Islamic Banking - Credit & Debit Cards - Saadiq VISA Platinum Credit Card

1. Saadiq VISA Platinum & Platinum Plus: The Saadiq Visa Platinum Credit Card symbolizes your values and encourages you to enjoy benefits of Shariah Complaint credit card first and only in Pakistan. This premium Islamic product is equipped with a vast array of exclusive services especially designed to complement your lifestyle. With the Saadiq VISA Platinum Credit Card, enjoy personalized customer service, exciting offers and a world of exciting offers. Benefit from unmatched discounts and concierge facilities in a vast array of travel, dining and hotel-related avenues. Take advantage of an unrivalled 5% Cashback – that you can avail through spending on Supermarket, Dining & Hospitals (as health care facilities) in Pakistan or abroad. Cash back will appear in your Statement of Account every month. Not only this you can enjoy 1% Cashback on your other retail spending, however maximum Cashback will not exceed Rs. 2500 per month. So whether you choose to Spend in supermarkets or restaurant will get your 5% Cashbank every month, the Saadiq Platinum experience ensures you avail the best that life has to offer. Cash back will not be offered on Saadiq PIA Cobrand Credit Cards.

2. Saadiq VISA PIA CoBrand Platinum & Platinum Plus: The Saadiq VISA PIA CoBrand Platinum offers an exclusive range of travel privileges with PIA's frequent flyer program; PIA Awards +Plus. 15% Savings on PIA Tickets: Enjoy unmatched savings on international as well as domestic airfare. When you use your Saadiq VISA PIA CoBrand Platinum Credit Card to purchase your PIA Ticket from any one of PIA Booking Offices or PIA Reservation Counters, you will save 15% on the ticket's airfare. Complimentary PIA Awards +Plus Membership: You shall receive a Diamond Awards +Plus Membership Card absolutely free with your Saadiq VISA PIA CoBrand Platinum Credit Card. As a Diamond Award +Plus Cardholder, you are entitled to the following special benefits and many, many more: Earn 50% Bonus Airmiles on all PIA Trips Earn an additional 10% Airmiles on Economy Plus Class PIA Flights Earn an additional 25% Airmiles on Business Class PIA Flights Complimentary access to PIA Business / CIP lounges in Karachi, Lahore and Islamabad airports where available. Airmile Redemption & Rewards You can now redeem your Airmiles against Free Tickets, Class Upgrades, Excess Baggage and a host of other exciting PIA Rewards.

