Emirates Islamic Flex Credit Card

According to a report by Payfort, the UAE has over 5 million credit card users. And that’s not all- the number of UAE residents applying for credit cards has increased dramatically over the years. In fact, a report by Love in Dubai reveals that around 65% more UAE residents applied for credit cards in 2017 as against 2016.

But here’s the BIG QUESTION- Why are credit cards so popular amongst UAE residents? The answer is simple- credit card offers and rewards. In fact, a report by McKinsey & Company reveals that 53% UAE residents prefer spending on credit cards to earn cashback and rewards and maximize the value for their money. 

Given the fact that more and more UAE residents now use credit cards to spend on all aspects of their lifestyle in order to earn instant rewards and offers, UAE’s most popular financial institution, Emirates Islamic launched its innovative credit card - Flex Card in order to offer instant and flexible rewards redemption options to card members.

Packed with a wide range of instant rewards and flexible redemption options, Emirates Islamic Flex Credit Card has been specially designed to offer financial flexibility and immense purchasing power to suit every budget, needs and lifestyle. Ever since its launch, Emirates Islamic Flex Credit Card has become immensely popular amongst credit card seekers in the UAE region. In fact, over the years, Emirates Islamic has seen a dramatic surge in the number of card applicants for Emirates Islamic Flex Credit Card.

About Emirates Islamic Flex Credit Card

Launched in August 2016, Emirates Islamic Flex credit card has long been one of the hot favourite amongst the UAE residents and expats, alike. The card promises to unlock the window of unparalleled rewards, unmatched benefits and utter convenience for card holders.

With its strong line-up of innovative features and never-before benefits, the card has earned many accolades and a large number of suitors and admirers, over the years. Card members get easy access to flexible and instant rewards redemption against all their expenses put on the card. Right from travel spends to electronic shopping, and from hotel booking to grocery shopping, Emirates Islamic Flex Credit Card brings a wide array of fabulous travel, lifestyle and shopping benefits for card members.

Powered by the Emirates Islamic ever-so-popular EI SmartMiles loyalty programme, card members get to earn reward points for each dirham spent on the card. These reward points can be instantly redeemed or free air tickets, retail transactions, hotel booking and much more at any time and from anywhere.  But what this card so special even amongst those conservative and conscious spenders is the fact this card comes with zero annual fee. With so much and more on offer, it’s hardly surprising why Emirates Islamic Flex Credit Card remains the card of choice for a large number of Emiratis and non-Emirati expats in the UAE region.  

Features of Emirates Islamic Flex Credit Card

Emirates Islamic is one financial institution in the UAE that has long been known to conceptualize and offer credit cards that help card members instantly consolidate their spends and make the maximum value for their hard-earned money. And Emirates Islamic Flex Credit Card is perhaps the best example of such credit cards offered by Emirates Islamic. This amazing credit card comes loaded with a wide array of innovative and useful features to ensure utter convenience and maximum value for money for the customers. Some of the most notable features of the credit card are listed below-

• Automatic enrolment to EI SmartMiles
• Instant EI SmartMiles redemption
• Complimentary airport lounge access
• Instant Purchase feature
• Unlimited complimentary golf access
• Visa PayWave**
• Supplementary Card
• Extended Warranty
• Purchase Protection
• Cash-on-Call
• Cash Advance feature
• Balance Transfer
• Medical & Legal Referral
• Fully Shari'a compliant

Benefits of Emirates Islamic Flex Credit Card

Most people in the UAE region look for or apply for credit cards that offer unmatched travel, shopping and lifestyle benefits. Emirates Islamic seems to have understood this better than any of its competitor and that’s why the leading financial institution in the UAE introduced its Flex Credit Card to help card seekers get multiple and instantly redeemable benefits for all spends.  Here is a little list of just some of the many benefits offered by Emirates Islamic Flex Credit Card.

