Standard Chartered Beyond Credit Card Terms and Conditions
| EARN RATE | ||||
|---|---|---|---|---|
Beyond Card only
(Base Rewards Points) | Beyond Card with
Priority Banking Relationship (Base Rewards Points + Additional Rewards Points) | Beyond Card with
Priority Private/Private Relationship (Base Rewards Points + Additional Rewards Points) | ||
| Every S$1 Local Currency Spend | Rewards Points
(Miles equivalent) | 3.75
(1.5) | 5.0 (3.75 + 1.25)
(2.0) | 5.0 (3.75 + 1.25)
(2.0) |
| Every S$1 Foreign Currency Spend | Rewards Points
(Miles equivalent) | 7.5
(3.0) | 8.75 (7.5 + 1.25)
(3.5) | 10.0 (7.5 + 2.5)
(4.0) |
| Every S$1 Foreign Currency Spend on Overseas Dining | Rewards Points
(Miles equivalent) | 20.0 (7.5 + 12.5)
(8.0) | ||
| BEYOND PRINCIPAL CARDHOLDER'S RELATIONSHIP WITH THE BANK | ASSETS UNDER MANAGEMENT(AUM) WITH THE BANK |
|---|---|
| Beyond Card only | Less than S$200,000 |
| Beyond Card with Priority Banking Relationship | S$200,000 – S$1,500,000 |
| Beyond Card with Priority Private/Private Banking Relationship | Above S$1,500,000 |
- The base Reward Points will be credited to the Beyond principal cardholder’s account in the current statement cycle date (“T statement date”) based on the Qualifying Transactions posted in that statement cycle. Additional Rewards Points based on your relationship and AUM held with the Bank will be aggregated across all Qualifying Transactions and credited to the Beyond principal cardholder’s account in the next statement cycle date (“T+1 statement date”).
- In order to calculate the Additional Rewards Points to be awarded, the Earn Rate applicable to the Beyond Cardholder will be determined, at the point of fulfilment (T+1 statement date), by the Beyond principal cardholder’s month-end AUM in the calendar month preceding the T statement date and the Beyond principal cardholder’s relationship with the Bank (e.g. Priority, Priority Private, or Private Banking), as recorded in the Bank’s records. The Beyond supplementary cardholder’s Earn Rate will be the same as the Beyond principal cardholder’s Earn Rate.
- To illustrate how the Rewards Points are credited, please refer to the example in the table below. For the purposes of this example, we have assumed that a Beyond Cardholder has made the following Qualifying Transactions within a statement cycle:
- S$1,000 local currency spends; and
- S$1,000 foreign currency spends; and
- S$1,000 overseas dining spends.
| BEYOND CARD ONLY (BASE REWARDS POINTS) | BEYOND CARD + BEYOND PRINCIPAL CARDHOLDER WITH
PRIORITY BANKING RELATIONSHIP + AUM WITH THE BANK
(BASE REWARDS POINTS+ ADDITIONAL REWARDS POINTS) | BEYOND CARD + BEYOND PRINCIPAL CARDHOLDER WITH PRIORITY PRIVATE/PRIVATE BANKING RELATIONSHIP + AUM WITH THE BANK
(BASE REWARDS POINTS + ADDITIONAL REWARDS POINTS) | |
|---|---|---|---|
| Local Currency Spends | S$1,000 x 3.75 =
3,750 Rewards Points | S$1,000 x 5.0 =
5,000 Rewards Points | S$1,000 x 5.0 =
5,000 Rewards Points |
| Foreign Currency Spends
(Excluding Overseas Dining) | S$1,000 x 7.5 =
7,500 Rewards Points | S$1,000 x 8.75 =
8,750 Rewards Points | S$1,000 x 10.0 =
10,000 Rewards Points |
| Foreign Currency Spends
(Overseas Dining only) | S$1,000 x 20.0 =
20,000 Rewards Points | ||
| Total Rewards Points earned | 11,250 Rewards Points | 13,750 Rewards Points | 35,000 Rewards Points |
| Credited in Current Statement (T statement date)
(Base Rewards Points) | 11,250 Rewards Points | 11,250 Rewards Points | 11,250 Rewards Points |
| Credited in Next Statement (T+1 statement date)
(Additional Rewards Points)
| – | 13,750 – 11,250 =
2,500 Rewards Points | 35,000 – 11,250 =
23,750 Rewards Points |
- For Qualifying Transactions charged in foreign currency to the Beyond Card, the transaction amount posted in the Beyond Card account (which is inclusive of the exchange rate conversion and commission, if any) will be considered as the Qualifying Transaction amount for the purpose of calculating the Rewards Points earned under the Beyond Card Rewards Programme.
