Lifestyle
Merchant
Careem Dine Out
Careem Dine Out Offer
Valid until 30 Oct 2026
Kredit rating: 3.8/5 · Very good
- Joining Fee
- AED 735
- Annual Fee
- AED 735
- Minimum Salary
- AED 15,000
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 18,392 potential value / year · incl. perks · incl. welcome bonus
Rewards
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
My Cards
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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.
September 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.
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
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
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
Offers
View offer
Lifestyle
Merchant
Emirates Holidays
Emirates Holidays Offer
Valid until 16 Dec 2026
Lifestyle
Merchant
RAK Ceramics
RAK Ceramics Offer
Valid until 27 Feb 2027
Lifestyle
Merchant
ZAPS
Travel Globally. Ride Locally.
Valid until 25 Sep 2027
Additional Benefits
Golf
Unlimited rounds at 6 UAE clubs with AED 10,000 monthly spend.
Unlimited complimentary 18-hole rounds at Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City Golf Club, Abu Dhabi Golf Club and Sharjah Golf & Shooting Club. Requires AED 10,000 min. monthly spend; advance booking via EI golf portal.
See full breakdownAirport 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 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 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 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
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
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
Frequently Asked Questions
Get answers to common questions about Emirates Islamic Flex Elite Credit Card credit card
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