Standard Chartered Beyond Card Bonus MCC Categories
The Standard Chartered Beyond Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. All Spend (relationship tiers) — 1.5-2.0 local / 3.0-8.0 FCY MPD
Standalone: 1.5 local / 3.0 FCY. Priority Banking (S$200k): 2.0/3.5. Priority Private (S$1.5M fresh funds): 2.0 local / 8.0 FCY dining / 4.0 FCY others. Tier changes lag one statement cycle.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| All Spend (relationship tiers) | All | Overseas dining (Priority Private), Overseas retailers, Travel spend |
Tips to Maximize Standard Chartered Beyond Card Rewards
- The S$1,635 annual fee is strictly non-waivable and charged regardless of usage
- Renewal gift of 80,000 miles requires fee payment + S$200k AUM by month-end after the open month; cancellation reverses it
- Uncapped earn with no spending cap per the issuer FAQ
- Welcome "Beyond 1 Million Miles": 100k miles via fee + S$20k spend in 3 months
Frequently Asked Questions
Which MCCs are excluded from SC Beyond?
SC's shared Retail Transaction Exclusions list applies (35 codes): 4829, 4900, 5047, 5199, 6012, 6050, 6051, 6211, 6513, 6529, 6530, 6534, 6540, 7299, 7349, 7511, 7523, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405.
Who qualifies for SC Beyond?
Distributed through Priority Private (min S$1.5M fresh funds) and Priority Banking (S$200k) channels; current FAQ allows Personal Banking clients to apply subject to eligibility.
Is SC Beyond good for miles?
Only with a Priority Private relationship (8 MPD on FCY dining is exceptional). Without it, 1.5/3.0 MPD for S$1,635/year is poor value versus 4 MPD cards.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.