Beyond Credit Card
Rs 25,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- Unlimited domestic and international lounge access is provided for the cardholder, plus 4 complimentary guest visits per year.
2%Forex markup
Best for
Priority Banking, Travel, Lounge, Golf, Dining
Top rewards
Other Retail Spends: 5 reward points / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 spent
Icon Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the previous calendar quarter
2%Forex markup
Best for
Dining, Travel, Lounge, Golf
Top rewards
Dining Spends On Weekends: 20 Reward Points / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent
| Feature | Beyond Credit Card | Icon Credit Card |
|---|---|---|
| Issuer | Standard Chartered | RBL Bank |
| Network | Visa | Visa |
| Joining fee | Rs 15,000 | Rs 5,000 |
| Annual fee | Rs 25,000 | Rs 5,000 |
| Reward type | 360° Rewards Points | Reward Points |
| Best for | Priority Banking, Travel, Lounge, Golf, Dining | Dining, Travel, Lounge, Golf |
| Top reward categories | Other Retail Spends: 5 reward points / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 spent | Dining Spends On Weekends: 20 Reward Points / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 8 |
| International lounge | Unlimited | 0 |
| Forex markup | 2% | 2% |
| Milestone benefits | Annual fee waiver subject to Funds Under Management (FUM) criteria in the last 3 months prior to fee levy | Earn 10,000 bonus reward points on annual spends of ₹3 Lakhs, Earn additional 15,000 bonus points on annual spends of ₹5 Lakhs, Earn additional 20,000 bonus points on annual spends of ₹8 Lakhs |
| Redemption | Not Listed | Not Listed |
| Key exclusions | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges), Fuel transactions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading |