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.
Free
Up to 2.25 pts/AED
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You travel internationally often and want a no-fee Sharia-compliant card with solid points.
Not ideal if
You spend mostly on dining, utilities, or education with minimal international transactions.
Watch out for
The 3.49% FX markup can reduce the value of international spend rewards.
Calculate This Card’s Value
Earning Rates
2.25 pts/AED
1.25 pts/AED
1 pts/AED
0.31 pts/AED
0.12 pts/AED
0.12 pts/AED
Perks
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 caps.
Welcome bonus of 10,000 EI SmartMiles with no spend requirement.
Sharia-compliant structure for those seeking Islamic banking products.
Watch out for
Dining earns only 0.31 points per AED, weak for food enthusiasts.
Utilities and education earn just 0.12 points per AED.
3.49% FX markup reduces international spend value significantly.
Fees & Conditions
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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 and international transactions.
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.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.12 points per AED. This is a lower rate compared to international and general spending categories.
What is the welcome bonus and are there any conditions?
You receive 10,000 EI SmartMiles as a welcome bonus with no minimum spend requirement, giving you immediate points to redeem.
Can I use this card abroad without extra charges?
You can use the card internationally, but a 3.49% foreign exchange markup applies. Factor this cost into the value of the 2.25 points per AED you earn on international spend.