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Say hello to zero fees when you sign up for the Saadiq Platinum card*

Introducing Saadiq Platinum

You’ll never be charged annual fee*, over-limit, cash advance or late payment fees. This internationally recognised credit card comes packed with exclusive travel perks, and privileges to suit your lifestyle. It’s easy to use and complements your beliefs.

Credit Card Features

Get even more with your Saadiq Platinum Credit Card.

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Fees & Charges

Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable.

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
 *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. For more details on all other applicable fees and charges, please click here.

Eligibility & Documents


  • Age 21 to 60 years old
  • Minimum Monthly Income AED 5,000


  • Copy of Emirates ID / Passport and Visa copy
  • Salary Transfer Letter or Bank Statement/Salary Certificate

    Refer to application form for details


  • What is the Murabaha Concept?

    It’s essential to follow your principles, and the Saadiq Platinum 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.


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.