Personalized Customer Service: For any question pertaining to your Saadiq Platinum Credit Card, you can avail our Specialized Services 24 hours a day. So whether you require information about your card balance, account status or any other detail, simply dial our UAN number at 111-722-723 and get an instant response to all your queries and concerns.
Platinum Travel Desk: Whether you have to plan your family vacations and business trips or arrange to be picked up from the airport, the Platinum Travel Desk is at your service. You no longer have to go from one travel agent to another to find the best rates for tickets to your favorite travel destination.
Flight Reservation: Sit back and enjoy making convenient flight reservations and having your tickets delivered to your doorstep anywhere in Karachi, Lahore and Islamabad. You no longer have to go from one travel agent to another to find or reserve the best rates for tickets to your favorite travel destination. Simply call and allow us to make your bookings.
Pre-Trip Services: Stay updated with all prerequisite information and requirements prior to your business and/or personal trips. Allow our travel desk experts to update you with the latest weather, tourist attractions, local customs. You can also obtain information on vaccination, travel visas, currency exchange rates, protocol information and risk assessment recommendations for specific travel destinations.
Hotel Reservation: Your accommodation during your trip can also be arranged through the Platinum Travel Desk. All you have to do is tell our Travel Desk representative your dates of travel and your destination and hotel preferences. Our professionally trained Travel Desk representatives will cater to your needs and make reservations as per your requirements.
Visa Assistance: Your Visa issuance process can now be handled by our professionally trained Travel Desk representatives. Our Passport & Visa assistance program updates you on country specific visa requirements, plus all the applicable procedures and policies. By accessing predetermined public Internet web sites, our Travel Desk representatives provide content information and contact with the nearest Embassy or Consulate.
Platinum Concierge Services: The country wide Platinum Concierge Services ensure that the next time you need to send flowers home, get around the city or book tickets for the opera or that blockbuster movie you’ve been dying to see, all you have to do is dial in on UAN: 111-722-723 and leave the rest to us.
Platinum Dining: Making reservations on your behalf, in the finest restaurants; all so you can enjoy a convenient, hassle-free dinner in style. Enjoy your scrumptious meal in a relaxed ambience at your favorite high end restaurants! Savor the moment with our Platinum Dining experience.
Flowers and Gift Assistance: Helping you send your loved ones special gifts from our exceptional assortment of flowers and miscellaneous gift items. You can now send floral bouquets and gift hampers to your family and friends and brighten their day! This service is however, applicable for Cardholders based in Karachi, Lahore and Islamabad.
Car Rental and Limousine Service: Providing you chauffer driven, limousines in order to help you travel in comfort and luxury. You can also acquire worldwide car rental rate information including vehicle availability. Our Platinum Concierge staff can aid you in making car reservations, all so you can travel in convenience and comfort. Special Discounts will be offered to Saadiq Platinum Plus members
Entertainment: Our concierge services ensure that tickets and passes to major events, premier shows, concerts and plays are made available to you. If you forget to book your passes before hand, our representatives will work their magic to get you your desired tickets. Life was never this entertaining!
Global VISA Platinum Concierge Services: Whether you are vacationing abroad or flying on a business trip, be sure to utilize the comprehensive Global VISA Platinum Concierge privileges. Our Customer service personnel provide you ‘Information & Reservation Services’ on a wide range of issues as and when requested.
GLOBAL CUSTOMER ASSISTANCE SERVICE (GCAS): GCAS is a wide-ranging customer services program that you can access whenever you travel overseas. GCAS is available any time of the day, the whole year round. This facility acts as an additional feature which allows you to use the various emergency services available under the GCAS-program. You can now rest assured that you will be taken care of in all emergency scenarios through your Standard Chartered Saadiq Platinum Credit Card.
Zero Loss Liability: Isn’t it comforting to know that if you lose your card, you will have nothing to worry about? You are covered for all fraudulent charges made on your Credit Card after it has been reported lost to Standard Chartered through Phone Banking. So make sure you report the loss immediately upon discovery. Please, also note that all transactions conducted on the lost Card before it is reported as lost will be the customer’s liability.

1 | 2 | 3 | 4

FAQs for All Saadiq VISA Platinum / Platinum Plus Card Members:

Q. How do I activate my Saadiq VISA Platinum Credit Card?
Upon receiving your Saadiq VISA Platinum Credit Card, simply call our Customer Services at 111-722-723 from your contact numbers (Office/Residence) registered on our system and get it activated.

Q. What is Saadiq VISA Platinum credit card?
Standard Chartered Saadiq VISA Platinum credit card is a Shariah – compliant Credit Card, that is interest free. The card operates on the ‘ujrah’ concepts which is based on a fixed fee structure. Saadiq Visa Credit Card provides worldwide benefits with the convenience comparable to a conventional credit card.

Q. Where can I use Saadiq VISA Platinum Credit Card?
The Saadiq VISA Platinum Credit Card can be used globally for any transaction at any merchant outlet accepting VISA Credit Cards.. Please note that Saadiq Credit Card should not be used for items such as alcohol, pork related products, gambling, pornography or other illegal activities. Card member should ensure that the card is not used for such transactions in order to comply with the Shariah principles.

Q. How does Saadiq VISA Platinum Credit Card work?
Saadiq Visa Credit Card, the first ever Shariah – compliant Credit Card, gives 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. A fixed monthly maintenance fee will be levied.

Q. How will I be charged with the maintenance fee?
Inconsideration of the continued usage of the card and the benefits and privileges associated with the Saadiq VISA Credit Card, a fixed maintenance fee will be payable by the card member on a monthly basis. However bank will have a right to waive this monthly fee for a given month at its sole discretion. Fee will be only charged and appear in the statement, in the month the bank decides not to waive the fee. (Please refer to Schedule of Charges).

