Lifestyle
Merchant
noon FOOD
Enjoy up to 50% off on noon food during live World Cup matches
Valid until 19 Jul 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.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Flex Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 14View offer
Lifestyle
Merchant
Excellence Driving School
Learn from expert instructors across Dubai and save today.
Valid until 22 Jul 2026
Lifestyle
Merchant
Americana Food
Mouth-watering offers with your Card
Valid until 30 Jul 2026
Lifestyle
Merchant
talabat
Get up to 30% discount across all categories on talabat
Valid until 30 Jul 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 breakdownEligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
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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