Credit Card in UAE

Standard Chartered Saadiq Platinum Murabaha Credit Card

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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Standard Chartered Saadiq Platinum Murabaha Credit Card is a zero-fee and Shariah-compliant credit card. The cardholder will never have to pay any late payment charges, cash advance charges or over-limit charges. This credit card is recognised internationally and is loaded with amazing travel benefits and lifestyle privileges. It is also convenient and easy to use.

Standard Chartered Saadiq Platinum Murabaha Credit Card

Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 315
  • Airport Lounge Access
  • Travel Discounts
  • Hotel Offers
  • Free for 1st Year

Features of Standard Chartered Saadiq Platinum Murabaha Credit Card

The following are a few features of the Standard Chartered Saadiq Platinum Murabaha Credit Card.

  • Shariah Compliant - This Saadiq Platinum Credit Card from Standard Chartered is a Shariah-compliant credit card. It is approved and issued under the guidance of the Shariah Committee. The Shariah Committee includes the three most respected and renowned scholars in Islamic banking in the whole world.
  • Cash Advance - In times of emergency, there is often no better substitute for cash, and that is exactly what the standard chartered credit card’s cash advance feature offers. The cardholder can use this Saadiq Platinum Card for withdrawing cash equivalent to the available credit limit through any ATM with the logo of MasterCard from any part of the world. The process takes minutes and involves minimal paperwork.
  • Zero Percent Instalment Plan - The cardholder can opt for a 0% installment plan to pay for their purchases of 1,000 AED and above in six monthly installments. They will have to pay no interest on these installments, and only a minimal processing fee will be charged. The best part about this feature is that it can be used to make hefty purchases that are difficult to afford at once but are easier when broken down into easy installments.
  • Mobile Payments - The current era of digitisation has entirely transformed the way people make payments. With the Standard Chartered credit cards, users can make digital payments in two ways. They can make use of their credit cards and make easy mobile payments. Just by tapping their smartphone on a contactless terminal, the cardholder can make payments using Samsung Pay, Apple Pay, Google Pay, and MasterPass.
  • 3D Secure - The 3D Secure feature provides additional security while shopping online through websites having MasterCard Secure Code or Verified by Visa sign. All the transactions will be authorised after the cardmember enters the OTP which is sent to the mobile number registered with the bank.

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Benefits of Using a Standard Chartered Saadiq Platinum Murabaha Credit Card

Here are the major benefits that the Standard Chartered Saadiq Platinum Murabaha Credit Card offers to the cardholders.

  • Access to Airport Lounges - The cardholder can enjoy free and unlimited access to airport lounges across the globe, no matter which travel class or airline they have booked. This offer can be availed through the MasterCard for You App. With the Standard Chartered Saadiq Platinum Murabaha credit card, cardholders can travel freely without worrying about the expenses of airport lounges. This feature adds comfort to your travelling experience, making it even more pleasant.
  • Travel Benefits - Standard Chartered Saadiq Platinum Murabaha Credit Card offers numerous travel benefits, including discounts on Cleartrip and Hotels.com for the cardholders. 
  • Dining Benefits - Standard Chartered Saadiq Platinum Murabaha Credit Card offers various exciting buy 1 get 1 offers at multiple restaurants for the cardholders.

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Rewards & Offers on Standard Chartered Saadiq Platinum Murabaha Credit Card

The following are a few rewards and offers on this Standard Chartered Bank UAE Credit Card.

  • Buy one Get one Coffee Free - The cardholder can enjoy a Buy one Get one free coffee offer at Costa coffee using the Saadiq credit card. All iced and hot teas are included in this offer along with the following hot and iced beverages - Corto, Flat white, Cappucino, Mocha, Americano, Latte, Nitro and Cold Brew.
  • Discount on Hotels.com - The cardholder can save on hotel bookings with a maximum discount of 10 percent on hotels.com.
  • 2 Times Fun - The cardholder can avail of more than 500 Buy one Get one free travel and entertainment offers using the MasterCard For You App.
  • Good Life Privileges - The cardmember may also avail of various privileges that include offers, discounts, easy payment plans, rewards and more with participating partners through this Saadiq Platinum Card.
  • Discount on Careem rides - The cardholder gets a free first Careem ride and can avail a discount of 20 percent on three rides every month.
  • Discount on Cleartrip - This Saadiq Platinum Murabaha Credit Card also offers a maximum discount of 30 percent on travel bookings done using Cleartrip.
  • SC MasterPass - The cardmember can enjoy a convenient shopping experience through SC MasterPass. It is a digital wallet that stores the details of shipping and card payments.

