Emirates Islamic Flex Elite Credit Card Sharia-compliant
A Sharia-compliant credit card by Emirates Islamic earning up to 3.75 points/AED on international spend and 2.5 points/AED on all other purchases.
AED 735.00
Up to 3.75 pts/AED
AED 15,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 15,000+ monthly and spend heavily on international transactions.
Not ideal if
You prefer cashback rewards or spend mostly on domestic purchases.
Watch out for
AED 735 annual fee is not waivable, regardless of your spending.
Calculate This Card’s Value
Earning Rates
3.75 pts/AED
2.5 pts/AED
0.5 pts/AED
0.5 pts/AED
0.5 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.75 points per AED on all international spend with no cap.
Welcome bonus up to 175,000 EI SmartMiles, including 100,000 for AED 30,000 spend.
Sharia-compliant structure with lounge access, valet parking, and golf perks included.
Baseline 2.5 points per AED on all other purchases.
Watch out for
AED 735 annual fee with no waiver option available.
Requires AED 15,000 minimum monthly salary to qualify.
Groceries, education, and utilities earn only 0.5 points per AED.
Fees & Conditions
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Frequently Asked Questions
Is the AED 735 annual fee worth it?
It can be if you spend heavily on international transactions at 3.75 points per AED and can meet the AED 30,000 spend in 60 days to unlock the full 175,000 welcome bonus. Domestic-only spenders will find it harder to justify the cost.
How does the welcome bonus work?
You receive 75,000 EI SmartMiles upfront, plus an additional 100,000 points when you spend AED 30,000 within the first 60 days, for a total of up to 175,000 points.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to be eligible for this card.
Does this card earn rewards on school or university fees?
Yes, education spend earns 0.5 points per AED, the same rate as groceries and utilities.
Can I use this card abroad?
Yes, international spend earns 3.75 points per AED. The card carries a 3.49% foreign exchange markup on transactions in currencies other than AED.