RewardsIslamic
Emirates Islamic
Flex Credit Card
The Flex Credit Card is a rewards credit card from Emirates Islamic. It has no annual fee.
Annual fee
Free
Joining fee
Free
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn up to 2.25 SmartMiles per AED 1 abroad, 1.25 on local spend
- Redeem SmartMiles instantly against any purchase (100 = AED 1)
- Transfer miles to Etihad, Skywards, Qatar Avios, Air Arabia and more
- Access to 900+ Luxury Collection hotels worldwide
Earn rates
| Category | Rate |
|---|---|
| International spend | 2.25% |
| Travel | 1.25% |
| Retail | 1.25% |
| Supermarket | 1.25% |
| Dining & food | 1.25% |
| Fuel | 1.25% |
| Utilities | 1.25% |
| Education | 1.25% |
| Transport | 1.25% |
| Online shopping | 1.25% |
| Real estate | 1.25% |
Current welcome offer
Earn 10,000 EI SmartMiles worth AED 100 as a welcome bonus
Benefits & perks
- •Luxury Hotel Collection access: 900+ hotels worldwide
- •Complimentary entertainment offers
- •Extended warranty cover
- •Balance transfer facility
- •Easy payment plans (instalments)
- •SmartMiles transferable to airline and hotel partners (Air Arabia, Etihad, Marriott and more)
Every card is checked against official bank sources. Last updated June 2026.
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