Standard Chartered Bank Credit Cards

Introduction to Standard Chartered Bank Credit Cards

Standard Chartered Bank (SCB) is an international bank, with a rich history of more than 150 years. SCB is amongst one of the oldest financial institutions in the UAE as its first branch was established in the year 1958 in Sharjah. It offers a wide range of Islamic and conventional banking products and services for the retail, corporate, private, and commercial sector.

SCB offers different kinds of credit cards that come with exclusive benefits and privileges such as cash back, value back, rewards programs, and exclusive membership advantages.

Types of Standard Chartered Bank Credit Cards

Currently, Standard Chartered Bank offers eight types of credit cards in the UAE. They range from conventional credit cards to Islamic banking credit cards. Each of the Standard Chartered Credit Cards has its own specific features & benefits. Here is the list of credit cards offered by Standard Chartered Bank:

Standard Chartered MasterCard Platinum Credit Card

This Standard Chartered Credit Card is the ultimate cash back card that enables its cardholder to enjoy up to 10 percent cash back on everyday spends. The cardholder can enjoy cash back upon paying utility bill payment, school fee payment, and purchasing any retail item across the UAE.

  • Annual Membership Fee: AED 525 (1st year free)
  • Monthly Interest Rate: 3.33percent per month

Eligibility:

  • Minimum monthly salary of AED 5,000.
  • Minimum age of applicant is 21 years while maximum age is 60 years.

Benefits & Features of the Card

  • Complimentary Airport Lounge Access: The cardholder can enjoy unlimited free complimentary access at more than 20 local and international airport lounges.
  • Cash Back:
    • Member of this Standard Chartered Credit Card can enjoy a maximum of 10 percent cash back on transactions made at any supermarket across the UAE.
    • The cardholder can avail of up to 10 percent cash back on paying the utility bills such as telephone, internet, electricity, Salik, TV subscription, water bill, and school fees.
  • School Fee Monthly Installment Payment Plan: This credit card offers school fee monthly installment payment plan at 0 percent interest for up to 6 to 12 months.
  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. For the first two supplementary cards, there is no annual fee. After two cards, an annual fee of AED 105 will be charged per supplementary card.
  • Discounts:
    • This card offers a 20 percent discount on Careem rides three times in a month. Also, member of this card can avail a free Careem ride for the first time.
    • The cardholder can avail up to 30 percent discount on travel bookings with Cleartrip.
    • The card member can avail a maximum of 10 percent discount at com.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee at Costa Coffee, member of this card can enjoy one coffee free with this Standard Chartered Credit Card.
  • Fixed Payment Plans: This card offers funds at a fixed fee with a convenient payment period of up to 48 months.
  • Mobile Payments: This card enables the cardholder to pay with Samsung Pay and Apple Pay.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered MasterCard Platinum Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.
  • Cash Advance: The cardholder can withdraw cash up to the total credit limit from any ATM across the globe displaying the logo of MasterCard.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in the event of any unforeseen event where the card member is unable to pay their outstanding balance.
  • Shop Smart with SC MasterPass: The cardholder can enjoy the experience of SC MasterPass which is the easier, faster, and secure way to pay. It is basically a digital wallet that stores credit card and shipping details in one secure location. Ultimately, it makes shopping convenient & hassle-free.

Standard Chartered Platinum X Credit Card

This cash back Standard Chartered Credit Card offers up to AED 1,000 cash back per month. It comes with a reward program that enables the cardholder to earn points when they make transactions in AED as well as non-AED currency.

  • Annual Membership Fee: AED 525 (1st year free)
  • Monthly Interest Rate: 3.33percent per month

Eligibility:

  • Minimum monthly salary of AED 5,000.
  • Minimum age of applicant is 21 years while maximum age is 60 years.