• 10000 EISmartMiles as welcome bonus
• 25 EI SmartMiles per 1AED for international spend
• 25 EI SmartMiles per 1AED for domestic spend
• Complimentary, unlimited access to over 750 airport lounges worldwide
• Instant EI SmartMiles redemption option with more than 180000 hotels and 300 airlines across the globe
• Miles exchange option with Etihad Guest and JetPrivilege
• Unlimited complimentary golf access at Track Meydan Golf Club and Arabian Ranches Golf Club
• Unlimited shopping at EI’s online market place
• Free valet parking
• Mazaya offers
• Time out dining discounts
• Zero annual fee

Eligibility on Emirates Islamic Flex Credit Card

Listed below are the eligibility criteria for Emirates Islamic Flex Credit Card-

• Income Eligibility- AED 5,000 and above (Minimum monthly income)
• Residential Eligibility -UAE residents with valid UAE residence Visa
• Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic Flex Credit Card

Zero annual fees, exclusive golf discounts, instant rewards redemption and amazing shopping and travel offers, the list of why one must buy Emirates Islamic Flex Credit Card is tiringly exhaustive. In fact, this much-loved card promises something every card member, from keen shoppers to frequent flyers. Here is a list of top 5 reasons for buying exclusive Emirates Islamic Flex Credit Card. 

1. Zero Annual Fees - There are multiple reasons that make Emirates Islamic Flex Credit Card one of the best bet for credit card seekers in the UAE. But what makes this card such a revered and sought-after commodity amongst credit card seekers is the fact that it comes with zero annual fees. This means Emirates Islamic Flex Credit Card get to avail all the revolutionary features and rewarding benefits of this amazing card without having to worry about the payment of an annual membership fee each year.
2. EI SmartMiles - Yet another amazing reason to get Emirates Islamic Flex Credit Card is automatic enrolment to EI SmartMiles loyalty programme. EI SmartMiles is the flagship loyalty programme offered by Emirates Islamic and allows card members to instantly redeem their reward points for free air tickets, free hotel bookings, shopping and gift cards from any website or website across the globe. Card members can even choose to redeem their EI SmartMiles points for miles exchange with Etihad Guest and JetPrivilege frequent flyer membership. In addition, there is no stipulation of minimum or maximum redemption amount for Emirates Islamic Flex Credit Card. This means Emirates Islamic Flex Credit Card members can earn unlimited EI SmartMiles and instantly redeem their points with the innovative ‘Instant Purchase’ feature at EI SmartMiles website.
3. Additional Privileges - Emirates Islamic Flex Credit Card ensures something for everyone, from shoppers to travellers, and from foodies and golfers. Travellers who have this card may use the EI SmartMiles points accumulated on the card to book free air tickets with over 300 airlines or book hotel stays with more than 180000 hotels worldwide. Shoppers can use their EI SmartMiles to make instant purchase from any merchant worldwide. And that’s not all! Golfers can use this card to get exclusive discounts at some of the finest golf clubs in the UAE. Foodies can use the card to score exclusive Time-out dining discounts.
4. Purchase insurance & Extended Warranty - Emirates Islamic Flex Credit Card members also get access to purchase insurance that ensures maximum value for card members. With this feature, card members get coverage of USD 5000 per occurrence and USD 20,000 per year against loss or damage of their purchased items. In addition, card members also get an extended warranty for up to 12 months from the date of purchase ensuring complete peace of mind.
5. Medical and Legal Referral - Emirates Islamic Flex Credit Card members are also provided with the medical and legal referral feature. This innovative feature helps card members access telephone medical advice, medical service provider referral, monitoring medical condition pre and post hospitalization, essential medicine/equipment delivery, hospital admittance guarantee, and medical evacuation/repatriation, anywhere in the world.

