Best Credit Card In UAE
+971
Standard Chartered Bank (SCB) Credit Cards

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • AED 500 Cashback as Joining offer
  • Buy 1 Get 1 at costa coffee
  • 20% off on 3 Careem rides
  • Access to Visa concierge
  • VIP guest status in 900+ international properties

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.75 % / Min 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • VIP guest status over 900+ international properties to enjoy VIP guest status
  • Supported by Apple Pay, Samsung Pay, Google Pay and Fitbit Pay
  • Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE
  • Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass
  • Ease your trip at 450+ destinations
  • multi-trip travel insurance
  • 24×7 personalised services with Visa Infinite Concierge.
  • Buyers Protection
  • Get 20% off 3 Careem rides and 30% off 3 Careem Food & Shop

Reward Features

2% cashback on international spends or transactions made in foreign currency
1% on all other domestic spend

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • First year free second year onwards AED 525
  • Buy 1 Get 1 Free on 2D and 3D movie tickets at all VOX
  • Discounts of up to 20% at over 200 airport restaurants
  • AED 500 Cashback Welcome offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid..

Key Features

  • Earn 1 Reward Point for every $1 spent
  • Buy 1 Get 1 Free at Costa Coffee in UAE
  • 4 free tickets at VOX through Buy1 Get 1 and 20% discount at Reel Cinemas
  • Get 50% off at VOX Cinemas on Sundays across UAE
  • Dine & Fly with Dragonpass
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 30% off the total bill with Visa Timeout
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Purchase protection for up to 365 days
  • Extended warranty
  • The Good Life privileges offers
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card

  • Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  • Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  • Redeem your points for the latest electronic gadgets, lifestyle offers, travel and much more.
  • Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes.

Things To Be Aware Of

  • 2 supplementary cards are free, AED 157.50 thereafter
  • Reward points expiry 3 years from date of earning

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • First year free card
  • 20% off on 3 Careem rides and 30% off 3 Careem Food & Shop
  • 25% Off for YQ’s Specialist Airport Assist Services
  • Buy 1 Get 1 at Costa Coffee

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Up to 10% cashback on online spends
  • Up to 10% cashback on foreign currency spends
  • Up to 10% cashback on mobile wallet spends
  • Complimentary airport lounge access to over 20 local & international lounges
  • Buy 1 Get 1 Free at Costa Coffee
  • Up to 30% off on travel with Cleartrip
  • Up to 10% off on Hotels.com
  • Purchase protection upto 90 days from date of purchase
  • Optional Credit Shield Insurance
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:

Supermakets spends, utility spends and education:

  • Total spends less than AED 2,499 - 0% cashback
  • Total spends between AED 2,499 & AED 7,499 - 3% cashback (max cashback AED 100)
  • Total spends between AED 7,499 & AED 14,499 - 5% cashback (max cashback AED 200)
  • Total spends above AED 14,499 - 10% cashback (max cashback AED 400, AED 200 for utilities)

Upto 10% on online, foreign currency and mobile wallets. 

Cashback points are valid for 12 months.

Value of a point is 1 AED

Things To Be Aware Of

  • All cashback categories have max caps
  • No cashback on retail spends
  • First year Free- Second year AED 525

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Shariah compliant fixed-fee card
  • No cash advance fee on ATM
  • Complimentary lounge access in 300 cities
  • 20% off on careem rides
  • AED 500 Cashback Welcome offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Premium lifestyle benefits
  • Earn Reward points on all spends
  • AED 1000 Cashback as joining bonus
  • Loaded with travel benefits!

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

AED 1000 cashback joining offer ( requires a spend of AED 10000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • Earn 360° Reward Points on all spends
  • Exclusive unlimited Fitness First access
  • Complimentary round of golf through Golflans offered by SCB. Discounts at 34 clubs in the UAE and Muscat
  • Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
  • Avail upto 14 tickets at buy1 get 1 at VOX
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Buy 1 Get 1 Free at Costa Coffee
  • The Good Life privileges offers
  • 24/7 Concierge service
  • Extended warranty
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts

Reward Features

Earn 360° Reward Points on all spends

  • Earn 360° Reward Points on all spends
  • Earn 2% of your Rewards Points balance as cashback with any airline bookings
  • Earn 2 360° Reward Point for every US $1 on International Spend
  • Earn 1 360° Reward Points for every US $1 Domestic Spend
  • 360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more
  • Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty programmes.
  • (USD 1 is defined at AED 3.673)

Things To Be Aware Of

  • Reward points expiry 3 years from date of earning

Standard Chartered Bank

Headquartered in Dubai – UAE, Standard Chartered is a leading banking group globally with an 150-year-old history in some of the world’s most dynamic markets. Commenced its operation in 1958 Sharjah UAE, the banking group has immensely grown its network by catering to many nationalities, groups, businesses helping them to prosper and in their financial needs.

