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.


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.


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.

Instant Purchase

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

Just follow 3 simple steps.

Step1: Login using EI SmartMiles mobile app ‘or’ through www.eismartmiles.ae
Step2: Tap on "Instant Purchase" and make a choice
Step3: 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.

Complimentary Golf any day of the week

Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends and weekdays. To book your game, please click here and submit the completed form.

Miles Exchange

Simply exchange your EI SmartMiles for Miles with our partner frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles*
10,000 EI SmartMiles= 2,500 Etihad Miles*
20,000 EI SmartMiles = 4,000 InterMiles*

All you need to do is:

  • Login to www.eismartmiles.ae and click on the 'Miles exchange'.
  • Select the partner program and enter your membership number.
  • Select the EI SmartMiles quantity you want to exchange and press submit*.

*Your Miles will be transferred within 5 working days

Exclusive Visa Platinum Offers

We have partnered with VISA International to bring you exclusive discounts and special credit card offers. Your Flex Platinum Card privileges connect you to a world of ever changing luxury. To know more click here.

Online Market Place

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

Our e-vouchers let you and your loved ones get exactly what you want, anytime and anywhere. Choose your favourite apparels, electronics, toys and more and instantly receive an e-voucher for use at any mall within the UAE.

Credit Shield

Emirates Islamic Flex Credit Cards now offer you credit shield cover that protects you/your family from financial burdens in unfortunate circumstances. This covers your credit card outstanding in case of death or permanent disability. You are automatically entitled to credit shield as a credit card holder absolutely free for an initial period of 2 months from the date of issuance of your card and continued use of this service from your side will serve as automatic subscription to this service, till you advice us otherwise. Consequently, you will be charged a nominal fee per month (subject to change at Bank's discretion) on the outstanding amount of your monthly statement. So you can enjoy that extra peace of mind. If you don't want to avail of this facility, please call 600 599 995 to discontinue your enrolment.

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

All the benefits are subject to change without prior notice. Terms and Conditions apply.
Apply now to get one of the best Credit Card in UAE.

EI SmartMiles

About 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 SmartMiles app is available on iOS and Android, click here to find out more.

Schedule of Charges

Please click here to view schedule of charges.

Card Benefits

Explore the benefits of using your Emirates Islamic Credit Card. Learn more about our security features, ways to pay and other card benefits.

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