Emirates Islamic Flex Elite Credit Card Sharia-compliant
A Sharia-compliant credit card by Emirates Islamic earning up to 3.75 points per AED on international spend and 2.5 points per AED elsewhere.
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 spend mostly within the UAE or prefer cashback over points.
Watch out for
AED 735 annual fee is non-waivable and 3.49% FX markup applies.
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 international spend with no cap.
Welcome bonus up to 175,000 EI SmartMiles including spend-based bonus.
Includes lounge access, valet parking, golf rounds, and cinema offers.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 735 annual fee is non-waivable regardless of spend.
Groceries, education, and utilities earn only 0.5 points per AED.
3.49% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 735 annual fee is non-waivable, so you need to spend heavily on international transactions and use perks like lounge access and valet parking regularly to justify the cost. The welcome bonus of up to 175,000 EI SmartMiles helps offset the first-year fee.
What is the minimum salary to apply?
You must earn at least AED 15,000 per month to qualify for this card.
How does the welcome bonus work?
You receive 75,000 EI SmartMiles upfront, plus an additional 100,000 miles if you spend AED 30,000 within the first 60 days, for a total of up to 175,000 miles.
Can I use this card abroad?
Yes, you earn 3.75 points per AED on international spend. However, a 3.49% foreign exchange markup applies to all foreign currency transactions.
Does this card earn on school or university fees?
Yes, education spend earns 0.5 points per AED with no cap, the same rate as groceries and utilities.