Q. Does the amount of the maintenance fee differ for varying outstanding balance?
No, monthly maintenance fee is fixed fee and does not depend on the outstanding balance or the duration of the balance revolved. The fee is only dependent on the card type (Platinum / Platinum Plus)

Q. Can I transfer my outstanding balance from any other bank's credit cards to standard chartered Saadiq Visa Credit Card?
Yes, you can transfer the outstanding balance from any other bank's credit card to standard chartered Saadiq Visa Credit Card (Saadiq Visa Credit Card terms and conditions apply). Simply call our 24 hours Customer service at 111-722-723 and our dedicated representative will guide you through the entire process.
Please note that the balance transfer facility on Saadiq Visa Credit Card is available only once during the lifetime of the card.

Q. What if my Card or any of my Supplementary Cards is lost / stolen / misplaced?
In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our Customer Service Representatives on 111-722-723. After you have informed us, you will instantly be secured against any unauthorized transactions.

Q. What if I have a discrepancy / error on my monthly statement?
If you notice any discrepancy in your monthly statement, report the matter to our Customer Services Staff on 111-722-723, within 14 days of receipt of your statement. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

Q. What if I don't want my SAADIQ VISA Platinum Credit Card, or wish to cancel it?
If for any reason, you do not wish to continue using your SAADIQ VISA Platinum Credit Card, please cut the Card into half, and send both halves to our Customer Service Unit. Please do not return your ATM PIN mailer with your Card.

Q. What should I do if I have problems with my SAADIQ VISA Platinum Credit Card Account?
If at any time you face a problem regarding your credit Card account, call our 24 hour Customer Services Representatives at 111-722-723 or please refer to the enclosed list of VISA Emergency Assistance Service contacts in the event of an emergency abroad or you can email your enquiries on our online helpline at: Ask.us@sc.com

Q. How should I handle a change in my address?
You can simply inform us of your new mailing address by calling our 24 hour Customer Services at 111-722-723 and updating your profile.

FAQs for All PIA Platinum CoBrand Card Members:

Frequently Asked Questions (SCB VISA PIA CoBrand Platinum Credit Card)

Q. How do I activate my SAADIQ PIA Cobrand VISA Platinum Credit Card?
Upon receiving your SAADIQ VISA Platinum Credit Card, simply call our Customer Services at 111-722-723 from your contact numbers (Office/Residence) registered on our system and get it activated.

Q. What is Saadiq PIA Visa Platinum credit card?
Standard Chartered Saadiq Visa Platinum credit card is a Shariah – compliant Credit Card, that is interest free. The card operates on the ‘ujrah’ concepts which is based on a fixed fee structure. Saadiq Visa Credit Card provides worldwide benefits with the convenience comparable to a conventional credit card.

Q. Where can I use Saadiq PIA Platinum Credit Card?
The SAADIQ Platinum Credit Card can be used globally for any transaction at any merchant outlet accepting VISA Credit Cards.. Please note that Saadiq Credit Card should not be used for items such as alcohol, pork related products, gambling, pornography or other illegal activities. Card member should ensure that the card is not used for such transactions in order to comply with the Shariah principles.

Q. How does Saadiq Visa Platinum Credit Card work?
Saadiq Visa Credit Card, the first ever Shariah – compliant Credit Card, gives 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. A fixed monthly maintenance fee will be levied.

Q. How will I be charged with the maintenance fee?
Inconsideration of the continued usage of the card and the benefits and privileges associated with the Saadiq VISA Credit Card, a fixed maintenance fee will be payable by the card member on a monthly basis. However bank will have a right to waive this monthly fee for a given month at its sole discretion. Fee will be only charged and appear in the statement, in the month the bank decides not to waive the fee. (Please refer to Schedule of Charges).

Q. Does the amount of the maintenance fee differ for varying outstanding balance?
No, monthly maintenance fee is fixed fee and does not depend on the outstanding balance or the duration of the balance revolved. The fee is only dependent on the card type (Platinum / Platinum Plus)

Q. Can I transfer my outstanding balance from any other bank's credit cards to standard chartered Saadiq Visa Credit Card?
Yes, you can transfer the outstanding balance from any other bank’s credit card to standard chartered Saadiq Visa Credit Card (Saadiq Visa Credit Card terms and conditions apply). Simply call our 24 hours Customer service at 111-722-723 and our dedicated representative will guide you through the entire process. Please note that the balance transfer facility on Saadiq Visa Credit Card is available only once during the lifetime of the card.