Benefits & Features of the Card:

  • Free Lounge Access: Member of this card can enjoy unlimited free access at over 20 local and international airport lounges.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee at Costa Coffee, member of this card can enjoy one coffee free with this Standard Chartered Credit Card.
  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first two supplementary cards. Thereafter, an annual fee of AED 105 will be charged per supplementary card.
  • Cash Back:
    • The cardholder can enjoy up to AED 400 cash back on online transactions and bill payments made in AED as well as non-AED currency.
    • The cardholder can enjoy up to AED 200 cash back on purchases made through Samsung Pay, Apple Pay, and Google Pay.
  • Discounts:
    • The cardholder can get up to 30 percent discount on travel bookings with
    • The card member can avail a maximum of 10 percent discount at com.
    • The cardholder can enjoy USD 50 off with com. They can save on hotel & flight packages upon spending a minimum amount of USD 1,200.
  • Fixed Payment Plans: This Standard Chartered Credit Card offers funds at a fixed fee with a convenient payment period of up to 48 months.
  • Mobile Payments: This card enables the cardholder to pay with Samsung Pay, Apple Pay, and Google Pay.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered Platinum X Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.
  • Cash Advance: The cardholder can withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in the event of any unforeseen event where the card member is unable to pay their outstanding balance.

Standard Chartered Visa Infinite Credit Card

The Standard Chartered Visa Infinite Credit Card is specifically designed for avid travelers. It comes with a lot of travel benefits that can range from VIP lounge access to discounts on travel bookings. It also comes with a rewards program that enables its card member to make the most of their credit card.

  • Annual Membership Fee: AED 1,575 (1st Year Free)
  • Monthly Interest Rate: 3.25percent per month

Eligibility:

  • Minimum monthly salary of AED 30,000.
  • Minimum age of applicant is 21 years while maximum age is 60 years.

Benefits & Features of the Card:

  • Complimentary Airport Lounge Access: This card offers unlimited complimentary access to more than 900 airport lounges worldwide to the cardholder and an accompanying guest.
  • Complimentary Fitness First Access: Member of this card can enjoy unlimited free access to top-class Fitness First Health Club in the UAE by showing this Standard Chartered Credit Card.
  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first two supplementary cards. After that, an annual fee of AED 525 will be charged per supplementary card.
  • VOX Cinema Offers: The cardholder can avail one movie ticket absolutely free on booking one movie ticket through VOX Cinemas.
  • Reward Programs: The rewards program that comes with this credit card enables the cardholder to enjoy the following amazing benefits:
    • The cardholder can earn 100,000 Rewards Points that are equivalent to AED 5,000 cash back.
    • The cardholder can avail the accumulated Rewards Points for booking Emirates, Etihad, and Virgin Atlantic
  • Golf Benefits: The card member can enjoy a round of golf once a month at some premium golf courses across the UAE.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee at Costa Coffee, member of this card can enjoy one coffee free with this Standard Chartered Credit Card.
  • Discounts:
    • The cardholder can enjoy up to a 12 percent discount on booking hotels through com.
    • The card member can enjoy 100+ exciting privileges & offers across shopping, dining, & lifestyle.
  • Free Travel Insurance: The cardholder can use this credit card to pay for their travel booking and they can avail free travel insurance for that trip.
  • Concierge Service: This Standard Chartered Bank UAE Credit Card offers round the clock concierge service. From last minute booking at restaurants to planning a special occasion, this card enables its cardholder to enjoy special privileges.
  • Purchase Protection: The card member can avail purchase protection for damaged, lost or stolen goods brought with the Standard Chartered Visa Infinite Credit Card.
  • Extended Warranty: This is one of the most special features of this card that other credit cards simply can’t match. It offers an extended warranty for the eligible items purchased with this card.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in the event of any unforeseen event where the card member is unable to pay their outstanding balance.
  • Fixed Payment Plans: The cardholder can avail a loan up to their total credit limit and repay the loan amount in convenient installments for up to 48 months. They can avail this benefit even without filling out the application form.
  • Mobile Payments: This card enables the cardholder to pay with Samsung Pay and Apple Pay.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered Visa Infinite Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.
  • Cash Advance: The cardholder can withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.

Standard Chartered Manhattan Platinum Credit Card

This Standard Chartered Credit Card offers several exclusive privileges and enables the cardholder to earn rewards points every time they shop, dine, & pay. Additionally, this card lets them save up to AED 10,000 per year.

  • Annual Membership Fee: AED 525 (1st Year Free)  
  • Monthly Interest Rate: 3.33percent per month

Eligibility:

  • Minimum monthly salary of AED 5,000
  • Minimum age of applicant is 21 years while maximum age is 60 years.

