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Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

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Enjoy zero fees. Enjoy zero fees with the Shariah-compliant Saadiq credit card.
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  1. Credit Cards
  2. Apply For Saadiq Credit Card

Saadiq Credit Card

Enjoy 0 annual fee, cash advance or late payment fees, up to AED 750 cashback and more.

Smart Saadiq Card Benefits

  • Apply now and earn up to
    AED 750

    Cashback as a welcome reward1

  • Get 20% discount on
    Talabat

    . Read More

  • Earn
    360° Rewards Points

    When you spend AED 1,000 or more per month

  • Pay
    No Fee

    On Annual Fee**, Late payment and Overlimit

Credit Card Features

Access to more Entertainment*

Access to more Entertainment* Download the BookingBash application and get the Pro membership (worth up to AED499) as complimentary with your Smart Saadiq credit card, and avail of substantial discounts on theme parks, museums, cruises, and safaris to indoor activities, BookingBash is your gateway to a world of excitement.

Enjoy 20% off with Talabat

Get 20% discount up to AED 20 per order, with a minimum order of AED 50. Enjoy on maximum of two orders per month. Promo code “SCB20”. Read More

Points-to-miles Like No Other

Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes. Read More

Purchase With Rewards

Enjoy a seamless purchase experience. Instantly pay for your next purchase with your  Rewards Points, directly. Read More
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Application Eligibility

  • Age 21 to 60 years old
  • Minimum Monthly Income AED 8,000

Documents Required

  • Copy of Emirates ID / Passport and Visa copy
  • Salary Transfer Letter or Bank Statement/Salary Certificate
    Refer to application form for details

Application Eligibility

  • Age 21 to 60 years old
  • Minimum Monthly Income AED 8,000

Documents Required

  • Copy of Emirates ID
  • Salary Transfer Letter or Bank Statement/Salary Certificate
    Refer to application form for details

Annual fee for new customers

AED 315 (first year free)**

Annual Fee for Supplementary card(s)

Free (AED 157.50 from 5th card onwards)

Profit Rate- Retail

3.45% per month***

Late Payment Fee

AED 0

Over Limit Fee

AED 0

Cash Advance Fee

AED 0

For more details on all other applicable fees and charges, please click here. Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable. **Primary credit card Annual Fee from the second year onwards will be waived if retail spends for the preceding 12 months exceeds AED 2000 or equivalent. ***You will be charged profit rate on the revolved amount.

It’s essential to follow your principles, and the Saadiq credit card is designed to stay true to your beliefs, no matter where you are.

According to the ‘Murabaha’ concept, which means a trade transaction, you will only be charged a profit rate on the amount that you carry forward to next month. This structure has been reviewed and approved by an independent Shariah Supervisory Committee, comprising of three of the world’s most renowned and respected scholars in the field of Islamic Banking.

Dr. Aznan Hasan – He is currently the President of the Association of Shariah Advisors in Islamic Finance (ASAS). He serves as a Shariah Advisor and Shariah Consultant to several international and local financial institutions, government bodies and corporations.

Sheikh Nizam Yaqubi – Holds highly respected positions on the Shariah Boards of many Islamic institutions worldwide.
Dr. Mohamed Ali Elgari – Expert at Islamic Jurisprudence Academy and as a Shariah Advisor to several Islamic financial institutions.

Compared to any other credit card rewards programme in the UAE, 360° Rewards lets you earn Rewards Points faster on the Standard Chartered Smart Saadiq Credit Card.

  • First visit to the airport lounge in a calendar year is complimentary. To utilise the subsequent complimentary 7 visits in the same calendar year, a client needs to make a minimum international spend of USD 1 or equivalent.
  • To activate the remaining 7 subsequent visits, the international spend must be done 15 days before you travel, and automatically the (all) remaining visits access will be unlocked for the remaining calendar year period (January to December).
  • Any visit beyond the first complimentary visit, and if the spend criteria is not met, then the cardholder will be charged $32 per usage on the used card.
  • Any visits beyond the (total)8 complimentary visits in the same year will be charged to your card.
  • The annual lounge visit entitlement and the requirement to meet the eligibility condition will reset from 1 January in subsequent years
  • To view details of your free allocation, the lounges in the program, and to sign up for the mobile app, visit https://www.loungekey.com/en/visamena/our-lounges
  • As part of the default option, any lounge visits outside Visa Lounge entitlement will need to be paid for by the Cardholder (Visit will be charged directly to the card by LoungeKey)

*Please refer to the terms and conditions for full offer details, including cover, conditions, limits and exclusions. Read More
  • Credit cards are issued at the sole discretion of the Bank and subject to the Bank’s approval criteria. Standard Chartered Bank is not responsible for the content, security, operation, or use of any Third Party Sites (app) or the products or services that may be offered or obtained through them. Applicable Third Party vendor fees/charges may incur VAT.
hot melted choclate poured on the muffin alongside raspberries signifying treats that one's get with saadiq credit card

THE GOOD LIFE PRIVILEGES

Discover 100+ offers and privileges with your credit card.

aeroplane seen on top of skyscraper buildings in the backdrop of blue sky

A WORLD OF ZERO WORRIES

Enjoy exclusive privileges with Smart Saadiq credit card

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