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Standard Chartered Standard Chartered Smart Saadiq Credit Card
Standard Chartered

Standard Chartered Smart Saadiq Credit Card

Sharia-compliant card with zero late payment fees and lounge access

Apply at bank

Key facts

Min salary
AED 8,000/mo
Annual fee
AED 315/yr
Salary transfer
Not required
FX fee
2.99%
Monthly interest
—
Interest-free days
55 days
Fee waiver
Waived if annual spend exceeds AED 2,000

Earn rates

  • Everything else
    No cap
    360° Rewards Points on all spends. Redeemable for airline miles, hotel points, shopping vouchers or e-vouchers.
    0.272 pts / AED

Perks

  • Access to 1,000+ Airport Lounges: Complimentary access to 1,000+ airport lounges worldwide.
  • Buy 1 Get 1 Free Movies: Buy 1 Get 1 Free at VOX and Reel Cinemas in the UAE.

The fine print that matters

  • Very Low Annual Fee Waiver Threshold

    Annual fee of AED 315 waived with just AED 2,000 annual spend — very easy to achieve.

  • Zero Late Payment, Overlimit and Cash Advance Fees

    Islamic card has zero late payment, overlimit, and cash advance fees — a significant benefit.

  • FX Transaction Fee

    Up to 2.99% on international transactions (in addition to Visa processing fee).

  • Profit Rate Not Published

    Specific profit rate not listed on the Standard Chartered website; contact bank for details.

Card sorted. Now never pay full price →

Dubai Summer Clearance Event at Coca-Cola Arena - Up to 75% Off Fashion & Luxury Brands (Free Entry)
Dubai Summer Clearance Event at Coca-Cola Arena - Up to 75% Off Fashion & Luxury Brands (Free Entry)
Free
50% off everything at Claro Speciality Coffee (Drinks & Desserts) in Sharjah
50% off everything at Claro Speciality Coffee (Drinks & Desserts) in Sharjah
Madame Tussauds Dubai for 39 AED
Madame Tussauds Dubai for 39 AED
AED 39
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Info only, not financial advice. Always check the bank's Key Facts Statement.