Emirates Islamic Flex Credit Card Offers (Updated in June 2018)

• Up to 25% off at Ski Dubai, Magic Planet (No Promo Code Required)
• Up to 10% off Sprii.com (Promo Code- VISAEXPlore10)
• Up to 20% off at Segreto (Promo Code- VISAWinterDining)
• Up to 20% off at Agoda.com (No Promo Code Required)
• Up to 20% off at Premier Inn (Promo Code- PI-VISA)

Fees and Charges on Emirates Islamic Flex Credit Card

Particulars	Fee & Charges
Annual Membership Fee	Zero
Cash Advance Fee	3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)
Maximum cash advance per transaction	10,000 or 50% of the card limit whichever is lower
Over limit fee	AED 249 (This will be revised to 279 effective April 01, 2019)
Late payment fee	AED 225
Card replacement fee	Free (This will be revised to 50 effective April 01, 2019)
Copy of sale voucher	AED 50
Overseas transaction in UAE Dirhams	1.99%
Forex Charges	2.34%
Minimum Payment Due	5% of statement balance PLUS any overdue amount, or AED 100, whichever is higher
No Liability Certificate	AED 50
Liability Letter	AED 50
Paper statement fee	10 (No Charge for Priority customers)
Cheque & Direct Debit Return	AED 100
E statement	Free

Emirates Islamic Flex Credit Card Rewards

1. EI SmartMiles - The rewards programme of Emirates Islamic Flex Card is called EI SmartMiles. It is the flagship credit card loyalty programme offered by UAE’s leading financial institution, Emirates Islamic. This futuristic credit card rewards programme has been specially designed and carefully conceptualized to offer amazing travel, lifestyle, and shopping benefits to the card members with flexible and instant redemption options.

• EI SmartMiles allows card members to earn EI SmartMiles for every dirham spent on the card. For every 1 AED spent on the card for international purchases, card members get to earn 2.25 EI SmartMiles and for every 1AED spent on domestic purchases, card members get to earn 1.25 EI SmartMiles. In addition, for every 1 AED spent on the card for utility and mobile bills, both domestically and internationally, card members get to earn 0.50 EI SmartMiles.
• These EI SmartMiles can be instantly redeemed to avail travel benefits, shopping benefits and Mile Exchange benefits with Etihad Guest and JetPrevilege. Furthermore, Emirati Islamic Flex Credit Card members also get 10000 EI SmartMiles as welcome bonus.

1. Mazaya Rewards - Emirates Islamic Flex Credit Card is also linked to the much sought after Mazaya Offers platform. This amazing rewards redemption platform allows card members to get exclusive travel, shopping and dining discounts and benefits. Emirates Islamic Flex Credit Card members can score exclusive discounts for up to 30% at 2000+ restaurants across the UAE and exclusive shopping discounts at Emirati’s partner outlets across the UAE.
2. Unlimited Golf Discount Rewards - Emirati Islamic Flex Credit Card members also get to earn exclusive golf discounts at UAE’s finest golf clubs. Card members are entitled to get up to 20% off on ‘Visitor Rate’ green fees. In addition, card members also get to earn an exclusive up to 10% off the ‘Best Available Rates’ during the weekdays as well as weekends. With plenty of Golf discounts and exclusive offers for card members, Emirati Islamic Flex Credit Card leaves no stones to ensure unlimited complimentary entertainment for golf lovers in the UAE.

How to Earn Rewards?

1. EI SmartMiles - Emirates Islamic Flex Credit Card members can easily earn and instantly redeem EI SmartMiles for unparalleled benefits, exciting discounts and special privileges across travel, shopping, lifestyle and retail categories. Card members can easily earn unlimited EI SmartMiles and instantly redeem their miles at www.eismartmiles.ae, without having to worry about blackout dates.

Listed below is the EI SmartMiles earning rate for Emirates Islamic Flex Credit Card holders:

Category of Spend	SmartMiles
Joining bonus	10,000 EI SmartMiles
International spend	2.25 EI SmartMiles (1 AED)
Domestic spend	1.25 EI SmartMiles (1 AED)

2. Mazaya Rewards - Card members can earn exclusive Mazaya Rewards by simply putting travel, shopping and dining expenses on their Emirates Islamic Flex Credit Card.

How to Redeem Your Points?