Q. Is there a cash withdrawal limit on my Credit Card?
You can withdraw cash up to 30% of your credit limit. For example, if your credit limit is PKR 100,000 and your withdrawal limit is 30%, then your cash withdrawal limit will be PKR 30,000. For further details please call 111-722-723.

Q. Will I be charged any cash withdrawal fee?
On cash withdrawals through ATMs or over the counter transactions, PKR 600 of the transaction amount will be charged per transaction.

Q. What if my Card or any of my Supplementary Cards is lost / stolen / misplaced?
In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our Customer Service Representatives on 111-722-723. After you have informed us, you will instantly be secured against any unauthorized transactions.

Q. What if I have a discrepancy / error on my monthly statement?
If you notice any discrepancy in your monthly statement, report the matter to our Customer Services Staff on 111-722-723, within 7 days of receipt of your statement. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

Q. What if I don't want my SAADIQ VISA Platinum Credit Card, or wish to cancel it?
If for any reason, you do not wish to continue using your SAADIQ PIA VISA Platinum Credit Card, please cut the Card into half, and send both halves to our Customer Service Unit. Please do not return your ATM PIN mailer with your Card.

Q. What should I do if I have problems with my SAADIQ PIA VISA Platinum Credit Card Account?
If at any time you face a problem regarding your credit Card account, call our 24 hour Customer Services Representatives at 111-722-723 or please refer to the enclosed list of VISA Emergency Assistance Service contacts in the event of an emergency abroad or you can email your enquiries on our online helpline at: Ask.us@sc.com

Q. How should I handle a change in my address?
You can simply inform us of your new mailing address by calling our 24 hour Customer Services at 111-722-723 and updating your profile.

Q. On which Fare Classes, are the 15% discounts applicable?
15% discounts on your SAADIQ VISA PIA CoBrand Platinum Credit Card will be available on Y and K fare classes in Economy class, P and W fare classes in Economy Plus class and C and J fare classes in Business Class.

Q. Will I get a discount if I purchase tickets for someone else?
No, Card members can only avail discounts on the tickets they purchase in their own name. (Same for Supplementary)

Q. What other value added benefits will I receive on my SAADIQ VISA PIA CoBrand Platinum Credit Card?
As an SAADIQ VISA PIA CoBrand Platinum Cardholder, you are entitled to a Complimentary PIA Diamond Awards +Plus Membership. You will also have the privilege of enjoying the designated Business Class lounges in Karachi, Lahore and Islamabad by simply presenting the SAADIQ VISA PIA CoBrand Platinum Credit Cards along with your Diamond PIA Awards +Plus Card.

Q. What is the Diamond PIA Awards +Plus Card?
PIA Diamond Awards +Plus Card is a PIA’s Frequent Flyer Card that allows Cardmembers to earn Airmiles when they travel on PIA. The Airmiles on the card can be redeemed for PIA Awards such as tickets, class upgrades, excess baggage and a host of other exciting rewards.

Q. Will I get a separate card for PIA Awards +Plus Frequent Flyer (FF) Program?
Yes. Your Diamond Award +Plus card will have your Unique Frequent Flyer number. The Airmiles collected on your SAADIQ VISA PIA CoBrand Platinum Credit Card will automatically get transferred to your FF Card.

Q. How can I enroll myself in the PIA Awards +Plus program?
Upon activation of your SAADIQ PIA CoBrand Platinum Credit Card, you are automatically enrolled in the PIA Diamond Awards +Plus Program.

Q. Do I have to pay a fee to become a member of the PIA Awards +Plus Program?
No, you are automatically enrolled in the PIA Awards +Plus Program.

Q. How can I find out more about PIA Awards and how many Airmiles will I need to obtain those awards?
You can learn about the required Airmiles for the different awards offered by calling the PIA Call Center, by visiting the PIA Awards +Plus website: www.piaawards.com

Q. Is there any validity of the Diamond PIA Awards +Plus Card?
Diamond Awards +Plus Card has a validity of three years.

Q. What are PIA Awards +Plus Airmiles?
Airmiles are generated by every transaction incurred on your SAADIQ VISA PIA CoBrand Platinum Credit Card as well as by traveling PIA. These Airmiles are then automatically transferred to your Diamond Awards +Plus Card and can be redeemed for a wide variety of PIA Rewards.