Section 3 – Standard Chartered Beyond Credit Card Priority Pass Programme (“Beyond Card Priority Pass Programme”)
- This Beyond Card Priority Pass Programme is applicable to both Beyond principal cardholders and Beyond supplementary cardholders. Each Beyond principal cardholder and Beyond supplementary cardholder will be eligible for unlimited complimentary visits to airport lounges under the Priority Pass Lounge programme (“Priority Pass Lounges”) offered by Priority Pass (A.P.) Limited (“Priority Pass Lounge Programme”).
- Additionally, six (6) complimentary visits to Priority Pass Lounges for guests (each a “Guest Visit” and together the “Guest Visit Quota”) will be awarded per Beyond Card (i.e., a Beyond principal cardholder and his/her Beyond supplementary cardholder are together eligible for six (6) Guests Visits) per calendar year. The Guest Visit Quota may be shared between the Beyond principal cardholder and the Beyond supplementary cardholder (if any).
- No enrolment is required. Admittance to the Priority Pass Lounges is conditional on the presentation of a valid physical Beyond Card and mentioning “Priority Pass” to a Priority Pass Lounge receptionist. No Beyond Cardholder will be granted access to a Priority Pass Lounge without their valid physical Beyond Card or Priority Pass Digital Membership created on the Priority Pass app. For the avoidance of doubt, a digital Beyond Card is not eligible for this Programme.
- No guest will be granted access to a Priority Pass Lounge if not accompanied by a Beyond Cardholder. For the avoidance of doubt, each accompanying guest will utilise one (1) Guest Visit. Any additional visits by guests in excess of the Guest Visit Quota will be chargeable as per Clause 37.
- Guest Visit quota refreshes at the start of each calendar year on 1st January.
- To illustrate the utilisation and charges of the Beyond Card Priority Pass Programme, please refer to the example in the table below:
| DATE | DESCRIPTION OF ACTIVITY | REMAINING VISITS
(BEYOND PRINCIPAL CARDHOLDER) | REMAINING VISITS (BEYOND SUPPLEMENTARY CARDHOLDER) | REMAINING GUEST VISITS | CHARGES |
|---|---|---|---|---|---|
| 22 November 2024 | Beyond Card(s) approved | Unlimited | Unlimited | 6 | – |
| 28 November 2024 | Beyond principal cardholder and Beyond supplementary cardholder each utilises one (1) visit | Unlimited | Unlimited | 6 | – |
| 7 December 2024 | Beyond principal cardholder brings in four (4) guests to Priority Pass lounge | Unlimited | Unlimited | 2 | – |
| 15 December 2024 | Beyond supplementary cardholder brings in three (3) guests to Priority Pass lounge | Unlimited | Unlimited | 0 | 1* |
| 1 January 2025 | Guest Visit quota refreshes at the start of each calendar year. | Unlimited | Unlimited | 6 | – |
* charged at the prevailing Priority Pass Lounge entry rate
- The Beyond Cardholder is required to sign a receipt indicating the terms of usage, such as date of lounge entry and number of guests being brought into the lounge. In the case of any dispute, the Beyond Cardholder agrees that this receipt signed by him/her is valid and correctly reflects the number of guests he/she has brought into the Priority Pass Lounge.
- The Beyond Card will be charged by Priority Pass (A.P.) Limited for every subsequent visit in excess of the Guest Visit Quota. Such charges applicable for each subsequent visit will be at Priority Pass (A.P.) Limited’s prevailing rate which can be found at https://www.prioritypass.com/.
- If the Beyond Card is no longer active when the charges applicable for subsequent visits are posted, then the Bank reserves the right to charge such costs to any other valid, active credit card of the Beyond principal cardholder or any other account(s) held by the Beyond principal cardholder with the Bank.