Quite like earning EI SmartMiles, redeeming Miles is also easy and simple and Emirates Islamic Flex Credit Card members can instantly redeem their EI SmartMiles for a wide range of exclusive privileges and discounts. Here’s how card members can redeem their EI SmartMiles-

1. EI SmartMiles Mobile App - Emirates Islamic Flex Credit Card members can choose to redeem their miles via the user-friendly and easy-to-use EI SmartMiles mobile app. This innovative app allows card members to redeem their miles for free ait tickets, hotel bookings, miles exchange, and for shopping from retail outlets and websites from across the globe, instantly within a few seconds and a few clicks, even on-the-go.

Here’s how card members can start redeeming their EI SmartMiles via EI SmartMiles app-

• Download and install EI SmartMiles App from Apple App Store or Google Play Store.
• Click on 'Activate' and enter the Loyalty ID number. The loyalty number is printed on the back of the Emirates Islamic Flex Credit Card.
• Enter full name and date of birth.
• Sign up for EI SmartMiles account by creating a username and password.

That’s it! Once done, Emirates Islamic Flex Credit Card users can start redeeming their EI SmartMiles through the app instantly.

2. Miles Exchange - Not only does this card prove to be useful for shoppers, but this card also proves to be the best bet for travellers and frequent flyers. Card members can access unmatched travel benefits using this amazing card. Etihad Guest or JetPrivilege members can exchange their EI SmartMiles for exclusive privileges.

Below is the valuation of EI SmartMiles for Miles Exchange with Etihad Guest and JetPrivilege;

EI SmartMiles	Miles
10,000 EI SmartMiles	2,500 Etihad Miles
20,000 EI SmartMiles	4,000 JetPrivilege Miles

Here’s how Emirates Islamic Flex Credit Card members can exchange miles-

• Members need to login to www.eismartmiles.ae
• Once there, members need to click on 'Miles exchange'
• Then, members need to select Miles exchange and then 'Etihad Guest' or JetPrivilege
• Once selected, members need to enter their Etihad Guest or JP membership number
• Now, they need to select the quantity of EI SmartMiles to be exchanged
• Finally, they need to press submit in order to process their Miles Exchange request.

Typically, it takes 3-5 working days for Miles Exchange. 

3. Free Travel - Emirates Islamic Flex Credit Card members can instantly redeem their EI SmartMiles for exclusive and unmatched travel benefits. Card members can redeem their EI SmartMiles to book free air tickets with over 300 airlines or use the miles to book free hotel stays at over 180000 lavish properties around the globe. In addition, card users may also use their EI smartMiles to book car rentals and airport transfers.

4. Instant Purchase - EI SmartMiles comes loaded with the innovative and helpful Instant Purchase feature that allows card members to make a purchase from a retail outlet or a shopping website anywhere in the world with their EI SmartMiles. In order to do that, card members simply need to enable the Instant Purchase feature in their EI SmartMiles account. Once enabled, card members can simply use the card to pay for their chosen purchase.

Here’s a step-by-step guide to using the Instant Purchase feature-

1. Card members need to visit www.eismartmiles.ae.
2. Now, they need to click on 'Instant Purchase'.
3. Then they need to click on the 'Mobile download' icon.
4. They are now redirected to a different landing page where they need to click on their mobile's 'Share' button.
5. Once done, they are required to select 'Add to Home screen'.

That’s it! The EI SmartMiles icon is then placed on the mobile home screen and card members can start using the Instant Purchase feature from their EI SmartMiles account.

Please be advised the quantity of EI SmartMiles equivalent to the cost of the purchased item is deducted from the account and a statement credit is posted to the Emirati Islamic Flex Credit Card account in 5 working days.

5. EI SmartMiles Online Marketplace - Emirati Islamic Flex Credit Card members can also redeem their EI SmartMiles to make instant purchase from EI SmartMiles online marketplace. Card members can redeem their miles to buy fashionable apparel, hi-tech electronic items and much more, right from the comfort of their homes. In addition, card members can also use their miles to get for e-vouchers that can be used at different malls in the UAE.

