Emirates Islamic Flex Elite Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 2.9/550% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
Explore all Emirates Islamic cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 735
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- Confirm with bank
- Reward programme
- EI SmartMiles
- Salary transfer required
- No published requirement
The first-year fee waiver requires AED 7,500 spending within 90 days. The ongoing waiver requires AED 50,000 annual spending; otherwise the fee is AED 735 including VAT.
Cashback or points earning rules, thresholds and caps
Earn up to 2.5 EI SmartMiles per AED 1 domestically and 3.75 internationally, with reduced earning rates in specified merchant categories.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Emirates Islamic Flex Elite Card
Dirham Score 2.9/550% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
The first-year fee waiver requires AED 7,500 spending within 90 days. The ongoing waiver requires AED 50,000 annual spending; otherwise the fee is AED 735 including VAT.
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Flex Elite Card review and fee maths
Earn up to 2.5 EI SmartMiles per AED 1 domestically and 3.75 internationally, with reduced earning rates in specified merchant categories.
No cinema benefit verified. · Visa Airport Companion provides unlimited access for the cardholder and a guest, subject to the qualifying USD 1 foreign currency purchase conditions.
Monthly profit rate: Confirm with bank. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
The first-year fee waiver is conditional on AED 7,500 spending within 90 days, and subsequent waivers require AED 50,000 annual spending. The valet benefit requires AED 7,500 monthly spending from 1 March 2026. The minimum salary has not been verified.
Official bank source · checked 2026-10-22VAT-inclusive schedule of charges
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion provides unlimited access for the cardholder and a guest, subject to the qualifying USD 1 foreign currency purchase conditions.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The first-year fee waiver is conditional on AED 7,500 spending within 90 days, and subsequent waivers require AED 50,000 annual spending. The valet benefit requires AED 7,500 monthly spending from 1 March 2026. The minimum salary has not been verified.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADIB Cashback Visa Covered Card
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Compare Emirates Islamic Flex Elite Card with ADIB Cashback Visa Covered CardCashback Credit Card
Al Hilal Bank · minimum salary Confirm with bank
Compare Emirates Islamic Flex Elite Card with Cashback Credit CardAmerican Express Gold Credit Card — Moneyback
American Express UAE · minimum salary Confirm with bank
Compare Emirates Islamic Flex Elite Card with American Express Gold Credit Card — MoneybackOfficial bank sources and application information
- Emirates Islamic Flex Elite Card official product terms
- Emirates Islamic: Official product page
- Emirates Islamic: VAT-inclusive schedule of charges
- Emirates Islamic Flex Elite Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.