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Emirates Islamic
Flex Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus of 10,000 EI SmartMiles
- Earn up to 2.25 EI SmartMiles per AED 1 on international spend and up to 1.25 per AED 1 on domestic spend
- Instant SmartMiles redemption at 300+ airlines and 180,000+ hotels worldwide, starting from 4,000 SmartMiles
- Exchange SmartMiles with partner programmes (Emirates Skywards, Etihad Guest, Smiles and more)
- Up to 2 Buy-1-Get-1 Reel Cinemas movie tickets per month (AED 3,000 minimum monthly retail spend)
- Visa Luxury Hotel Collection privileges (room upgrade, late checkout, USD 25 F&B voucher)
- Extended warranty: doubles manufacturer's warranty up to 12 months
- Cash on Call up to 80% of available credit limit; 0% Easy Payment Plans
- Up to 4 supplementary cards
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.