Emirates Islamic Flex Credit Card

No. The joining fee and annual fee are both listed as AED 0 in the card's key highlights and fee schedule. Emirates Islamic positions it as an entry-level EI SmartMiles card that carries no annual fee at all.

You need a minimum monthly salary of AED 5,000 and to be at least 21 years old, per the card's eligibility section. No minimum credit limit is specified in the published terms for this card.

New cardholders receive 10,000 EI SmartMiles as a welcome bonus on card approval. Emirates Islamic has not published any minimum spend condition for this bonus, so it applies simply from getting approved for the card.

You earn 2.25 EI SmartMiles per AED 1 spent internationally, and 1.25 EI SmartMiles per AED 1 spent domestically within the UAE. The domestic rate works out to a little over half the international rate.

You get up to 2 Buy-One-Get-One movie tickets per month at Reel Cinemas, which requires AED 3,000 minimum monthly card spend, plus Multi-Trip Travel Takaful covering trips up to 90 days with 2 complimentary uses per year, which requires AED 5,000 minimum monthly spend. You can also convert eligible purchases into 0% instalment plans over 3, 6, 9, or 12 months.

The Monthly Profit Rate is 3.69% per month, equivalent to 44.28% per annum, charged on outstanding balances. Non-AED international transactions carry a 2.34% fee (the "All other Credit Cards" tier), while AED transactions processed abroad carry a 1.99% Foreign Currency Transaction Fee. Cash advances cost 3.15% of the amount or AED 103.95, whichever is higher.