Emirates Islamic – Flex Card
Min. Salary 5,000 AED
Rate 3.25%
Annual Fee 0 AED
Cashback No
Balance transfer Yes
FX Rate 2.34%


  • Welcome bonus of 10,000 EI SmartMiles
  • Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide
  • Convenient shopping anytime, anywhere with “Instant Purchase” redemption feature
  • Miles exchange with frequent flyer programmes Etihad Guest and Jet Privilege
  • Online shopping marketplace


  • Air miles
  • Dining Privileges
  • Golf Privelages


  • This is an Islamic card.
  • There is no annual fee on this Card.
  • There is a repayment period of 55 days and the minimum payment of each month is 5% of the outstanding amount.
  • No cashback is rewarded for this card
  • Balance transfer facility is available at 0% for 6 months with 2% processing fee. There is a 5% minimum payment required every month.
  • The foreign currency rate applicable on overseas transactions is 2.34%. This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard International or Visa International and is applicable to transactions performed outside UAE.
  • You require a minimum salary of 5000 AED per month to be eligible for this card.
  • For every AED 1 spent locally earn 1.25 EI SmartMiles. For every AED 1 spent internationally earn 2.25 EI SmartMiles. Redeem at over 300 airlines and 180,000 hotels, car rentals. EI SmartMiles can be exchanged for frequent flyer programmes such as Etihad Guest and JetPrivilege. You can also use your EI SmartMiles to shop with the ‘Instant Purchase’ feature.
  • Earn EI SmartMiles on all your domestic and international spends.