Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Standard Chartered Saadiq Credit Card

Standard Chartered Bank

Saadiq Credit Card

Standard Chartered Saadiq Credit Card
Interest Rate

3.69%

Minimum Salary

AED 8K

Annual Fee

AED 0

Cashback

Yes

Standard Chartered Saadiq Credit Card
interest rate

3.69%

Interest Rate

min salary

AED 8K

Minimum Salary

annual fee

AED 0

Annual Fee

cashback

Yes

Cashback

View details on bank page

Features

  • You can access more entertainment just by downloading the bookingbash application and get pro membership worth AED 499 with Smart Saadiq Credit Card. Avail discounts on theme parks, cruises, museums, safaris, indoor activity and others
  • Get a great discount of 20% with Talabat which is up to AED 20 per order and the minimum order should be AED 50. You can enjoy a maximum of two orders per month. Use Promo code ‘SCB20’.
  • With points to miles you can simply transfer to a hotel or airline loyalty programme partner for unrestricted access for more than 40 airlines and 10,000 hotels around the world.
  • You can make a travel in flight using your Air miles points With Swanky stays, book a stay in one of the best hotels in the world.
  • You can fly at comfort with an upgrade to first class or business class.
  • Get absolute room upgrades by staying in the penthouse suite. You can enjoy a seamless purchasing experience by quickly paying for your next purchases using reward points.
  • Enjoy the offer of buy 1 and get 1 at Costa Coffee, you can order for a hot or cold coffee and get 1 free and this is available at more than 150 Costa Coffee locations in the UAE.
  • Get 8 free visits to Airport Lounges and this offer is valid for you and additional cardholders available at more than 1000 lounges in a given year. This is valid when you make at least 1 international purchase worth USD 1 with a Smart Saadiq Card at least fifteen days prior to your travel.
  • There are no charges for using a credit card at an ATM with zero cash advance fee.
  • You and your family are covered on all trips using multi trip travel coverage on Saadiq Cardholders and this is valid for up to 90 days duration.
  • Get buyers protection which will give you extra peace of mind while making the purchases using Saadiq card.
  • Enjoy 24x7 customized service using Visa Concierge where you can make reservations for restaurants or plan any special occasions.
  • Just tap and make payments with a mobile wallet using Google pay, Apple Pay, Samsung Pay and Fitbit Pay and these conveniences using your phone.
  • Have control over your card using SC mobile app and banking. Just download the SC Mobile app from stores such as the app store/Google play store/ Huawei App gallery. You can have control over your card when and where your card is used.
  • Saadiq Credit Card is a Shariah Compliant Card which is used and accepted globally. Charges are applied only on the profit rate on the amount you carry forward to next month as per Murabaha.
  • You can ease your trip at 450+ destinations with 25% off on YQ’s specialist airport assistance services including limo transfer, customs and immigration, visa on arrival and much more.
  • Get special discounts on more than 200 airport restaurants worth up to 20% using DragonPass.
  • There are no overlimit fees when you use more than your credit card limit.

Main Benefits

  • You can enjoy zero annual fee with cash advance or late payment fee. Get up to AED 750 cash back or more.
  • As welcome rewards you can earn AED 750 as cash back.
  • At Talabat get 20% discount up to AED 20 per order
  • You can earn 360 degree reward points when you spend AED 1,000 or more per month
  • Pay no fee on annual fees, late payment and over limit

Frequently Asked Questions

Q. What are Standard Chartered 360° Rewards?

A. Compared to any other credit card rewards programme in the UAE, 360° Rewards lets you earn Rewards Points faster on the Standard Chartered Smart Saadiq Credit Card.

Q. What is the minimum monthly income required to get a Saadiq Credit card?

A. The minimum monthly income required to get a Saadiq Credit Card is AED 8,000

Q. What is the age limit to get this credit card?

A. The age limit is 21 to 60 years old to get Saadiq Credit Card

Q. What are the annual fees on Saadiq Credit Card?

A. The Annual fees for new customers are AED 315 (first year free). Annual fee for Supplementary Cards is free but AED 157.50 is charged from 5th card onwards.

Q. What are the documents required to get a Saadiq Credit Card?

A. The documents required for getting a Saadiq Credit Card are Emirates ID copy or Passport and Visa Copy, Bank statement/Salary Certificate/Salary Transfer Letter and any other documents as requested by the authorities.

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