Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Flex Elite Credit Card Emirates Islamic - Flex Elite Credit Card Minimum Salary: AED 15,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 700 Rate: 3.25%
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EI SmartMiles

Up to 3.75 EI SmartMiles per AED 1 spend.

Airport Lounge Access

Complimentary unlimited access at 1000 lounges worldwide for Cardholder and 1 guest.

Valet Parking

2 Free valet parking service per month.

Complimentary Golf

Unlimited rounds of complimentary golf any day of the week.


Welcome Bonus

Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.


Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide, car rentals and much more starting from as low as 4,000 EI SmartMiles.

Instant Purchase

Use the "Instant Purchase" feature to redeem your EI SmartMiles against any purchase, across the globe and at any merchant.

Just follow 3 simple steps.

Step1: Login using EI SmartMiles mobile app ‘or’ through 
Step2: Tap on "Instant Purchase" and make a choice 
Step3: Go ahead & make your transaction using your Flex Card

Within 5 days the EI SmartMiles balance will be deducted from your account and a statement credit will be posted onto your Flex Card.

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest (above the 1 guest allowance), cardholders will be charged US $27 per person per visit

Multi Trip Travel Insurance

Travel with complete freedom and peace of mind. Your Emirates Islamic Flex Elite (Infinite) Visa credit card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get your travel insurance certificate

Get 50% discount on domestic airport transfers

Enjoy 4 discounted (50% discount) airport transfers per annum (up to AED 50 per ride) with Careem. Use promo code UAEVI50 and pay with your Emirates Islamic Visa Infinite Card when you book your airport transfer with Careem. Click here to learn more..

Miles Exchange

Simply exchange your EI SmartMiles for Miles with our partner frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles*
10,000 EI SmartMiles= 2,500 Etihad Miles*
20,000 EI SmartMiles = 4,000 InterMiles*

All you need to do is:

  • Login to and click on the 'Miles exchange'.
  • Select the partner program and enter your membership number.
  • Select the EI SmartMiles quantity you want to exchange and press submit*.

*Your Miles will be transferred within 5 working days

Online Market Place

Indulge in a wide range of shopping options with EI SmartMiles online market place. Avoid the crowds and overcome queues. Get your hands on the latest fashion, state-of-the-art electronics and more, all from the comfort of your home.

Our e-vouchers let you and your loved ones get exactly what you want, anytime and anywhere. Choose your favourite apparels, electronics, toys and more and instantly receive an e-voucher for use at any mall within the UAE.

Unlimited Complimentary Golf Any Day of the Week

Enjoy unlimited complimentary golf at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends or weekdays. To book your game, please click here and submit the completed form.

Free Valet Parking

You are entitled to Complimentary Valet Parking Service, two times in a calendar month. Any additional use of service will cost AED 80 and will be charged to your Primary Credit Card.

Exclusive Visa Infinite Offers

We have partnered with VISA International to bring you exclusive discounts and special credit card offers. Your Flex Elite Card privileges connect you to a world of ever changing luxury. To know more click here.

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