Benefits & Features of the Card:

  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first two supplementary cards. Thereafter, an annual fee of AED 157.50 will be charged per supplementary card.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee at Costa Coffee, member of this card can enjoy one coffee free with this Standard Chartered Credit Card.
  • VOX Cinema Offers: The cardholder can avail one movie ticket absolutely free upon booking one movie ticket through VOX Cinemas.
  • Discounts & Offers: Here are several offers and discounts that this card offers:
    • Member of this credit card can enjoy a 50 percent discount on movie tickets on every Sunday at VOX Cinemas across the UAE.
    • The cardholder can enjoy up to 10 percent off on booking hotels through com.
    • The cardholder can avail amazing airport dining offers at 200+ restaurants across airports around the globe.
    • Be it for a trip aboard or a staycation, the member of this card can avail up to 12 percent discount on bookings made at Agoda.
    • The card member can enjoy up to 30 percent off at the total bill with Visa Timeout.
  • Rewards Program: The cardholder can earn 1 reward point for every $1 spent by using this Standard Chartered Manhattan Platinum Credit Card.
  • Purchase Protection: Member of this credit card can avail purchase protection for damaged, lost or stolen goods bought with this Standard Chartered Credit Card.
  • Extended Warranty: This card offers an extended warranty for the goods purchased with this card.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in case of any unforeseen event where the card member is unable to pay their outstanding balance.
  • Mobile Payments: This card enables its cardholder to pay with Samsung Pay and Apple Pay.

Standard Chartered Shukran World Credit Card

Standard Chartered Shukran World Credit Card comes with a wide range of benefits and privileges. One of the most attractive features of this card is that it offers a 10 percent value back at various shopping outlets. It enables its cardholder to make the most of their credit card.

  • Annual Membership Fee: AED 262.50 (1st Year Free)
  • Monthly Interest Rate: 2.99percent per month

Benefits & Features of the Card:

  • Free Lounge Access: The cardholder can enjoy unlimited free access to 900+ airport lounges worldwide. They are required to show their Standard Chartered Shukran World Credit Card at the eligible airport lounges.
  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first two supplementary cards. Thereafter, an annual fee of AED 105 will be charged per supplementary card.
  • VOX Cinema Offers: The cardholder can avail one movie ticket absolutely free upon booking one movie ticket through VOX Cinemas.
  • Shukrans: The card member can enjoy 5 times more Shukrans on purchases made at participating Shukrans stores as well as non-participating Shukrans stores.
  • Discounts & Offers: Here are several offers and discounts offered by this card:
    • The cardholder can enjoy up to 10 percent discount on booking hotels at com.
    • The Cardholder can avail up to 10 percent discount on flight & hotel bookings with
    • The cardholder can enjoy more than 100 exciting card privileges and offers that range from shopping & lifestyle to dining benefits.
    • This Standard Chartered Bank Credit Card comes with 500 Buy One, Get One Free travel and entertainment offers.
    • This card offers a 20 percent discount on Careem rides three times in a month. Also, member of this card can avail a free Careem ride for the first time.
  • Travel Protection: This Standard Chartered Credit Card offers coverage for lost/delayed baggage, trip cancellation/delays, and the like.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in the event of any unforeseen event where the card member is unable to pay their outstanding balance.
  • Mobile Payments: This card enables its cardholder to pay with Samsung Pay and Apple Pay.
  • Shop Smart with SC MasterPass: With this card, the cardholder can enjoy the experience of SC MasterPass that is the easier, faster, and secure way to pay. It is basically a digital wallet that stores payment and shipping details in one secure location. Ultimately, it makes shopping convenient & hassle-free.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered Shukran World Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.
  • Cash Advance: The cardholder can withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.
  • Balance Transfer: Member of this credit card can easily transfer their balance from other bank’s credit card to this card at 0 percent interest for six months.
  • Fixed Payment Plans: The card member can transfer funds from this Shukran card to some other bank account. They can replay it later as per their convenience.

Standard Chartered Shukran Titanium Credit Card

Shukran Titanium Credit Card offered by Standard Chartered Bank is a card that provides its card member with a wide range of amazing features & benefits. It offers 7.5 value back at various shopping outlets and enables its cardholders to enjoy exciting privileges.

