Standard Chartered UAE Credit Cards

Minimum Salary
0,00 د.إ

Description

Standard Chartered UAE credit cards carry a monthly retail finance charge of 3.45% (41.40% APR) and cash advance rate of 3.75% per month, with up to 55 days’ interest-free on purchases when the full statement balance is settled by the due date. Annual fees, minimum income thresholds, and rewards structures vary across card variants.

Features

Fees & Charges Schedule

Fee Type	Journey	Simply Cash	Smart Saadiq	Manhattan Rewards+	X Card
Retail Finance Charge	3.45%/m	3.69%/m	3.45%/m	3.45%/m	3.45%/m
Cash Advance Finance Charge	3.75%/m	3.75%/m	N/A (0 fee)	3.75%/m	3.75%/m
Cash Advance Fee	3.15% min AED 105	None	None	3.15% min AED 105	3.15% min AED 105
Annual Fee	AED 1,575*	AED 525*	AED 315*	AED 525*	AED 525*
Late Payment Fee	AED 242	AED 242	0	AED 242	AED 242
Over-limit Fee	AED 293	AED 293	0	AED 293	AED 293
Foreign Currency Fee	2.99%	2.99%	2.99%	2.99%	2.99%
Balance Transfer Rate	Special offer	Not available	Not applicable	Not available	Not available

*Annual fee waived first year; subsequent waiver upon meeting minimum annual spend (AED 9,000 for Journey & Simply Cash; AED 2,000 p.a. for Saadiq; AED 9,000 for Manhattan & X Card).

Eligibility Criteria

Age: 21–60 years
Residency: UAE nationals or residents
Minimum monthly income:
- Journey: AED 30,000
- Simply Cash, Saadiq, Manhattan, X: AED 8,000

Documents Required

Emirates ID
Passport copy + UAE visa page
Salary certificate / bank statement (3–6 months)
Utility bill or tenancy contract (≤2 months) for address proof

Additional Info

Journey Credit Card

Earn up to 4 Rewards Points/USD on all spend convertible to airline miles or cashback.
Unlimited airport lounge access for primary cardholder and guest.
4 complimentary Careem Airport transfers per year.
Golf & gym privileges across UAE (Warehouse Gyms).
Minimum spend AED 5,000/mo for up to 5% cashback on airline booking.

Simply Cash Credit Card

2% cashback on international & airline spends; 1% on domestic.
Buy 1 Get 1 free movie tickets on AED 3,000 spend/mo.
Airport lounge access and travel insurance.
No cash advance fees.
Minimum spend AED 9,000 p.a. for annual fee waiver.

Smart Saadiq Credit Card (Shariah-Compliant)

Zero fees: no over-limit, late payment, cash advance, or annual fee after first year (AED 315)*.
Buy 1 Get 1 free movie tickets on AED 3,000 p.a. spend.
Lounge access (8 visits p.a.).
Ingres: discounts on Agoda, com, Bookingbash, Entertainer.
Minimum annual spend AED 2,000 for fee waiver.

Manhattan Rewards+ Credit Card

Earn 5 Rewards Points/USD on dining, groceries, and entertainment; 1 point/USD other spend.
Buy 1 Get 1 free cinema tickets monthly.
Complimentary lounge access and insurance.
Annual fee waiver on AED 9,000 p.a. spend.

X Credit Card

Up to 10% cashback on online & foreign currency spend; 10% on mobile wallet.
Unlimited lounge access & DragonPass
Coffee & cinema buy-1-get-1 benefits.
Annual fee waiver on AED 9,000 p.a. spend.