Emirates Islamic lists 75,000 EI SmartMiles when you spend AED 5,000 within the first 60 days. At the instant purchase redemption rate of AED 0.01 per mile, this is worth AED 750.
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, airport lounge access, valet parking, and free movie tickets.
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 15,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Flex Elite Credit Card expects AED 15,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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
75,000 EI SmartMiles
Worth AED 750 after AED 5,000 spend in 60 days.
Earn 75,000 EI SmartMiles when you spend AED 5,000 within the first 60 days of card issuance. Redeemable at AED 0.01 per mile for instant purchases, flights, and hotels.
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 (equivalent to ~3.75% back at instant purchase redemption).
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
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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 breakdownEligibility
21
Minimum Age
15,000AED
Minimum Income
Fees
735AED
Annual Membership Fee
Waived when annual spend reaches AED 180,000.
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
Similar cards
EMIRATES NBD
ENBD Skywards Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 3,148.95
Annual Fee: AED 1,575
Bonus: Up to 100,000 Skywards Miles
Complimentary Emirates Skywards Silver membership
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,575
10% Cashback on airline tickets
10% Cashback on hotel stays
1.5% Cashback on all domestic spends
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 2,500
Bonus: Up to 200,000 Etihad Guest Miles
7.5 Etihad Miles per AED 10 spent
Fast track to Etihad Gold membership.
Other credit cards from this bank
EMIRATES ISLAMIC
Emirates Islamic Barça Cashback Credit Card
Salary: AED 5,000+
Free for Life — no annual fee
4% on supermarket, dining, fuel & sports
2% on international spends
Exclusive FC Barcelona experiences
EMIRATES ISLAMIC
Emirates Islamic Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 350
5% Cashback on telecom
5% Cashback on electronics
Up to 1% cashback on all local and international spends
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
Salary: AED 12,000+
Annual Fee: AED 299
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
EMIRATES ISLAMIC
Emirates Islamic RTA Credit Card
Salary: AED 5,000+
No Annual Fee
10% Cashback on RTA Transport
10% Cashback on Fuel
2.25% Cashback on Other Spends
EMIRATES ISLAMIC
Emirates Islamic Amazon World Credit Card
Salary: AED 15,000+
No Annual Fee
Welcome Bonus: AED 750 on AED 10,000 spend in 60 days
Up to 6% back in Amazon Rewards on your spends with no cap
Up to 2 free items at Costa at Dubai airports
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Platinum Credit Card
Salary: AED 5,000+
Annual Fee: AED 199
Welcome Bonus: 5,000 Etihad Guest Miles
2 Etihad Guest Miles per USD spent
2 Complimentary Inflight WiFi vouchers per year
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Ameera Credit Card
Salary: AED 12,000+
Annual Fee: AED 699
Welcome Bonus: 20,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
Salary: AED 12,000+
Annual Fee: AED 899
Welcome Bonus: 30,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Premium Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,500
Welcome Bonus: Up to 55,000 Etihad Guest Miles
Up to 3.5 Etihad Guest Miles per USD spent
Fast-Track to Etihad Guest Gold Status
EMIRATES ISLAMIC
Emirates Islamic Skywards Signature Credit Card
Salary: AED 12,000+
Annual Fee: AED 700
Up to 1.5 Skywards Miles per USD spent
Unlimited complimentary access to over 1000 airport lounges
1 complimentary valet parking monthly
EMIRATES ISLAMIC
Emirates Islamic Skywards Infinite Credit Card
Salary: AED 20,000+
No Annual Fee for the first year
Up to 2 Skywards Miles per USD spent
Unlimited complimentary access to over 1000+ airport lounges
Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
Salary: AED 35,000+
Annual Fee: AED 5,500
Up to 3.5 Skywards Miles per USD spend
Fast track to Emirates Skywards Gold Tier
4 Complimentary Airport Transfers Annually
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
EMIRATES ISLAMIC
Emirates Islamic Emarati Credit Card
Salary: AED 12,000+
No Annual Fee
Exclusive for UAE nationals
Welcome Bonus: AED 1,000 as EI SmartMiles
Up to 3.75 EI SmartMiles per AED 1
EMIRATES ISLAMIC
Emirates Islamic Flex Credit Card
Salary: AED 5,000+
No Annual Fee
10,000 EI SmartMiles Welcome Bonus
Up to 2.25 EI SmartMiles per AED 1 spend
Up to 2 Buy 1 Get 1 complimentary movie tickets each month
Related Articles
Related Collections
Collections
Best high end cards
Collections
Best mall shopping cards
Collections
Best Dubai Mall cards
Collections
Best welcome bonus cards
Collections
Best golf cards
Collections
AED 15,000 salary cards
Collections
AED 20,000 salary cards
Collections
AED 25,000 salary cards
Collections
Best Namshi credit cards
Collections
Best Ounass credit cards
Collections
Best Sharaf DG credit cards
Collections
Best Mumzworld credit cards
Collections
Best Desertcart credit cards
Collections
Best 6th Street credit cards
Collections
Best Apple Store credit cards
Collections
Best Jumbo Electronics credit cards
Collections
Best pharmacy credit cards
Collections
Best Aster Pharmacy credit cards
Collections
Best Life Pharmacy credit cards
Collections
Best cosmetics credit cards
Collections
Best Sephora credit cards
Collections
Best fashion credit cards
Collections
Best Zara credit cards