Flex Cards

Instant Rewards. Lifetime Memories.

Presenting Flex Cards from Emirates Islamic:

Emirates Islamic Flex Cards bring you convenience and flexibility like you've never seen before. A card packed with benefits that complement all aspects of your lifestyle and delivers truly memorable experiences.


The Emirates Islamic SmartMiles rewards programme has been exclusively designed to offer customers travel, shopping and lifestyle benefits. What's more, you can earn unlimited miles and redeem them without any blackout dates through the unique online redemption portal www.eismartmiles.ae. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world.

How to redeem EI SmartMiles

With your Emirates Islamic Flex Cards, you can choose from a wide range of rewards and redeem your EI SmartMiles instantly for:


Redeem from over 300 airlines and 180,000 hotels, car rentals and much more starting from as low as 4,000 EI SmartMiles

Return flight from Dubai to EI SmartMiles required*
Karachi 80,000
Mumbai 120,000
London 300,000
New York 450,000
These examples are for illustrative purposes and may change at any time

Miles Exchange

Simply exchange your EI Smart Miles from our partners' frequent flyer miles programmes with Etihad Guest, Emirates Skywards and JetPrivilege.

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

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

Instant Purchase

Make a purchase from any merchant in the world by using your EI SmartMiles against your next purchase. All you have to do is enable the feature in your EI SmartMiles account and then make a purchase at your chosen shop or online site, for example buy your morning coffee with your EI SmartMiles for as little as 2,000 miles or a watch for 15,000 miles*

*These examples are for illustrative purposes and may change at any time

How to download "Instant Purchase" on your mobile:

Step 1: Visit www.eismartmiles.ae
Step 2: Tap 'Instant Purchase'.
Step 3: Click on the 'Mobile download' icon.

Step 4: You will be redirected to a separate landing page. Click on your mobile's 'Share' button and select 'Add to Home screen'.
Step 5: The new EI SmartMiles icon should now automatically appear on your mobile home screen

Online Marketplace

Shop for fashion, electronics, home decor such as Sharaf DG, Danube, MAF and more without leaving your home with our online market place.

Terms and Conditions apply

  • Welcome bonus of up to 75,000* EI SmartMiles - visit www.eismartmiles.ae
  • Complimentary unlimited access to over 1000 airport lounges worldwide with a guest* through Lounge key
      For every accompanying guest, cardholders will be charged US $27 per person per visit
      For more details about the Lounge Key program please visit www.loungekey.com/visainfinitemena
  • Multi Trip Travel Insurance - Travel with complete freedom and peace of mind. Your Emirates Islamic Flex Elite (Infinite) Visa card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate https://cardholderbenefitsonline.com/
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide
  • Shop with your EI SmartMiles anytime, anywhere using the new "Instant Purchase" feature
  • Miles Exchange with our partner's frequent flyer programmes Etihad Guest and JetPrivilege
  • A wide range of shopping options with our online market place
  • Enjoy unlimited complimentary golf at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends or weekdays. To book your game, please click here and submit the completed form.
  • Free valet parking - Click here for more information
  • Mazaya offers
  • Visa PayWave**
  • How to earn EI SmartMiles:

    Flex Flex Elite
    Joining bonus 10,000 EI SmartMiles 75,000 EI SmartMiles
    International spend Upto 2.25 EI SmartMiles per AED 1 spend Upto 3.75 EI SmartMiles per AED 1 spend
    Domestic spend Upto 1.25 EI SmartMiles per AED 1 spend Upto 2.5 EI SmartMiles per AED 1 spend
    Airport lounge NA Complimentary unlimited access at 1000 lounges worldwide for Cardholder + 1 guest
    Note: For every accompanying guest over and above 1 guest; the cardholder will be charged US $27 per additional guest per visit

    For more details about EISmartMiles earning rates please click here.

    *Benefit applies only on the Emirates Islamic Flex Elite (Infinite) Cards.
    **Visa PayWave is the new, convenient, faster and safer way to pay. It builds on the chip technology in your standard Emirates Islamic Visa card and adds wireless technology to make every payment you make faster and securer. You can use your EI contactless credit card anywhere you see the VISA contactless symbol (PayWave) for all transactions up to AED 100.

Terms and Conditions apply

  Flex Platinum Flex Elite
Lounges - Complimentary unlimited access at 1000 lounges worldwide for Cardholder + 1 guest
Note: For every accompanying guest over and above 1 guest; the cardholder will be charged US $27 per additional guest per visit
Travel Insurance - Yes
To get you travel insurance certificate click here
Free airport transfers with Careem - Enjoy 4 free airport transfers per annum (upto AED 100 each) with Careem. Use promo code UAEVS and pay with your Visa Infinite Card when you book your airport transfer with Careem.

Click here to learn more.
Purchase Insurance Yes Yes
Extended Warranty Yes Yes
Medical & Legal Referral Yes Yes
Global Concierge   Yes
Unlimited Complimentary golf - Yes
Free Valet Parking - Yes, Click here for more details
Golf discounts Yes Yes
Luxury hotel collection Yes Yes
Fine Dining Yes Yes
Exclusive Merchant Partnerships Yes Yes
Time out dining discounts Yes Yes
More Information www.visamiddleeast.com www.visamiddleeast.com/infinite

All the benefits are subject to change without prior notice as some these feature and benefits are provided by VISA and not Emirates Islamic. To get the latest updated offers from VISA , please visit http://www.visamiddleeast.com/ae/en-ae/personal/promotions/local.shtml

Terms and Conditions apply

We are delighted to present to you our Mazaya Offers. Get unmatched benefits, discounts and privileges at restaurants and retailers across the UAE.


Get mouth-watering discounts of up to 30% at restaurants across the UAE with your Emirates Islamic Card.


Get fabulous discounts at partner outlets across UAE when you shop using your Emirates Islamic Card.


Enjoy travel benefits with our exclusive travel season offers. For more details and a complete list of our partner outlets, please visit our website.

Some of the benefits above are provided by MasterCard. For details and the latest list of offers refer to the Mazaya section in the Emirates Islamic and the Mastercard website

Click here to view mazaya offers.

Please Click here to view schedule of charges.

Can I withdraw cash with my credit card?

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.

What are the payment options on the card?

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.

Can I avail of supplementary cards with this card?

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.

Is the card Shari'a compliant?

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

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