Emirates Islamic
Instant rewards. Endless experiences.
Sources and verification
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Rewards
Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.
Up to 3.75%
Spend tier
Published reward rule
Rate
3.75%
Cap
No cap listed
Earn up to 3.75% back in EI SmartMiles for every AED 1 spent. International spend earns up to 3.75 EI SmartMiles per AED 1. Domestic spend earns up to 2.50 EI SmartMiles per AED 1.
SourceUp to 5.00 Miles
Spend tier
Published reward rule
Rate
5.00 Miles/AED
Cap
No cap listed
Real-time redemption of EI SmartMiles anywhere in the world with any merchant. Statement credit posted to card within 5 days.
SourceThese are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.
Redeem EI SmartMiles for travel rewards at over 300 airlines and over 180,000 hotels worldwide, plus car rentals. Start from just 4,000 EI SmartMiles.
Stored as 300.00 miles_per_usd · Travel General
Premium credit card offering up to 3.75% back in EI SmartMiles, unlimited airport lounge access, complimentary valet parking, and welcome bonus up to AED 1,750 with 175,000 EI SmartMiles
Stored as 3.75% · Default
0% installment payment plans for purchases
Stored as 0.00% · Default
Airport Lounge Access
Access
Unlimited complimentary access to over 1,200 airport lounges worldwide for cardholder and one guest
Conditions: Primary cardholder plus one guest
SmartMiles Travel Redemption
Redemption
Redeem EI SmartMiles for travel rewards at over 300 airlines and over 180,000 hotels worldwide, plus car rentals. Start from just 4,000 EI SmartMiles.
Conditions: Minimum 4,000 EI SmartMiles
Visa Travel Offers
Discount
Exclusive Visa travel offers with savings and discounts
Multi-Trip Travel Takaful
Insurance
Complimentary multi-trip travel insurance (Takaful)
Meet & Greet Silver Service
Service
Airport meet and greet silver service
Complimentary Golf
Access
Unlimited golf rounds at top UAE golf clubs
Sharjah Ladies Club
Access
Complimentary access to premium facilities at Sharjah Ladies Club
Global Concierge
Service
Global concierge service for cardholder assistance
Welcome Bonus
Cashback
Welcome bonus up to AED 1,750 with 175,000 EI SmartMiles. 75,000 EI SmartMiles (worth AED 750) upon payment of Annual Membership Fee. 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 30,000 within 60 days of Card issuance.
Conditions: 75,000 miles on annual fee payment; 100,000 miles on AED 30,000 spend within 60 days
Miles Exchange Program
Redemption
Convert EI SmartMiles into partner loyalty programs including Avios by Qatar Airways Privilege Club, Upoints by Emaar, Emirates Skywards, Etisalat Smiles, Etihad Guest, AirRewards by Air Arabia, Marriott Bonvoy, and InterMiles
Instant Purchase
Redemption
Real-time redemption of EI SmartMiles anywhere in the world with any merchant. Statement credit posted to card within 5 days.
Conditions: Use Flex Elite Card for purchase, credit applied within 5 days
Complimentary Valet Parking
Service
Two complimentary valet parking services each month at participating locations
Conditions: Two services per month at participating locations
Entertainment Offers
Discount
Exclusive entertainment offers including cinema discounts
Easy Payment Plans
Financing
0% installment payment plans for purchases
Conditions: Shop now, pay in 0% installments
Extended Warranty
Insurance
Extended warranty protection on purchases
EI SmartMiles Rewards
Rewards
Earn up to 3.75% back in EI SmartMiles for every AED 1 spent. International spend earns up to 3.75 EI SmartMiles per AED 1. Domestic spend earns up to 2.50 EI SmartMiles per AED 1.
Conditions: Varies by spending category
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