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Standard Chartered Standard Chartered X Credit Card
Standard Chartered

Standard Chartered X Credit Card

Up to 10% cashback on online, foreign currency and mobile wallet spends

Apply at bank

Key facts

Min salary
AED 8,000/mo
Annual fee
Free for life
Salary transfer
Not required
FX fee
2.99%
Monthly interest
3.69%
Interest-free days
55 days
Welcome offer
AED 1,000 welcome cashback
Fee waiver
Waived from 2nd year if annual spend >= AED 9,000

Earn rates

  • Online shopping
    No cap
    Up to 10% cashback on AED online purchases and bill payments; up to 10% on all online and offline foreign currency spends; up to 10% on mobile wallet spends.
    10% back

Perks

  • 8 Complimentary Airport Lounge Visits: 8 complimentary lounge visits per year via Visa Airport Companion (requires 1 international purchase of USD 1 at least 15 days before travel).

The fine print that matters

  • Card Not Available for New Clients

    X Card is a legacy product not available for new applications. Existing cardholders only.

  • Cash Advance Fee

    3.15% of cash advance amount or AED 105, whichever is higher. Cash interest rate 3.75% per month.

  • FX Transaction Fee

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

  • Overlimit Fee

    AED 292.95 charged if total outstanding balance exceeds credit limit.

  • Late Payment Fee

    AED 241.50 charged if minimum payment not made by due date.

This card loves online shopping. So do these deals →

noon cobon
noon cobon
Free
1199 for Apple Watch Ultra 49mm Smartwatch Cellular (with extra strap) from Cartlow
1199 for Apple Watch Ultra 49mm Smartwatch Cellular (with extra strap) from Cartlow
AED 1,199
AirPods 3rd gen for 579 DHS
AirPods 3rd gen for 579 DHS
AED 579
Not sure it fits you?

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Info only, not financial advice. Always check the bank's Key Facts Statement.