Flex Credit Card

Enjoy the flexibility to reward yourself the way you want

Apply Now

Key Benefits

Welcome Bonus

Get 10,000 EI SmartMiles as a welcome reward.

Instant Purchase

Redeem your EI SmartMiles instantly against any purchase, anywhere in the world — no restrictions or blackout dates.

EI SmartMiles

Earn up to 2.25 EI SmartMiles for every  1 spent and enjoy limitless redemption possibilities.

EI SmartMiles

EI SmartMiles rewards programme has been exclusively designed to offer customers travel, shopping and lifestyle benefits. What's more, you can redeem them without any blackout dates. Enjoy the flexibility to redeem your EI SmartMiles for flights, hotels and retail transactions instantly anywhere in the world.

Welcome Bonus

Welcome bonus of 10,000 EI SmartMiles.

payments

International spend*
Earn Up to 2.25 EI Smart Miles per AED 1 spend

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Domestic Spend*
Up to 1.25 EI Smart Miles per AED 1 spend

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

You can view and choose your redemption options from the EI + Mobile Banking app.

Login to your EI + Mobile Banking app
Navigate to your Flex Card in the Cards Section
Select the EI SmartMiles Balance
Tap ‘Redeem to view’ and choose from the various redemption options

Easy Redemption

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.

Miles Exchange

Simply exchange your EI SmartMiles with our partner loyalty programmes

10,000 EI SmartMiles	→	1,750 AirRewards by Air Arabia
10,000 EI SmartMiles	→	1,500 Etihad Guest Miles
10,000 EI SmartMiles	→	2,500 Marriott Bonvoy Points
10,000 EI SmartMiles	→	1,750 Qatar Airways Privilege Club Avios
10,000 EI SmartMiles	→	1,000 Emirates Skywards Miles
7,500 EI SmartMiles	→	5,000 Smiles
6,500 EI SmartMiles	→	1,000 UPoints By Emaar

Simply exchange your EI SmartMiles with our partner loyalty programmes

All you need to do is select the partner program and enter your membership number on the app.

Instant Purchase

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

All you need to do is tap on "Instant Purchase" and make a choice. Go ahead & make your transaction using your Flex Credit Card.

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

Online Market Place

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

You can also choose from our e-vouchers that let you and your loved ones get exactly what you want, anytime and anywhere.

Terms and Conditions apply.

See how many SmartMiles you can earn monthly

How much do you usually spend per month on?

Government/ Automobiles/ Takaful/ Education spends

 0

 50000

Fuel/ Telecommunication/ Real Estate spends

 0

 50000

Other Domestic spends

 0

 50000

International spend

 0

 50000

Based on your chosen spends with Emirates Islamic Flex Credit Card, you could earn

Miles Per Month

Miles Per Annum

Please note that this is a just estimated calculation based on above amounts

With0, EI SmartMiles you can get one of the following:

Instant purchase at any merchant worth

0
Flight tickets
Emirates Skywards Miles

0
Etihad Guest Miles

0
U By Emaar Points

0
InterMiles

0
Smiles Points

0
Latest electronics on the online marketplace

Please note that this is a just estimated calculation based on above amounts. Some spends made under specific categories like govt services, utility bills, real estate or quick service restaurants may have reduced earn rates. For more details about EI SmartMiles earning rates please click here.

Other Value Benefits!

Enter Your Annual Usage

Enjoy competitive rates and flexible repayment options. See terms and conditions. Rates may vary.

You could additionally save up to

per annum

Lifestyle Rewards & Benefits

Purchase Protection

Protection for Your Purchases

Luxury Hotel Collection

Stay in style at 900+ prestigious hotels worldwide

Entertainment Offers

Enjoy complimentary entertainment offers

Additional Privileges

Extended Warranty

Cash on Call Facility

Balance Transfer

Easy Payment Plans

Frequently Asked Questions

You can withdraw cash from any Emirates Islamic branch or from more than 780,000 ATMs around the world displaying the VISA logo, for a nominal fee.

Card payments can be made through a range of different channels including:

Cheque Payments

Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and Credit Card number on the back of the cheque.
Please Note: Cheques are sent for Clearing and payment is made after the funds are received, which can take 3 - 5 days

Exchange Houses

Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of  35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.

Pay Bills Online

As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599995 for assistance to link your Credit Card with your online banking account.

Online Auto Payment Facility

Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.

Cash At Counter

Make a cash payment for your Emirates Islamic Credit Card at any of our branches during banking hours

Cash Deposit Machines

Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

The Emirates Islamic Rewards Flex Card is fully compliant with the Shariah principles. The card does not charge any interest to customers. As such, the bank charges a fixed profit for extending various features and benefits to customers.

No, Emirates Islamic does not charge any additional profit on accrued profit on any credit product granted to customers.