PayperWIZ

Standard Chartered X Credit Card cashback rate, cap and annual fee

Standard Chartered X Credit Card pays 10% at online spending in dirhams, months of AED 15,000+ — on the first AED 4,000 you spend on it each month, which is where the AED 400 cap stops it. Nothing at all below AED 2,500 of spending a month — AED 30,000 across a year. The card costs AED 525 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Standard Chartered · United Arab Emirates · catalogue v121

Read from Standard Chartered's own published terms on 29 Oct 2026.

Standard Chartered has stopped issuing this card. Existing holders keep it — everything below still describes what it pays them — but it cannot be applied for.

AED 525Annual fee
AED 2,500Minimum monthly spend
AED 1,000Cap across the whole card
10%Best rate

What it pays, by category

SpendingRateMonthly cap
online spending in dirhams, months of AED 15,000+online and delivery10.00%AED 400reached at AED 4,000 of spend10% on online purchases and bill payments in dirhams, in a month whose total spending is AED 15,000 or more. AED 400 of cashback a month on this kind
non-dirham spending, months of AED 15,000+travel10.00%AED 400reached at AED 4,000 of spend10% on anything bought in a foreign currency, online or abroad, in a month whose total spending is AED 15,000 or more. AED 400 of cashback a month on
mobile wallet at the till in dirhams, months of AED 15,000+everything else10.00%AED 200reached at AED 2,000 of spend10% on Apple Pay, Samsung Pay and Google Pay at the till, in dirhams, in a month whose total spending is AED 15,000 or more. AED 200 of cashback a mon
online spending in dirhams, months of AED 7,500+online and delivery5.00%AED 200reached at AED 4,000 of spend5% on online purchases and bill payments in dirhams, in a month whose total spending is AED 7,500 to 14,999. AED 200 of cashback a month on this kind
non-dirham spending, months of AED 7,500+travel5.00%AED 200reached at AED 4,000 of spend5% on anything bought in a foreign currency, online or abroad, in a month whose total spending is AED 7,500 to 14,999. AED 200 of cashback a month on
mobile wallet at the till in dirhams, months of AED 7,500+everything else5.00%AED 200reached at AED 4,000 of spend5% on Apple Pay, Samsung Pay and Google Pay at the till, in dirhams, in a month whose total spending is AED 7,500 to 14,999. AED 200 of cashback a mon
online spending in dirhamsonline and delivery3.00%AED 100reached at AED 3,300 of spend3% on online purchases and bill payments in dirhams, in a month whose total spending is AED 2,500 to 7,499. AED 100 of cashback a month on this kind o
non-dirham spendingtravel3.00%AED 100reached at AED 3,300 of spend3% on anything bought in a foreign currency, online or abroad, in a month whose total spending is AED 2,500 to 7,499. AED 100 of cashback a month on t
mobile wallet at the till in dirhamseverything else3.00%AED 100reached at AED 3,300 of spend3% on Apple Pay, Samsung Pay and Google Pay at the till, in dirhams, in a month whose total spending is AED 2,500 to 7,499. AED 100 of cashback a mont
everything elseNone—Nothing on card spending in dirhams that is not online or through a mobile wallet: a physical card at the till earns no cashback at all.
Closed to new applicants: Standard Chartered's X Credit Card page says "This card is not available for new clients", and its terms still call it the Platinum X. The old Platinum X page is still online, describes the same programme with Mastercard lounge benefits, and is no longer linked from the bank's card list; the X Card page names Visa, which is kept. Cashback is paid only on three kinds of spending: online in dirhams (including bill payments), in foreign currency, and Apple Pay, Samsung Pay or Google Pay at the till. Nothing at all in a month under AED 2,500, then 3%, 5% from AED 7,500 and 10% from AED 15,000 of total spending, with ceilings of AED 100/200/400 on online and foreign spending and AED 100/200/200 on wallets: AED 1,000 a month at most. A plastic card at a shop in dirhams earns nothing. Cashback is redeemed by phone, minimum AED 100, and expires after 12 months. AED 525 a year including VAT, first year free. Source: sc.com/ae X Credit Card page, Platinum X page and the X Credit Card Terms and Conditions, read 29 Oct 2026.

Questions people ask

What cashback does the Standard Chartered X Credit Card pay?

10% at online spending in dirhams, months of AED 15,000+, and 8 other rates.

Is there a cap on the Standard Chartered X Credit Card?

Yes — AED 1,000 a month across the whole card, however you split your spending.

What is the annual fee on the Standard Chartered X Credit Card?

AED 525 a year.

Is there a minimum spend on the Standard Chartered X Credit Card?

Yes — AED 2,500 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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