Standard Chartered Bank Saadiq Gold Card
Standard Chartered Bank Saadiq Gold Card

Standard Chartered Bank Saadiq Gold Card

                           Best Islamic Credit Card With Premium Privileges

Key Product Features

Interest Rate 36.00%
3% Per Month and 36% Per Year
Minimum Monthly Income BDT 35000
Balance Transfer Yes

Annual Fee BDT 3000 for Principle holder. Free for 1st two supplementary cards. BDT 1000 for 3rd supplementary card & onwards.

Fees and Charges

Over limit fee
BDT 1000

Fee for supplementary holder
BDT 1000
Vat on fees and charges

Late Payment fees
BDT 500 if minimum due is not paid within due date
Other Charges
Cash advance charges BDT 300
Cash advance interest charges 33% Per Year and 92 Paisa on BDT 1000 Daily
Cheque Advance / Withdrawal Charge 2.5%
Return cheque fee BDT 500

See Other Requirements

Other Features

Islamic/Conventional Islamic
Credit Limit Min: BDT 50000
Max: BDT 150000
Cash Advance / Withdraw Amount 50% of Credit Limit
Cash back limit (Max) Mentioned in the campaign and there is no fixed amount of cash back limit
Reward points 1 Rewards Point For Each 50 Taka Retail Spends
Expires: 3 Years
Protection Plan / Insurance Coverage N/A
InstaBuy / Installment Features 0% InstaBuys for up to 12 months
Airport Lounge access: N/A
Luggage service: N/A
Other service: N/A


Min. Age Requirement: 19Years

Min. Monthly Income: BDT 35000

Employment Eligibility
  • Salaried Employee
  • Self Employed/Businessman
  • Land Owner

Documents requirements

​​Common Documents for Everyone:

  • ​Photo ID (National ID Card  / Passport / Driving License).    
  • If National ID Card is  not provided, declaration letter is required.    
  • If National ID Card is lost, GD  Copy is required.    
  • TIN Certificate 2 copies of Passport size Photographs.    

Financial Documents:

For Salaried Person:  

  • LOI/Pay Slip
  • 6 Months Bank Statement,    


  • Valid Work Permit for Foreign Nationals,
  • Updated  Trade License of Minimum 3 Years / Partnership Deed / MOA, Form X & XII, Board Resolution.


  • Title Deed  & Municipality Holding tax paper
  • 1  Year Bank Statement

Self Employed Professional:

  • Certificate of Professional 
  • 1 Year Bank Statement

Other requirements

See Other Requirements

Standard Chartered Bank Saadiq Gold Card

  • Reward Points Redemption for Yearly Fee Waivers 50% @ 2000 Points, 100% @ 4000 Points

Fees and Charges:

  • Minimum Amount Due 5% or BDT 500, whichever is higher
  • Card Replacement Fee BDT 500
  • Monthly Maintenance Fee BDT 2500
  • Cash Advance Service Fee BDT 300
  • Duplicate Statement (Last 2 Months) BDT 300
  • Duplicate Statement (Beyond Last 2 Months) BDT 500
  • Certificate Charge FREE
  • Card Cheque Transaction Fee BDT 1000
  • Closed Card Administrative Fee BDT 500
  • Cheque Book Issuance Fee: 1st Card Cheque Book (10 Leaves) FREE and 2nd Card Cheque Book (20 Leaves) BDT 200
  • SMS Banking FREE
  • Internet Banking FREE
  • Auto Bills Pay FREE

Up to 20% Off on Partner Restaurants and Exclusive Buy 1 Get 1 FREE Dinner Offer at Khazana, Uttara.

No Specific Features But Can Redeem Rewards Points From Partner Grocery Shops.

Up to 55% Off on Room Rents at Partner Hotels

0% InstaBuys for up to 12 months at Partner Shops

0% InstaBuys for up to 12 months at Partner Shops

0% InstaBuys for up to 12 months at Partner Electronics Shops

Biman Bangladesh Airlines: 20% Discount on base fare on all class for Dhaka-Kathmandu Route. 15% Discount on base fare on Economy Class only for Dhaka-Bangkok Route. 10% Discount on base fare on all class for all other Domestic and International Routes.