- For the full list of airport lounges participating in this programme, you may visit https://www.prioritypass.com/.
- Priority Pass (A.P.) Limited’s terms and conditions apply. Please visit Priority Pass Conditions of Use for more information.
Section 4 – Standard Chartered Beyond Credit Card Complimentary Air Tickets Upgrade Programme (“Complimentary Air Tickets Upgrade Programme”)
- This Complimentary Air Tickets Upgrade Programme is applicable to the Beyond principal cardholder only.
- This Complimentary Air Tickets Upgrade Programme will commence on 22 November 2025 and remains valid until 31 December 2026, superseding the earlier programme.
- Two (2) Complimentary Air Tickets Upgrade redemption e-voucher codes would be issued and to qualify for each complimentary upgrade from Premium Economy Class Ticket to Business Class Ticket (hereinafter referred to as the “Complimentary Air Tickets Upgrade”):
- Tickets must be purchased and charged to a valid Beyond Card (including the Beyond principal cardholder as one of the travellers):
- One (1) paid Business Class ticket;
- One (1) paid Premium Economy Class ticket on non-restricted** fare;
- For the avoidance of doubt, to redeem two (2) Complimentary Air Tickets Upgrade on the same itinerary, two (2) paid Business Class ticket (including the Beyond principal cardholder as one of the travellers) must be purchased with two (2) paid Premium Economy Class tickets on non-restricted fare;
- All travel must start and end in the same city, with maximum one (1) layover and no stopovers allowed. “Layovers” refers to relatively brief breaks in the trip plan that last less than 24 hours. “Stopovers” refer to breaks in the trip lasting more than 24 hours;
- Open Jaws are not permitted. “Open Jaws” refers to flights to one city with return from another eligible city (e.g., A to B, C to A. If B and C are neighbouring airports in the same city, this will not be seen as open-jaw tickets.);
- The round trip must be completed within a period not exceeding three (3) months from the date of departure;
- The Beyond principal cardholder seeking to utilise the Complimentary Air Ticket(s) Upgrade must be one of the travellers on the itinerary;
- The travel companion(s) using the Complimentary Air Ticket(s) Upgrade must accompany the Beyond principal cardholder and share the same travel itinerary, with all tickets issued simultaneously;
- The Complimentary Air Ticket(s) Upgrade will be applied to the most restricted** Business Class fare only;
- To redeem the Complimentary Air Tickets Upgrade, the Beyond principal cardholder will be required to make the flight ticket booking via the Beyond Concierge and quote the redemption e-voucher code (“Air Ticket Code”) issued to them via SC Mobile prior to booking; and
- All travel arrangements must be ticketed within the country of the card issuance. All billing shall be conducted in Singapore Dollars.
- Tickets must be purchased and charged to a valid Beyond Card (including the Beyond principal cardholder as one of the travellers):
**Non-restricted fare refers to the most expensive fare of the Class ; Most restricted fare refers to the least expensive fare of the Class
- Each Air Ticket Code shall remain valid for a period of one (1) year from the date of issuance. After this period, any unused Air Ticket Code(s) will expire and will no longer be redeemable. Two (2) new Air Ticket Codes will be issued every year on the same date that the Beyond Card was approved by the Bank.
- In the event that the conditions specified in Clause 43 are not satisfied in the selected itinerary, for example, due to the unavailability of seats in the specified class and fare, the associated benefits shall not be applicable to the selected itinerary.
- This programme applies exclusively to airlines that provide both Premium Economy and Business Class options on the same itinerary.
- Flight bookings must be made at least 1 week in advance of outbound travel date. Reservations, ticketing and departures less than 1 week are not permitted.
- Open tickets, open returns, circle trips and round the world trips are not permitted.
- Complimentary Air Ticket(s) Upgrade is only applicable to airfares and does not include taxes, surcharges and any other fees. The Bank will pay the fare difference between the non-restricted Premium Economy Class ticket(s) and most restricted Business Class ticket(s). The Beyond principal cardholder is responsible for paying the taxes, surcharges and any other fees relating to the Complimentary Air Tickets Upgrade.
- At time of booking, all applicable taxes, surcharges and fees for paid and Complimentary Air Ticket(s) Upgrade will be charged to the Beyond Card.
- Complimentary Air Ticket(s) Upgrade are non-transferable and non-endorsable.
