”) of RM3,000,000 per month. If your Priority Private (PVB) membership has ended or your AUM is between RM350,000 to RM2,999,999, your Complimentary Business Class Upgrade entitlement is not longer valid.

4. The annual fee of RM2,000 is waived for the first 1 year (applicable to new clients only). Annual fee for the second year onwards will be waived if you maintained Priority Private (PVB) membership with minimum Asset Under Management (“AUM”) of RM3,000,000 and above.

For Beyond Credit Card (Priority Banking)

1. Complimentary Airport Lounge Access: Eligible for Principal cardholders who are Priority Banking (PRB) members with a minimum Assets Under Management (”AUM”) of RM350,000 per month, as at last day of the month. Access exceeding 8 times and accompanying guests will be charged USD29 (as per legal tariff) per person per visit. If your Priority Banking membership has ended or your AUM is below RM350,000, any access by you, the supplementary cardholder(s) and accompanying guests will be charged USD29 (as per legal tariff) per person per visit.

2. Airport Transfer Programme: Eligible for Principal Cardholders who are Priority Banking (PRB) members with a minimum AUM of RM350,000 per month, as at last day of the month. The Airport Transfer via Grab of up to RM60 per ride is applicable to Principal cardholders only. Cardholders are entitled to enjoy up to 6x rides per calendar year.

3. The annual fee of RM800 is waived for the first 1 year (applicable to new clients only). Annual fee for the second year onwards will be waived if you maintained Priority Banking (PRB) membership with minimum Asset Under Management (“AUM”) of RM350,000 and above.

The above is merely an excerpt of the Terms and Conditions governing the Standard Chartered Beyond Credit Card (Priority Private). Please click here for the full Terms and Conditions.

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