Flex Elite Credit Card
IslamicNo salary transfer needed
No standard waiver; 75,000 SmartMiles welcome bonus awarded upon payment of Annual Membership Fee
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 735
- Fee note
- No standard waiver; 75,000 SmartMiles welcome bonus awarded upon payment of Annual Membership Fee
- 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 15,000
- 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.
What you get.
- Welcome bonus up to AED 1,750 as 175,000 EI SmartMiles: 75,000 SmartMiles (worth AED 750) on AMF payment + 100,000 SmartMiles (worth AED 1,000) on AED 20,000 spend within 60 days of issuance
- Earn up to 3.75 EI SmartMiles per AED 1 international (up to 3.75% back) and up to 2.50 per AED 1 domestic
- Unlimited complimentary access to 1,200+ airport lounges worldwide for you and one guest
- 2 complimentary valet parking services per month at participating locations
- Complimentary golf rounds (AED 5,000 minimum monthly retail spend)
- Up to 3 Buy-1-Get-1 complimentary movie tickets every month
- Marhaba Meet & Greet services (minimum monthly spend applies)
- Exchange SmartMiles to Emirates Skywards, Etihad Guest, Smiles and other partners; instant redemption from 4,000 SmartMiles
- Extended warranty and purchase protection benefits
- 0% Easy Payment Plans; Cash on Call facility
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.