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CashbackVisa
Standard Chartered
X Credit Card
No salary transfer needed
Min. salary
AED 8,000
Annual fee
AED 525
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%
First year free
01Fees & rates
What it costs.
- Annual fee
- AED 525
- Fee note
- First year free
- 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
- AED 8,000
- Salary transfer
- Not required
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.
- Availability of the ‘Buyers Protection’ feature
- Tap to Pay feature for easy payments with mobile wallets
- Complimentary visits (8 times per year) to more than 1,000 airport lounges in 300+ cities
- Multi-trip travel insurance for trips of up to 90 days duration
- 25% discount on YQ’s Specialist Airport Assist Services at 450+ locations
- 24/7 Visa Concierge Services
- Up to 20% discounts at more than 200 airport restaurants with DragonPass
- Up to 10% cashback on the following — All offline and online foreign currency spending All mobile...
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.