Documents Required for Standard Chartered Saadiq Platinum Murabaha Credit Card

Here are the documents required to apply for Standard Chartered Saadiq Platinum Murabaha Credit Card.

  • Emirates ID (for identity verification) – A copy with the original document
  • Passport with Residency Visa – A copy with the original document
  • Trade License (for business employees) – A copy with the original document 
  • Bank Statement (of last three months with the salary credit transaction) – A copy with the original document
  • One of these address proofs – Utility Bill, Emirates ID, Contract of Tenancy 
  • Appointment Letter/Salary Transfer Letter (showing designation and annual income) – A copy with the original document

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Eligibility Criteria and Charges for Standard Chartered Saadiq Platinum Murabaha Credit Card

For applying for this Standard Chartered Credit Card, the applicant should meet the below-mentioned eligibility criteria.

All UAE residents are eligible for Standard Chartered Saadiq Platinum Murabaha Credit Card.

The applicants must meet the minimum income requirement of AED 5,000 to apply for Standard Chartered Saadiq Platinum Murabaha Credit Card.

The applicants must have a good credit score.

The age of the applicant must be between 21 to 60 years. 

How to Apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card?

Here are the simple ways to apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card.

  • Online Banking: Standard Chartered Bank allows applicants to access their funds using its Online Banking Portal. The applicants can use this portal to apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card. After logging into the portal, they need to fill up the online application form for Credit Card and upload all the necessary documents while submitting it. 
  • Mobile Banking: Standard Chartered Bank offers a unique mobile banking app for its customers. The applicants can download this app from their preferred app store and register themselves on the same. In the app, they can go to the credit cards section and apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card in just a few taps.
  • Visit a Branch: The applicants can visit a Standard Chartered bank branch to apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card. They need to fill up the application form at the branch and submit the same with all the essential documents. 
  • Call Customer Support: With Standard Chartered Bank, the applicants can also contact the help and support desk to apply for a Standard Chartered Saadiq Platinum Murabaha Credit Card. On the helpline, the bank representative registers their request and help them complete the entire application process. 
  • Our Website: We at Policybazaar also help applicants apply for their chosen Standard Chartered Bank credit card. The applicants can visit our website and go to the credit cards section to find a credit card that meets their financial preferences. On the website, the applicants can go through the set of features and benefits of all the Standard Chartered Bank credit cards, which help them make an informed decision. They can also call our helpline number if they need assistance. Our experts will guide them through the application process.  

Fees & Charges on the Standard Chartered Saadiq Platinum Murabaha Credit Card

Following are the fees & charges associated with this Standard Chartered Saadiq Platinum Murabaha Credit Card.

Fees & Charges

Amount

Annual Fee on Primary Card

AED 315 

Annual Fee on Supplementary Cards

First four cards: Free 

Fifth card onwards: AED 157.50 

Profit Rate on Retail Transactions

3.25% monthly

Profit Rate on Cash Transactions

3.25% monthly

Cash Advance Charge

AED 0 

Over-limit Fees

AED 0 

Late Payment Fees

AED 0 

Smart Payment Plan/Easy Pay/ Balance Transfer

AED 1,785 (maximum

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FAQs on Standard Chartered Saadiq Platinum Murabaha Credit Card

Q1: What is the annual membership fee charged on the Standard Chartered Saadiq Platinum Murabaha Credit card?

Ans: The Standard Chartered Saadiq Platinum Murabaha credit card charges an annual membership fee of AED 315.

Q2: How many free supplementary credit cards can a cardholder get with the Standard Chartered Saadiq Platinum Murabaha Credit Card?

Ans: With the Standard chartered Saadiq Platinum Murabaha Credit Card users can get first four supplementary credit cards for free. 

Q3: What is the minimum income required to apply for Standard Chartered Saadiq Platinum Murabaha Credit card?

Ans: The minimum income required to apply for the Standard Chartered Saadiq Platinum Murabaha credit card is AED 5000.

Q4: What is the rate of interest applicable on cash transactions with the Standard-chartered Saadiq Platinum Murabaha Credit card?

Ans: The rate of interest applicable for the standard chartered Saadiq Platinum Murabaha credit card on cash transactions is 3.25% per month.

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