Standard Chartered credit cards
Standard Chartered Bank is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: interest on purchases 44.28% a year (3.69% a month), fixed.
Standard Chartered Bank is on the Central Bank of the UAE’s register as a foreign bank licensed for conventional retail banking in Dubai.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a Standard Chartered credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Interest on purchases | 44.28% a year (3.69% a month), fixed |
| Annual fee | AED 525 on Simply Cash, Manhattan Rewards+ and X, first year free; AED 1,575 on Journey, waived if you spend AED 10,000 in the first 60 days |
| Minimum payment | 1% of the principal plus all fees and interest, or AED 110, whichever is higher |
| Cash advance fee | 3.15% or AED 105, whichever is higher |
| Foreign currency fee | Up to 2.99% on payments abroad or in a foreign currency, plus Visa's processing fee of up to 1.15% |
| Late payment fee | AED 241.50 |
| Over-limit fee | AED 292.95 each month you are over the limit |
The figures come from Key Facts Statement for Your Standard Chartered Credit Card (Undated).2
Standard Chartered’s key facts statement says that if you cancel within the cooling-off period it refunds related fees less direct costs already incurred, such as cash advance fees, over-limit fees and interest.2
What salary do you need for a Standard Chartered card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.3 Standard Chartered publishes these minimums:4
| Card | Minimum monthly salary |
|---|---|
| Lowest listed on its credit cards page | AED 8,000 |
How do you complain to Standard Chartered?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules Standard Chartered must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.5 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
5
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Standard Chartered, Key Facts Statement for Your Standard Chartered Credit Card, Undated. Last checked 12 Nov 2026. Source document: Key Facts Statement for Your Standard Chartered Credit Card
3Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
4Standard Chartered, Credit cards. Last checked 12 Nov 2026. Source document: Credit cards
5Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published