RewardsIslamic
Emirates Islamic
Flex Credit Card
The Flex Credit Card is a rewards credit card from Emirates Islamic. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn up to 2.25 EI SmartMiles per AED 1 on international spend, 1.25 on domestic
- Redeem SmartMiles instantly as statement credit (100 = AED 1) or transfer to Etihad, Skywards, Qatar Avios and more
- Access to 900+ Luxury Collection hotels worldwide
- Up to 2 Buy 1 Get 1 Reel Cinemas tickets per month (min AED 3,000 monthly spend)
Earn rates
| Category | Rate |
|---|---|
| International spend | 2.25% |
| Travel | 1.25% |
| Retail | 1.25% |
| Dining & food | 1.25% |
| Transport | 1.25% |
| Online shopping | 1.25% |
| Supermarket | 1% |
| Fuel | 0.12% |
| Utilities | 0.12% |
| Education | 0.12% |
| Real estate | 0.12% |
EEA and UK spends earn a reduced SmartMiles rate, separate from the International rate. Published on the card's own EI SmartMiles earning page. In Perkly's terms that is about 0.33% back, not the international rate shown above.
Current welcome offer
Earn 10,000 EI SmartMiles worth AED 100 as a welcome bonus
Benefits & perks
- •Buy 1 Get 1 free Reel Cinemas movie tickets: up to 2 per month (requires AED 3,000 monthly spend)
- •Luxury Hotel Collection access: 900+ hotels worldwide
- •Purchase protection against theft or damage
- •Extended warranty: doubles manufacturer's warranty for up to 12 months
- •0% easy payment plans over 3, 6, 9 or 12 months at retailers (Carrefour, Sharaf DG and more)
- •Balance transfer facility
About this card
- •SmartMiles rewards: each SmartMile is worth AED 0.01 in statement credit
Every card is checked against official bank sources. Last updated September 2026.
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Updated September 2026