  • Annual Membership Fee: AED 157.50 (1st Year Free)
  • Monthly Interest Rate: 3.25 percent per month

Benefits & Features of the Card:

  • Shukrans: The card member can earn more Shukrans on purchases made at participating Shukrans stores as well as non-participating stores.
  • Complimentary Airport Lounge Access: The card member can enjoy unlimited free access to more than 10 airport lounges all over the Middle East & the Levant. They are required to show Standard Chartered Credit Card at eligible airport lounges.
  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first two supplementary cards. From third card onwards, an annual fee of AED 105 will be charged per supplementary card.
  • Discounts & Offers: This Standard Chartered Credit Card comes with the following exciting offers and discounts:
    • The cardholder can enjoy more than 100 exciting card privileges and offers that range from shopping to lifestyle to dining benefits.
    • The Standard Chartered Bank Credit Card member can avail 500 Buy 1, Get 1 Free travel and entertainment offers.
    • This card offers a 20 percent discount on Careem rides three times a month. Also, member of this card can avail first ride Careem free for free.
  • Fixed Payment Plans: The card member can transfer funds from this Shukran card to another bank account. They can replay it later as per their convenience.
  • 0 percent Installment Plans: Member of this card can pay back their purchases of AED 1,000 and above in 6 convenient monthly installments with 0 percent interest rate. Please Note- A processing fee will be charged.
  • Balance Transfer: Member of this credit card can easily transfer the balance from other bank’s credit card to this card at 0 percent interest for six months.
  • Mobile Payments: This card enables its cardholder to pay with Samsung Pay and Apple Pay.
  • Cash Advance: The cardholder can withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.
  • Shop Smart with SC MasterPass: With this card, the cardholder can enjoy the experience of SC MasterPass which is an easier, faster, and secure way to pay. It is basically a digital wallet that stores credit card and shipping details in one secure location. Ultimately, it makes shopping convenient & hassle-free.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered Shukran Titanium Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.
  • Credit Shield Insurance: This card offers Credit Shield Insurance (CSI) in order to provide financial security to its cardholder and their eligible family members. CSI offers coverage in the event of any unforeseen event where the card member is unable to pay their outstanding balance.

Standard Chartered Saadiq Platinum (Murabaha)

This is a Shariah Compliant interest-free credit card that doesn’t charge cash advance, over limit or late payment fees from the card member. This Standard Chartered Credit Card is a globally recognized credit card that offers exclusive travel perks & exciting privileges. Above all, the Saadiq Platinum Credit Card is designed to help the cardholder stay true to their belief no matter where they are.

  • Annual Membership Fee: AED 315 (1st Year Free)
  • Profit Rate: 3.25percent per month

Eligibility:

  • Minimum monthly salary of AED 5,000.
  • Minimum age of the applicant is 21 years while maximum age is 60 years.

Benefits & Features of the Card:

  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first four supplementary cards. From the fifth card, an annual fee of AED 157.50 will be charged per supplementary card.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee with this Standard Chartered Credit Card, the card member can enjoy one coffee free at Costa Coffee.
  • Discounts & Offers: The cardholder can avail the following discounts and offers:
    • This card offers a 20 percent discount on Careem rides three times a month. Also, member of this card can avail first Careem ride for free.
    • The cardholder can avail up to 30 percent discount on flight & hotel bookings anywhere in the world with Cleartrip.
    • The cardholder can enjoy up to 10 percent discount on booking hotels at com.
    • The cardholder can enjoy more than 100 exciting card privileges and offers that range from shopping to lifestyle to dining benefits.
    • The Standard Chartered Bank Credit Card member can avail 500 Buy 1 Get 1 Free travel and entertainment offers.
  • Complimentary Airport Lounge Access: The cardholder can avail complimentary unlimited access to hundreds of airport lounges worldwide irrespective of the airline and travel class.
  • Cash Advance: The cardholder can withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.
  • 0 percent Installment Plans: Member of this card can pay back their purchases of AED 1,000 and above in 6 convenient monthly installments with 0 percent interest rate. Please Note- Processing fee will be applicable.
  • Mobile Payments: This card enables its cardholder to pay with Samsung Pay and Apple Pay.
  • Shop Smart with SC MasterPass: With this card, the cardholder can enjoy the experience of SC MasterPass which is an easier, faster, and safer way to pay. It is basically a digital wallet that stores the credit card and shipping details in one secure location. Ultimately, it makes shopping convenient & hassle-free.
  • 3D SecureTM: Powered by Master and Visa Card, the Standard Chartered Shukran Titanium Credit Card is equipped with 3D SecureTM technology. This advanced technology ensures safety and security, helping the cardholder to shop online with peace of mind.

