Beyond Credit Card

Beyond 1 million miles. A limited time exclusive.

Beyond the usual welcome, earn beyond 1 million miles for a limited time only. Spend with us, grow your wealth with us and refer your loved ones.

Spend with us

Earn up to

100,000 miles

Earn

60,000

miles

Earn

40,000

miles

Pay your card annual fee

Earn

60,000

miles

Meet minimum spend of S$20,000 within 3 months from card approval

Earn

40,000

miles

Grow your wealth with us

Earn up to

1,050,000 miles

Earn

200,000

miles

Earn

350,000

miles

Earn

200,000

miles

I’m a Priority Private client Priority Private

I’m a Priority Banking customer Priority Banking

New to SC client

Existing to SC client

Sign up for Priority Private with minimum S$1.5 million in fresh funds deposited to your Wealth$aver account. And complete an Accredited Investor declaration.

Earn

200,000

miles

Earn 10,000 miles for every S$100,000 in fresh funds deposited to your Wealth$aver account, up to S$2 million.

Earn

200,000

miles

Unit Trusts

Earn 12,500 miles for every S$100,000 invested in Unit Trusts (capped at S$2 million invested)

Earn

250,000

miles

Single Premium

Regular Premium

Earn 30,000 miles for every S$100,000 in Single Premium insurance policy placed with us, up to S$1 million.

Earn

300,000

miles

Earn 30,000 miles for every S$30,000 Annual Premium Equivalent Regular Premium insurance policy placed with us, up to S$300,000

Earn

300,000

miles

New to SC client

Existing to SC client

Earn

50,000

miles

Earn 10,000 miles for every S$100,000 in fresh funds deposited to your Wealth$aver account, up to S$500,000.

Earn

50,000

miles

Unit Trusts

Earn 12,500 miles for every S$100,000 invested in Unit Trusts (capped at S$2 million invested)

Earn

250,000

miles

Single Premium

Regular Premium

Earn 30,000 miles for every S$100,000 in Single Premium insurance policy placed with us, up to S$1 million.

Earn

300,000

miles

Earn 30,000 miles for every S$30,000 Annual Premium Equivalent Regular Premium insurance policy placed with us, up to S$300,000

Earn

300,000

miles

Refer your loved ones

Earn up to

200,000 miles

Earn

150,000

miles

Earn

50,000

miles

Priority Private Referral

Refer one new Beyond Credit Card¹ and Priority Private client.

Earn

150,000

miles

Priority Banking Referral

Refer one new Beyond Credit Card¹ and Priority Banking client.

Earn

50,000

miles

¹With card annual fee paid

Accelerate your rewards as you grow your Banking relationship with us

Travel Beyond
Complimentary Business Class upgrades	Enjoy two complimentary Business Class upgrades on renowned airlines when you purchase two Business Class tickets and two Premium Economy tickets via Beyond Concierge.
Unlimited Priority Pass airport lounge visits	Enjoy unlimited lounge visits for you and your Supplementary Cardholders, as well as an additional six complimentary visits for guests per year.
Travel Insurance	Complimentary coverage of up to USD 500k (includes travel inconveniences such as delays, missed connections, loss of baggage / medical expenses, medical evacuation and more) when you book your trips with Beyond Credit Card.
Hotel Elite Loyalty Status	GHA Discovery Titanium tier membership (including Capella, Kempinski, Pan Pacific, Parkroyal and more) Wyndham Hotels and Resorts Diamond tier (including Ramada, Wyndham, Trademark collection and more)
Hotel Elite Membership	Accor Plus Explorer Plus Membership (includes Pullman, Swisshotel, Sofitel, Novotel, Mercure and more)
Airport limousine rides	10
Dine Beyond
Birthday meal	As the principal cardholder, enjoy a complimentary birthday meal at a designated Michelin-starred restaurant* in Singapore, while accompanying loved ones enjoy 15% off.
The Luxe Plate	Enjoy 15% discount off at over 25 renowned restaurants in Singapore Indulge in an extraordinary culinary journey at our invitation-only The Luxe Plate event featuring Michelin-starred local and international chefs.
Held tables at top restaurants	Exclusive priority access and reservations at over 1,000 of the world’s finest dining venues, from Michelin-starred and The World’s 50 Best restaurants to sought-after spots across more than 140 cities.
Live Beyond
Golf	Four Complimentary Green Fees (including Sentosa Golf Club, Warren Golf and Country Club, Horizon Hills in Malaysia and other premium golf clubs across Southeast Asia Complimentary Golf lessons at Performance 360 Golf Academy
Online Purchase Protection	Peace of mind when shopping online with Purchase Protection against theft / accidental damage for up to 180 days, ID theft protection to ensure your personal data is safe
Income Tax Facility Programme	Pay your income tax and earn SC Reward Points with a one-time processing fee
Bank Beyond
Enjoy a world of expertise, service and privileges	SC-INSEAD trained Wealth Academy Senior Relationship Managers Private and internal Wealth Solutions Exclusive Privileges to Global Concierge, Complimentary APEC card, Complimentary Birthday Cake

