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

Saadiq Credit Card

Enjoy the benefits of this Shariah-compliant credit card that is designed keeping you in mind.

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.

Medical and Travel Coverage*

With multi-trip travel coverage, Saadiq Cardholders and their families are covered on all trips up to 90 days in duration.

Visa Concierge Service*

From restaurant reservations to planning a special occasion, enjoy 24×7 personalised services with Visa Concierge.
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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.

  1. All successful credit card applications will be eligible for cashback* (“the Offer”).
  2. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1 September to 31 October 2021 (“the Offer Period”).
  3. Existing Standard Chartered clients currently holding any Standard Chartered issued credit card are not eligible for the Offer.
  4. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq and X credit cards.
  5. Credit card applications received via sales representatives will not be eligible for the Offer.
  6. The Bank will credit cashback to the client’s credit card statement, once the required spend amount has been met.
  7. Clients will have until 31 December 2022 to meet the spend requirement as stated in the below grid
  8. Clients who have met the spend requirement as stated in the below grid will receive the Cashback* by 31 January 2022.
  Applications received via SC Mobile app directly or Website Form Applications received via Sales Representatives Spend Requirement
Visa Infinite AED 1,000 Not eligible for Cashback AED 10,000
  • Saadiq
  • Cashback
  • X
  • Manhattan Rewards +
AED 500 Not eligible for Cashback AED 5,000
  1. The ‘spend requirement’ must be on credit card retail purchases, Point-Of-Sale and online transactions (within or outside the UAE).
  2. The following type of transactions are not eligible: transactions at exchange houses, cash withdrawals, Balance Transfers, Fixed Payment Plans, School Fee Cashier Order and Smart Payment Plans.
  3. This Offer is not valid in conjunction with any other special promotion or other reward periodical campaign.
  4. The Bank reserves the right in its sole discretion to cancel, terminate, modify or suspend this Offer and to disqualify any participant who tampers with the offer and/or the entry process.
  5. These terms and conditions should be read together with the Client Terms com/ae/terms-and-conditions and Credit Card Terms and Conditions https://av.sc.com/ae/content/docs/tccc.pdf These terms and conditions are governed by the laws of the United Arab Emirates and any dispute will be subject to the exclusive jurisdiction of the court of United Arab Emirates
  • The Cardholder is entitled to 8 lounge visits (Cardholder only) in a calendar year
  • To be eligible for the complete entitlement of 8 visits, the Cardholder needs to complete one (1) international transaction in each calendar year (Minimum transaction value of USD 1 at Point of Sale transactions including Face to Face, E Commerce, MOTO or Recurring transactions where Issuer is not located in the country of transaction; Spend may take up to 15 days to register with LoungeKey)
  • The Cardholders will be initially assigned one (1) complimentary visit each year prior to meeting the Eligibility Condition
  • Upon successfully satisfying the eligibility condition, the Cardholder becomes eligible for the 7 additional visit entitlement for the year.
  • Annual lounge visit entitlement and the requirement to meet the eligibility condition will reset from 1 Jan in subsequent years
  • 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)
  • The Issuer has the option to customize the Visa lounge offering
  1. All successful credit card applications will be eligible for an Amazon.ae Gift Card* (“the Offer”).
  2. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 5 April to 31 May 2021 (“the offer period”).
  3. Existing Standard Chartered clients currently holding any Standard Chartered issued credit card are not eligible for the below offer.
  4. Eligible credit cards will be Visa Infinite, Manhattan Rewards +, Cashback and Saadiq credit cards.
  5. Credit cards applications received via sales representatives will not be eligible for an Amazon.ae Gift Card* (“the Offer”).
  6. The Bank will email the Amazon.ae Gift Card* to the client’s registered email address, once the required spend amount has been met.
  7. Clients will have until 31 July 2021 to meet the spend requirement as stated in the below grid
  8. Clients who have met the below spend requirement as stated in the below grid will receive the Amazon.ae Gift Card* by 31 August 2021.
    Credit Card Name Applications received via SC Mobile app directly or Website Form Applications received via Sales Representatives Spends Requirement
    Visa Infinite AED 1,500 Not eligible for an Amazon.ae Gift Card AED 10,000
    Cashback Saadiq Manhattan Rewards + AED 500 Not eligible for an Amazon.ae Gift Card AED 5,000
  1. The ‘spend requirement’ must be on credit card retail purchases, Point-Of-Sale and online transactions (within or outside the UAE).
