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Amazon Card Spend
Amazon Card Spend Offer
Valid until 14 Aug 2026
Emirates Islamic Flex Elite Credit Card
A premium Sharia-compliant Visa Infinite card earning up to 3.75 EI SmartMiles per AED 1 on international spend, with unlimited complimentary golf.
Updated Jul 2026
≈ AED 1,816 value / year · incl. perks
Welcome offer
Up to 175,000 EI SmartMiles
Worth up to AED 1,750 for eligible new-to-bank customers.
Limited time · valid till 31 Aug 2026Receive 75,000 EI SmartMiles after paying the AED 700 annual membership fee and another 100,000 miles after spending AED 20,000 within 60 days. Offer applies to eligible new-to-bank cards sourced from 1 May to 31 August 2026 and approved by 15 September 2026.
See full breakdownRewards
3.75EI SmartMiles
per AED 1 on international spend.
Earn 3.75 EI SmartMiles for every AED 1 spent outside the UAE.
See full breakdown2.5EI SmartMiles
per AED 1 on all other domestic spend.
Earn 2.5 EI SmartMiles for every AED 1 on eligible domestic retail, dining, travel, and online spend.
See full breakdown1EI SmartMile
per AED 1 on grocery, fuel, government & utilities.
Reduced earn rate applies to grocery, fuel, government, utilities, education, automotive, insurance, real estate, and telecom spend.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
15,000AED
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
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Additional Benefits
Golf
Unlimited rounds at 5 UAE clubs with AED 5,000 monthly spend.
Enjoy unlimited complimentary 18-hole rounds at Arabian Ranches, Jebel Ali Golf Resort, The Track Meydan Golf, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. Requires AED 5,000 minimum monthly card spend. Advance booking via EI golf portal required.
See full breakdownAirport Lounge Access
Unlimited worldwide lounge access via LoungeKey.
Primary and supplementary cardholders enjoy unlimited complimentary access to participating airport lounges worldwide through LoungeKey.
See full breakdownValet Parking
2 complimentary valet sessions per month.
2 free valet sessions per month at partner UAE venues. Requires AED 5,000 minimum monthly card spend (AED 7,500 from March 2026). Sessions cannot be carried over.
See full breakdownFree Movie Tickets
Up to 3 tickets per month at partner cinemas.
Get up to 3 complimentary movie tickets per month at partner cinema chains. Booking conditions and seat availability may apply.
See full breakdownConcierge Service
24/7 Visa Infinite concierge.
Access round-the-clock Visa Infinite Concierge for travel bookings, restaurant reservations, event tickets, and personal assistance worldwide.
See full breakdownFees
735AED
Annual Membership Fee
Current acquisition offer: waived from the second year at AED 100,000 annual retail spend for cards sourced by 31 August 2026.
Free
Supplementary Card
Up to 4 complimentary supplementary cards
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% or AED 103.95, whichever is higher
Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)2.54%*
*2.54% of transaction amount
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
Frequently Asked Questions
Get answers to common questions about Emirates Islamic Flex Elite Credit Card credit card
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