Travel Beyond
Complimentary Business Class upgrades	Enjoy two complimentary Business Class upgrades on renowned airlines when you purchase two Business Class tickets and two Premium Economy tickets via Beyond Concierge.
Unlimited Priority Pass airport lounge visits	Enjoy unlimited lounge visits for you and your Supplementary Cardholders, as well as an additional six complimentary visits for guests per year.
Travel Insurance	Complimentary coverage of up to USD 500k (includes travel inconveniences such as delays, missed connections, loss of baggage / medical expenses, medical evacuation and more) when you book your trips with Beyond Credit Card.
Hotel Elite Loyalty Status	GHA Discovery Titanium tier membership (including Capella, Kempinski, Pan Pacific, Parkroyal and more) Wyndham Hotels and Resorts Diamond tier (including Ramada, Wyndham, Trademark collection and more)
Hotel Elite Membership	-
Airport limousine rides	2
Dine Beyond
Birthday meal	As the principal cardholder, enjoy a complimentary birthday meal at a designated Michelin-starred restaurant* in Singapore, while accompanying loved ones enjoy 15% off.
The Luxe Plate	Enjoy 15% discount off at over 25 renowned restaurants in Singapore Indulge in an extraordinary culinary journey at our invitation-only The Luxe Plate event featuring Michelin-starred local and international chefs.
Held tables at top restaurants	Exclusive priority access and reservations at over 1,000 of the world’s finest dining venues, from Michelin-starred and The World’s 50 Best restaurants to sought-after spots across more than 140 cities.
Live Beyond
Golf	Four Complimentary Green Fees (including Sentosa Golf Club, Warren Golf and Country Club, Horizon Hills in Malaysia and other premium golf clubs across Southeast Asia Complimentary Golf lessons at Performance 360 Golf Academy
Online Purchase Protection	Peace of mind when shopping online with Purchase Protection against theft / accidental damage for up to 180 days, ID theft protection to ensure your personal data is safe
Income Tax Facility Programme	Pay your income tax and earn SC Reward Points with a one-time processing fee
Bank Beyond
Enjoy a world of expertise, service and privileges	SC-INSEAD trained Wealth Academy Advisors Access to Wealth Solutions International Banking network, exclusive Privileges to Global Concierge, complimentary APEC card, curated birthday offers