- Privileges associated with Complimentary Air Ticket(s) Upgrade cannot be combined or applied with other promotions, discounts, offers or internet fares.
- Itinerary change and refund are subject to the terms and conditions of the refund, cancellation and itinerary change policies of the airlines.
- Any requests for modifications to the booking shall be made no less than 72 hours prior to the scheduled time of departure. Requests for modifications or cancellations made within 72 hours of the departure time shall be deemed impermissible and will not be accommodated.
- Once paid and Complimentary Air Ticket(s) Upgrade is/are issued, any deviations and changes in routing by the Beyond principal cardholder will be at the Beyond principal cardholder’s expense. This includes
- Any applicable amendment or cancellation fees, taxes, and surcharges; and
- Any difference in ticket prices for both the paid and Complimentary Air Ticket(s) Upgrade.
- Once paid and Complimentary Air Ticket(s) Upgrade is/are issued, the Air Ticket Code(s) used for the upgrades shall be deemed as utilised. In the event of any cancellations, the Air Ticket Code(s) will be reinstated within 30 days.
- The respective airlines’ and Beyond Concierge’s terms and conditions, where applicable, apply.
Section 5 – Standard Chartered Beyond Credit Card Digital ALL Accor+ Explorer Membership (“ALL Accor+ Explorer Membership Programme”)
- Each Beyond principal cardholder with a SC Priority Private Banking or Private Banking relationship with the Bank is entitled to a 12-month ALL Accor+ Explorer membership from the time your Beyond Card was approved to the next renewal date (“Card Year”).
- This ALL Accor+ Explorer Membership Programme will start on 1 Oct 2025.
- The full list of participating ALL Accor+ Explorer properties across Asia Pacific can be found at accorplus.com/sg.
- Eligible Beyond principal cardholder will receive a redemption e-voucher code (“Accor Code”) from the Bank within seven (7) working days from the approval of the Beyond Card account or the Beyond principal cardholder attaining SC Priority Private Banking or Private Banking relationship status with Bank (whichever is later). To enjoy this exclusive privilege, the eligible Beyond principal cardholder must sign-up via ALL Accor+ Explorer membership dedicated landing page here with the Code issued via the SC Mobile app.
- Accor Codes cannot be cancelled once a redemption has been made. They are also non-refundable or extendable, and cannot be exchanged for cash, Reward points, or any other item.
- The terms and conditions governing ALL Accor+ Explorer membership programme apply and the ALL Accor+ Explorer Membership Terms and Conditions can be found on ALL Accor+ Explorer membership website. Variations to ALL Accor+ Explorer membership may apply at selected properties, please refer to the Membership Terms and Conditions page for more details. For any ALL Accor+ membership enquiries, please contact ALL Accor+ Explorer Member Care via the Member Help Centre.
Section 6 – Standard Chartered Beyond Credit Card “The Luxe Plate” Birthday Meal Programme (“Birthday Meal Programme”)
- Each Beyond principal cardholder is entitled to a complimentary birthday meal (“Birthday Meal”) at a 1 Michelin star rated restaurant.
- If the Participating Restaurant loses its 1 Michelin Star rating, a new restaurant with at least 1 Michelin Star will be sourced for the purpose of the Birthday Meal programme. The Birthday Meal programme will be halted till the new replacement restaurant can be onboarded.
- Each Beyond principal cardholder will be required to make their reservation with the Participating Restaurant directly and quote “Standard Chartered Bank Complimentary Birthday Meal” prior to their visit. Each Beyond principal cardholder can either make a reservation via the Participating Restaurant’s website or call the Participating Restaurant.
- All reservations made under Lerouy will be subjected to Lerouy’s reservation policy. For each reservation, a temporary holding fee of S$60 per pax for lunch or S$90 per pax for dinner will be placed on the Beyond Card. Should there be no shows or cancellations or a reduction in the number of diner(s) within 72 hours prior to the reservation date, the Beyond Card will be charged accordingly.
All reservations made under Nouri will be subjected to Nouri’s reservation policy. A post-cancellation fee of $328++ per person for Lunch or Dinner respectively, inclusive of the pre-deposit of $50++ paid will be charged for failure to cancel before 1800hrs, three days prior to principal cardholder’s reservation, or in the case of a no-show. The same will be applied for a reduction of 2 or more guests within the stipulated timeframe.
