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 an AED 1,000 noon.com gift voucher (new customers only)
- Spend AED 10,000 on retail purchases within 60 days of card issuance
- Apply through Emirates Islamic's own noon offer page by 31 December 2026, card issued by 31 January 2027
- Not open to existing or recent (last 6 months) Emirates Islamic credit card holders
- Annual membership fee waived for the first year when you spend AED 7,500 on retail purchases within 90 days of card approval
- Note: the noon voucher and the fee-waiver offer cannot be combined
Expected offer expiry: December 2026
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 October 2026.
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Questions people ask
What does the Emirates Islamic Flex Elite Credit Card earn?
An Islamic EI SmartMiles card with an AED 735 annual fee that can be waived on spending, earning up to 3.75 SmartMiles per AED 1 on international spending outside the European Economic Area and the UK and up to 2.5 on most domestic spending (up to about 3.75% and 2.5% at Perkly's valuation of AED 0.01 a SmartMile), 0.5 on supermarkets, fuel and bills, and 2 free lounge visits a calendar year.
What does the Emirates Islamic Flex Elite Credit Card cost?
Annual fee AED 735 including VAT (AED 700 + VAT). No joining fee. The fee is waived in the first year with AED 7,500 of retail spending within 90 days of card approval, and from the second year with AED 50,000 of spending in the year; otherwise AED 735 is charged.
What does spending abroad cost on the Emirates Islamic Flex Elite Credit Card?
Spending abroad costs about 3.69% all in: Emirates Islamic's 2.54% (VAT included) on foreign currency transactions plus about 1.15% for Visa, which Emirates Islamic says is charged in addition. A transaction abroad billed in AED carries 1.99% instead of 2.54%. Spending in the European Economic Area and the UK earns 0.56 SmartMiles per AED 1, not 3.75.
What should I watch out for with the Emirates Islamic Flex Elite Credit Card?
Supermarkets, fuel, bills, education and fast food earn only 0.50 SmartMiles per AED 1. The golf needs AED 10,000 of spending in the month, and valet AED 7,500. The year 2 fee waiver needs AED 50,000 of spending in the year.
More from Emirates Islamic
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 November 2026