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  1. Credit Cards
  2. Apply For Saadiq Credit Card
  3. Apply for Saadiq Credit Card

Apply for a Smart Saadiq Credit Card online and earn up to AED 750 welcome cashback

Enjoy 0 annual fee, cash advance or late payment fees, AED 750 cashback and earn Rewards Points* on your spending.

Key Benefits
  • *Successfully apply online and get AED 750 cashback when you spend AED 12,000 in first 60 days or get AED 200 cashback when you spend AED 5,000 in first 60 days.
  • Access 1000+ airport lounges around 300 cities in the world with up to 8 complimentary visits per year*
  • Buy 1 get 1 offer on Costa Coffee and Xperience with the ENTERTAINER
  • Discounts on, Agoda, Bookingbash and complimentary travel insurance
  • Zero fee and charges on Easy payment plan and Zero over-limit fees.
  • Zero cash advance fees. You won’t be charged if you use your credit card at ATMs
  • Zero late payment fees. If you’re a little short of cash one month or simply forget to make a payment, there are no extra charges

Annual Fees:

  • 1st Year: No Annual Fee for New Credit Card Applicants.
  • 2nd Year Onwards:  Annual Fee is AED 315. Annual Fee will be waived if retail spends for the preceding 12 months exceeds AED 2,000 or equivalent.

*T&Cs apply


  • Monthly Salary of at least AED 8,000
  • Minimum Age is 21+ years
  • Must be a Resident of United Arab Emirates
  • If Salaried, you must have an official work email ID

Documents Required:

  • Copy of Emirates ID / Passport and Visa Copy