Emirates Islamic
Flex Elite Credit Card
The Flex Elite Credit Card is a rewards credit card from Emirates Islamic. It has an annual fee of AED 735, and needs a minimum salary of AED 15,000 a month.
Annual fee
AED 735
Joining fee
Free
Min. salary
AED 15,000/mo
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn up to 3.75 EI SmartMiles per AED 1 on international spend, 2.5 on domestic
- 2 complimentary lounge visits yearly (1,200+ lounges) plus 1 guest included
- Unlimited golf at 5 UAE courses and up to 3 BOGO Reel Cinema tickets monthly (spend conditions apply)
- Transfer SmartMiles to Skywards, Etihad, Marriott, Qatar Avios, Air Arabia and more
Earn rates
| Category | Rate |
|---|---|
| International spend | 3.75% |
| Travel | 2.5% |
| Retail | 2.5% |
| Dining & food | 2.5% |
| Transport | 2.5% |
| Online shopping | 2.5% |
| Supermarket | 0.5% |
| Fuel | 0.5% |
| Utilities | 0.5% |
| Education | 0.5% |
| Real estate | 0.5% |
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 0.56% back, not the international rate shown above.
Current welcome offer
Earn up to 175,000 EI SmartMiles worth AED 1,750
- 75,000 SmartMiles (worth AED 750) on payment of the annual membership fee
- 100,000 SmartMiles (worth AED 1,000) on AED 20,000 of spend within 60 days of card issuance
Benefits & perks
- •Airport lounge access at 1,200+ lounges via Visa Airport Companion: 2 complimentary visits/year for you and 1 guest
- •Complimentary valet parking: 2 times/month at selected UAE locations with AED 7,500 monthly spend
- •Unlimited complimentary golf rounds per month (Arabian Ranches, Jebel Ali, Abu Dhabi Golf Club and more) with AED 10,000 monthly spend
- •2 complimentary Marhaba Silver meet-and-greet services per year in Dubai with AED 5,000 monthly spend
- •Multi-trip travel takaful (accident and inconvenience cover) for trips up to 90 days
- •Buy 1 Get 1 free Reel Cinemas movie tickets: up to 3 per month with AED 5,000 monthly spend
- •20% off movie tickets and food and drinks at Roxy Cinemas (until 30 April 2027)
- •Complimentary Sharjah Ladies Club access for women cardholders with AED 5,000 monthly spend
- •Extended warranty: up to 1 extra year on purchases
- •SmartMiles transfer to airline and hotel partners (Skywards, Etihad, Marriott and more)
- •Instant SmartMiles redemption
- •0% Easy Payment Plan over 3, 6, 9 or 12 months at partner outlets (Carrefour, Sharaf DG and more)
- •24/7 global concierge service
About this card
- •EI SmartMiles earned on this card are valued at AED 0.01 per SmartMile, based on Emirates Islamic's own published worked examples
Every card is checked against official bank sources. Last updated September 2026.
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Emirates Islamic Emarati Credit Card
- Earn 3.75 EI SmartMiles per AED 1 abroad, 2.5 on domestic spend (excludes supermarkets, fuel, utilities and similar)
- 1 complimentary airport lounge visit a year (1,200+ lounges via Visa Airport Companion); guests charged USD 32
Updated September 2026