Emirates Islamic Flex Credit Card Sharia-compliant

A Sharia-compliant credit card by Emirates Islamic earning up to 2.25 points per AED on international spend and 1.25 points per AED on all other purchases.

Annual feeVAT included
Free

Top earnrewards rate
Up to 2.25 pts/AED

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
3.49%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You make regular international purchases and want a no-fee Sharia-compliant points card.

Not ideal if
You spend mainly on dining, utilities, or education with low earn rates.

Watch out for
The 3.49% FX markup can reduce value on international transactions despite higher points.

If you spend frequently on international purchases and want a Sharia-compliant card with no annual fee, the Emirates Islamic Flex Islamic Credit Card…

Calculate This Card’s Value

Earning Rates

International
2.25 pts/AED

All Other Spends
1.25 pts/AED

Groceries
1 pts/AED

Dining
0.31 pts/AED

Utilities
0.12 pts/AED

Education
0.12 pts/AED

Perks

Cinema Buy-1-Get-1 Ticket

Key Strengths and Weaknesses

Strengths

No annual fee makes it cost-effective for everyday use.

Earns 2.25 points per AED on international spend with no cap.

10,000 EI SmartMiles welcome bonus adds immediate value.

Sharia-compliant structure aligns with Islamic finance principles.

Watch out for

Dining earns only 0.31 points per AED, below the baseline rate.

Utilities and education earn just 0.12 points per AED.

3.49% FX markup applies to foreign currency transactions.

Fees & Conditions

Annual FeeFree

Fee WaiverN/A — always free

FX Markup3.49%

Minimum SalaryAED 5,000/mo

Welcome Bonus10,000 bonus points.

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Frequently Asked Questions

Is there an annual fee for the Emirates Islamic Flex Islamic Credit Card?

No, this card has no annual fee, making it a cost-effective option for everyday spending.

How many points do I earn on international purchases?

You earn 2.25 points per AED on international spend, the highest rate on this card. All other purchases earn 1.25 points per AED.

What is the welcome bonus for this card?

You receive 10,000 EI SmartMiles as a welcome bonus with no minimum spend requirement.

Does this card earn points on school or university fees?

Yes, education spend earns 0.12 points per AED. However, this is below the 1.25 points per AED baseline rate for all other purchases.

What is the minimum salary required to apply?

You need a minimum monthly salary of AED 5,000 to be eligible for this card.