The banking group offers an extensive range of Islamic and conventional banking products and services for retail, private, commercial and corporate.

Some offerings of the bank are:

  • Accounts & Deposits
  • Credit Cards
  • Loans & Mortgages
  • Investments
  •  Insurance

Standard Chartered Credit Cards

SCB offers credit cards that range from cashback to reward cards, value back, perks of enjoying exclusive lifestyle privileges and much more with each card featuring its own benefit. The bank offers eight types of credit cards in UAE catering to both the customers of conventional as well as Islamic banking.


Popular Cards from Standard Chartered Bank (SCB)

Income Eligibility

Annual Fee

Interest / Profit Rate

Standard Chartered Cashback Credit Card

AED 8,000

AED 525

3.45

Standard Chartered Manhattan Platinum Card

AED 8,000

AED 525

3.45%

Standard Chartered Platinum X Credit Card

AED 8,000

AED 0

3.45%

Standard Chartered Saadiq Visa Signature

AED 8,000

AED 315

3.45%

Standard Chartered Visa Infinite Card

AED 30,000

AED 1,575

3.45%

Standard Chartered in the UAE offers the above five cards. Their minimum income starts at AED 8000; however, this is only for companies which are listed with Standard Chartered. For those companies which are not listed with Standard Chartered minimum income starts with AED 10,000. 

Now, let us look at the credit cards and understand their features.


Standard Chartered Visa Infinite Card is the on the top of the league catering to customers who earn a minimum of AED 30,000. This card offers 360° Reward Points on all spends

Earn 2% of your Rewards Points balance as cashback with any airline bookings

Earn 2 360° Reward Point for every US $1 on International Spend

Earn 1 360° Reward Points for every US $1 Domestic Spend

360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more

Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty program.

Some of the strong features on this credit card are

  • AED 1000 cashback joining offer
  • Earn 360° Reward Points on all spends 
  • Four free Careem airport rides per year with a maximum of AED 100 per ride.
  • Exclusive unlimited Fitness First access
  • Complimentary round of golf through Golflans offered by SCB.  Discounts at 34 clubs in the UAE and Muscat
  • Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
  • Avail up to 14 tickets at buy1 get 1 at VOX 
  • Travel insurance cover up to $1,000,000 covering the cardholder & family for trips up to 90 days in duration
  • Buy 1 Get 1 Free at Costa Coffee
  • The Good Life privileges offers
  • 24/7 Concierge service
  • Extended warranty
  • 24-hour personalized premium concierge service 
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts

Standard Chartered Cashback Credit Card offers AED 500 cashback joining offer (requires a spend of AED 5000). The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2% cashback on international spends or transactions made in foreign currency

1% on all other domestic spend

  • AED 500 cashback joining offer
  • VIP guest status over 900+ international properties to enjoy VIP guest status supported by Apple Pay, Samsung Pay, Google Pay and Fitbit Pay
  • Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE
  • Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass
  • Ease your trip at 450+ destinations 
  • multi-trip travel insurance
  • 24×7 personalized services with Visa Infinite Concierge.
  • Buyers Protection
  • Get 20% off 3 Careem rides and 30% off 3 Careem Food & Shop 

Standard Chartered Manhattan Platinum Card offers exciting privileges and earn Rewards Points every time you shop, dine and play. In addition, you can also save over AED 10,000 per year. Apply online now for a Standard Chartered Manhattan Platinum Card.

  •  Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  •  Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  •  Redeem your points for the latest electronic gadgets, lifestyle offers, travel and much more.
  •  Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programs
  •  Some of the key features of this credit card are.
  •  AED 500 joining offer
  •  Earn 1 Reward Point for every $1 spent
  •  Buy 1 Get 1 Free at Costa Coffee in UAE
  •  4 free tickets at VOX through Buy1 Get 1 and 20% discount at Reel Cinemas
  •  Get 50% off at VOX Cinemas on Sundays across UAE
  •  Dine & Fly with DragonPass
  •  8% discount on hotel bookings made at Hotels.com
  •  Up to 30% off the total bill with Visa Timeout
  •  Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  •  Purchase protection for up to 365 days
  •  Extended warranty
  •  The Good Life privileges offers
  •  Access to over 200 airport restaurant offers globally
  •  Visa Luxury Hotel collection offers
  •  2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  •  4 free months of Angami Plus

Standard Chartered Platinum X Credit Card gives you up to AED 1,000 back per month everywhere. You can now save up to 10% when you spend online, in foreign currency and via mobile wallet. Apply now online!