Standard Chartered Saadiq Platinum (Urjah)

This Shariah Compliant Credit Card is designed to help the cardholder stay true to their belief no matter where they are. It is basically based on the concept of Urjah-fixed fee.

This card comes with a range of privileges including retail, travel, dining, and electronics. In addition to this, it provides 360° Rewards which is the best credit card rewards programs in the UAE. Member of this card can easily view, manage, and redeem their reward points by using the online and mobile banking platform. 

  • Annual Membership Fee: AED 315
  • Monthly Maintenance Fee: AED 800

Benefits & Features of the Card:

  • Supplementary Cards: The cardholder can avail supplementary card(s) for their eligible family members. There is no annual fee for the first four supplementary cards. From fifth card onwards, an annual fee of AED 157.50 will be charged per supplementary card.
  • Buy 1, Get 1 Free Offer at Costa Coffee: Upon purchasing one coffee with this Standard Chartered Credit Card, the card member can enjoy one coffee free at Costa Coffee.
  • Complimentary Airport Lounge Access: This card offers complimentary access to more than 10 airport lounges.
  • Chip & Pin Facility: This Standard Chartered Credit Card has an amazing smart payment system, offering the next level security to its card member. They can easily make retail transactions by entering their Personal Identification Number.

Features & Benefits of Standard Chartered Bank Credit Cards

Though each of the Standard Chartered Credit Card comes with its own features & benefits, these are some common benefits of all cards:

Complimentary Airport Lounge Access

The cardholder can enjoy free unlimited lounge access by just showing their Standard Chartered Credit Card at the eligible airport lounges.

VOX Cinema Offer

Member of the Standard Chartered Credit Card can avail one movie ticket absolutely free upon booking one movie ticket through VOX Cinemas.

Easy Installments

The cardholder can easily make credit card retail purchases and pay it back in easy and convenient monthly installments up to 48 months at 0 percent interest for six months.

Travel Privileges

The card member can avail amazing travel discounts on booking air tickets and hotels as the majority of the Standard Chartered Bank Credit Cards offer travel privileges.

Cash Advance Facility

Majority of the Standard Chartered Bank credit cards offer the cash advance facility. It basically enables the cardholder to withdraw cash up to their total credit limit from any ATM across the globe displaying the logo of MasterCard.

360° Rewards Program

Standard Chartered Bank provides its card member with the easiest way to earn and redeem rewards through 360° Rewards Program. The cardholder can earn reward points on all transactions made for supermarkets, utility bills, real estate agent payments, property rentals within the UAE. These rewards points can easily be redeemed across travel, electronics, dining, fashion, and the like.

Discounts & Offers

From travel discounts to gourmet meals, Standard Chartered Bank credit cards offer a variety of spending options that make shopping even more fun.

Mobile Payment Solution

Standard Chartered Bank Credit Cards offer its card member a range of instant payment options including Apple Pay, Samsung Pay, & Google Pay.

Credit Shield Insurance

Credit Shield Insurance (CSI) is another major benefit of using Standard Chartered Credit Cards. CSI provides financial security to the cardholder as well as their eligible family members in the event of an unforeseen event such as natural death, critical illness, loss of employment, or permanent disability. Basically, it offers insurance coverage to card member when they are unable to pay the outstanding balance on their credit card due to an unfortunate event.

Standard Chartered Bank Credit Cards Eligibility

A number of factors can affect the eligibility for a Standard Chartered Credit Card such as:

  • Minimum age is 21 years while maximum age is 60 years.
  • Monthly income from AED 5,000 to AED 30,000 is required.

Documents Required:

Below is a complete list of documents that are required for applying for Standard Chartered credit cards:

  • Salary Transfer Letter/ Salary Certificate or Bank Statement
  • Copy of Emirates ID/ Passport and Visa Copy

Standard Chartered Bank Credit Cards Based On Salary

 

Name of Card Minimum Monthly Income (in AED)
Standard Chartered MasterCard Platinum Credit Card 5,000
Standard Chartered Platinum X Credit Card 5,000
Standard Chartered Visa Infinite Credit Card 30,000
Standard Chartered Manhattan Platinum Credit Card 5,000
Standard Chartered Shukran World Credit Card ---
Standard Chartered Shukran Titanium Credit Card ---
Standard Chartered Saadiq Platinum (Murabaha) 5,000
Standard Chartered Saadiq Platinum  (Urjah) ---

 

How to Apply for a Standard Chartered Bank Credit Card?

