You can apply for a credit card online or through the SC Mobile app. There’s a wide variety of cards to choose from, each with its own distinct privileges.
Fill in the details and click “OK” to submit. Once we receive your application, we’ll verify whether you’re eligible for the card. You can also apply on our SC Mobile app.
Simply download the app, go to “Apply for a Credit Card” and follow the instructions. You can get your card in 24 hours. Subject to approvals and T&C apply.
How to activate your credit card online?
If you wish to activate your card immediately, you can easily log in to your SC Mobile app or online banking by selecting Credit Card Activation & PIN Set.
How to increase your credit card limit?
Download the Credit Card Limit Increase application form from here, and send the filled out form to [email protected] from your registered email address with us.
To process your application, your credit card must have been active for at least six months and maintained in good order.
Documents required:
- Bank statements for the last 3 months
- Emirates ID
- Passport
- Visa
Please allow 2 working days for processing.
How credit card interest is calculated?
1. Your credit card caters to the following concepts:
a) Statement date: the date when your statement gets generated every month
b) Payment due date: the date when you need to make a minimum payment (5% of the total amount due), you can choose to make payments higher than that
c) Credit free period: please note that in the UAE the banks offer a maximum of 45 to 55 days of interest-free period, however that will depend on your purchase date and the statement generation date.
2. Interest will not be charged to your account if the full payment is made by the due date. However, interest will be charged on a daily balance methodology if the balance is rolled over to the next month. The process for calculation is as below
a) The monthly interest rate is applied on the average daily balance (average of the daily outstanding balance over the month).
b) Please note that any payment that is short of the full payment will also incur charges.
c) Please note refunds are not considered as payments, we will request you to make the payment for that transaction and utilise the refunded amount at a later stage.