Lifestyle
Merchant
Amazon Card Spend
Amazon Card Spend Offer
Valid until 14 Aug 2026
Emirates Islamic Flex Credit Card
Entry-level EI SmartMiles card earning up to 2.25 miles per AED 1 on international spend, with no annual fee.
≈ AED 627 value / year · incl. perks
Welcome offer
10,000 EI SmartMiles Welcome Bonus
10,000 EI SmartMiles on card approval
Earn 10,000 EI SmartMiles as a welcome bonus. Emirates Islamic has not published a minimum spend condition for this bonus.
See full breakdownRewards
2.25EI SmartMiles
per AED 1 on international spends.
Earn 2.25 EI SmartMiles per AED 1 spent internationally.
See full breakdown1.25EI SmartMiles
per AED 1 on domestic spends.
Earn 1.25 EI SmartMiles per AED 1 spent locally in the UAE.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Offers
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Upto 30% off on Styli - Fashion & Lifestyle Platform
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Careem Plus
Careem Plus Offer
Valid until 30 Aug 2026
Additional Benefits
Reel Cinemas Buy 1 Get 1
2 Buy-One-Get-One movie tickets per month
Up to 2 complimentary Buy-One-Get-One movie tickets per month at Reel Cinemas. Requires a minimum of AED 3,000 monthly card spend.
See full breakdownMulti-Trip Travel Takaful
Complimentary travel cover, 2 uses per year
Automatic cover for medical emergencies and travel inconveniences on trips up to 90 days, with 2 complimentary services annually. Requires a minimum of AED 5,000 monthly card spend.
See full breakdownEasy Payment Plans
Convert purchases into 0% instalments over 3, 6, 9 or 12 months
Convert eligible purchases into 0% instalment plans over 3, 6, 9, or 12 months.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
3.69%
Monthly Profit Rate
3.69% per month (44.28% per annum)
Minimum Monthly Payment5%*
*5% of outstanding balance and all fees and charges
Commitment to DonateAED 131.25*
*Charged on delayed or missed payments; donated to a bank-approved charity per Shariah requirements.
Over Limit FeeAED 261.45*
*Charged per month while over limit
Cash Advance Fee3.15%*
*3.15% of transaction amount or AED 103.95, whichever is higher
Supplementary CardFree*
*Up to 4 complimentary supplementary cards
Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)2.34%*
*2.34% of transaction amount ("All other Credit Cards" tier)
Credit Shield1.04%*
*1.04% of outstanding balance per month
Foreign Currency Transaction Fee (AED abroad)1.99%*
*1.99% on AED transactions processed abroad
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