Applicants can apply for Standard Chartered Credit Card online as well as offline.

Apply for Standard Chartered Bank Credit Card Online

In order to apply for Standard Chartered Credit Card, the applicant is required to log on the official website of the Standard Chartered Bank. After zeroing down the credit card, they need to click on the Apply Now option. After that, they need to fill in the required details in the Standard Bank credit card application form and click on Submit My Application button to proceed further. Then, the bank officials will verify whether the applicant is eligible to opt for that specific credit card or not.

Apply for Standard Chartered Bank Credit Card Offline

Alternatively, the applicant can also apply for Standard Chartered Bank Credit Card offline by visiting the nearest branch of Standard Chartered Bank.

Standard Chartered Bank Credit Cards Interest Rates

Standard Chartered Bank offers two types of credit cards- conventional credit cards and Shariah Compliant Credit Cards.

Every conventional Standard Chartered Credit Card charges two types of interest rates i.e. retail interest rate and cash advance interest rate. The retail interest is charged on the outstanding amount that is left after the due date of payment. This interest is applicable to all retail transactions that are made using the Standard Chartered Credit Card. The cash advance interest rate is the interest that is charged on any cash withdrawal from the ATM by using the credit card. This interest is calculated from the date of the cash withdrawal itself.

The interest rates for the Standard Chartered Credit Cards are given below:

 

Name of the Card Monthly Retail Interest Rate (in percent) Monthly Cash Advance Interest Rate (in percent)
Standard Chartered MasterCard Platinum Credit Card 3.33 3.09
Standard Chartered Platinum X Credit Card 3.33 3.09
Standard Chartered Visa Infinite Credit Card 3.25 3.25
Standard Chartered Manhattan Platinum Credit Card  3.33 3.09
Standard Chartered Shukran World Credit Card 2.99 2.99
Standard Chartered Shukran Titanium Credit Card 3.25 3.09

                                           

Standard Chartered Shariah Compliant credit cards charge profit rate instead of interest rates. Given below is a complete list of profit rates for Standard Chartered Bank Credit Cards:

Name of the Card Profit Rate on Retail Transactions (in percent) Profit Rate on Cash Withdrawal (in percent)
Standard Chartered Saadiq Platinum (Murabaha) 3.25 3.25
Standard Chartered Saadiq Platinum  (Urjah) N/A N/A

 

Standard Chartered Bank Credit Card Limit

Each Standard Chartered Bank Credit Card offers a different credit limit that varies from person to person, depending on the financial status and prior credit history of the applicant.

Fees & Charges of Standard Chartered Bank Credit Cards

Here are the fees & charges associated with conventional Standard Chartered Bank credit cards, UAE:

 

Description Charges
Annual Fees for Standard Chartered MasterCard Platinum Credit Card AED 525 (Waived-off for the first year, applicable from the second year onwards.) 
Annual Fees for Standard Chartered Platinum X Credit Card AED 525 (Waived-off for the first year, applicable from the second year onwards.) 
Annual Fees for Standard Chartered Visa Infinite Credit Card AED 1,575 (Waived-off for the first year, applicable from the second year onwards.)
Annual Fees for Standard Chartered Manhattan Platinum Credit Card  AED 525 (Waived on the first year, applicable from the second year onwards)
Annual Fees for Standard Chartered Shukran World Credit Card AED 262.50 (Waived-off for the first year, applicable from the second year onwards)
Annual Fees for Standard Chartered Shukran Titanium Credit Card AED 157.50 (Waived-off for the first year, applicable from the second year onwards.)
Finance Charges on Retail Transactions
  • Standard Chartered MasterCard Platinum Credit Card, Standard Chartered Platinum X Credit Card, and Standard Chartered Manhattan Platinum Credit Card- 3.33percent per month.
  • Standard Chartered Shukran Titanium Credit Card & Standard Chartered Visa Infinite Credit Card -3.25percent per month.
  • Standard Chartered Shukran World Credit Card- 2.99percent per month. 
Finance Charges on Cash Transactions
  • Standard Chartered MasterCard Platinum Credit Card, Standard Chartered Manhattan Platinum Credit Card, Standard Chartered Platinum X Credit Card, and Standard Chartered Shukran Titanium Credit Card- 3.09percent per month.
  • Standard Chartered Visa Infinite Credit Card- 3.25percent per month.
  • Standard Chartered Shukran World Credit Card - 2.99percent per month
.
 Over Limit Fee
  • Standard Chartered MasterCard Platinum Credit Card, Standard Chartered Platinum X Credit Card, Standard Chartered Visa Infinite Credit Card, and Standard Chartered Manhattan Platinum Credit Card- AED 292.95.
  • Standard Chartered Shukran World Credit Card, and Standard Chartered Shukran Titanium Credit Card- AED 236.25.
Late Payment Fee
  • Standard Chartered MasterCard Platinum Credit Card, Standard Chartered Platinum X Credit Card, Standard Chartered Visa Infinite Credit Card, Standard Chartered Manhattan Platinum Credit Card-  AED 230.
  • Standard Chartered Shukran World Credit Card, & Standard Chartered Shukran Titanium Credit Card- AED 230

