Flex Credit Card Flex Credit Card

Key Benefits

Welcome Bonus

Welcome Bonus

Welcome bonus of 10,000 EI SmartMiles

EI SmartMiles

EI SmartMiles

Up to 2.25 EI SmartMiles per AED 1 spend.

Instant Purchase

Instant Purchase

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

Easy Redemption

Easy Redemption

Redeem your EI SmartMiles at over 300 Airlines and 180,000 hotels worldwide.

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 free flights, hotels and retail transactions instantly anywhere in the world.

Get the App

The EI Rewards app is available on iOS and Android, scan the QR Code below to access.

EI SmartMiles QR Code

Welcome Bonus

Welcome bonus of 10,000 EI SmartMiles

How to earn EI SmartMiles:

International spend* Upto 2.25 EI Smart Miles per AED 1 spend
Domestic Spend* Upto 1.25 EI Smart Miles Per AED 1 spend

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

What can you do with your EI SmartMiles?


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 - Upoints By Emaar, Emirates Skywards, Etihad Guest and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
10,000 EI SmartMiles = 1,000 Emirates Skywards Miles
10,000 EI SmartMiles = 2,500 Etihad Miles
20,000 EI SmartMiles = 4,000 InterMiles

Your Miles will be transferred within 5 working days

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 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.

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.


Extended Warranty

Purchase household appliances on your Emirates Islamic Flex Credit Card and enjoy a complimentary extended warranty period of 12 months beyond the manufacturer / retailer warranty. This cover is available up to a maximum of 24 months from the date of purchase, to a value of up to US$5,000 per incident. There is a per item limit of US$1,500 and a maximum of US$20,000 in any one year. For further information, please call 8000 441 3487.

Luxury Hotel Collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Flex Credit Card. This hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

Privileges on your card:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher

For more details please click here

Xperience with the ENTERTAINER

With Visa, you can get 2-for-1 at your favourite outlets

xperience with the ENTERTAINER is the latest offering from Visa. Unlock 2-for-1 on your favourite dining, beauty and fitness outlets. Download the app from your app store.

Complimentary Reel Cinemas Movie Tickets

Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week. Click here to know about the eligibility criteria.

Enjoy 15% off on Emaar Entertainment Attractions

Enjoy 15% discount on the below Emaar Entertainment Attractions.

  • Dig It - Stay and Dig
  • KidZania Abu Dhabi
  • KidZania Dubai
  • VR Park – Pay & Play
  • Ekart
  • Ice Rink
  • The Dubai Fountain Boardwalk
Click here to know about Emaar Attractions Term & Conditions.

Cash on Call Facility

With your Emirates Islamic Flex Credit Card you can avail Cash on Call facility of up to 80% of your available credit limit. For more details click here

Balance Transfer

Transfer the outstanding balance of your Card from other banks to your Emirates Islamic Flex Credit Card.

Easy Payment Plans

Shop to your heart's content with the 0% Easy Payment Plan. From electronics, telecom, supermarket and jewellery; ask for our profit free Easy Payment Plans of 3, 6, 9 or 12 months when making a purchase at our partner outlets such as Carrefour and Sharaf DG among others. For more details click here

Card Benefits

Explore the other benefits of using your Emirates Islamic Credit Card. Learn more about Supplementary Cards, Cash on Call, balance Transfer, Easy Payment Plans and other card benefits.

Schedule of Charges

Please click here to view schedule of charges.

Important information

Please click here to view Emirates Islamic Credit Cards – Important information.

Mazaya Offers

Mazaya Offers

Get unmatched benefits, discounts and privileges.

Know More »

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 AED 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 Shari'a 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.

Click here to view FAQs related to EI SmartMiles