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Emirates Islamic Flex Elite Credit Card
Kredit rating: 3.8/5 · Very good
Joining Fee
AED 735
Annual Fee
AED 735
Minimum Salary
AED 15,000
Islamic

Emirates Islamic Flex Elite Credit Card

A premium Sharia-compliant Visa Infinite card earning up to 3.75 EI SmartMiles per AED on international spend, with unlimited golf.

Updated Aug 2026

≈ AED 18,458 potential value / year · incl. perks · incl. welcome bonus
WebsiteVisit Emirates Islamic Flex Elite Credit Card credit card website

At a glance

Fees and eligibility

Joining FeeAED 735
Annual FeeAED 735
Minimum SalaryAED 15,000
Monthly Profit Rate
3.69%
International Transaction Fee (non-AED)
2.54%
See all fees

Top benefits

Golf
Unlimited
Airport loungeUnlimited
Valet parking
2/month
Cinema
3/month
Concierge1/month
See all benefits

Rewards

CategoryEarnRate
International
3.75 miles per AED
3.75%

3.75 miles per AED

Grocery, Fast Food +8 more
0.5 miles per AED
0.5%

0.5 miles per AED

All other spend
2.5 miles per AED
2.5%

2.5 miles per AED

CategoryEarnRate
International
3.75 miles per AED
3.75%

3.75 miles per AED

Grocery, Fast Food +8 more
0.5 miles per AED
0.5%

0.5 miles per AED

All other spend
2.5 miles per AED
2.5%

2.5 miles per AED

See all rewards

Rewards

3.75EI SmartMiles

per AED 1 on international spend.

Earn up to 3.75 SmartMiles per AED 1 internationally; EEA/UK merchants earn 0.56 and selected categories earn 0.5.

See full breakdown

2.5EI SmartMiles

per AED 1 on all other domestic spend.

Earn up to 2.5 SmartMiles per AED 1 on eligible domestic retail; selected categories earn 0.5.

See full breakdown

0.5EI SmartMiles

per AED 1 on selected merchant categories.

0.5 SmartMile per AED 1 on supermarkets, fast food, fuel, government, utilities, education, auto, insurance, property, telecom and charity.

See full breakdown

Rewards Calculator

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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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.

November 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.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 8
Lifestyle

Merchant

Brands For Less

Brands For Less Offer

Valid until 1 Nov 2026
View offer
Lifestyle

Merchant

Air Arabia

Air Arabia Offer

Valid until 14 Nov 2026
View offer
Lifestyle

Merchant

Careem DineOut

Careem DineOut Offer

Valid until 28 Nov 2026
View offer
Lifestyle

Merchant

Carrefour

Carrefour Offer

Valid until 28 Nov 2026
View offer

Additional Benefits

Golf

Unlimited rounds at 5 UAE clubs with AED 10,000 monthly spend.

Unlimited complimentary rounds at Arabian Ranches, Jebel Ali Golf Course, Abu Dhabi Golf Club, Sharjah Golf & Shooting Club and The Track, Meydan. Requires AED 10,000 min. monthly spend; booking via the golf programme portal.

See full breakdown

Airport Lounge Access

Unlimited lounge access with 1 guest after a USD 1 FX spend.

Unlimited access to 1,200+ lounges for you and 1 guest via Visa Airport Companion. The first 2 visits/year are unconditional; later visits need a USD 1+ FX transaction at least 15 days prior, otherwise USD 32/person applies.

See full breakdown

Valet Parking

2 complimentary valet sessions per month.

2 free valet sessions per month at partner UAE venues after AED 7,500 retail spend each calendar month. Unused sessions do not carry over.

See full breakdown

Free Movie Tickets

Up to 3 tickets per month at Reel Cinemas.

Get up to 3 complimentary Buy-1-Get-1 movie tickets per month at Reel Cinemas. Requires AED 5,000 minimum monthly card spend. Booking conditions and seat availability may apply.

See full breakdown

Concierge 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 breakdown

Multi-Trip Travel Takaful

Automatic travel accident and inconvenience cover.

Automatic travel accident and travel inconvenience takaful cover on trips lasting up to 90 days.

See full breakdown

Meet & Greet Silver Service

2 Marhaba Meet & Greet services per year.

Up to 2 Marhaba Meet & Greet airport services per year. Requires AED 5,000 minimum monthly card spend; a service fee applies if the spend requirement is not met or the usage cap is exceeded.

See full breakdown

Extended Warranty

Doubles the manufacturer's warranty for up to 1 year.

Doubles the manufacturer's warranty for up to one year on eligible purchases made with the card, applied automatically with no registration needed.

See full breakdown

Easy Payment Plans

0% instalments over 3, 6, 9 or 12 months.

Convert eligible purchases into 0% profit instalment plans over 3, 6, 9 or 12 months at partner outlets including Carrefour and Sharaf DG.

See full breakdown

20% Off at Roxy Cinemas

20% off tickets and food & beverages, through 30 April 2027.

20% off movie tickets and food and beverages at Roxy Cinemas branches in the UAE, through 30 April 2027.

See full breakdown

Fees

735AED

Annual Membership Fee

Standard annual membership fee.

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

Important Stuff

Key Facts Statement

Opens in a new tab

Schedule of Charges

Opens in a new tab

Golf Programme Terms & Conditions

Opens in a new tab

Valet Parking Terms & Conditions

Opens in a new tab

Kredit rating

Kredit verdict

3.8/5 · Very good

Get it if

  • +You spend meaningfully outside the UAE and want a real 3.75% SmartMiles return on it
  • +You can comfortably clear AED 10,000/month in spend to unlock unlimited golf
  • +You value a Sharia-compliant Visa Infinite card with a genuine welcome bonus

Skip it if

  • –You don't want to track activation and monthly-spend criteria before relying on travel and lifestyle perks
  • –Your monthly spend won't reliably clear AED 5,000-10,000 for the cinema/golf perks
  • –Most of your spend is domestic — the 2.5 SmartMiles domestic rate is solid but not exceptional

Reviewed by Kredit Editorial Team · Data verified August 7, 2026

Read the full reviewSee the editorial methodology

Frequently Asked Questions

Get answers to common questions about Emirates Islamic Flex Elite Credit Card credit card

Emirates Islamic lists up to 175,000 EI SmartMiles: 75,000 after payment of the annual membership fee and 100,000 after AED 20,000 spend within 60 days of card issuance.

The card earns 3.75 EI SmartMiles per AED 1 on international (non-UAE) spend, equivalent to approximately 3.75% back at the instant purchase redemption rate.

The annual membership fee is AED 735. Emirates Islamic no longer lists a fee waiver on the Flex Elite: the acquisition offer that waived it from the second year at AED 100,000 annual retail spend closed to new cards on 31 August 2026.

Emirates Islamic lists unlimited complimentary rounds at partner UAE golf clubs for Flex Elite cardholders.

The listed minimum monthly salary is AED 15,000. Final approval is subject to Emirates Islamic's credit and policy assessment.

Yes. Two valet sessions per month are available after AED 7,500 retail spend in the calendar month. Unused sessions do not carry over.

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