 

Other Fees & Charges

 

Types of Charges (Applicable for All Standard Chartered Credit Cards) Amount
Credit Shield Insurance (CSI) 0.60 percent of monthly outstanding balance
Monthly Statement Charges AED 10.50
Charges of Duplicate Statement ( For more than 3 Months Old Statements) AED 47.25
Card Replacement Charges AED 78.75
Returned Cheque Charges AED 105
Processing Outstation Cheques Charges AED 52.50
Charges for Procuring A Copy Of Sales Voucher (up to a maximum of three months) AED 52.50 for all the retail transactions and AED 68.25 for hotel and airline transactions
Cash Advance Charges 3.15 percent of withdrawn amount or AED 105 whichever is greater
Foreign Transaction Charges Up to 2.99 percent of the transaction amount
Minimum Monthly Payment AED 110 or 1 percent of principal balance inclusive of all fees & charges (late payment fee, finance charges etc.), whichever is greater.
Interest charges for Balance Transfer, Smart Payment Plan, Easy Pay & Fixed Payment Plan Up to 3 percent per month
Processing Charges for Balance Transfer, Smart Payment Plan, Easy Pay & Fixed Payment Plan Up to 4.20 percent
Early Settlement Charges for Balance Transfer, Smart Payment Plan, Easy Pay & Fixed Payment Plan Ranges from 2percent to 5percent or AED 300, whichever is greater

 

Fees & Charges of Islamic Standard Chartered Bank Credit Cards:

Now, look at the list of fees & charges that are associated with Islamic Credit Cards Offered by Standard Chartered Bank, UAE:

 

Type of Charges Amount
Annual Fees for Standard Chartered Saadiq Platinum (Murabaha) AED 315 (Waived-off for the first year. Applicable from the second year onwards)
Annual Fees for Standard Chartered Saadiq Platinum  (Urjah) AED 315
Profit Rate on Retail Transactions
  • Standard Chartered Saadiq Platinum (Murabaha) – 3.25percent·
  • Standard Chartered Saadiq Platinum (Urjah)- N/A
Profit Rate on Cash Transactions
  • Standard Chartered Saadiq Platinum (Murabaha) – 3.25percent·
  • Standard Chartered Saadiq Platinum (Urjah)- N/A
Monthly Maintenance Charges
  • Standard Chartered Saadiq Platinum (Murabaha)- N/A·
  • Standard Chartered Saadiq Platinum (Urjah) – AED 800
Over Limit Fee
  • Standard Chartered Saadiq Platinum (Murabaha) – AED 0·
  • Standard Chartered Saadiq Platinum (Urjah) – AED 292.95
Late Payment Fee
  • Standard Chartered Saadiq Platinum (Murabaha) - AED 0·
  • Standard Chartered Saadiq Platinum (Urjah) – AED 230
Cash Withdrawal Fee
  • Standard Chartered Saadiq Platinum (Murabaha) - AED 0·
  • Standard Chartered Saadiq Platinum (Urjah) – AED 131.25
Charges for Balance Transfer, Smart Payment Plan, & Easy Pay
  • Standard Chartered Saadiq Platinum (Murabaha) - Up to AED 1785·
  • Standard Chartered Saadiq Platinum (Urjah) – N/A

 

How to Cancel a Standard Chartered Bank Credit Card?

