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.
Annual fee
AED 735
Joining fee
Free
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn up to 3.75 SmartMiles per AED 1 on international spend, 2.5 on local
- Unlimited lounge access (1,200+ lounges) for cardholder plus one guest
- Transfer SmartMiles to Skywards, Etihad, Marriott, Avios and more
- 2 complimentary valet services per month plus complimentary golf rounds
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% |
Current welcome offer
Earn up to 175,000 welcome EI SmartMiles (worth AED 1,750)
- 75,000 miles (worth AED 750) when you pay the annual membership fee
- 100,000 miles (worth AED 1,000) for spending AED 20,000 within 60 days of card issuance
- New-to-Bank customers only, card sourced 01 May to 31 Aug 2026 and disbursed by 15 Sep 2026
Expected offer expiry: August 2026
Benefits & perks
- •Unlimited complimentary access to 1,200+ airport lounges (cardholder plus 1 guest)
- •Complimentary valet parking: 2 visits/month
- •Complimentary golf rounds
- •Luxury Hotel Collection access
- •Instant SmartMiles redemption
- •SmartMiles transfer to partners (Skywards, Etihad, Marriott and more)
- •Extended warranty cover
Every card is checked against official bank sources. Last updated July 2026.
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