  •  Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
  •  Supermarket spends, utility spends and education:
  •  Total spends less than AED 2,499 - 0% cashback
  •  Total spends between AED 2,499 & AED 7,499 - 3% cashback (max cashback AED 100)
  •  Total spends between AED 7,499 & AED 14,499 - 5% cashback (max cashback AED 200)
  •  Total spends above AED 14,499 - 10% cashback (max cashback AED 400, AED 200 for utilities)
  •  Up to 10% on online, foreign currency and mobile wallets. 
  •  Cashback points are valid for 12 months.
  •  Value of a point is 1 AED
  •  Up to 10% cashback on online spends
  •  Up to 10% cashback on foreign currency spends
  •  Up to 10% cashback on mobile wallet spends
  •  Complimentary airport lounge access to over 20 local & international lounges
  •  Buy 1 Get 1 Free at Costa Coffee
  •  Up to 30% off on travel with Cleartrip
  •  Up to 10% off on Hotels.com
  •  Purchase protection up to 90 days from date of purchase
  •  Optional Credit Shield Insurance
  •  Careem chauffeur benefits - 20% off 3 rides every month
  •  Mastercard Priceless Cities offers
  •  Mastercard Buy 1 Get 1 free offers
  •  Car rental offers from Avis 
  •  Enjoy purchase protection of up to USD 5,000 per annum up to 90 days from the date of purchase


Standard Chartered Saadiq Visa Signature is a Shariah approved credit card.

Below are some of the key highlights of this card.

  •    AED 500 cashback joining offer
  •    Shariah Approved
  •    Buy 1 Get 1 Free at Costa Coffee
  •    Mastercard Priceless Cities Offers
  •    Unlimited access at over 10 lounges across Middle East & Levant
  •    Careem chauffeur benefits - 20% off 3 rides every month
  •    Mastercard Buy 1 Get 1 free offers
  •    Car rental offers from Avis 
  •    Enjoy an up to 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  •    Enjoy purchase protection of up to USD 5,000 per annum up to 90 days from the date of purchase
Popular Cards from Standard Chartered Bank (SCB) Income Eligibility Annual Fee Interest / Profit Rate
Standard Chartered Cashback Credit Card AED 8,000 AED 525 3.45
Standard Chartered Manhattan Platinum Card AED 8,000 AED 525 3.45%
Standard Chartered Platinum X Credit Card AED 8,000 AED 0 3.45%
Standard Chartered Saadiq Visa Signature AED 8,000 AED 315 3.45%
Standard Chartered Visa Infinite Card AED 30,000 AED 1,575 3.45%

FAQs

To apply for a Standard Chartered Credit Card, one must be within 21 to 60 years old. Minimum Monthly Income AED 5,000 and must be a UAE Resident.

One can apply for a Standard Chartered credit card through

  • Soulwallet by submitting a short request on our site.
  • Visiting one of the bank’s branches and submitting required documents
  • Apply directly on the bank’s online application forms.
  • Banks Kiosks at various locations

Soulwallet offers detailed feature comparison and customized Best fits credit card tool which assist customers in making a well-informed personal finance decision.

Standard Chartered cashback credit card offers 2% cashback on international spends or transactions made in foreign currency and 1% on all other domestic spend.

A minimum of AED 8000 is required if you are employed with a company which is listed with Standard Chartered bank. If not, minimum salary required is AED 10,000. The best way to go about with this is to apply for a card and you will find out if your company is listed or not.

You can earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card.  Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. Redeem your points for the latest electronic gadgets, lifestyle offers, travel and much more. Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programs.

Standard Chartered Manhattan offers customers 4 tickets during weekdays in a month through "Buy 1 get 1" on Standard tickets at VOX. This comes along with 20% off on select meals on all days. In addition to this, customers can also avail 20% off on weekdays at Roxy Cinemas. 

Standard Chartered Visa infinite offers 8 tickets - buy1 and get 1. 20% off at Roxy on weekdays and not valid on holidays. Offer available only till 30th Sept 2020., Promotion is not valid for Vox gold, 3d. vox plus 3d, Vox 4d. There is no minimum spend required.


You can apply for Standard Chartered Saadiq Visa signature credit card which is a shariah compliant credit card. This card comes with features such as airport lounge access, 20% off on Careem rides, no cash advance fees on ATMs. You can also avail up to 4 supplementary credit cards free on your primary card.