Saadiq Platinum credit card is designed to stay true to your beliefs.
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The Saadiq Platinum Murabaha credit card* gives you the confidence to manage your finances with ease. Free from over-limit, cash advance and late payment fees, you can now spend with no worries!

This internationally recognised credit card comes packed with exclusive privileges to suit your lifestyle. It’s easy to use and compliments your beliefs.


  • Buy 1 Get 1 App

    Over 500 ‘Buy 1 Get 1 Free’ dining, entertainment, and travel offers.

  • 20% off Careem Rides

    Two 20% discounted Careem rides per month plus your first ride FREE.

  • Up to 30% off at Cleartrip

    Big discounts on flight and hotel bookings anywhere in the world.

  • Spending Freedom

    You’ll NEVER be charged over-limit, cash advance or late payment fees.

Click here to learn how to save AED 9,390 per annum with the Saadiq Platinum Murabaha Credit Card.

Fees and Charges

Annual Fee Annual fee for
supplementary card(s)
Profit Rate -
Late Payment
Advance Fee
AED 300 AED 0
(AED 150 from 5th card)
3.25% per month AED 0* AED 0* AED 0*

Click here to find out more

*You will be charged profit rate on the revolved amount

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. Abdul Sattar Abu Ghuddah - A member of the Shariah Board of several Islamic institutions in various parts of the world.
  • 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.

Detailed Benefits

Mastercard Buy 1 Get 1 App*

The new Mastercard Buy 1 Get 1 app gives you access to over 500 UNLIMITED dining, entertainment, and travel offers.

  • Search for “Buy 1 Get 1” on the Apple App Store or Google Play Store
  • Sign up by entering your details and the first 8 digits of your Saadiq Platinum credit card.

For more information and terms and conditions, download the “Mastercard For You” app on iOS or Android

20% off Careem rides*

When you travel across the Middle East, your first ride with Careem is free, plus you get two 20% discounted rides per month.

  • Download the Careem app from the Apple App Store or Google Play Store
  • By selecting your Saadiq card as payment method, new Careem customers ride the first time for free
  • To enjoy the 20% discount, enter promo code MASTERCARD when booking

For more information and terms and conditions, download the “Mastercard For You” app on iOS or Android

Up to 30% off on travel with Cleartrip*

Travel the world for less by getting up to 30% off your flight and hotel bookings anywhere in the world with Cleartrip.

  • Visit
  • Enjoy the discount by using promo code MASTERCARD on the payment page

For more information and terms and conditions, download the “Mastercard For You” app on iOS or Android

Even more rewards with Priceless Cities

Priceless Cities gives you direct access to a variety of packages including restaurants, hotels and much more, tailored exclusively for Mastercard Platinum members like you.

Click here for details.

Airport Lounge access

Travel in style with Saadiq Platinum credit card. Use it for complimentary access to 10+ lounges - all you need to do is present your card and relax.

For more information and terms and conditions, please download the Mastercard For You app on iOS or Android

Sip on a free cup of coffee at Costa Coffee

Purchase a cup of fresh brew with your card, and treat a friend to a complimentary cup**.

Up to 10% off

Enjoy up to 10% off any time you wish to travel. Simply book with your Saadiq Platinum credit card and use the exclusive promo code SCBUAE10. Go to to make your next booking. T&Cs apply.

For a full list, visit or download “The Good Life” app on your smartphone.

Increased Security with Chip and PIN

Chip and PIN (Personal Identification Number) is a smart card payment system that provides an extra level of security on your credit card. The Standard Chartered Platinum credit card is Chip and PIN enabled. This means you will be required to enter your PIN in order to complete your transactions - giving you increased security when paying for retail transactions.

You can create or change your PIN by calling us on (+971) 600 5222 88 or by logging on to your Online Banking account.


To apply for this product you need to be 18+ years old and a United Arab Emirates resident with a monthly income of at least AED 5,000.

Terms and Conditions

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.

Costa Terms and Conditions

  • Valid only on coffee.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.