The Standard Chartered Beyond Card, launched in November 2024, is a premium card offering various perks such as unlimited airport lounge access, complimentary limo transfers, and Business Class upgrades. It also provides the highest earn rates of any general spending card in Singapore, with up to 2 mpd on local spend and 4 mpd on overseas spend. The card comes with a welcome bonus of 100,000 miles for customers who spend at least S$20,000 within 90 days of approval, which has been extended till 30 September 2025.
The welcome offer is broken down into 60,000 miles for paying the S$1,635 annual fee and 40,000 miles for meeting the minimum spend requirement. This offer is available to both new and existing StanChart credit card customers. However, the high minimum spend requirement of S$20,000 may be a hurdle for some, and other cards may offer better returns for those who can meet the eligibility criteria.
The bonus miles will be credited within 60 working days of approval for the annual fee and within 60 working days after the 90-day spending period ends for the minimum spend. Qualifying spend excludes charitable donations, education expenses, government transactions, and utilities, among others. Cardholders must spend at least S$20,000 within 90 days of approval to qualify for the bonus miles.
The StanChart Beyond Card has a S$1,635 annual fee and a minimum income requirement of S$200,000 p.a. The earn rates and benefits depend on the cardholder’s status with the bank, with higher earn rates and more benefits available to Priority Banking and Priority Private customers. The card also offers a 360° Rewards Points program, which allows cardholders to transfer points to partner airlines and hotels, including Cathay Pacific Asia Miles.
Overall, the StanChart Beyond Card’s 100,000 miles welcome offer can help offset the high annual fee, but the minimum spend requirement may be a significant hurdle for some. It may be worth waiting to see if Standard Chartered lowers the minimum spend later this year. The card’s benefits and earn rates make it a competitive option for those who can meet the eligibility criteria and utilize the card’s features.
The conversion ratio for the 360° Rewards Points program is as follows:
– Tier 1 cards (StanChart Beyond, Journey, Visa Infinite, Priority Visa Infinite) enjoy a preferential conversion ratio of 25,000 : 10,000 and 34,500 : 10,000.
– Tier 2 cards have the same conversion ratio as Tier 1.
Points pool within each tier, but cannot be combined across tiers. Transfers cost S$27.25 each, regardless of the number of points transferred.
In conclusion, the StanChart Beyond Card’s welcome offer has been extended, but the high minimum spend requirement may be a barrier for some. The card’s benefits and earn rates make it a competitive option for those who can meet the eligibility criteria and utilize the card’s features. It is essential to carefully consider the card’s terms and conditions before applying.