Additional Information / Documentation

Applying for this credit card is fairly simple. All one needs to do is to provide the documents listed below-

• Copy of passport
• UAE Resident Visa
• Emirates ID
• Salary Certificates
• 3 month bank statement
• Copy of credit card

How to Apply For Emirates Islamic Flex Credit Card?

Applying for Emirates Islamic Flex Credit Card could be a puzzling and daunting for credit card applicants, especially for the uninitiated spenders, who are not sure of what to do exactly. Not only are there countless things that one must keep in mind, but also there are a dozen of documents that one must need to have beforehand. Whether one is planning to use the Emirates Islamic Flex Credit Card for travel benefits or for unmatched retail benefits, it’s best to keep a few vital things in mind and get acquainted with details when applying for Emirates Islamic Flex Credit Card to ensure that the application is not rejected.

1. One must get well acquainted with the various features and benefits of the credit card to see if it actually matches with their requirement and preferences. It is important to carefully check the fees structure and look over the information on interest rates, grace periods, penalties, and rewards associated with Emirates Islamic Flex Credit Card.
2. Credit card applicants must also do well to compare the card with other credit cards in the category to see if it is better than all other available options or not. One must do well to also check the online reviews on the fees, features and customer service for the card. One may easily compare Emirates Islamic Flex Credit Card with other cards in the category at Policybazaar.ae. In addition, applicants may also locate honest reviews about the features, benefits and other vital details of the card on the website.
3. Applicants must get acquainted with all the information needed to apply for Emirates Islamic Flex Credit Card. It makes sense to collect all the vital documents to apply for the card such as Emirates Id, a valid residence visa, copy of the passport, copy of bank statement, salary certificates, etc. Applicants may also be asked to deposit a security cheque before applying for the card.
4. Applicants must do well to mull over how to apply for Emirates Islamic Flex Credit Card. They need to decide if it is easier for them to apply directly at Emirates Islamic website, or via a comparison portal such as Policybazaar.ae, or in person. While applying directly at the credit card company doesn’t allow for a do-over in the event of a mistake, applying online at comparison websites such as Policybazaar.ae is quick, easy and can help point applicants make a well informed decision.
5. Whether one is applying directly at the company’s website or via an online comparison portal such as Policybazaar.ae, it is important to furnish accurate details to ensure that the card application is not rejected.

Other Emirates Islamic Credit Cards

All Emirates Islamic Credit Cards to Apply
Emirates Islamic Cashback Credit Card	Emirates Islamic Cashback Plus Credit Card
Emirates Islamic Skywards Signature Credit Card	Emirates Islamic Etihad Guest Platinum Credit Card
Emirates Islamic RTA Platinum Credit Card	Emirates Islamic Etihad Guest Ameera Credit Card
Emirates Islamic Emarati Credit Card	Emirates Islamic Etihad Guest Premium Credit Card
Emirates Islamic Etihad Guest Saqer Credit Card	Emirates Islamic Skywards Infinite Credit Card
Emirates Islamic Skywards Black Credit Card

FAQ's on Emirates Islamic Flex Credit Card

Q1: Is it possible to withdraw cash via Emirates Islamic Flex Credit Card?

Ans: Yes, Emirates Islamic Flex Credit Card allows card members to withdraw cash from more than 780,000 ATMs around the world. However, there is a cash advance fee charged for withdrawing money using the credit card.

Q2: Is it possible to get supplementary cards with Emirates Islamic Flex Credit Card?

Ans: Yes! Card members can get up to 4 supplementary cards with Emirates Islamic Flex Credit Card. Supplementary cards also earn the same benefits and advantage as the primary card. 

Q3: Is there an annual fee for this card?

Ans: No! There is no annual fee for Emirates Islamic Flex Credit Card.

Q4: Is Emirates Islamic Flex Credit Card Shari'a compliant?

Ans: The Emirates Islamic Flex Credit 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 monthly fee for extending various features and benefits to customers.

Q5: How many EI SmartMiles are provided as welcome bonus for Emirates Islamic Flex Credit Card?

Ans: 10,000 EI SmartMiles are given as welcome bonus with Emirates Islamic Flex Credit Card.