Travel Beyond
Complimentary Business Class upgrades	Enjoy two complimentary Business Class upgrades on renowned airlines when you purchase two Business Class tickets and two Premium Economy tickets via Beyond Concierge.
Unlimited Priority Pass airport lounge visits	Enjoy unlimited lounge visits for you and your Supplementary Cardholders, as well as an additional six complimentary visits for guests per year.
Travel Insurance	Complimentary coverage of up to USD 500k (includes travel inconveniences such as delays, missed connections, loss of baggage / medical expenses, medical evacuation and more) when you book your trips with Beyond Credit Card.
Hotel Elite Loyalty Status	GHA Discovery Titanium tier membership (including Capella, Kempinski, Pan Pacific, Parkroyal and more) Wyndham Hotels and Resorts Diamond tier (including Ramada, Wyndham, Trademark collection and more)
Hotel Elite Membership	-
Airport limousine rides	-
Dine Beyond
Birthday meal	As the principal cardholder, enjoy a complimentary birthday meal at a designated Michelin-starred restaurant* in Singapore, while accompanying loved ones enjoy 15% off.
The Luxe Plate	Enjoy 15% discount off at over 25 renowned restaurants in Singapore Indulge in an extraordinary culinary journey at our invitation-only The Luxe Plate event featuring Michelin-starred local and international chefs.
Held tables at top restaurants	Exclusive priority access and reservations at over 1,000 of the world’s finest dining venues, from Michelin-starred and The World’s 50 Best restaurants to sought-after spots across more than 140 cities.
Live Beyond
Golf	Four Complimentary Green Fees (including Sentosa Golf Club, Warren Golf and Country Club, Horizon Hills in Malaysia and other premium golf clubs across Southeast Asia Complimentary Golf lessons at Performance 360 Golf Academy
Online Purchase Protection	Peace of mind when shopping online with Purchase Protection against theft / accidental damage for up to 180 days, ID theft protection to ensure your personal data is safe
Income Tax Facility Programme	Pay your income tax and earn SC Reward Points with a one-time processing fee

Frequently Asked Questions

How much is the annual fee? How can I check my banking relationship status? Can I apply for a Beyond Credit Card if I am a Personal Banking client? How can I upgrade my banking relationship to Priority Banking or Priority Private? If my banking relationship status changed in the middle of a card statement month, how will my Beyond Credit Card’s rewards earn rate be affected? I am a Priority Banking / Priority Private client. Why does the Rewards Points reflected on my latest card statement different from what I am supposed to receive? Is there a cap on the number of Rewards Points / Miles I can earn? How do I see the number of miles I earned in my latest card statement month? How do I convert my Rewards Points to miles?

How much is the annual fee?

There is an annual fee of S$1,500 (excluding GST) for the principal Beyond Credit Card, and no additional fees for supplementary Beyond Credit Card(s).

While the annual card membership fee for the Beyond Credit Card is not eligible for waiver, it grants access to Privileges that provide value well beyond the fee.

How can I check my banking relationship status?

Please log in to the SC Mobile App > Services. Your current banking relationship status will be reflected under your name.

Alternatively, you can reach out to your Relationship Manager.

Can I apply for a Beyond Credit Card if I am a Personal Banking client?

Yes you may, please refer to the section ‘Eligibility and Documents’ below.

How can I upgrade my banking relationship to Priority Banking or Priority Private?

To upgrade your banking relationship, please top up your SC current or savings account to a minimum account balance of S$200,000 (Priority Banking) or S$1,500,000 (Priority Private).

Upon hitting the relevant minimum account balance threshold, please log in to the SC Mobile App > Services > View all > Other Banking Services > Priority Banking Sign-up Request

Click here for more information.

If my banking relationship status changed in the middle of a card statement month, how will my Beyond Credit Card’s rewards earn rate be affected?

If you have updated your banking relationship status, the newly applicable rewards earn rate for you will only be applied in your next statement cycle and subsequently awarded in your following card statement cycle.

For example, if you are an existing Priority Banking client with a card statement dated 15 Jan, and your banking relationship was upgraded to Priority Private on 5 Jan. The Priority Banking rewards earn rate will still be applied to all of your Beyond Credit Card’s posted transactions from 5 to 15 Jan.

In your next card statement cycle ending 15 Feb, the new Priority Private rewards earn rate will be applied to all of your Beyond Credit Card transactions. And this will be awarded in your 15 Mar statement cycle.

I am a Priority Banking / Priority Private client. Why does the Rewards Points reflected on my latest card statement different from what I am supposed to receive?