- Each Beyond principal cardholder will receive their Birthday Meal redemption e-voucher code (“Birthday Meal Code”) via the SC Mobile app shortly before their birth month.
- Each Beyond principal cardholder must present his/her Birthday Meal Code to the Participating Restaurant prior to start of their meal.
- The Birthday Meal Code is valid for a period of 2 months from the date of issuance by the Bank. The expiry date will be indicated in the Birthday Meal Code.
- Any other incidental charges (items that are not included as part of the Birthday Meal menu) will be billed to the Beyond Card directly by the Participating Restaurant. Payment is to be made with the Beyond Card only. Should the Beyond principal cardholder fail to present the Birthday Meal Code or pay with his/her Beyond Card, no redemption of the Birthday Meal will be permitted.
- This Birthday Meal is valid for dine-in only, and is not available for use on the Eve of Public Holidays, Public Holidays, and special festive days such as Valentine’s Day, Easter Sunday, Mother’s Day, etc. Blackout dates will also apply when the restaurant is closed for private events.
- This Birthday Meal is valid for one-time use per Card Year only.
- The Participating Restaurant’s terms and conditions, where applicable, apply.
Section 7 – Standard Chartered Beyond Credit Card “The Luxe Plate” Curated Dining Events Programme (“Curated Dining Events Programme”)
- The Bank will curate by-invite only dining events exclusively for Beyond principal cardholders.
- Each event is valid for pre-booking via the link in the private electronic invitation extended to Beyond principal cardholders from time to time and with advance full payment made using a Beyond Card. Bookings are available on a first come, first serve basis and any payments made are non-refundable in the event of a cancellation by the Beyond principal cardholder.
- The individual restaurants’ terms and conditions, where applicable, apply.
Section 8 – Standard Chartered Beyond Credit Card Airport Limousine Transfer Programme (“Airport Limousine Transfer Programme”)
- This Beyond Card Airport Limousine Transfer Programme is only applicable to Beyond principal cardholder with a Priority Banking, Priority Private or Private Banking relationship with the Bank.
- The provision of limousine services to and from airports only (“Airport Limousine Service”) is carried out by Teleport Asia Pacific Pte. Ltd.
- Each Beyond principal cardholder with a Priority Banking, Priority Private or Private Banking relationship with the Bank will be eligible for two (2) one-way transfers to or from an airport (“Limousine Service Entitlement”) per calendar year. For usage in Singapore, your two (2) Limousine Service Entitlements entitle you to two (2) one-way complimentary Airport Limousine Service transfers in either a Business Sedan or an MPV. For usage overseas, your entitlement under the two (2) Limousine Service Entitlements includes travel in either a Business Sedan or an MPV but will vary according to the city as the entitlement is based on the total distance to be travelled in each city and the complimentary transfer allowance applicable to that city. For overseas Airport Limousine Service transfers, you will be notified before the submission of your booking if you may be expected to pay any excess charges after taking into account your Limousine Service Entitlements. For overseas Airport Limousine Service transfers, it is possible that you may use both Limousine Service Entitlements per one-way trip.
- Each Beyond principal cardholder will receive a unique membership code via SC Mobile to access the booking portal within 14 working days from Beyond Card account opening or attaining a Priority Banking, Priority Private or Private Banking relationship with the Bank (whichever is later). Each Beyond principal cardholder can access the Limousine booking portal here with the unique membership code issued to utilise the Limousine Service Entitlements.
- Rates and charges provided at time of booking are based on estimated usage and final cost will be based on real usage. The Bank will only bear the cost of the Limousine Service Entitlements. Any vehicle upgrade fees, excess distance charges, midnight surcharges, baby/child seat rental, location surcharges, peak period surcharges and all other incidental charges, in excess of the Limousine Service Entitlements, will be chargeable to the Beyond principal cardholder’s Beyond Card.
- The Limousine Service Entitlement will be forfeited in the event of no-shows and for any cancellations made less than 24 hours prior to the scheduled pickup date and time. Any additional payment will be forfeited under these circumstances.
- Teleport Asia Pacific Pte. Ltd’s Terms and Conditions apply.