- Shariah Compliant Solution
Pakistan's first and only Riba-free Credit Card that provides easy acceptability and convenience across the globe. - Fixed Fee Structure
The fee structure is based on monthly fixed fee unlike conventional credit cards, where fee is a percentage of the outstanding amount or transaction amount - Global Acceptability
Your Standard Chartered Saadiq Credit Card can be used at more than 30,000 establishments in Pakistan and over 24 million locations worldwide. This gives you convenience, recognition and security wherever you are. With the Saadiq Credit Card, you can pay for shopping, meals, travel, entertainment; virtually anything that money can buy. Whether you spend in dollars or in any other currency, all your billings will be in Pak Rupees. - Buy Now, Pay Later
With your Saadiq Credit Card, you have a free credit period of up to 51 days to pay for your purchases. - Minimum Amount Due Policy:
Please note that under the Minimum Amount Due (MAD) calculation, effective from 15th March' 2010, the Minimum Amount Due will be calculated as follows:- If your current balance is less than PKR 500, you will have to pay the balance in full.
- In case the current balance amount is more than PKR 500, the Minimum Amount Due will be equivalent to PKR 500 or 1% of your principal balance amount, whichever is higher.
- In addition to the above stated amount, the following fees and charges (all or those applicable) will also be a part of the minimum payment amount:
- Maintenance Charges
- Other fees
- Any amount payable over and above the credit limit of the credit card
- Amount of the unpaid/outstanding minimum payment amount due in the previous month(s) date
- Fixed monthly installment (if you are subscribed to an installment plan)
- Monthly Maintenance Fee:
For it services, the bank will charge a fixed Monthly Maintenance Fee depending on the card type. *However, the bank may waive off the charges for any given month on its own discretion. - Cash Advance:
You do not need to carry cash any more, if you have a Standard Chartered Saadiq Credit Card. Any amount up to 30% of your credit limit is available to you as cash. You can obtain cash advance at ATMs and financial institutions worldwide displaying the VISA logo. - Supplementary Cards:
Share the experience with your loved ones! You can gift family members, employees, or absolutely anyone with a Saadiq VISA Supplementary Card and let them enjoy the benefits and privileges Saadiq VISA Credit Cards have to offer. Avail up to 5 Supplementary Cards and have them made for anyone who is more than 18 years of age. All your Supplementary Card members share your basic credit limit. The Supplementary Cards will carry a separate account number so that in case of loss or theft, only the affected cards need cancellation. The unaffected Card(s) continue to enjoy uninterrupted Card usage. All charges incurred on the Supplementary Cards will be reported on your monthly statement - 24 hours Phone Banking Customer Service
You now have access to round-the-clock banking. At Standard Chartered Phone Banking, you can avail a variety of services through our self-service banking option or speak to your personal Phone Banker. The services available include Credit Card account balance information, bill payments and much more. Our Phone Bankers are available round-the-clock to register complaints and respond to your queries. For more information, just dial 111-002-002 or email us at: Ask.us@sc.com - eStatements
It's always our priority to provide our customers with optimal convenience. Standard Chartered offers you the facility to have your Credit Card statements emailed to you, so you can stay updated no matter where you are. - SMS Banking
Get the convenience, privacy and security of banking through your mobile phone. Receive instant access to your account information including your outstanding balance or payment due date. Simply register your mobile number with Standard Chartered SMS Banking and get complete control of your account whenever and wherever! - Internet Banking
Our free Internet Banking Service gives you the ability to manage your Credit Card and Bank Account 24 hours a day, 7 days a week.
Online Services
- Islamic Banking
- Credit and Debit Cards
- Saadiq VISA Credit Cards
Saadiq VISA Credit Cards
At Standard Chartered, we believe in respecting your values. We are pleased to introduce Standard Chartered Saadiq VISA Credit Cards – Pakistan’s first Shariah compliant Riba-free Credit Cards, which combine the international acceptability of VISA with worldwide reliability and excellent service.
Saadiq VISA Credit Cards have been carefully developed by an international team of professionals with Islamic financial expertise, who ensure that our products are within the guidelines of Islamic finance. Saadiq Credit Cards operate on the 'Ujrah' concept which is based on a fixed fee structure, meaning that only fixed fee will be charged to the customer. The Card would not be levied with any floating percentage fee dependent upon the outstanding balance.
Saadiq VISA Credit Cards give you the option of either paying the entire outstanding amount or pay only a minimum amount of the outstanding balance by the payment due date. In consideration of the continued usage of the card and the benefits and privileges associated with the Card, a fixed maintenance fee will be payable on a monthly basis.
