First year is free for new credit card Applicants. Annual fee will be charged for Existing Credit Cardholders every year as per the below:

Apple Pay

1. Open the Wallet app
2. Tap the + sign in the upper right corner
3. Scan your credit card or enter the details manually
4. Enter your security code
5. Read and accept the terms & conditions
6. Set your credit card as the default card on Apple Pay

Google Pay

1. Download the app from Google Play if you don’t already have it
2. Scan your card and follow the instructions in the app
3. Unlock your phone and hold it near the contactless terminal. You don’t need to open the app

Samsung Pay

1. Ensure your device has the latest Android ^TM software installed (Settings > About device > Software info > Android version)
2. Add the Samsung Account to your device (Settings > Accounts > Add Samsung Account)
3. Click on the Samsung Pay icon and install the Samsung Pay app
4. Once downloaded, scan your Cashback credit card or input your card details manually.

Fitbit Pay

1. Download the Fitbit app
2. Open Fitbit Wallet under device settings in the app
3. Add your Cashback credit card and create a PIN
4. Fitbit Pay is ready to use

1. Log on to SC Mobile or online banking
2. Go to Help & Services > Card Management > Card Settings
3. Select a card and key in the one-time password (OTP) when prompted
4. You now have the flexibility to disable or enable your card for overseas use. You can even choose which countries it can be used in

A balance transfer is a way to move credit card debt from any other bank’s credit card in the UAE to a Standard Chartered credit card. This can help you reduce the amount of interest you’re paying at the other bank.

How does it work?

We transfer the outstanding balance from your other bank’s credit card to your Standard Chartered credit card (payment will be made to your other bank credit card from Standard Chartered). Once transferred, you enjoy a special low interest rate on that amount, for 180 days. You pay a small processing fee on the amount transferred.

There is no fixed instalment to be paid every month. Just pay the minimum amount due as per your statement.

To make a Balance Transfer, simply call us on (+971) 600 522 288 and give us the details of the card(s) you’d like to transfer from.

Islamic credit cards provide many of the services of conventional credit cards, but they also conform to Shariah law, which prohibits interest or ‘riba’ being charged on money borrowed. They may use the principle of ‘Murabaha’, where payment is made and exchanged for benefits and services offered to cardholders.

It’s essential to follow your principles, and the Saadiq credit card is designed to stay true to your beliefs, no matter where you are.

According to the ‘Murabaha’ concept, which means a trade transaction, you will only be charged a profit rate on the amount that you carry forward to next month. This structure has been reviewed and approved by an independent Shariah Supervisory Committee, comprising of three of the world’s most renowned and respected scholars in the field of Islamic Banking.

The Saadiq Credit Card is a zero-fee*, Shariah-compliant card.

You are not charged over-limit, cash advance or late payment fees. This internationally recognized credit card comes packed with exclusive travel perks and privileges to suit your lifestyle. It’s easy to use and complements your beliefs.

* A minimum spend of AED 2,000 per year is required.

Both debit and credit cards are convenient ways of spending money without carrying cash around.  However, the main difference is that a debit card is connected to your bank account. Every purchase amount you make is taken out of your account immediately.

Credit cards are not linked to your bank account. When you spend on a credit card, you borrow the money from the bank. You have the option of paying 100% of your credit card outstanding balance or pay some and let the remaining balance roll over to be billed next month.

You can pay using Standard Chartered Online Banking or the SC Mobile app.

Simply click “Card Payment” under “Card Services” and select the card you wish to pay and the payment amount.

You need to pay the full statement balance by the due date, to avoid paying interest.

You can pay immediately, or automatically pay every month by selecting “Recurring Payments” under “Payment Type” while submitting your request.

You can view your current credit card statement (and two previous months’ card statements) online – anytime, anywhere. All you need to do is to click on Card Information under Card Services and select the statement you wish to see.

Your statements are segmented as:

Current transactions: Here you can view all your transactions recorded after your last month’s statement from the Bank.

Last statement: This will be your last month’s statement.

Prior statement: This will be your statement ‘prior’ to the last month’s statement.

This is a cash advance facility, in which you can convert any amount up to your credit card limit into cash. The amount will be credited to your bank account. Simply select the facility using Online Banking or on the SC Mobile app. Please click here to explore ways to manage your finances.

An interest charge simply refers to the interest you’re charged on your credit card outstanding balance.

You will not be charged with interest charges if you make a 100% payment of your outstanding balance by the due date (excluding cash advances).