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This is to inform that by clicking on the hyperlink, you will be leaving sc.com/ae and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

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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X Cashback Credit Card
X Cashback Credit Card
  1. Credit Cards
  2. X Credit Card

X Credit Card

Enjoy cashback and rewards with your online, mobile wallet as well as international transactions like never before.

Tap Into Benefits Everyday

  • cashback on all online & offline foreign currency spends

  • cashback on all your AED online purchases and bill payments

  • cashback on all mobile wallet spends

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

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.

25% Off for YQ’s Specialist Airport Assist Services*

Ease your trip at 450+ destinations. Includes customs & immigration clearance, limo transfers, visa on arrival services and more.

Up to 8% Off at Hotels.com*

Enjoy this exclusive discount when you book on hotels.com with your X 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 X 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 clients

AED 525 (first year free)

Annual fee supplementary card (s)

Free (AED 105 from 3rd card onwards)

Finance charges

Retail: 3.45% per month

Please click here for more details on all other applicable fees and charges. Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable.
Cashback on Online Spends Terms and Conditions

Save more when you spend online with the Platinum X credit card. You will be rewarded for all your online transactions in AED. For example:

All ride hailing apps (e.g. Careem)

All travel booking sites (e.g. tajawal.ae)

All food delivery apps (e.g. Deliveroo)

All shopping sites (e.g. souq.com)

– and everything else you can think of that’s online.

Cashback amounts vary depending on your overall monthly spending. Refer to the table below.

TOTAL SPENDS (AED)
CASHBACK PERCENTAGE ON ONLINE SPEND
MAXIMUM CASHBACK PER MONTH ON ONLINE SPENDS (AED)
0 – 2,499 0% 0
2,500 – 7,499 3% 100
7,500 – 14,999 5% 200
15,000 and above 10%  400
Cashback on Foreign Currency Spends Terms and Conditions

From the flight and hotel bookings to dining and touring in your favourite international city – if you pay in any foreign currency on trips abroad, you will earn cashback.

And don’t forget, foreign currency spends can also include online purchases.

Cashback amounts vary depending on your overall monthly spending. Refer to the table below.

TOTAL SPENDS (AED)
CASHBACK PERCENTAGE ON FOREIGN CURRENCY SPEND
MAXIMUM CASHBACK PER MONTH ON FOREIGN CURRENCY SPENDS (AED)
0 – 2,499 0% 0
2,500 – 7,499 3% 100
7,500 – 14,999 5% 200
15,000 and above 10% 400
Cashback on Mobile Wallets Terms and Conditions

You can earn cashback on every single thing you can buy over the counter every day. Say goodbye to your physical wallet forever.

Your Mobile Wallet can now give you up to 10% cashback on every one of your AED purchases made via Apple Pay, Samsung Pay and Google Pay in all your favourite outlets.

Cashback amounts vary depending on your overall monthly spending. Refer to the table below.

TOTAL SPENDS (AED)
CASHBACK PERCENTAGE ON MOBILE WALLET SPEND
MAXIMUM CASHBACK PER MONTH ON MOBILE WALLET SPENDS (AED)
0 – 2,499 0% 0
2,500 – 7,499 3% 100
7,500 – 14,999 5% 200
15,000 and above 10% 200
*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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