Do note that only the Base Rewards Points will be credited in your current card statement, while Additional Rewards Points will be credited in your next card statement. Additional Rewards Points refer to all Rewards Points granted in excess of what a non-Priority Banking client receives for the equivalent transactions made.

Is there a cap on the number of Rewards Points / Miles I can earn?

The Beyond Credit Card offers miles (rewarded in Rewards Points) with no earning cap – delivering unparalleled rewards.

The current conversion will be every 25,000 Reward Points can be converted into 10,000 Singapore Airlines KrisFlyer miles.

How do I see the number of miles I earned in my latest card statement month? How do I convert my Rewards Points to miles?

Your miles will be credited in the form of Rewards Points. You may refer to the bottom of your latest card statement to view the number of Rewards Points earned for the latest card statement month.

To convert your Rewards Points to miles, please head to our 360 Rewards Redemption Platform here. T&Cs apply.

Eligibility & Documents

Singaporean Citizens & PR Foreigners

Application Eligibility

Aged: 21 years and above
Minimum annual income: S$200,000

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.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:

Copy of NRIC (front and back)
Latest computerised payslip OR
Latest 6 months’ CPF Contribution History Statement OR
To be considered for a higher credit limit, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For self-employed

Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)

For commission earner (any one from below)

Latest 3 months payslip + Latest income tax notice of assessment
Latest 6 months CPF contribution history statement
Latest 3 months payslip
Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Application Eligibility

Aged: 21 years and above
Minimum annual income: S$200,000
Must hold a Singapore Employment Pass

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.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:

Copy of Passport (with at least 6 months’ validity)
Copy of your Employment Pass (with at least 6 months’ validity)
Any ONE of the following documents:

(i) Latest utility bill, rates or tax bill

(ii) Latest bank / credit card statement (e-Statements are accepted)

(iii) Rental agreement showing your address

(iv) Latest mobile phone statement or pay-TV statement

(v) Letter from employer stating current address

(vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)

Additional Documents:

For Salaried Employees/Partial Commission-based Earners

Latest computerised payslip

To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners

Copy of NRIC (front and back)
(i) Latest Income Tax Notice of Assessment (NOA) OR

(ii) Latest 3 months of Commission Statement from same employer

For Self-employed

Latest Income Tax Notice of Assessment (NOA)

Fees and Charges

Annual Fees

Principal card: S$1,500 (excluding GST)

Finance Charges

Effective Interest Rate (“EIR”): 27.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

Your cash advance fee per transaction is 8% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment.

Late Payment Charges

A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.

For more details on all other applicable fees and charges, please click here.

Terms & Conditions

Useful Information

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here
If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000. Free Credit Report If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website or at their registered office. You will need the following documents to obtain the free credit report:Card carrier that comes with your credit card
NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg
*Note: The free credit report is not available for renewed or replaced cards.

Beyond 1 million miles. A limited time exclusive.

Miles ahead

Enjoy Privileges Beyond Measure

Travel Beyond

Travel Beyond

Exclusive travel membership

Unlimited Priority Pass airport lounge visits

Airport limousine rides

Travel Insurance

Dine Beyond

Dine Beyond

A gastronomic journey with The Luxe Plate

Held tables at top restaurants

Live Beyond

Live Beyond

Purchase Protection

ID Theft Protect

Mastercard Global Emergency Services

Bank Beyond

Bank Beyond

International Banking

Private wealth solutions

Global experiences

Accelerate your rewards as you grow your Banking relationship with us

Frequently Asked Questions

Eligibility & Documents

Application Eligibility

For Existing Standard Chartered Credit Cardholders

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

For salaried employees:

For self-employed

For commission earner (any one from below)

Application Eligibility

For Existing Standard Chartered Credit Cardholders

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

Please prepare the following:

Additional Documents:

For Salaried Employees/Partial Commission-based Earners

For 100% Commission-based Earners

For Self-employed

Fees and Charges

Terms & Conditions

Useful Information

Disclaimer