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Zero-Fee Saadiq Credit Card for UAE
Saadiq credit card
  1. Credit Cards
  2. Saadiq Credit Card

Saadiq Credit Card

Enjoy the benefits of the Shariah-compliant Saadiq credit card with zero annual, cash advance or late payment fees.

Saadiq Card Benefits

  • for the first year

  • if you go over your credit card limit

  • airport lounges in over 300 cities with 8 free visits per year

  • even if you forget to make a payment

Credit Card Features

Buy 1 Get 1 at Costa Coffee

Get a hot or cold coffee on us with the Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE.

Zero Cash Advance Fees

If you need to use your credit card at an ATM, you won’t be charged with a cash advance fee.

Up to 8% off at Hotels.com*

Enjoy this exclusive discount when you book on hotels.com with your Cashback credit card. Use the exclusive promo code VISA8.

Up to 12% off on Agoda Hotel Bookings and Holiday Rentals*

Enjoy up to 12% discount with your Saadiq credit card at many hotels and vacation rentals worldwide.
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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.

*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.
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