Flex Elite Credit Card

Apply for the Flex Elite Credit Card today and start enjoying all the exclusive benefits below!

Get up to AED 1,750 in the form of EI SmartMiles*. Free from second year subject to annual spend of AED 100,000.
Valet Parking: Enjoy complimentary valet parking service.
Golf: Enjoy Complimentary Golf Any Day of the Week.
Lounge Access: Enjoy unlimited complimentary access to airport lounges worldwide.
Sharjah Ladies Club: Enjoy complimentary access to Sharjah Ladies Club in the UAE.

*Offer valid until 31 August 2026.

Earn EI SmartMiles on your spends and redeem them to avail Travel benefits, Online Market Place rewards, Instant Purchase options and more.

Flex Elite Credit Card
International spends**	Up to 3.75 EI SmartMiles per AED 1
Domestic Spends**	Up to 2.50 EI SmartMiles Per AED 1

**For more details about EI SmartMiles earning rates, please click here.

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Terms and Conditions

This Offer is a limited-period offer valid for Flex Elite cards sourced from 01 May 2026 to 31 August 2026 and approved (Disbursed) latest by 15 September 2026.
This Offer is valid for New to Bank customers only. Existing EI Flex Elite Cardholders are not eligible for this Offer. This Offer is not applicable for customers who have closed their EI Credit Card in last 6 months.

Welcome Bonus - Up to AED 1,750:

Rewards Category	Spend in AED	Bonus Miles
1^stBonus EI SmartMiles	Upon payment of AED 700 Annual Membership Fees	75,000 EI SmartMiles (worth AED 750)
2^nd Bonus EI SmartMiles	Spend a minimum of AED 20,000 within 60 days of card issuance	100,000 EI SmartMiles (worth AED 1,000)

Bonus EI SmartMiles will be awarded after 60 days of card open date.
2^nd Bonus of AED 1,000 will be credited as 100,000 EI SmartMiles to the Applicant’s EI SmartMiles Account based on meeting above stated spend requirement within first 60 days of card opening date.
If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the 2^nd Bonus.
Annual Membership Fee (AMF) waiver from second year is subject to annual retail spend of AED 100,000.
Customer needs to activate their Flex Elite Card to receive the Welcome Bonus Offer.
This offer cannot be used in conjunction with any other acquisition offer on the card.
Supplementary Cardholders spends will be clubbed with the linked Primary Card to calculate spends eligible for this Offer.
Transactions that are reversed or cancelled are excluded for cumulative retail spends calculation.
Late Payment Charges (Amount donated to charity), Finance Charges, Joining Fee, Annual Membership Fee, Cash Transactions, Credit Vouchers, Balance Transfer Bookings, Dial-a-Cheque, any internal calculations, etc. are excluded for cumulative retail spends calculation.
The Bank reserves the right to change, amend or cancel any or all the Offer’s terms and conditions at any time.
Click here for the Key Facts Statement regarding the Card.