Q. How are Airmiles earned?
For every PKR 40 that you spend on your SAADIQ VISA PIA CoBrand Platinum Credit Card, you earn 1 Airmile on your PIA Diamond Awards +Plus Card. Additionally, for every mile traveled on PIA, you earn 1 Airmile on your PIA Diamond Awards +Plus Card.

Q. How does PIA credit Airmiles to my PIA Diamond Awards +Plus Card when I fly with PIA?
These Airmiles are automatically added to your PIA Diamond Awards +Plus Card upon presenting PIA Diamond Awards +Plus Card / Frequent Flyer Number when booking tickets from PIA booking offices or Airport reservation counters. Don’t forget to give your frequent flyer number at the time of booking and purchasing your ticket.

Q. What can I do if I forgot to present my Diamond PIA Awards +Plus Card when booking my ticket?
To get the lost Airmiles you need to call PIA Call Center at 111-786-786 and follow the instructions provided by PIA’s representative to obtain the lost Airmiles.

Q. Can I Purchase Airmiles?
Incase of shortfall of Airmiles at the time of redeeming PIA awards, you have the option to purchase PIA 1 Airmiles @ Rs. 1.5 by calling PIA UAN # 111-786-786.

Q. How can I redeem my accumulated Airmiles?
As an SAADIQ PIA CoBrand Platinum Cardholder, all the Airmiles that you earn on your credit card transactions will automatically get transferred to your Platinum Awards +Plus Card as Airmiles. After you have accumulated a specific number of Airmiles, depending upon the class and destination of the journey, you can redeem your Airmiles by calling the PIA Call Center at 111-786-786, by visiting the PIA Awards +Plus website: www.piaawards.com

Q. What can I redeem my Airmiles for?
Airmiles can be redeemed for PIA Tickets, Class Up-gradation, Excess Baggage vouchers and a host of other exciting PIA rewards.

Q. Can my Supplementary Cardmembers earn Airmiles?
Transactions made on Supplementary Cards will earn Airmiles that shall be transferred to the Primary Cardmember’s PIA Awards +Plus Card.

Q. How can I track my Airmiles?
You can track your Airmiles by visiting the PIA Awards +Plus website at www.piaawards.com and entering your Frequent Flyer number and PIA Diamond Awards +Plus Pin number. You can also track your Airmiles by calling the PIA UAN 111-786-786.

Q. Can I convert my existing SAADIQ Platinum Credit Card to a PIA CoBrand Card?
Yes, you can do so simply by calling 111-722-723. However, at the time of conversion, you should have no outstanding dues. Our Customer Service Officers will be available to facilitate you with the process.

Q. Is there any validity of the Airmiles earned or transferred to PIA?
Yes, Airmiles are valid for 3 years from the date of earning or from the date of transfer from Bank to PIA.

Q. Can I gift the redeemed awards or tickets to my friend and relatives?
Yes, you can gift the redeemed item to anyone you wish.

Q. What happens to my Airmiles if I cancel my SAADIQ VISA PIA CoBrand Platinum Credit Card?
Airmiles that have already been transferred to your PIA Diamond Awards +Plus card until their validity expires after three years.

Q. What should I do if I have problems with my SAADIQ VISA PIA CoBrand Platinum Credit Card Account?
If at any time you face a problem regarding your Credit Card account, call our 24 hour Customer Services Representatives at 111-722-723 or please refer to the enclosed list of VISA Emergency Assistance Service contacts in the event of an emergency abroad or you can email your enquiries on our online helpline at: Ask.us@sc.com

Q. How will I log in to my PIA Awards +Plus Account on the PIA website?
Upon creation of your Awards +Plus account, your frequent flyer number, embossed on your PIA Diamond Awards +Plus Card, and your PIA Diamond Awards +Plus PIN will be used to access your Airmiles account at www.piaawards.com

Q. What if I forget my Diamond Awards +Plus PIN to my Diamond Awards +Plus Account?
If you lost your Diamond Awards +Plus PIN, please call the PIA UAN 111-786-786 for PIN regeneration

1 | 2 | 3 | 4