The cardholder is required to visit the nearest branch of Standard Chartered Bank and submit the duly filled credit card closure form. Keep in mind that the cancellation request will be initiated only after the outstanding payment has been paid.

Once the cancellation process is initiated, the card member should cut the respective credit card in half and submit it to the bank. Please note that the credit card cancel request will automatically lead to the termination of the supplementary cards (if any).

Alternatively, the cardholder can also approach the customer care centre of the Standard Chartered Bank for the cancellation of their credit cards.

Why Should You Choose Standard Chartered Bank Credit Cards?

Standard Chartered Bank is one of the oldest financial institutions in the UAE that offers an extensive range of credit cards. Each and every credit card offered by the Standard Chartered Bank is specifically designed to meet the financial needs of various credit card applicants. Although there are innumerable reasons to choose Standard Chartered Bank’s credit card, some of the major ones are listed below:

Variety

Ranging from cash back Standard Chartered Credit Card to travel benefits credit card, SCB offers a variety of credit cards. Their vast variety enables an individual to pick a card that suits their financial and lifestyle needs perfectly.

Experience

With over 150 years of experience in the UAE market, Standard Chartered Bank has included the most relevant features and benefits to its credit cards.

Accessibility

With more than 1200 bank branches in 70+ countries, Standard Chartered Bank provides outstanding service throughout the world.

Benefits

Each and every Standard Chartered Credit Card is loaded with ultimate benefits, ranging from lifestyle, travel, dining, shopping, entertainment and much more. Standard Chartered Bank’s aforementioned benefits & features are some of the best in the world.

Standard Chartered Bank Credit Cards FAQs

Q.1. What is a supplementary card?

The supplementary card is basically an additional credit card that the primary cardholder can avail for their eligible family members. While the supplementary card offers the same benefits & privileges as offered by a primary card,  the credit limit for the supplementary card is different.

Q.2. What should I do if my credit card is lost or stolen?

The first and foremost thing to do is report your lost or misplaced card to your card issuer. Either you can block your credit card through the mobile banking app or by calling the customer care helpline number. This should be done as soon as the card is lost/ stolen in order to prevent any fraudulent charges that could be charged on the lost/stolen card.

Q.3. What is the Standard Chartered 360° Rewards Program and how does it work?

When compared to any other rewards programs, 360° Rewards is amongst one of the best rewards programs in the UAE. This program enables the cardholder to earn rewards points on their credit card spend. For every US $1 spent, the cardholder will earn 1 point for transactions made on supermarkets, utility bills, real estate agent payments, property rentals within the UAE.

Q.4 What is the scope of Credit Shield Insurance coverage?

Credit Shield Insurance (CSI) provides financial security to the cardholder as well as their eligible family members in the event of an unforeseen event such as natural death, critical illness, loss of employment, or permanent disability. Basically, it offers insurance coverage to the card member when they are unable to pay the outstanding balance on their credit card due to an unfortunate event.

Q.5. How can I pay my credit card bill?

You can pay your credit card bill using any of the following ways:

  • Online banking/mobile banking
  • Cash deposit machine (CDM) installed at all Standard Chartered bank branch in the UAE. You can mail your cheque or deposit it any of the SCB branches across the country.

Q.6. What is a cash advance?

Any cash withdrawal that is made through a bank branch or an ATM using the credit card is known as a cash advance. Generally, credit cards charge a high rate of interest on cash advances. Therefore, it is advisable to avoid withdrawing cash through credit card. Instead, you can use your debit card to make cash withdrawals.

Q.7. How can I view my credit card statement?

You can view your latest as well as two previous Standard Chartered Credit Card statements online. All you are required to click on Card Information option under Card Services category and select the statement you want to view.

Q.8. what is an over-limit fee?

If the outstanding amount of a credit card exceeds the prior set credit limit, the card member is charged an over limit fee. Cash advances, interest and all other charges are also included in the outstanding amount of a credit card account.

Q.9. Is there any interest charged on easy payment plans?

You can enjoy a 0 percent interest rate for six months on easy payment plans.

Q.10. What is the foreign transaction fee?

On overseas transactions, your credit card issuer charges a foreign transaction fee of up to 2.99 percent of the transaction amount. The fee is charged every time you make a purchase or withdraw cash in an abroad country.