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: Yes Islamic Finance: No 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.

You can redeem your SmartMiles

With the instant purchase feature against any purchase, across the globe
To exchange for Skywards Miles, Etihad Miles, U By Emaar points or InterMiles
At over 300 airlines and more than 180,000 hotels worldwide
For latest electronics or for gift vouchers at our online marketplace


    Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.
    You can also opt for a first year free card
    20% Cashback up to AED 450 on purchases using Apple Pay, Google Pay, and Samsung Pay.
    Get up to AED 150 per month for 3 consecutive months


      Unlimited complimentary access to over 1000 airport lounges with a guest.
      Unlimited complimentary golf at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. 
      Complimentary Valet Parking Service, two times in a calendar month. 
      Automatic cover for travel accident and travel inconvenience insurance on all trips of up to 90 days duration
      4 discounted (50% discount) airport transfers per annum (up to AED 50 per ride) with Careem.
      0% Easy Payment Plan at select merchants
      Additional Information

      The American Express - The Platinum Card
      Minimum Salary
      AED 30,700
      The American Express - Gold Credit Card
      Minimum Salary
      AED 15,000
      Najm - ONE Cashback Credit Card
      Minimum Salary
      AED 8,000
      Najm - Platinum Plus Cashback Credit Card
      Minimum Salary
      AED 7,000