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Everyday
Standard Chartered
Smart Saadiq Credit Card
Min. salary
–Not published in the catalogue yet; it is not zero.
Annual fee
–Not published in the catalogue yet; it is not zero.
Monthly rate
3.45%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.2%
01Fees & rates
What it costs.
- Annual fee
- –Not published in the catalogue yet; it is not zero.
- Monthly rate
- 3.45%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.2%
- Minimum salary
- –Not published in the catalogue yet; it is not zero.
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- No Cash Advance fee
- Buyers Protection feature available
- Tap to Pay feature for easy payments with mobile wallets
- Globally accepted Sharia-compliant card
- No over-limit fee applicable
- Complimentary visits (8 times/year) to 1,000+ airport lounges across 300 cities
- ‘Buy 1 Get 1’ free Vox and Reel Cinema tickets.
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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.