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
First Preferred Credit Card
Rs 999Annual fee
Rs 2,50,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter
- Access is subject to a spend threshold of ₹75,000 in the previous calendar quarter.
- Priority Pass or LoungeKey membership for the primary cardmember
- 4 complimentary international lounge visits per calendar year
1.75%Forex markup
Best for
Travel, Dining, Lounge, Movies, Golf
Top rewards
Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent
| Feature | Beyond Credit Card | First Preferred Credit Card |
|---|---|---|
| Issuer | Standard Chartered | YES Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 15,000 | Rs 999 |
| Annual fee | Rs 25,000 | Rs 999 |
| Fee waiver spend | - | Rs 2,50,000 |
| Reward type | 360° Rewards Points | YES Rewardz Points |
| Best for | Priority Banking, Travel, Lounge, Golf, Dining | Travel, Dining, Lounge, Movies, 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 | Travel Spends: 16 YES Rewardz Points / ₹200 spent; Dining Spends: 16 YES Rewardz Points / ₹200 spent; Other Retail Spends: 8 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 8 |
| International lounge | Unlimited | 4 |
| Forex markup | 2% | 1.75% |
| Milestone benefits | Annual fee waiver subject to Funds Under Management (FUM) criteria in the last 3 months prior to fee levy | Not Listed |
| Redemption | Not Listed | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges), Fuel transactions | fuel spends, rental payments, wallet loading transactions, government transactions, marketing and advertising services, cash advances / cash withdrawals |