| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Standard Chartered Bank - Saadiq Credit Card
|
Minimum Salary: AED 8,000 | Salary Transfer: No | Islamic Finance: Yes | Cashback: No | Annual Fee: AED 315 | Rate: 3.45% |
Features
- Buy 1 Get 1 at Costa Coffee
- Zero Cash Advance Fees
- Medical and Travel Coverage*
- Visa Concierge Service*
- Buyers Protection*
- Tap to Pay With Mobile Wallet Payments
- Control Your Card From The SC Mobile App and Online Banking
- A Shariah-compliant Card That is Globally Accepted
- Approved by an Independent Shariah Supervisory Committee
- 25% off for YQ’s Specialist Airport Assist Services* Ease your trip at 450+ destinations
- Dine and Fly With DragonPass* Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass.
- Zero Annual fees for the first year**
- Over-limit fees AED 0 if you go over your credit card limit
- Access 1000+ airport lounges in over 300 cities with 8 free visits per year
- Late payment fees AED 0 even if you forget to make a payment
Additional Information
Eligibility & DocumentsUAE Residents (Expats)
- Age 21 to 60 years old
- Minimum Monthly Income AED 8,000
- Copy of Emirates ID / Passport and Visa copy
- Salary Transfer Letter or Bank Statement/Salary Certificate
- Refer to application form for details
- Age 21 to 60 years old
- Minimum Monthly Income AED 8,000
- 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 0Over Limit Fee
- AED 0Cash Advance Fee
- AED 0For 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.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
