Standard Chartered Beyond Credit Card (Priority Private)
Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m)
Apply for Standard Chartered Beyond Credit Card (Priority Private) →Last updated 6 August 2026 · Reviewed by Raymond, Rates.my
Standard Chartered Standard Chartered Beyond Credit Card (Priority Private) overview
The Standard Chartered Standard Chartered Beyond Credit Card (Priority Private) is a Private-tier Visa miles card built around air miles. Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m). It best suits high-income earners, with a minimum income requirement of RM250,000 a year. It has an annual fee of RM2000 (free 1st year; then waived while maintaining sc priority private (aum ≥ rm3,000,000).). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓15x 360° Rewards Points per RM1 on overseas dining & shopping, 10x on other overseas spend, 1x local
- ✓Unlimited airport lounge access for principal + supplementary cardholders, plus 1 complimentary guest per visit
- ✓6 airport transfers/year via Grab, up to RM100/ride discount
- ✓1 complimentary Malaysia Airlines Business Class upgrade/year (Asia routes, requires Business + top-fare Economy ticket purchase)
- ✓Travel & medical insurance up to RM50,000
- ✓Up to 60% cashback at MICHELIN Guide / selected restaurants via the time-limited 'Priority Dining Privileges' campaign (1 Jul–31 Dec 2026, capped RM600/month) — see fine print
Is the Standard Chartered Beyond Credit Card (Priority Private) worth it?
The Standard Chartered Beyond Credit Card (Priority Private) is best suited to high-income earners — its minimum income requirement is RM250,000 a year (about RM20,833 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (free 1st year; then waived while maintaining sc priority private (aum ≥ rm3,000,000).)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −RM2000 annual fee unless the waiver condition is met
- −Higher income requirement — RM250k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Standard Chartered sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Standard Chartered Beyond Credit Card (Priority Private), in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- Unlimited airport lounge visits (principal + supplementary, 1 guest/visit); 6 airport transfers/year via Grab, capped RM100/ride; 1 Malaysia Airlines Business Class upgrade/year (Asia routes only).
- Foreign transaction fee
- Converted at the Visa/Mastercard rate on the processing date, plus a 1% SC administration fee on the converted Ringgit amount — confirmed bank-wide in SC's official Fees and Charges booklet (Ref. No. 202608v49); no exemption for this tier is stated anywhere official.
- ⚠Launched 5 Feb 2026 as a distinct metal card for Priority Private members only — it is not a renamed/rebadged version of any prior card
- ⚠The Business Class upgrade requires buying the highest-fare-bucket Economy ticket alongside a Business ticket — it isn't a free-standing upgrade voucher
- ⚠The advertised 'up to 60% dining cashback' is the same time-limited 'Priority Dining Privileges' campaign as the Priority Banking tier (1 Jul–31 Dec 2026) — at this AUM tier (RM3m+) the 60% rate applies without the wealth-product condition the lower tier needs, capped RM600/month, RM200 per-transaction cap, RM200 minimum spend
- ⚠Losing Priority Private status (AUM < RM3,000,000) loses both the fee waiver and every benefit above
Verified 6 August 2026. Summarised in our own words from Standard Chartered's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Standard Chartered Beyond Credit Card (Priority Private)terms & product disclosure →Standard Chartered Beyond Credit Card (Priority Private) FAQ
You need a minimum annual income of RM250,000 (about RM20,833 a month). Standard Chartered also considers your overall credit standing.
The annual fee is RM2000, but it can be waived: free 1st year; then waived while maintaining sc priority private (aum ≥ rm3,000,000)..
It earns air miles. Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m).
No — the Standard Chartered Beyond Credit Card (Priority Private) is a conventional credit card. Check with Standard Chartered for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m)". Weigh the RM2000 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Standard Chartered Beyond Credit Card (Priority Private) compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with Standard Chartered before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Standard Chartered; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.