  2. The following type of transactions are not eligible: transactions at exchange houses, cash withdrawals, Balance Transfers, Fixed Payment Plans, School Fee Cashier Order and Smart Payment Plans.
  3. This offer is not valid in conjunction with any other special promotion or other reward periodical campaign.
  4. The Bank reserves the right in its sole discretion to cancel, terminate, modify or suspend this offer and to disqualify any Participant who tampers with the offer and/or the entry process.
  5. You acknowledge that the offer is in no way sponsored, endorsed or administered by, or associated with any other third party, and any and all personal information/data provided by you is to the Bank.
  6. This Terms should be read together with the Client Terms sc.com/ae/terms-and-conditions and Credit Card Terms and Conditions www.sc.com/ae/credit-cards/.
  7. These Terms and Conditions are governed by the laws of the United Arab Emirates and any dispute will be subject to the exclusive jurisdiction of the court of United Arab Emirates.
  8. *Restrictions apply, see ae/gc-legal.
  1. The offer is valid for only New To Bank or New To Product credit card applications from the period starting from 1st April to 31st May 2021 (“the offer period”).
  2. The Balance Transfer (BT) facility will be offered for a 6-month tenure and will have to be booked between 12th April till 15th June 2021 to avail the 0% processing fee & 0% interest offer
  3. Existing Standard Chartered Bank clients currently holding any Standard Chartered Bank issued credit card are not eligible for the below offer.
  4. Eligible credit cards will be Visa Infinite, Manhattan Rewards+, Cashback & Signature X credit cards.
  5. There is no fixed instalment to be paid every month, however payment of minimum amount due as per the statement is required
  6. There will be no processing fee which will be charged to your credit card account, when the balance transfer amount is debited from the credit card’s available limit.
  7. The 180 days will be calculated from the day the loan amount is debited from the credit card available limit irrespective of your billing and due date
  8. After 180 days, the remaining balance of the loan amount will be added to the card outstanding balance and normal credit card interest rate will be charged.
  9. Any payment towards the credit card within the loan period first pays off any Equal Monthly Instalments (EMI) due in the month ,then, all fees and interest are cleared, followed by 1% of the Balance Transfer outstanding, 1% if the Smart Payment Plan outstanding and 1% of retail outstanding in that order.
  10. The remaining amount of payment will go towards clearing 100% of the Retail outstanding followed by Balance Transfer and Smart Payment plan.
  11. The amount taken from the Balance Transfer will be blocked on the credit card. The blocked amount will be released upon each monthly payment made.
  12. The Balance Transfer will not be processed in case the retail balance is less than the amount for booking at the time of processing the plan. Hence, credit card balance should be maintained till the funds get transferred to your personal account
  13. Processing time for the loan is approximately 2 to 3 working days
  14. Balance Transfer request will be processed subject to clearance at beneficiary Bank
  15. The Bank has the sole discretion to accept or reject any Balance Transfer application.
  16. The Balance Transfer transaction amount(s) will be debited to the Standard Chartered Credit Card and will be remitted to the other bank within the United Arab Emirates (“UAE”) by way of a Central Bank transfer within 3 working days from the date of approval of the application.
  17. Payments to the other banks should continue to be made until the balance has been transferred.
  18. The Bank will not be liable for payment of any overdue charges, late payment fees, finance charges, or any other charges/liabilities on other credit cards mentioned above that may occur due to any payment delay.
  19. The interest rate applied on the Balance Transfer outstanding amount shall be 0% (Zero %), for a period of six months from approval of the application, where after the period of six months the prevailing base interest rate will apply. All other outstanding on the credit card account shall continue being levied interest at the prevailing interest rate.
  20. The Bank reserves its right to cancel the offer and charge interest on the transferred amount at the prevailing interest rate from the Balance Transfer date, in the event of failure to pay the minimum amount due on the payment due date.
  21. It is important to set the monthly “Minimum Amount Due” payment at less than 100% to avail the lower interest rate. Otherwise 100% of the outstanding will be cleared when the standing instruction is executed.
  22. All credit card transactions made during the tenor of the Balance Transfer will accrue interest from the transaction date till the payment date, at the card’s interest rate. This will reflect in the following month’s statement.

*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.
Saadiq platinum ujrah inline banner x v
Saadiq platinum ujrah inline banner x v
New hire salary for employees
New hire salary for employees
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